Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 11.4 to 8.
Financials
Financial year 2025
CREDIT MANAGEMENT & ADVICE from Aalst, company number BE0462800460, closed financial year 2025 with a result of € 28,127 after tax. For that financial year CREDIT MANAGEMENT & ADVICE recorded a gross margin of € 614,024 and equity of € 529,688. Compared with financial year 2024, the result moved from € 78,588 to € 28,127. 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 July 31, 2026.
€ 529,688
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 28,127
▼ 64% vs 2024
Profit after tax over the fiscal year.
€ 60,397
▼ 66% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 466,476.
People and assets in 2025
8
▼ 1.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 543,361
▼ 15% vs 2024
€ 67,900 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.
€ 60,770
▼ 21% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 42,799
▼ 34% vs 2024
€ 14,943 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 45,631
▼ 5% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 88,053
▲ 5% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 978,002 | € 653,911 | € 787,488 | € 614,024 | ▼ 22% |
| Profit after taxes | € 203,758 | € 47,609 | € 78,588 | € 28,127 | ▼ 64% |
| Equity | € 483,288 | € 422,973 | € 501,561 | € 529,688 | ▲ 6% |
| Total debts | € 210,517 | € 305,052 | € 252,128 | € 283,396 | ▲ 12% |
| Cash | € 120,732 | € 44,501 | € 177,996 | € 60,397 | ▼ 66% |
| Retained profit | € 420,076 | € 359,761 | € 438,349 | € 466,476 | ▲ 6% |
| Dividend | € 1,357,100 | € 107,925 | € 0 | € 0 | |
| Bank debt | € 67,611 | € 85,714 | € 64,570 | € 42,799 | ▼ 34% |
| Balance sheet total | € 693,805 | € 728,026 | € 753,689 | € 813,084 | ▲ 8% |
| Employees (FTE) | 11.3 | 11.4 | 9.6 | 8 | ▼ 1.6 |
Key figures of CREDIT MANAGEMENT & ADVICE, 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 CREDIT MANAGEMENT & ADVICE?
What happened at CREDIT MANAGEMENT & ADVICE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- GETPEJT BV stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 28,127 (▼ 64% vs 2024). Source: NBB ↗
- Peggy De Neve became a director. NBB
- GETPEJT BV became a director. NBB
- New establishment in Aalst. KBO
- Start of the company according to the CBE. KBO
In short
From € 203,758 profit in 2022 to € 28,127 profit in 2025.
Paid € 161,483 in corporate taxes since 2022.
Best year ever: 2022, with € 203,758 profit.
On average € 76,800 of value added per employee in 2025.
A new publication or filing at CREDIT MANAGEMENT & ADVICE? We notify you, reason included.
Follow CREDIT MANAGEMENT & ADVICEDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 CREDIT MANAGEMENT & ADVICE is Peggy De Neve.
Directors
According to the 2025 annual accounts
Peggy De Neve
Director
since 2023
Director · represented by Alain Dewit
since 2021 · until 2027
Establishments
Establishment units
Physical locations of this company
Driehoekstraat 18
9320 Aalst
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0462.800.460
- VAT number
- BE 0462.800.460
- Registered office
- Driehoekstraat 18, 9320 Aalst
- Names & denominations
- CREDIT MANAGEMENT & ADVICE · C.M.A.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 3 March 1998
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Activiteiten van incasso- en kredietbureaus
Incassobureaus en onderzoek naar de kredietwaardigheid