Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 45 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CREDISHOP from Antwerpen, company number BE0447111503, closed financial year 2025 with a result of € -135,668 after tax. For that financial year CREDISHOP recorded a gross margin of € 723,624 and equity of € 340,000. Compared with financial year 2024, the result moved from € -131,676 to € -135,668. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 6, 2026.
€ 340,000
▼ 29% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -135,668
▼ 3 % more loss than in 2024
Profit after tax over the fiscal year.
€ 151,754
▲ 233% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -683,788.
People and assets in 2025
4
▲ 0.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 507,708
€ 126,900 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.
€ 8,649
▲ 112% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 400,000
Loans from banks and other lenders, long and short.
€ 81,801
▼ 1% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 40,813
▲ 4% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 400,336 | € 493,858 | € 589,349 | € 723,624 | ▲ 23% |
| Profit after taxes | € -575,666 | € -416,444 | € -131,676 | € -135,668 | ▼ € 3,992 |
| Equity | € -206,212 | € 607,344 | € 475,668 | € 340,000 | ▼ 29% |
| Total debts | € 1,609,752 | € 643,750 | € 718,748 | € 737,579 | ▲ 3% |
| Cash | € 5,836 | € 8,375 | € 45,557 | € 151,754 | ▲ 233% |
| Retained profit | € -1,907,265 | € -416,444 | € -548,120 | € -683,788 | ▼ € 135,668 |
| Bank debt | € 1,310,000 | € 425,000 | € 400,000 | € 400,000 | |
| Balance sheet total | € 1,403,540 | € 1,251,094 | € 1,194,416 | € 1,222,579 | ▲ 2% |
| Employees (FTE) | 8 | 4.8 | 3.5 | 4 | ▲ 0.5 |
Key figures of CREDISHOP, 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 CREDISHOP?
What happened at CREDISHOP in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 135,668. Source: NBB ↗
- New establishment in Merelbeke-Melle. KBO
- New establishment in Antwerpen. KBO
- New establishment in Hasselt. KBO
- Rudy Broeckaert became a director. NBB
- Herman Bruyland became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 575,666 loss in 2022 to € 135,668 loss in 2025.
Paid € 4,828 in corporate taxes since 2022.
On average € 180,900 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
Behind CREDISHOP are Rudy Broeckaert, Sven Van Santvliet and Herman Bruyland. Rudy Broeckaert is also behind LA LORRAINE BAKERY GROUP, ASTRA SWEETS and AUXIFINA. Herman Bruyland is also behind CAR Antenne 3000, PassAnt and Immo Herva.
Directors
According to the 2025 annual accounts
since 2020
Sven Van Santvliet
Director
since 2020
Establishments
Establishment units
Physical locations of this company
Fruithoflaan 21
2600 Antwerpen
Fruithoflaan 21 box 1
2600 Antwerpen
Active since 8 June 2020
Ilgatlaan 9
3500 Hasselt
Active since 8 June 2020
Brusselsesteenweg 74A
9090 Merelbeke-Melle
Active since 8 January 2024
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
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Domain
Domain
credishop.be
Registered
2020-03-05
Website info
Features
Security
Details
- Company number
- 0447.111.503
- VAT number
- BE 0447.111.503
- Registered office
- Fruithoflaan 21, 2600 Antwerpen
- Names & denominations
- CREDISHOP
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 8 April 1992
- Peppol
- Active · Active since 27 Mar 2026
- Contact
- credishop.be 003233660363
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen