Financials
Financial year 2025
CREDIT & CO from Floreffe, company number BE0736571379, closed financial year 2025 with a result of € -1,621 after tax. For that financial year CREDIT & CO recorded a gross margin of € 34,455 and equity of € 38,664. Compared with financial year 2024, the result moved from € 16,677 to € -1,621. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 38,664
▼ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -1,621
▼ still € 16,677 profit in 2024
Profit after tax over the fiscal year.
€ 29,615
▲ 51% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 36,664.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 13,794
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 19,023
▼ 36% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 272,407
▲ € 224,113 vs 2024
€ 19,659 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.
€ 1,526
▲ 137% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,051
▲ € 5,185 vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 17,241 | € 14,527 | € 42,486 | € 34,455 | ▼ 19% |
| Profit after taxes | € -3,977 | € -3,946 | € 16,677 | € -1,621 | ▼ € 18,298 |
| Equity | € 27,553 | € 23,608 | € 40,285 | € 38,664 | ▼ 4% |
| Total debts | € 72,611 | € 87,015 | € 68,410 | € 295,067 | ▲ € 226,657 |
| Cash | € 7,250 | € 24,480 | € 19,550 | € 29,615 | ▲ 51% |
| Land & buildings | - | - | - | € 201,551 | |
| Retained profit | € 25,553 | € 21,608 | € 38,285 | € 36,664 | ▼ 4% |
| Bank debt | € 40,301 | € 59,569 | € 48,294 | € 272,407 | ▲ € 224,113 |
| Balance sheet total | € 100,164 | € 110,623 | € 108,695 | € 333,731 | ▲ 207% |
Key figures of CREDIT & CO, 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 & CO?
What happened at CREDIT & CO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 1,621 (▼ € 18,298 vs 2024). Source: NBB ↗
- New establishment in Floreffe. KBO
- Jean Debaty became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 3,977 loss in 2022 to € 1,621 loss in 2025.
Paid € 6,155 in corporate taxes since 2022.
Best year ever: 2024, with € 16,677 profit.
Management
Behind CREDIT & CO is Jean Debaty.
Directors
According to the 2025 annual accounts
Jean Debaty
Director
since 2019
Establishments
Establishment units
Physical locations of this company
Rue de la Basse-Sambre, Soye 18
5150 Floreffe
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
OVH, FR
Website info
Features
Security
Details
- Company number
- 0736.571.379
- VAT number
- BE 0736.571.379
- Registered office
- Rue de la Basse-Sambre, Soye 18, 5150 Floreffe
- Names & denominations
- CREDIT & CO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 October 2019
- Peppol
- Active · Active since 6 Oct 2025
- Contact
- creditenligne.be [email protected]
- Activities · NACE
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