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 43 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CREDOFIN from Lievegem, company number BE0892874805, closed financial year 2025 with a result of € -15,665 after tax. For that financial year CREDOFIN recorded a gross margin of € 900,328 and equity of € 256,027. Compared with financial year 2024, the result moved from € 13,587 to € -15,665. The company made a loss. 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 August 31, 2026.
€ 256,027
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -15,665
▼ still € 13,587 profit in 2024
Profit after tax over the fiscal year.
€ 89,933
▲ 2% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 53,835.
People and assets in 2025
€ 475,110
▲ 112% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 61,465
▲ € 53,759 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.4 million
▲ 173% vs 2024
€ 128,064 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.
€ 143,895
▲ 240% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 117,713
▲ 123% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 409,875 | € 307,957 | € 341,581 | € 900,328 | ▲ 164% |
| Profit after taxes | € 96,219 | € 15,772 | € 13,587 | € -15,665 | ▼ € 29,251 |
| Equity | € 275,626 | € 246,399 | € 259,985 | € 256,027 | ▼ 2% |
| Total debts | € 431,052 | € 312,019 | € 624,719 | € 1,825,733 | ▲ 192% |
| Cash | € 261,325 | € 163,772 | € 87,979 | € 89,933 | ▲ 2% |
| Land & buildings | € 280,061 | € 260,172 | € 240,283 | € 1,388,539 | ▲ € 1.1 million |
| Retained profit | € 92,034 | € 62,807 | € 76,393 | € 53,835 | ▼ 30% |
| Dividend | € 75,000 | € 45,000 | € 0 | € 80,000 | |
| Bank debt | € 257,896 | € 214,573 | € 527,469 | € 1,439,105 | ▲ 173% |
| Balance sheet total | € 725,878 | € 575,376 | € 899,422 | € 2,094,236 | ▲ 133% |
| Employees (FTE) | 3 | 3.1 | 3.2 | - |
Key figures of CREDOFIN, 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 CREDOFIN?
What happened at CREDOFIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 15,665 (▼ € 29,251 vs 2024). filed late Source: NBB ↗
- Vadeve BV became a director. NBB
- Caremi Invest BV became a director. NBB
- LDK Finance BV became a director. NBB
- Vadeve BV stepped down as director. NBB
- Lela Finance BV became a director. NBB
- Fena BV became a director. NBB
- New establishment in Lievegem. KBO
In short
From € 96,219 profit in 2022 to € 15,665 loss in 2025.
Paid € 67,397 in corporate taxes since 2022.
Best year ever: 2022, with € 96,219 profit.
On average € 106,700 of value added per employee in 2024.
A new publication or filing at CREDOFIN? We notify you, reason included.
Follow CREDOFINDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 VADEVE, Fena comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CREDOFINBehind CREDOFIN are Caremi Invest BV, Lela Finance BV, Fena BV and LDK Finance BV. The shares are held by VADEVE (33.3%) and Fena (25%).
Directors
According to the 2025 annual accounts
Director · represented by Carlo Mattheeuws
since 2025
Director · represented by Inge Willems
since 2015
Director · represented by Nathalie Van Nevel
since 2015
Director · represented by Leen De Kesel
since 2025
Director · represented by Christine Van De Velde
since 2025 · until 2025
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Molendreef 13
9920 Lievegem
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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
CLDIN-NL Your Hosting B.V. part of Your.Online, NL
Website info
Features
Security
Network
Details
- Company number
- 0892.874.805
- VAT number
- BE 0892.874.805
- Registered office
- Molendreef 13, 9920 Lievegem
- Names & denominations
- CREDOFIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 17 October 2007
- Peppol
- Active · Active since 19 Jun 2025
- Contact
- credofin.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis