Credco is filed with the CBE under the catch-all “Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen”, a code that says little about what the company actually does. Private Limited, started on 26 June 1997, 1 establishment.

What is the address of Credco?

The registered office of Credco is located at Belgiëlei 85GLV, 2018 Antwerpen.

Is Credco still active?

Yes. According to the CBE (2 October 2026) Credco is active, legal situation “Normale toestand”, started on 26 June 1997.

Is Credco registered on Peppol?

Yes, Credco is registered on the Peppol network with ID 0208:0460941228.

What is the enterprise number of Credco?

The enterprise number of Credco is BE0460941228.

When was Credco founded?

Credco was founded on 26 June 1997.

Who are the directors of Credco?

According to the 2025 annual accounts, the directors of Credco are: Yoel Apter.

Is Credco a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 26 June 1997; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did Credco make in 2025?

Credco recorded a loss after taxes of € 30,031 in financial year 2025.

What is the revenue of Credco?

As a small company, Credco is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € -19,811.

Credco (Private Limited) - Antwerpen - BE0460941228

Dossier Credco, printed on 2 October 2026 from databakkes.be/en/0460941228/credco. 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.

Negative equity NBB

More debt than assets in 4 of the last 4 fiscal years.
Two loss years in a row NBB

Negative result in 2024 and 2025.
Tight liquidity NBB

Cash and receivables cover 17 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

Credco from Antwerpen, company number BE0460941228, closed financial year 2025 with a result of € -30,031 after tax. For that financial year Credco recorded a gross margin of € -19,811 and equity of € -58,948. Compared with financial year 2024, the result moved from € -17,801 to € -30,031. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 25, 2026.

What it is worth Caution

€ -58,948

▼ € 30,031 vs 2024

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

Loss Caution

€ -30,031

▼ 69 % more loss than in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 1,029

▼ 97% vs 2024

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

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -77,540.

People and assets in 2025

Full-time equivalents estimate The annual accounts report no full-time equivalents. A micro company with one active director is usually run by that person; this is an assumption, not a figure from the source.

≈ 1

No payroll staff. One director, so that person most likely runs the business.

Vehicles and equipment

€ 2,848

▲ 231% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 24,145

▼ 14% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes

€ 119

▼ 95% vs 2024

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

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Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 13,900 Gross margin 2022: € 13,900 First fiscal year in the series	€ 5,868 Gross margin 2023: € 5,868 ▼ 58% vs 2022 (€ 13,900) Unfavourable step	€ -16,847 Gross margin 2024: € -16,847 ▼ € 22,715 vs 2023 (€ 5,868) Unfavourable step	€ -19,811 Gross margin 2025: € -19,811 ▼ € 2,964 vs 2024 (€ -16,847) Unfavourable step	▼ € 2,964
Profit after taxes	€ 9,122 Profit after taxes 2022: € 9,122 First fiscal year in the series	€ 3,801 Profit after taxes 2023: € 3,801 ▼ 58% vs 2022 (€ 9,122) Unfavourable step	€ -17,801 Profit after taxes 2024: € -17,801 ▼ € 21,602 vs 2023 (€ 3,801) Unfavourable step	€ -30,031 Profit after taxes 2025: € -30,031 ▼ € 12,230 vs 2024 (€ -17,801) Unfavourable step	▼ € 12,230
Equity	€ -14,918 Equity 2022: € -14,918 First fiscal year in the series	€ -11,116 Equity 2023: € -11,116 ▲ € 3,801 vs 2022 (€ -14,918) Favourable step	€ -28,917 Equity 2024: € -28,917 ▼ € 17,801 vs 2023 (€ -11,116) Unfavourable step	€ -58,948 Equity 2025: € -58,948 ▼ € 30,031 vs 2024 (€ -28,917) Unfavourable step	▼ € 30,031
Total debts	€ 28,227 Total debts 2022: € 28,227 First fiscal year in the series	€ 46,934 Total debts 2023: € 46,934 ▲ 66% vs 2022 (€ 28,227) Unfavourable step	€ 122,612 Total debts 2024: € 122,612 ▲ 161% vs 2023 (€ 46,934) Unfavourable step	€ 146,339 Total debts 2025: € 146,339 ▲ 19% vs 2024 (€ 122,612) Unfavourable step	▲ 19%
Cash	€ 2,740 Cash 2022: € 2,740 First fiscal year in the series	€ 7,098 Cash 2023: € 7,098 ▲ 159% vs 2022 (€ 2,740) Favourable step	€ 29,960 Cash 2024: € 29,960 ▲ € 22,862 vs 2023 (€ 7,098) Favourable step	€ 1,029 Cash 2025: € 1,029 ▼ 97% vs 2024 (€ 29,960) Unfavourable step	▼ 97%
Land & buildings	-	-	€ 19,918 Land & buildings 2024: € 19,918 First fiscal year in the series	€ 59,088 Land & buildings 2025: € 59,088 ▲ 197% vs 2024 (€ 19,918) Unchanged	▲ 197%
Retained profit	€ -33,510 Retained profit 2022: € -33,510 First fiscal year in the series	€ -29,708 Retained profit 2023: € -29,708 ▲ € 3,801 vs 2022 (€ -33,510) Favourable step	€ -47,509 Retained profit 2024: € -47,509 ▼ € 17,801 vs 2023 (€ -29,708) Unfavourable step	€ -77,540 Retained profit 2025: € -77,540 ▼ € 30,031 vs 2024 (€ -47,509) Unfavourable step	▼ € 30,031
Balance sheet total	€ 13,310 Balance sheet total 2022: € 13,310 First fiscal year in the series	€ 35,817 Balance sheet total 2023: € 35,817 ▲ 169% vs 2022 (€ 13,310) Unchanged	€ 93,695 Balance sheet total 2024: € 93,695 ▲ 162% vs 2023 (€ 35,817) Unchanged	€ 87,391 Balance sheet total 2025: € 87,391 ▼ 7% vs 2024 (€ 93,695) Unchanged	▼ 7%

Key figures of Credco, 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 Credco?

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

Sep 25, 2026 New annual accounts for financial year 2025: loss of € 30,031. filed late Source: NBB ↗
2020 Yoel Apter became a director. NBB
Jul 4, 1997 New establishment in Antwerpen. KBO
Jun 26, 1997 Start of the company according to the CBE. KBO

In short

From € 9,122 profit in 2022 to € 30,031 loss in 2025.

Paid € 6,186 in corporate taxes since 2022.

Best year ever: 2022, with € 9,122 profit.

Original PDFs at the National Bank ↗

A new publication or filing at Credco? We notify you, reason included.

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My folder 3 companies

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

Real filings at the National Bank

Management

Yoel Apter

Credco

Behind Credco is Yoel Apter.

See the full network in the app

Directors

According to the 2025 annual accounts

Yoel Apter

Director

since 2020

Establishments

Establishment units

Physical locations of this company

Registered office

Belgiëlei 85GLV

2018 Antwerpen

2.082.501.710

Belgiëlei 85 GLV

2018 Antwerpen

Active since 4 July 1997

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

Details

Company number: 0460.941.228
VAT number: BE 0460.941.228
Registered office: Belgiëlei 85GLV, 2018 Antwerpen
Names & denominations: Credco · Credit Point
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 26 June 1997
Peppol: Active · Active since 16 Feb 2026
Activities · NACE: Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen

View on CBE Public ↗ Annual accounts (NBB) ↗