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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
CREDIT DIRECT from Verviers, company number BE0465785090, closed financial year 2025 with a result of € 23,353 after tax. For that financial year CREDIT DIRECT recorded a gross margin of € 441,803 and equity of € 603,862. Compared with financial year 2024, the result moved from € 46,751 to € 23,353. 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 August 26, 2026.
€ 603,862
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 23,353
▼ 50% vs 2024
Profit after tax over the fiscal year.
€ 29,867
▼ 58% 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 € 585,270.
People and assets in 2025
€ 354,196
▲ 20% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 53,156
▲ 151% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 133,665
▲ 65% vs 2024
€ 46,329 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 8,225
▲ 96% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 82,818
▼ 33% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 462,042 | € 452,225 | € 407,669 | € 441,803 | ▲ 8% |
| Profit after taxes | € 113,080 | € 104,257 | € 46,751 | € 23,353 | ▼ 50% |
| Equity | € 463,786 | € 548,043 | € 580,508 | € 603,862 | ▲ 4% |
| Total debts | € 404,272 | € 265,857 | € 212,384 | € 227,110 | ▲ 7% |
| Cash | € 130,223 | € 104,952 | € 71,533 | € 29,867 | ▼ 58% |
| Land & buildings | € 205,415 | € 195,776 | € 186,137 | € 176,498 | ▼ 5% |
| Retained profit | € 445,194 | € 529,451 | € 561,916 | € 585,270 | ▲ 4% |
| Dividend | € 80,000 | € 20,000 | € 14,286 | € 0 | ▼ 100% |
| Bank debt | € 205,551 | € 119,589 | € 80,827 | € 133,665 | ▲ 65% |
| Balance sheet total | € 868,058 | € 813,899 | € 792,892 | € 830,971 | ▲ 5% |
| Employees (FTE) | 5.2 | 4.8 | 5.6 | - |
Key figures of CREDIT DIRECT, 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 DIRECT?
What happened at CREDIT DIRECT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 23,353 (▼ 50% vs 2024). filed late Source: NBB ↗
- New establishment in Mons. KBO
- New establishment in Arlon. KBO
- New establishment in Verviers. KBO
- Start of the company according to the CBE. KBO
In short
From € 113,080 profit in 2022 to € 23,353 profit in 2025.
Paid € 128,625 in corporate taxes since 2022.
Best year ever: 2022, with € 113,080 profit.
On average € 72,800 of value added per employee in 2024.
A new publication or filing at CREDIT DIRECT? 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
Establishments
Establishment units
Physical locations of this company
Thier Mère-Dieu 8
4800 Verviers
Rue des Déportés 74
6700 Arlon
Active since 24 November 2003
Boulevard Charles Quint 21
7000 Mons
Active since 1 April 2006
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0465.785.090
- VAT number
- BE 0465.785.090
- Registered office
- Thier Mère-Dieu 8, 4800 Verviers
- Names & denominations
- CREDIT DIRECT · C.D.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 April 1999
- Peppol
- Not registered
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen
Ondersteunende activiteiten i.v.m. financiële instellingen, n.e.g.