Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Kredietunie from Keerbergen, company number BE0425983517, closed financial year 2025 with a result of € -725 after tax. For that financial year Kredietunie recorded a gross margin of € -8,328 and equity of € 692,565. Compared with financial year 2024, the result moved from € -543 to € -725. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 3, 2026.
€ 692,565
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -725
▼ 33 % more loss than in 2024
Profit after tax over the fiscal year.
€ 102
▼ 95% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 674,015.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 908
Supplier invoices still open on the last day of the fiscal year.
€ 1,000
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -7,745 | € -9,423 | € -8,254 | € -8,328 | ▼ € 75 |
| Profit after taxes | € 136 | € -1,718 | € -543 | € -725 | ▼ € 181 |
| Equity | € 695,551 | € 693,833 | € 693,290 | € 692,565 | |
| Total debts | € 1,084 | € 1,000 | € 1,000 | € 1,908 | ▲ 91% |
| Cash | € 2,796 | € 2,748 | € 1,972 | € 102 | ▼ 95% |
| Retained profit | € 677,001 | € 675,283 | € 674,740 | € 674,015 | |
| Balance sheet total | € 696,635 | € 694,833 | € 694,290 | € 694,473 |
Key figures of Kredietunie, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Kredietunie?
What happened at Kredietunie in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 725. Source: NBB ↗
- Bruno Sedeyn became a director. NBB
- Barbara Sedeyn became a director. NBB
- New establishment in Keerbergen. KBO
- Start of the company according to the CBE. KBO
In short
From € 136 profit in 2022 to € 725 loss in 2025.
Paid € 37 in corporate taxes since 2022.
Best year ever: 2022, with € 136 profit.
A new publication or filing at Kredietunie? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of MARIDEN comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
KredietunieBehind Kredietunie are Bruno Sedeyn and Barbara Sedeyn. The shares are held by MARIDEN (14%).
Directors
According to the 2025 annual accounts
since 2015
Barbara Sedeyn
Director
since 2015
Shareholders
14%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Vijfstraten 4
3140 Keerbergen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0425.983.517
- VAT number
- BE 0425.983.517
- Registered office
- Vijfstraten 4, 3140 Keerbergen
- Names & denominations
- Kredietunie
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 December 1983
- Peppol
- Not registered