What does Creafin do?

Creafin is a credit provider in Lier. Public Limited, started on 27 July 1995, 1 establishment.

What is the address of Creafin?

The registered office of Creafin is located at Duwijckstraat 17, 2500 Lier.

Is Creafin still active?

Yes. According to the CBE (31 October 2026) Creafin is active, legal situation “Normale toestand”, started on 27 July 1995.

Is Creafin registered on Peppol?

Yes, Creafin is registered on the Peppol network with ID 0208:0455731338.

What is the enterprise number of Creafin?

The enterprise number of Creafin is BE0455731338.

When was Creafin founded?

Creafin was founded on 27 July 1995.

Who are the directors of Creafin?

According to the 2025 annual accounts, the directors of Creafin are: Jo Janssens, Rudy Broeckaert, Maryline Serafin, Jacobus Marcel Berkhout, Herman Bruyland.

Is Creafin a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 27 July 1995; 4 annual accounts filed, latest fiscal year 2025; 5 directors known from the annual account.

How much profit did Creafin make in 2025?

Creafin posted a profit after taxes of € 507,459 in financial year 2025.

What is the revenue of Creafin?

In its most recent annual accounts (2025), Creafin reported revenue of € 12,491,580.

How much does an employee at Creafin earn?

The average wage cost per full-time employee at Creafin was € 173,800 in 2025: staff costs of € 3 million for 17 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Creafin have?

According to the 2025 annual accounts, Creafin has 17 full-time equivalents (FTE).

Does Creafin have a website?

Yes, Creafin has a website at creafin.be.

Creafin (Public Limited) - Lier - BE0455731338

Dossier Creafin, printed on 1 November 2026 from databakkes.be/en/0455731338/creafin. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Figures corrected NBB

Corrected annual account filed for 2023.
Busy address KBO

53 other companies have their registered office at the same address; threshold 10.

Financials

Financial year 2025

Creafin from Lier, company number BE0455731338, closed financial year 2025 with a result of € 507,459 after tax. For that financial year Creafin recorded revenue of € 12.5 million and equity of € 6.5 million. Compared with financial year 2024, the result moved from € 301,678 to € 507,459. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on September 29, 2026.

What it is worth Growing

€ 6.5 million

▲ 119% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 507,459

▲ 68% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 5 million

▲ 130% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 27,085 paid out

5 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

▲ 2.4 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost Staff costs are payroll only. Director pay sits with services and miscellaneous goods: € 8.4 million in 2025, together with rent, insurance, accountants and other services. The accounts do not split that further.

€ 3 million

▲ 98% vs 2024

€ 173,800 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.

Vehicles and equipment

€ 106,362

▲ 260% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 150 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 20 million

▲ € 18.5 million vs 2024

€ 133,324 is repaid this year. At this pace the long-term loan is gone in ≈ 150 years.

Owed to suppliers

€ 1.3 million

▲ 94% vs 2024

Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 55 days on average.

Taxes and wages

€ 396,868

▲ 96% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Revenue	-	-	-	€ 12,491,580 Revenue 2025: € 12,491,580 First fiscal year in the series
Gross margin	€ 1,951,283 Gross margin 2022: € 1,951,283 First fiscal year in the series	€ 2,425,123 Gross margin 2023: € 2,425,123 ▲ 24% vs 2022 (€ 1,951,283) Favourable step	€ 2,420,841 Gross margin 2024: € 2,420,841 Unchanged (€ 2,425,123) Unfavourable step	-
Profit after taxes	€ 753,744 Profit after taxes 2022: € 753,744 First fiscal year in the series	€ 665,356 Profit after taxes 2023: € 665,356 ▼ 12% vs 2022 (€ 753,744) Unfavourable step	€ 301,678 Profit after taxes 2024: € 301,678 ▼ 55% vs 2023 (€ 665,356) Unfavourable step	€ 507,459 Profit after taxes 2025: € 507,459 ▲ 68% vs 2024 (€ 301,678) Favourable step	▲ 68%
Equity	€ 13,266,392 Equity 2022: € 13,266,392 First fiscal year in the series	€ 2,750,000 Equity 2023: € 2,750,000 ▼ 79% vs 2022 (€ 13,266,392) Unfavourable step	€ 2,985,619 Equity 2024: € 2,985,619 ▲ 9% vs 2023 (€ 2,750,000) Favourable step	€ 6,545,902 Equity 2025: € 6,545,902 ▲ 119% vs 2024 (€ 2,985,619) Favourable step	▲ 119%
Total debts	€ 3,264,797 Total debts 2022: € 3,264,797 First fiscal year in the series	€ 4,263,552 Total debts 2023: € 4,263,552 ▲ 31% vs 2022 (€ 3,264,797) Unfavourable step	€ 4,151,131 Total debts 2024: € 4,151,131 ▼ 3% vs 2023 (€ 4,263,552) Favourable step	€ 28,609,938 Total debts 2025: € 28,609,938 ▲ € 24.5 million vs 2024 (€ 4,151,131) Unfavourable step	▲ € 24.5 million
Cash	€ 1,610,333 Cash 2022: € 1,610,333 First fiscal year in the series	€ 2,165,360 Cash 2023: € 2,165,360 ▲ 34% vs 2022 (€ 1,610,333) Favourable step	€ 2,148,711 Cash 2024: € 2,148,711 ▼ 1% vs 2023 (€ 2,165,360) Unfavourable step	€ 4,952,290 Cash 2025: € 4,952,290 ▲ 130% vs 2024 (€ 2,148,711) Favourable step	▲ 130%
Retained profit	€ 525,911 Retained profit 2022: € 525,911 First fiscal year in the series	€ 250,000 Retained profit 2023: € 250,000 ▼ 52% vs 2022 (€ 525,911) Unfavourable step	€ 485,619 Retained profit 2024: € 485,619 ▲ 94% vs 2023 (€ 250,000) Favourable step	€ 853,402 Retained profit 2025: € 853,402 ▲ 76% vs 2024 (€ 485,619) Favourable step	▲ 76%
Dividend	€ 617,239 Dividend 2022: € 617,239 First fiscal year in the series	€ 862,539 Dividend 2023: € 862,539 ▲ 40% vs 2022 (€ 617,239) Unchanged	€ 19,276 Dividend 2024: € 19,276 ▼ 98% vs 2023 (€ 862,539) Unchanged	€ 27,085 Dividend 2025: € 27,085 ▲ 41% vs 2024 (€ 19,276) Unchanged	▲ 41%
Bank debt	€ 1,479,158 Bank debt 2022: € 1,479,158 First fiscal year in the series	€ 1,359,535 Bank debt 2023: € 1,359,535 ▼ 8% vs 2022 (€ 1,479,158) Favourable step	€ 1,504,120 Bank debt 2024: € 1,504,120 ▲ 11% vs 2023 (€ 1,359,535) Unfavourable step	€ 20,017,605 Bank debt 2025: € 20,017,605 ▲ € 18.5 million vs 2024 (€ 1,504,120) Unfavourable step	▲ € 18.5 million
Balance sheet total	€ 16,562,988 Balance sheet total 2022: € 16,562,988 First fiscal year in the series	€ 7,036,366 Balance sheet total 2023: € 7,036,366 ▼ 58% vs 2022 (€ 16,562,988) Unchanged	€ 7,159,564 Balance sheet total 2024: € 7,159,564 ▲ 2% vs 2023 (€ 7,036,366) Unchanged	€ 35,155,840 Balance sheet total 2025: € 35,155,840 ▲ € 28 million vs 2024 (€ 7,159,564) Unchanged	▲ € 28 million
Employees (FTE)	15.1 Employees (FTE) 2022: 15.1 First fiscal year in the series	14.6 Employees (FTE) 2023: 14.6 ▼ 0.5 vs 2022 (15.1) Unchanged	14.6 Employees (FTE) 2024: 14.6 Unchanged (14.6) Unchanged	17 Employees (FTE) 2025: 17 ▲ 2.4 vs 2024 (14.6) Unchanged	▲ 2.4

Key figures of Creafin, 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 Creafin?

What happened at Creafin in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2032 Jo Janssens stepped down as director. NBB
2032 Maryline Serafin stepped down as director. NBB
2032 Herman Bruyland stepped down as director. NBB
2028 Rudy Broeckaert stepped down as director. NBB
2027 Jacobus Marcel Berkhout stepped down as director. NBB
Sep 29, 2026 New annual accounts for financial year 2025: profit of € 507,459 (▲ 68% vs 2024). filed late Source: NBB ↗
2025 Maryline Serafin became a director. NBB
2025 Jacobus Marcel Berkhout became a director. NBB

In short

From € 753,744 profit in 2022 to € 507,459 profit in 2025.

Paid € 634,546 in corporate taxes since 2022.

Best year ever: 2022, with € 753,744 profit.

On average € 165,800 of value added per employee in 2024.

Original PDFs at the National Bank ↗

Management

Alembic Capital 35.2%

The stake of Alembic Capital comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Creafin

The shares are held by Alembic Capital (35.2%).

Directors

According to the 2025 annual accounts

Jo Janssens

Managing director

since 2025 · until 2032

Rudy Broeckaert

Director

since 2022 · until 2028

Maryline Serafin

Director

since 2025 · until 2032

Jacobus Marcel Berkhout

Managing director

since 2025 · until 2027

Herman Bruyland

Director

since 2025 · until 2032

Shareholders

Alembic Capital

35.2%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

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.

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+48 more

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Website

HTTPS creafin.be

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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

View on CBE Public ↗ Annual accounts (NBB) ↗

Creafin

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Financials

What happened to Creafin?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

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