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 %.
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Figures corrected NBB
Corrected annual account filed for 2023.
Financials
Financial year 2025
CREDIM from Gent, company number BE0440399992, closed financial year 2025 with a result of € 428,779 after tax. For that financial year CREDIM recorded a gross margin of € 3.6 million and equity of € 6.8 million. Compared with financial year 2024, the result moved from € 394,034 to € 428,779. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 23, 2026.
€ 6.8 million
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 428,779
▲ 9% vs 2024
Profit after tax over the fiscal year.
€ 309,149
▲ 23% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 190,000 paid out
44 % of the profit went to the shareholders, mostly to ERSO (53 % of the shares). That is where the money ends up.
People and assets in 2025
3
▲ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 210,050
▲ 27% vs 2024
€ 70,000 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.
€ 2.2 million
▼ 1% vs 2024
Of which on lease € 2.2 million.
Debts at end 2025
€ 48.2 million
▼ 3% vs 2024
€ 2.7 million is repaid this year. At this pace the long-term loan is gone in ≈ 18 years.
€ 307,005
▲ € 261,708 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 223,063
▲ 116% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 3,723,271 | € 4,319,698 | € 4,599,272 | € 3,569,880 | ▼ 22% |
| Profit after taxes | € 1,566,089 | € 1,014,935 | € 394,034 | € 428,779 | ▲ 9% |
| Equity | € 5,134,024 | € 6,148,959 | € 6,542,993 | € 6,781,772 | ▲ 4% |
| Total debts | € 50,168,973 | € 59,063,051 | € 61,146,362 | € 60,798,767 | ▼ 1% |
| Cash | € 652,033 | € 284,462 | € 250,769 | € 309,149 | ▲ 23% |
| Land & buildings | € 31,234,788 | € 36,918,089 | € 46,860,943 | € 53,341,028 | ▲ 14% |
| Retained profit | € 2,936,494 | € 3,983,978 | € 4,410,561 | € 4,681,889 | ▲ 6% |
| Dividend | € 0 | € 0 | € 0 | € 190,000 | |
| Bank debt | € 36,725,778 | € 50,462,955 | € 49,584,397 | € 48,158,096 | ▼ 3% |
| Balance sheet total | € 55,882,276 | € 65,781,555 | € 68,221,720 | € 68,075,725 | |
| Employees (FTE) | 2 | 2 | 2.6 | 3 | ▲ 0.4 |
Key figures of CREDIM, 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 CREDIM?
What happened at CREDIM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 428,779 (▲ 9% vs 2024). Source: NBB ↗
- Rudi Deruytter became a director. NBB
- Fintact25 BV became a director. NBB
- Barragan BV became a director. NBB
- Bram De Wilde stepped down as director. NBB
- Erso BV became a director. NBB
- New establishment in Gent. KBO
- Start of the company according to the CBE. KBO
In short
From € 1.6 million profit in 2022 to € 428,779 profit in 2025.
Paid € 706,420 in corporate taxes since 2022.
Best year ever: 2022, with € 1.6 million profit.
On average € 1.2 million of value added per employee in 2025.
Management
The stake of ERSO comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CREDIMBehind CREDIM are Rudi Deruytter, Fintact25 BV, Barragan BV and Erso BV. The shares are held by ERSO (52.9%). It owns 0.1% of Mondial itself.
Directors
According to the 2025 annual accounts
Rudi Deruytter
Director
Also active at: Koramic Finance Company, IMMO DESAN, CEFIMA, MY-TRUCKS RENTAL
since 2025
since 2025
since 2025
Managing director · represented by Eric Van Speybroeck
Also active at: MONDIAL, OFFICE COMPANY, KRIEC, AC Properties, MY-TRUCKS RENTAL, GREEN CONSTRUCT
since 2013
Bram De Wilde
Director
· until 2025
Shareholders
52.9%
Participations
0.1%
Establishments
Establishment units
Physical locations of this company
Industriepark-Drongen 4 box C
9031 Gent
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →MONDIAL same network
€ -3,424 gross margin · 2025
O.V.D. CONSULTING
€ 621,284 gross margin · 2026
KRIEC same network
€ -2,059 gross margin · 2025
MY-TRUCKS RENTAL same network
€ 62.7 million revenue · 2025
ERSO same network
€ 326,914 gross margin · 2025
+1 more
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
CLOUDFLARENET - Cloudflare, Inc., US
DNS
Cloudflare DNS
Domain
Domain
spardex.com
Registered
2024-07-15
Registrar
Combell NV
Expires
2026-07-15
Website info
Features
Security
Network
Details
- Company number
- 0440.399.992
- VAT number
- BE 0440.399.992
- Registered office
- Industriepark-Drongen 4 bus C, 9031 Gent
- Names & denominations
- CREDIM
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 12 April 1990
- Peppol
- Active · Active since 27 Mar 2026
- Contact
- spardex.com
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
Activiteiten van holdings
Overige zakelijke dienstverlening, neg
Holdings