Financials
Financial year 2025
crefi conseils from Charleroi, company number BE0880496813, closed financial year 2025 with a result of € 175,365 after tax. For that financial year crefi conseils recorded a gross margin of € 884,795 and equity of € 309,083. Compared with financial year 2024, the result moved from € 101,791 to € 175,365. 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 February 9, 2026.
€ 309,083
▲ 17% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 175,365
▲ 72% vs 2024
Profit after tax over the fiscal year.
€ 199,744
▼ 22% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 130,000 paid out
74 % of the profit went to the shareholders, mostly to Demoor Invest SRL (60 % of the shares). That is where the money ends up.
People and assets in 2025
9.9
▲ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 433,640
▼ 10% vs 2024
€ 43,800 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.
€ 26,828
▲ 24% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 317,676
▼ 52% vs 2024
€ 74,806 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 20,225
▼ 47% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,107
▼ 72% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 662,659 | € 636,845 | € 876,580 | € 884,795 | ▲ 1% |
| Profit after taxes | € 41,624 | € -73,564 | € 101,791 | € 175,365 | ▲ 72% |
| Equity | € 235,491 | € 161,927 | € 263,718 | € 309,083 | ▲ 17% |
| Total debts | € 1,203,291 | € 1,029,239 | € 779,954 | € 361,298 | ▼ 54% |
| Cash | € 295,447 | € 120,981 | € 254,617 | € 199,744 | ▼ 22% |
| Retained profit | € 216,941 | € 143,377 | € 245,168 | € 290,533 | ▲ 19% |
| Dividend | € 0 | € 0 | € 0 | € 130,000 | |
| Bank debt | € 1,033,094 | € 845,592 | € 660,179 | € 317,676 | ▼ 52% |
| Balance sheet total | € 1,438,782 | € 1,191,166 | € 1,043,672 | € 670,381 | ▼ 36% |
| Employees (FTE) | 9.2 | 10.9 | 9.3 | 9.9 | ▲ 0.6 |
Key figures of crefi conseils, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to crefi conseils?
What happened at crefi conseils in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 175,365 (▲ 72% vs 2024). filed late Source: NBB ↗
- ENAXOR CONSEILS stepped down as director. NBB
- FINANCIAL GC became a director. NBB
- DEMOOR INVEST became a director. NBB
- ENAXOR CONSEILS became a director. NBB
- New establishment in Mons. KBO
- New establishment in Rixensart. KBO
- New establishment in La Louvière. KBO
In short
From € 41,624 profit in 2022 to € 175,365 profit in 2025.
Paid € 207,411 in corporate taxes since 2022.
Best year ever: 2025, with € 175,365 profit.
On average € 89,400 of value added per employee in 2025.
Management
The stake of ENAXOR CONSEILS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
crefi conseilsBehind crefi conseils are FINANCIAL GC and DEMOOR INVEST. The shares are held by Demoor Invest SRL (60.4%), Financial GC SRL (31.5%), Bastien Demoor (8.1%) and ENAXOR CONSEILS (21%).
Directors
According to the 2025 annual accounts
Director · represented by Guillaume Cailleaux
since 2020
Director · represented by Bastien Demoor
since 2020
Director · represented by Renaud Ramakers
Also active at: De STAERCKE & Associés, De STAERCKE & Associés Finance
since 2020 · until 2025
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Boulevard Alfred de Fontaine 4 box 1
6000 Charleroi
Boulevard Alfred de Fontaine 4/01
6000 Charleroi
Active since 5 April 2006
Rue de Baume(L.L) 145
7100 La Louvière
Active since 1 October 2014
Place du Millénaire 6
1330 Rixensart
Active since 18 January 2019
Route d'Ath(N.) 156
7020 Mons
Active since 1 May 2019
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0880.496.813
- VAT number
- BE 0880.496.813
- Registered office
- Boulevard Alfred de Fontaine 4 bus 1, 6000 Charleroi
- Names & denominations
- crefi conseils
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 April 2006
- Peppol
- Active · Active since 13 Jan 2026
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Overige financiële dienstverlening, neg