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.
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Tight liquidity NBB
Cash and receivables cover 8 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CREDOVA from Villers-la-Ville, company number BE0823374107, closed financial year 2025 with a result of € 10,719 after tax. For that financial year CREDOVA recorded a gross margin of € 15,031 and equity of € -28,025. Compared with financial year 2024, the result moved from € 937 to € 10,719. Profitable, and profit is growing. 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 August 30, 2026.
€ -28,025
▲ € 10,718 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 10,719
▲ € 9,781 vs 2024
Profit after tax over the fiscal year.
€ 922
▼ 6% 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 € -34,225.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 19,496
▼ 21% vs 2024
€ 5,109 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 345
▼ 52% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 5,075 | € 2,931 | € 5,242 | € 15,031 | ▲ 187% |
| Profit after taxes | € 976 | € -1,306 | € 937 | € 10,719 | ▲ € 9,781 |
| Equity | € -38,374 | € -39,680 | € -38,743 | € -28,025 | ▲ € 10,718 |
| Total debts | € 109,794 | € 108,554 | € 105,887 | € 98,338 | ▼ 7% |
| Cash | € 375 | € 245 | € 978 | € 922 | ▼ 6% |
| Land & buildings | € 71,020 | € 68,593 | € 66,166 | € 63,739 | ▼ 4% |
| Retained profit | € -44,574 | € -45,880 | € -44,943 | € -34,225 | ▲ € 10,719 |
| Bank debt | € 34,439 | € 29,521 | € 24,540 | € 19,496 | ▼ 21% |
| Balance sheet total | € 71,420 | € 68,873 | € 67,144 | € 70,313 | ▲ 5% |
Key figures of CREDOVA, 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 CREDOVA?
What happened at CREDOVA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 10,719 (▲ € 9,781 vs 2024). filed late Source: NBB ↗
- Nathalie Saint-Hubert became a director. NBB
- Start of the company according to the CBE. KBO
- New establishment in Braine-l'Alleud. KBO
In short
From € 976 profit in 2022 to € 10,719 profit in 2025.
Best year ever: 2025, with € 10,719 profit.
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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
Behind CREDOVA is Nathalie Saint-Hubert. Nathalie Saint-Hubert is also behind GREGEST INVEST, WALCOURT INVEST, GEGN Consult, GSDK and IMMO PHILIPPE MOLET.
Directors
According to the 2025 annual accounts
Nathalie Saint-Hubert
Director
Also active at: GREGEST INVEST, WALCOURT INVEST, GEGN Consult, GSDK, IMMO PHILIPPE MOLET
since 2019
Establishments
Establishment units
Physical locations of this company
Rue Piraumont 23
1495 Villers-la-Ville
Place Saint-Zèle 16
1420 Braine-l'Alleud
Active since 19 February 2010
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0823.374.107
- VAT number
- BE 0823.374.107
- Registered office
- Rue Piraumont 23, 1495 Villers-la-Ville
- Names & denominations
- CREDOVA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 February 2010
- Peppol
- Active · Active since 7 Jan 2026
- Activities · NACE
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies