What does Crefi-Wavre do?

Crefi-Wavre is an insurance broker in Wavre. Public Limited, started on 23 December 1985, 1 establishment.

What is the address of Crefi-Wavre?

The registered office of Crefi-Wavre is located at Rue de Champles 74, 1301 Wavre.

Is Crefi-Wavre still active?

Yes. According to the CBE (30 October 2026) Crefi-Wavre is active, legal situation “Normale toestand”, started on 23 December 1985.

Is Crefi-Wavre registered on Peppol?

Yes, Crefi-Wavre is registered on the Peppol network with ID 0208:0428337746.

What is the enterprise number of Crefi-Wavre?

The enterprise number of Crefi-Wavre is BE0428337746.

When was Crefi-Wavre founded?

Crefi-Wavre was founded on 23 December 1985.

Who are the directors of Crefi-Wavre?

According to the 2025 annual accounts, the directors of Crefi-Wavre are: Philippe Legros, Crefi Invest SA, Florence Legros.

Is Crefi-Wavre a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 23 December 1985; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did Crefi-Wavre make in 2025?

Crefi-Wavre posted a profit after taxes of € 15,327 in financial year 2025.

What is the revenue of Crefi-Wavre?

As a small company, Crefi-Wavre is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 178,627.

Crefi-Wavre (Public Limited) - Wavre - BE0428337746

Dossier Crefi-Wavre, printed on 30 October 2026 from databakkes.be/en/0428337746/crefi-wavre. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

Crefi-Wavre from Wavre, company number BE0428337746, closed financial year 2025 with a result of € 15,327 after tax. For that financial year Crefi-Wavre recorded a gross margin of € 178,627 and equity of € 87,918. Compared with financial year 2024, the result moved from € -21,020 to € 15,327. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 22, 2026.

What it is worth Growing

€ 87,918

▲ 21% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 15,327

▲ still € 21,020 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 81,988

▲ 81% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € -12,082.

People and assets in 2025

Wage cost

€ 90,212

▼ 1% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 44,044

▲ 9% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 2 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 76,112

▼ 20% vs 2024

€ 32,293 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 4,189

▼ 45% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 16,424

▲ 11% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 156,284 Gross margin 2022: € 156,284 First fiscal year in the series	€ 139,326 Gross margin 2023: € 139,326 ▼ 11% vs 2022 (€ 156,284) Unfavourable step	€ 139,407 Gross margin 2024: € 139,407 Unchanged (€ 139,326) Favourable step	€ 178,627 Gross margin 2025: € 178,627 ▲ 28% vs 2024 (€ 139,407) Favourable step	▲ 28%
Profit after taxes	€ 15,159 Profit after taxes 2022: € 15,159 First fiscal year in the series	€ -16,437 Profit after taxes 2023: € -16,437 ▼ € 31,596 vs 2022 (€ 15,159) Unfavourable step	€ -21,020 Profit after taxes 2024: € -21,020 ▼ € 4,583 vs 2023 (€ -16,437) Unfavourable step	€ 15,327 Profit after taxes 2025: € 15,327 ▲ € 36,347 vs 2024 (€ -21,020) Favourable step	▲ € 36,347
Equity	€ 110,048 Equity 2022: € 110,048 First fiscal year in the series	€ 93,612 Equity 2023: € 93,612 ▼ 15% vs 2022 (€ 110,048) Unfavourable step	€ 72,592 Equity 2024: € 72,592 ▼ 22% vs 2023 (€ 93,612) Unfavourable step	€ 87,918 Equity 2025: € 87,918 ▲ 21% vs 2024 (€ 72,592) Favourable step	▲ 21%
Total debts	€ 201,573 Total debts 2022: € 201,573 First fiscal year in the series	€ 154,924 Total debts 2023: € 154,924 ▼ 23% vs 2022 (€ 201,573) Favourable step	€ 120,559 Total debts 2024: € 120,559 ▼ 22% vs 2023 (€ 154,924) Favourable step	€ 97,812 Total debts 2025: € 97,812 ▼ 19% vs 2024 (€ 120,559) Favourable step	▼ 19%
Cash	€ 104,917 Cash 2022: € 104,917 First fiscal year in the series	€ 72,702 Cash 2023: € 72,702 ▼ 31% vs 2022 (€ 104,917) Unfavourable step	€ 45,359 Cash 2024: € 45,359 ▼ 38% vs 2023 (€ 72,702) Unfavourable step	€ 81,988 Cash 2025: € 81,988 ▲ 81% vs 2024 (€ 45,359) Favourable step	▲ 81%
Retained profit	€ 10,048 Retained profit 2022: € 10,048 First fiscal year in the series	€ -6,388 Retained profit 2023: € -6,388 ▼ € 16,437 vs 2022 (€ 10,048) Unfavourable step	€ -27,408 Retained profit 2024: € -27,408 ▼ € 21,020 vs 2023 (€ -6,388) Unfavourable step	€ -12,082 Retained profit 2025: € -12,082 ▲ € 15,327 vs 2024 (€ -27,408) Favourable step	▲ € 15,327
Dividend	€ 25,000 Dividend 2022: € 25,000 First fiscal year in the series	€ 0 Dividend 2023: € 0 ▼ 100% vs 2022 (€ 25,000) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2025: € 0 Unchanged (€ 0) Unchanged
Bank debt	€ 152,053 Bank debt 2022: € 152,053 First fiscal year in the series	€ 124,054 Bank debt 2023: € 124,054 ▼ 18% vs 2022 (€ 152,053) Favourable step	€ 95,609 Bank debt 2024: € 95,609 ▼ 23% vs 2023 (€ 124,054) Favourable step	€ 76,112 Bank debt 2025: € 76,112 ▼ 20% vs 2024 (€ 95,609) Favourable step	▼ 20%
Balance sheet total	€ 311,622 Balance sheet total 2022: € 311,622 First fiscal year in the series	€ 248,536 Balance sheet total 2023: € 248,536 ▼ 20% vs 2022 (€ 311,622) Unchanged	€ 193,150 Balance sheet total 2024: € 193,150 ▼ 22% vs 2023 (€ 248,536) Unchanged	€ 185,730 Balance sheet total 2025: € 185,730 ▼ 4% vs 2024 (€ 193,150) Unchanged	▼ 4%

Key figures of Crefi-Wavre, 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 Crefi-Wavre?

What happened at Crefi-Wavre in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jun 22, 2026 New annual accounts for financial year 2025: profit of € 15,327. Source: NBB ↗
2023 Philippe Legros became a director. NBB
2023 Crefi Invest SA became a director. NBB
2023 Florence Legros became a director. NBB
Jan 1, 1986 New establishment in Wavre. KBO
Dec 23, 1985 Start of the company according to the CBE. KBO

In short

From € 15,159 profit in 2022 to € 15,327 profit in 2025.

Paid € 22,286 in corporate taxes since 2022.

Best year ever: 2025, with € 15,327 profit.

Paid out € 25,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

CREFI - INVEST 100%

The stake of CREFI - INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Crefi-Wavre

Behind Crefi-Wavre are Philippe Legros, Crefi Invest SA and Florence Legros. The shares are held by CREFI - INVEST (100%).

Directors

According to the 2025 annual accounts

Philippe Legros

Managing director

Also active at: CREFI - INVEST

since 2023

Crefi Invest SA

Director · represented by Philippe Legros

since 2023

Florence Legros

Director

Also active at: CREFI - INVEST

since 2023

Shareholders

CREFI - INVEST

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue de Champles 74

1301 Wavre

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

Global Communication Systems

€ 1.3 million gross margin · 2023

VENTURI INVEST

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0428.337.746

VAT number

BE 0428.337.746

Registered office

Rue de Champles 74, 1301 Wavre

Names & denominations

Crefi-Wavre

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

23 December 1985

Peppol

Active · Active since 3 Feb 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen

View on CBE Public ↗ Annual accounts (NBB) ↗

Crefi-Wavre

Financials

What happened to Crefi-Wavre?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions