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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Figures corrected NBB
Corrected annual account filed for 2023.
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Annual account missing NBB
Fiscal year 2025 was expected before 30 January 2026 and has not been filed.
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Busy address KBO
53 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2024
Creafin from Lier, company number BE0455731338, closed financial year 2024 with a result of € 301,678 after tax. For that financial year Creafin recorded a gross margin of € 2.4 million and equity of € 3 million. Compared with financial year 2023, the result moved from € 665,356 to € 301,678. The company is profitable. 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 December 3, 2024.
€ 3 million
▲ 9% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 301,678
▼ 55% vs 2023
Profit after tax over the fiscal year.
€ 2.1 million
▼ 1% vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 19,276 paid out
6 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2024
14.6
Average over the fiscal year, from the social balance sheet.
€ 1.5 million
▲ 15% vs 2023
€ 102,300 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.
€ 29,578
▲ 275% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 1.5 million
▲ 11% vs 2023
Loans from banks and other lenders, long and short.
€ 654,507
▲ 25% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 202,855
▼ 44% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|
| Gross margin | € 1,951,283 | € 2,425,123 | € 2,420,841 | |
| Profit after taxes | € 753,744 | € 665,356 | € 301,678 | ▼ 55% |
| Equity | € 13,266,392 | € 2,750,000 | € 2,985,619 | ▲ 9% |
| Total debts | € 3,264,797 | € 4,263,552 | € 4,151,131 | ▼ 3% |
| Cash | € 1,610,333 | € 2,165,360 | € 2,148,711 | ▼ 1% |
| Retained profit | € 525,911 | € 250,000 | € 485,619 | ▲ 94% |
| Dividend | € 617,239 | € 862,539 | € 19,276 | ▼ 98% |
| Bank debt | € 1,479,158 | € 1,359,535 | € 1,504,120 | ▲ 11% |
| Balance sheet total | € 16,562,988 | € 7,036,366 | € 7,159,564 | ▲ 2% |
| Employees (FTE) | 15.1 | 14.6 | 14.6 |
Key figures of Creafin, fiscal years 2022 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 30 January 2026.
What happened to Creafin?
What happened at Creafin in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Rudy BROECKAERT stepped down as director. NBB
- Marcel BERKHOUT stepped down as director. NBB
- Herman BRUYLAND stepped down as director. NBB
- New annual accounts for financial year 2024: profit of € 301,678 (▼ 55% vs 2023). Source: NBB ↗
- Rudy BROECKAERT became a director. NBB
- Marcel BERKHOUT became a director. NBB
- Herman BRUYLAND became a director. NBB
- New establishment in Lier. KBO
In short
From € 753,744 profit in 2022 to € 301,678 profit in 2024.
Paid € 445,532 in corporate taxes since 2022.
Best year ever: 2022, with € 753,744 profit.
On average € 165,800 of value added per employee in 2024.
A new publication or filing at Creafin? We notify you, reason included.
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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 Alembic Capital comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CreafinThe shares are held by Alembic Capital (35.2%).
Directors
According to the 2024 annual accounts
Marcel BERKHOUT
Director
since 2021 · until 2027
Rudy BROECKAERT
Director
since 2022 · until 2028
Herman BRUYLAND
Director
since 2020 · until 2026
Shareholders
35.2%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Duwijckstraat 17
2500 Lier
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 53 companies are registered at this address.
All companies at this address →Leo Pharma
€ 32.1 million revenue · 2025
BLICKLE
€ 960,691 gross margin · 2025
DELTA BELGIUM
€ 98,557 gross margin · 2025
Flint Group Belgium
Rubaco Development
€ 16,982 gross margin · 2024
+48 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
COMBELL-AS, BE
Website info
Features
Security
Details
- Company number
- 0455.731.338
- VAT number
- BE 0455.731.338
- Registered office
- Duwijckstraat 17, 2500 Lier
- Names & denominations
- Creafin
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 27 July 1995
- Peppol
- Active · Active since 27 Mar 2026
- Contact
- creafin.be
- Activities · NACE
Verstrekken van hypothecair krediet
Activiteiten van gemengde verzekeringsondernemingen, overwegend niet-leven
Overige financiële dienstverlening, neg
Activiteiten van gemengde verzekeringsondernemingen, overwegend leven