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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Tight liquidity NBB
Cash and receivables cover 25 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
LEEMANS KREDIETEN from Antwerpen, company number BE0439618054, closed financial year 2025 with a result of € 96,730 after tax. For that financial year LEEMANS KREDIETEN recorded a gross margin of € 456,977 and equity of € 461,811. Compared with financial year 2024, the result moved from € 112,590 to € 96,730. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 17, 2026.
€ 461,811
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 96,730
▼ 14% vs 2024
Profit after tax over the fiscal year.
€ 28,740
▲ 31% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 100,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
4.8
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 317,378
▼ 15% vs 2024
€ 66,100 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 12,318
▼ 38% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.4 million
▲ 12% vs 2024
€ 10,833 is repaid this year. At this pace the long-term loan is gone in ≈ 218 years.
€ 57,647
▲ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 68,944
▲ 70% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 165,731 | € 464,018 | € 507,356 | € 456,977 | ▼ 10% |
| Profit after taxes | € -211,610 | € -9,794 | € 112,590 | € 96,730 | ▼ 14% |
| Equity | € 472,747 | € 507,491 | € 465,081 | € 461,811 | ▼ 1% |
| Total debts | € 2,512,247 | € 2,392,768 | € 2,524,227 | € 2,592,843 | ▲ 3% |
| Cash | € 16,532 | € 34,403 | € 21,951 | € 28,740 | ▲ 31% |
| Land & buildings | € 275,612 | € 244,916 | € 229,095 | € 211,634 | ▼ 8% |
| Retained profit | € 160,947 | € 195,691 | € 153,281 | € 150,011 | ▼ 2% |
| Dividend | € 0 | € 0 | € 155,000 | € 100,000 | ▼ 35% |
| Bank debt | € 2,259,429 | € 2,127,347 | € 2,103,279 | € 2,356,489 | ▲ 12% |
| Balance sheet total | € 3,046,393 | € 2,981,286 | € 3,034,786 | € 3,098,333 | ▲ 2% |
| Employees (FTE) | 5.2 | 4.8 | 5.2 | 4.8 | ▼ 0.4 |
Key figures of LEEMANS KREDIETEN, 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 LEEMANS KREDIETEN?
What happened at LEEMANS KREDIETEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Leemans Groep Comm VA stepped down as director. NBB
- Christel Voet stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 96,730 (▼ 14% vs 2024). filed late Source: NBB ↗
- Leemans Groep Comm VA became a director. NBB
- Christel Voet became a director. NBB
- New establishment in Antwerpen. KBO
- Start of the company according to the CBE. KBO
In short
From € 211,610 loss in 2022 to € 96,730 profit in 2025.
Paid € 12,448 in corporate taxes since 2022.
Best year ever: 2024, with € 112,590 profit.
On average € 95,200 of value added per employee in 2025.
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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 GROEP LEEMANS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
LEEMANS KREDIETENThe shares are held by GROEP LEEMANS (100%).
Directors
According to the 2025 annual accounts
Managing director · represented by Dirk Delanghe
Also active at: HYPOTHEEKVOORDEEL
since 2024 · until 2030
since 2024 · until 2030
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Herentalsebaan 145 A
2100 Antwerpen
Herentalsebaan 145 box A
2100 Antwerpen
Active since 18 January 1990
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Details
- Company number
- 0439.618.054
- VAT number
- BE 0439.618.054
- Registered office
- Herentalsebaan 145 A, 2100 Antwerpen
- Names & denominations
- LEEMANS KREDIETEN
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 21 December 1989
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- leemanskredieten.be
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen