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.
Financials
Financial year 2025
Credim from Stabroek, company number BE0759644909, closed financial year 2025 with a result of € 78,913 after tax. For that financial year Credim recorded a gross margin of € 824,259 and equity of € -59,892. Compared with financial year 2024, the result moved from € 170,700 to € 78,913. The company is profitable. 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 February 23, 2026.
€ -59,892
▲ € 78,913 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 78,913
▼ 54% vs 2024
Profit after tax over the fiscal year.
€ 33,123
▲ 14% 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 € -69,892.
People and assets in 2025
12
Average over the fiscal year, from the social balance sheet.
€ 636,167
▼ 5% vs 2024
€ 53,000 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.
€ 12,549
▼ 31% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 233,992
▼ 16% vs 2024
€ 40,798 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 307,039
▼ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 149,632
▼ 34% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 252,496 | € 443,135 | € 966,887 | € 824,259 | ▼ 15% |
| Profit after taxes | € 27,773 | € -310,040 | € 170,700 | € 78,913 | ▼ 54% |
| Equity | € -4,466 | € -309,506 | € -138,805 | € -59,892 | ▲ € 78,913 |
| Total debts | € 288,904 | € 888,057 | € 917,996 | € 785,949 | ▼ 14% |
| Cash | € 15,133 | € 7,445 | € 29,182 | € 33,123 | ▲ 14% |
| Retained profit | € -9,466 | € -319,506 | € -148,805 | € -69,892 | ▲ € 78,913 |
| Bank debt | € 47,698 | € 319,128 | € 278,008 | € 233,992 | ▼ 16% |
| Balance sheet total | € 284,438 | € 578,552 | € 779,191 | € 726,056 | ▼ 7% |
| Employees (FTE) | - | - | - | 12 |
Key figures of Credim, 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 Credim?
What happened at Credim in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 78,913 (▼ 54% vs 2024). Source: NBB ↗
- New establishment in Stabroek. KBO
- Start of the company according to the CBE. KBO
In short
From € 27,773 profit in 2022 to € 78,913 profit in 2025.
Best year ever: 2024, with € 170,700 profit.
On average € 68,700 of value added per employee in 2025.
A new publication or filing at Credim? 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
Management
The stake of EIB Specialty Services comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CredimBehind Credim is MAARTEN FRANCKEN. The shares are held by EIB Specialty Services (50.1%).
Directors
According to the 2025 annual accounts
MAARTEN FRANCKEN
Director
Shareholders
50.1%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Conservenweg 6C
2940 Stabroek
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0759.644.909
- VAT number
- BE 0759.644.909
- Registered office
- Conservenweg 6C, 2940 Stabroek
- Names & denominations
- Credim
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 December 2020
- Peppol
- Active · Active since 16 Jan 2025
- Activities · NACE
Sanering en ander afvalbeheer