Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CREDIS from Liège, company number BE0433077977, closed financial year 2025 with a result of € -181,197 after tax. For that financial year CREDIS recorded a gross margin of € -17,549 and equity of € -5.2 million. Compared with financial year 2024, the result moved from € -273,232 to € -181,197. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on May 21, 2026.
€ -5.2 million
▼ € 181,197 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -181,197
▲ 34 % less loss than in 2024
Profit after tax over the fiscal year.
€ 46,453
▼ 25% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -16 million.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 2,058
▼ 84% vs 2024
Supplier invoices still open on the last day of the fiscal year.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -2,634 | € -3,015 | € -8,342 | € -17,549 | ▼ € 9,207 |
| Profit after taxes | € -7,051,219 | € -153,984 | € -273,232 | € -181,197 | ▲ € 92,034 |
| Equity | € -4,575,554 | € -4,729,538 | € -5,002,770 | € -5,183,967 | ▼ € 181,197 |
| Total debts | € 4,746,431 | € 4,896,250 | € 5,064,532 | € 5,230,420 | ▲ 3% |
| Cash | € 170,877 | € 166,712 | € 61,763 | € 46,453 | ▼ 25% |
| Retained profit | € -15,395,098 | € -15,549,082 | € -15,822,314 | € -16,003,511 | ▼ € 181,197 |
| Bank debt | € 3,667,671 | € 2,775,629 | € 0 | € 0 | |
| Balance sheet total | € 170,877 | € 166,712 | € 61,763 | € 46,453 | ▼ 25% |
Key figures of CREDIS, 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 CREDIS?
What happened at CREDIS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Jean-Pierre HANSEN stepped down as director. NBB
- GREGORY DEMAL stepped down as director. NBB
- Jérôme WAGNER stepped down as director. NBB
- Bernard THIRY stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 181,197. Source: NBB ↗
- Jérôme WAGNER became a director. NBB
- GREGORY DEMAL became a director. NBB
- Jean-Pierre HANSEN became a director. NBB
In short
From € 7.1 million loss in 2022 to € 181,197 loss in 2025.
A new publication or filing at CREDIS? We notify you, reason included.
Follow CREDISDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 NETHYS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CREDISThe shares are held by NETHYS (99.3%). It owns 85% of Intégrale Luxembourg and 25% of Alliance Participations itself.
Directors
According to the 2025 annual accounts
since 2023 · until 2026
GREGORY DEMAL
Director
Also active at: INTER - REGIES, NETHYS IMMO, L' AVENIR ADVERTISING, NEB PARTICIPATIONS, NEB FONCIERE
since 2023 · until 2026
Jérôme WAGNER
Director
since 2023 · until 2026
since 2023 · until 2026
Shareholders
99.3%
Participations
Intégrale Luxembourg
85%
Establishments
Establishment units
Physical locations of this company
Boulevard Piercot 46
4000 Liège
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 8 companies are registered at this address.
All companies at this address →ENODIA
NETHYS IMMO same network
€ 332,762 gross margin · 2025
NETHYS same network
€ 488,102 revenue · 2025
NEB PARTICIPATIONS same network
"NETHYS UNITE TVA"
+3 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0433.077.977
- VAT number
- BE 0433.077.977
- Registered office
- Boulevard Piercot 46, 4000 Liège
- Names & denominations
- CREDIS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 December 1987
- Peppol
- Active · Active since 20 Nov 2025