What is the address of Creditum?

The registered office of Creditum is located at Hundelgemsesteenweg 492A, 9820 Merelbeke-Melle.

Is Creditum still active?

Yes. According to the CBE (31 October 2026) Creditum is active, legal situation “Normale toestand”, started on 8 November 2011.

Is Creditum registered on Peppol?

No, Creditum is currently not registered on the Peppol network.

What is the enterprise number of Creditum?

The enterprise number of Creditum is BE0840871521.

When was Creditum founded?

Creditum was founded on 8 November 2011.

Who are the directors of Creditum?

According to the 2025 annual accounts, the directors of Creditum are: WAUTERS EN CO BV.

Is Creditum a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 8 November 2011; 3 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did Creditum make in 2025?

Creditum posted a profit after taxes of € 43 in financial year 2025.

What is the revenue of Creditum?

As a small company, Creditum is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 741.

Creditum (Private Limited) - Merelbeke-Melle

Dossier Creditum, printed on 1 November 2026 from databakkes.be/en/0840871521/creditum. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 5 % of short-term debt in 2025; threshold 65 %.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

Creditum from Merelbeke-Melle, company number BE0840871521, closed financial year 2025 with a result of € 43 after tax. For that financial year Creditum recorded a gross margin of € 741 and equity of € 15,519. Compared with financial year 2022, the result moved from € 17 to € 43. Profitable, and profit is growing. 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 September 30, 2026.

What it is worth Healthy

€ 15,519

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 43

▲ 157% vs 2022

Profit after tax over the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 7,219.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 2,047

▲ 259% vs 2022

Supplier invoices still open on the last day of the fiscal year.

Key figures per fiscal year Download key figures (CSV)
	2021	2022	2025	Change 2022 → 2025
Gross margin	€ 584 Gross margin 2021: € 584 First fiscal year in the series	€ 640 Gross margin 2022: € 640 ▲ 10% vs 2021 (€ 584) Favourable step	€ 741 Gross margin 2025: € 741 ▲ 16% vs 2022 (€ 640) Favourable step	▲ 16%
Profit after taxes	€ 14 Profit after taxes 2021: € 14 First fiscal year in the series	€ 17 Profit after taxes 2022: € 17 ▲ 15% vs 2021 (€ 14) Favourable step	€ 43 Profit after taxes 2025: € 43 ▲ 157% vs 2022 (€ 17) Favourable step	▲ 157%
Equity	€ 15,517 Equity 2021: € 15,517 First fiscal year in the series	€ 15,533 Equity 2022: € 15,533 Unchanged (€ 15,517) Favourable step	€ 15,519 Equity 2025: € 15,519 Unchanged (€ 15,533) Unfavourable step
Total debts	€ 3,232 Total debts 2021: € 3,232 First fiscal year in the series	€ 571 Total debts 2022: € 571 ▼ 82% vs 2021 (€ 3,232) Favourable step	€ 439,748 Total debts 2025: € 439,748 ▲ € 439,178 vs 2022 (€ 571) Unfavourable step	▲ € 439,178
Cash	€ 17,669 Cash 2021: € 17,669 First fiscal year in the series	€ 10,754 Cash 2022: € 10,754 ▼ 39% vs 2021 (€ 17,669) Unfavourable step	-
Retained profit	€ 7,217 Retained profit 2021: € 7,217 First fiscal year in the series	€ 7,233 Retained profit 2022: € 7,233 Unchanged (€ 7,217) Favourable step	€ 7,219 Retained profit 2025: € 7,219 Unchanged (€ 7,233) Unfavourable step
Balance sheet total	€ 18,749 Balance sheet total 2021: € 18,749 First fiscal year in the series	€ 16,104 Balance sheet total 2022: € 16,104 ▼ 14% vs 2021 (€ 18,749) Unchanged	€ 455,267 Balance sheet total 2025: € 455,267 ▲ € 439,164 vs 2022 (€ 16,104) Unchanged	▲ € 439,164

Key figures of Creditum, fiscal years 2021 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 Creditum?

What happened at Creditum in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Sep 30, 2026 New annual accounts for financial year 2025: profit of € 43 (▲ 157% vs 2022). filed late Source: NBB ↗
Nov 8, 2011 New establishment in Zele. KBO
Nov 8, 2011 Start of the company according to the CBE. KBO

In short

From € 14 profit in 2021 to € 43 profit in 2025.

Paid € 13 in corporate taxes since 2021.

Best year ever: 2025, with € 43 profit.

Original PDFs at the National Bank ↗

Management

WAUTERS EN CO BV

Creditum

EP Finance 100%

Behind Creditum is WAUTERS EN CO BV. It owns 100% of EP Finance itself.

Directors

According to the 2025 annual accounts

WAUTERS EN CO BV

Director · represented by Kathy Wauters

Establishments

Establishment units

Physical locations of this company

Registered office

Hundelgemsesteenweg 492A

9820 Merelbeke-Melle

2.204.412.201

Nachtegaalstraat 8 box W6

9240 Zele

Active since 8 November 2011

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

WAUTERS & Co same network

€ 600,194 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0840.871.521
VAT number: BE 0840.871.521
Registered office: Hundelgemsesteenweg 492A, 9820 Merelbeke-Melle
Names & denominations: Creditum
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 8 November 2011
Peppol: Not registered

View on CBE Public ↗ Annual accounts (NBB) ↗