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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Annual account missing NBB
Fiscal year 2023 was expected before 31 July 2024 and has not been filed.
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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 2022
Creditum from Merelbeke-Melle, company number BE0840871521, closed financial year 2022 with a result of € 17 after tax. For that financial year Creditum recorded a gross margin of € 640 and equity of € 15,533. Compared with financial year 2021, the result moved from € 14 to € 17. Profitable, and profit is growing. 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 October 31, 2023.
€ 15,533
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 17
▲ 15% vs 2021
Profit after tax over the fiscal year.
€ 10,754
▼ 39% vs 2021
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2022. Retained profit grew to € 7,233.
Debts at end 2022
None
No bank loans on the last day of the fiscal year.
€ 571
▼ 82% vs 2021
Supplier invoices still open on the last day of the fiscal year.
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| 2021 | 2022 | Change 2021 → 2022 | |
|---|---|---|---|
| Gross margin | € 584 | € 640 | ▲ 10% |
| Profit after taxes | € 14 | € 17 | ▲ 15% |
| Equity | € 15,517 | € 15,533 | |
| Total debts | € 3,232 | € 571 | ▼ 82% |
| Cash | € 17,669 | € 10,754 | ▼ 39% |
| Retained profit | € 7,217 | € 7,233 | |
| Balance sheet total | € 18,749 | € 16,104 | ▼ 14% |
Key figures of Creditum, fiscal years 2021 to 2022, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2023 has not been filed yet; it was expected before 31 July 2024.
What happened to Creditum?
What happened at Creditum in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2022: profit of € 17 (▲ 15% vs 2021). filed late Source: NBB ↗
- New establishment in Zele. KBO
- Start of the company according to the CBE. KBO
In short
From € 14 profit in 2021 to € 17 profit in 2022.
Paid € 13 in corporate taxes since 2021.
Best year ever: 2022, with € 17 profit.
A new publication or filing at Creditum? 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
Behind Creditum are Steven Van Den Broeck and Eddy De Smedt. Steven Van Den Broeck is also behind EUROFINCO. Eddy De Smedt is also behind ADVIES, BEMIDDELINGS- EN SERVICE KANTOOR.
Directors
According to the 2022 annual accounts
Establishments
Establishment units
Physical locations of this company
Hundelgemsesteenweg 492A
9820 Merelbeke-Melle
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 →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