Financials
Financial year 2025
CREDI CONSULT from Blankenberge, company number BE0889937584, closed financial year 2025 with a result of € 606,745 after tax. For that financial year CREDI CONSULT recorded a gross margin of € 1.3 million and equity of € 497,951. Compared with financial year 2024, the result moved from € 365,773 to € 606,745. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on October 31, 2025.
€ 497,951
▲ 33% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 606,745
▲ 66% vs 2024
Profit after tax over the fiscal year.
€ 116,503
▲ 67% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 482,900 paid out
80 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
6
▲ 1.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 392,289
▲ 26% vs 2024
€ 65,400 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.
€ 53,785
▼ 8% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 348,065
▲ 2% vs 2024
€ 88,097 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 17,396
▼ 28% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 126,744
▲ € 100,244 vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 571,972 | € 937,888 | € 892,179 | € 1,305,688 | ▲ 46% |
| Profit after taxes | € 226,859 | € 379,800 | € 365,773 | € 606,745 | ▲ 66% |
| Equity | € 125,360 | € 177,960 | € 374,106 | € 497,951 | ▲ 33% |
| Total debts | € 1,281,064 | € 1,293,376 | € 1,217,888 | € 1,853,912 | ▲ 52% |
| Cash | € 44,485 | € 27,463 | € 69,599 | € 116,503 | ▲ 67% |
| Land & buildings | € 191,390 | € 176,143 | € 288,828 | € 361,405 | ▲ 25% |
| Retained profit | € 95,360 | € 147,960 | € 344,106 | € 467,951 | ▲ 36% |
| Dividend | € 258,400 | € 327,200 | € 169,627 | € 482,900 | ▲ 185% |
| Bank debt | € 219,471 | € 248,052 | € 342,135 | € 348,065 | ▲ 2% |
| Balance sheet total | € 1,406,424 | € 1,471,336 | € 1,591,995 | € 2,351,864 | ▲ 48% |
| Employees (FTE) | 3.6 | 5.9 | 4.9 | 6 | ▲ 1.1 |
Key figures of CREDI CONSULT, 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 October 2026.
What happened to CREDI CONSULT?
What happened at CREDI CONSULT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 606,745 (▲ 66% vs 2024). Source: NBB ↗
- New establishment in Veurne. KBO
- New establishment in Oostkamp. KBO
- New establishment in Torhout. KBO
- New establishment in Brugge. KBO
- New establishment in Blankenberge. KBO
- Start of the company according to the CBE. KBO
In short
From € 226,859 profit in 2022 to € 606,745 profit in 2025.
Paid € 589,888 in corporate taxes since 2022.
Best year ever: 2025, with € 606,745 profit.
On average € 217,600 of value added per employee in 2025.
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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 KARTEC comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CREDI CONSULTBehind CREDI CONSULT are Karma Consult BV and Kartec BV. The shares are held by KARTEC (33%).
Directors
According to the 2025 annual accounts
Shareholders
33%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kerkstraat 442
8370 Blankenberge
Blankenbergse Steenweg 23
8000 Brugge
Active since 1 January 2015
Burg 53
8820 Torhout
Active since 1 July 2016
Brugsestraat 11
8020 Oostkamp
Active since 30 November 2018
Sint-Denisplaats 9
8630 Veurne
Active since 3 February 2025
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
- 0889.937.584
- VAT number
- BE 0889.937.584
- Registered office
- Kerkstraat 442, 8370 Blankenberge
- Names & denominations
- CREDI CONSULT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 June 2007
- Peppol
- Active · Active since 5 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars