CREDITIS
CREDITIS is een financiële instelling; het faillissementsmodel is getraind op handels- en productievennootschappen en is hier niet van toepassing. De jaarrekening over 2025 toont een eigen vermogen van €46k en een nettoresultaat van €27k. Het eigen vermogen groeit met ~87% per jaar over de neergelegde boekjaren. De solvabiliteit is beter dan 30% van 90 sectorgenoten (boekjaar 2025). Het bedrijf is actief sinds 2006 en het Belgisch Staatsblad bevat geen insolventie- of waarschuwingssignalen.
| Eigen vermogen | €46k |
| Netto resultaat | €27k |
| Werknemers (VTE) | 0,1 |
| Beter dan sector | 30% |
Sterk profiel, met rentabiliteit als uitschieter.
Berekend op 4 van 5 assen. Niet gemeten: gezondheid. Een niet gemeten as is geen nul: hiervoor zijn geen gegevens ingelezen.
Dit is een financiële instelling (bank, verzekeraar of financiële holding). Ons faillissementsmodel is getraind op gewone handels- en productievennootschappen; een bankbalans valt buiten dat bereik. We tonen hier daarom geen faillissementskans in plaats van een misleidend cijfer.
Hoe berekenen we dit?
De trend is een robuuste mediaan van alle paarsgewijze hellingen tussen de boekjaren (Theil-Sen), zodat één afwijkend jaar de lijn niet kan kapen. Voor strikt positieve reeksen rekenen we ook een loggroei-variant (samengestelde jaargroei) en kiezen we de variant die de cijfers het best beschrijft.
De zone rond de projectie is 1,8 × de mediane absolute afwijking van de trend, en verbreedt per jaar vooruit (×1 / ×1,6 / ×2,2), met een minimum van 8% van de laatste waarde. Dit is een indicatieve marge, géén statistisch betrouwbaarheidsinterval.
Een reeks waarvan de afwijkingen meer dan 35% van het niveau bedragen, is te volatiel: dan tonen we bewust géén projectie. Elke projectie veronderstelt ongewijzigd beleid en kent geen niet-publieke informatie (orderboek, contracten, financieringsrondes).
| Kengetal | Dit bedrijf | Sectormediaan | Positie in de sector |
|---|---|---|---|
| Solvabiliteit | 5,0% | 22,2% | |
| Nettoresultaat | €27k | €84k | |
| Eigen vermogen | €46k | €120k | |
| Bruto bedrijfsmarge | €77k | €401k | |
| Personeelskosten | €972 | €434k |
Cijfers per boekjaar en ratio's
| Boekjaar | 2025 |
|---|---|
| Neerlegging | verkort schema |
| Omzet | n.v.t. |
| EBITDA | n.v.t. |
| Nettoresultaat | €27k |
| Cashflow | n.v.t. |
| Personeelskosten | €972 |
| Belastingen op het resultaat | €7k |
| Dividenden | - |
| Totaal activa | €922k |
| Eigen vermogen | €46k |
| Schulden | €876k |
| waarvan ≤ 1 jaar | €246k |
| waarvan > 1 jaar | €627k |
| Werkkapitaal | n.v.t. |
| Werknemers (VTE) | 0,1 |
| 2025 | |
|---|---|
| Current ratio | n.v.t. |
| Quick ratio | n.v.t. |
| Werkkapitaalratio | n.v.t. |
| Solvabiliteit | 5,0% |
| Debt / equity | n.v.t. |
| Langetermijnschuldgraad | n.v.t. |
| Interest coverage | n.v.t. |
| Bruto rentabiliteit | n.v.t. |
| Netto rentabiliteit | n.v.t. |
| ROA | 2,9% |
| ROE | 58,5% |
| EBITDA-marge | n.v.t. |
| Klantenkrediet (DSO) | n.v.t. |
| Leverancierskrediet (DPO) | n.v.t. |
| Voorraadrotatie | n.v.t. |
| Voorraaddagen (DSI) | n.v.t. |
Volledige jaarrekening (23 posten)
| Post | Code | 2025 |
|---|---|---|
| Balans, Activa | ||
| TOTAAL ACTIVA | 20/58 | €922k |
| Vaste activa | 21/28 | €864k |
| Immateriële vaste activa | 21 | €352 |
| Materiële vaste activa | 22/27 | €864k |
| Vlottende activa | 29/58 | €58k |
| Vorderingen op ten hoogste één jaar | 40/41 | €42k |
| Liquide middelen | 54/58 | €13k |
| Balans, Passiva | ||
| TOTAAL PASSIVA | 10/49 | €922k |
| Eigen vermogen | 10/15 | €46k |
| Inbreng / kapitaal | 10/11 | €19k |
| Overgedragen winst (verlies) | 14 | €28k |
| Schulden | 17/49 | €876k |
| Schulden op meer dan één jaar | 17 | €627k |
| Schulden op ten hoogste één jaar | 42/48 | €246k |
| Handelsschulden op ten hoogste één jaar | 44 | €201k |
| Resultatenrekening | ||
| Bruto bedrijfsmarge | 9900 | €77k |
| Bedrijfsresultaat | 9901 | €52k |
| Financiële opbrengsten | 75 | €264 |
| Financiële kosten | 65 | €18k |
| Resultaat vóór belasting | 9903 | €35k |
| Belastingen op het resultaat | 67/77 | €7k |
| Resultaat van het boekjaar | 9904 | €27k |
| Te bestemmen resultaat | 9905 | €27k |
-
Bultiau Finance & Construct Consulting SRLRechtspersoonDirecteur· vast vert.: Jonathan BULTIAUStaatsblad-akte 25341268 (01-07-2025)Actief01-07-2025 → heden
-
KSR Invest SRLRechtspersoonDirecteur· vast vert.: Nicolas ANDREStaatsblad-akte 25341268 (01-07-2025)Actief01-07-2025 → heden
-
Actief01-07-2025 → heden
-
Lalooze SRLRechtspersoonDirecteur· vast vert.: Julien PIERREStaatsblad-akte 25341268 (01-07-2025)Actief01-07-2025 → heden
Voormalige bestuurders (1)
-
NAMECHE Olivier Thérèse PierreZaakvoerderStaatsblad-akte 22380795 (12-12-2022)Voormalig- → 12-12-2022
| NACE primair | Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen(66199) |
| Rechtsvorm | BV(610) |
| Oprichtingsdatum | 15-12-2006 |
| Status | Actief |
| Postcode | 1301 |
| Perceel (capakey) | Regio | Oppervlakte | Gebouwen | Hoogte / verd. |
|---|---|---|---|---|
| 25006D0014/00Y000 | Wallonië | 2.203 m² | 1 · 107 m² | 8,2 m · 2 verd. |
| 25084C0360/00E005 | Wallonië | 1.687 m² | 1 · 256 m² | 11,2 m · 3 verd. |
Wij kennen 8 Staatsblad-aktes van dit bedrijf. Daarvan is er nog geen enkele gelezen: wat erin staat, is hier niet vastgesteld en ook niet weerlegd.
01-07-2025 4 bestuurders benoemd
- LALOOZE, Directeur
- Nicolas ANDRE, Directeur
- Jonathan BULTIAU, Directeur
- Julien PIERRE, Directeur
Technische details
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}11-07-2024 Verplaatsing van de maatschappelijke zetel
Technische details
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}26-04-2024 Zetelverplaatsing van Perwez naar Bierges
- Chée de Wavre, 18 - 1360 Perwez → la Rue de Champles, 23 à 1301 Bierges
Technische details
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}12-12-2022 NAMECHE Olivier Thérèse Pierre neemt ontslag als zaakvoerder
- NAMECHE Olivier Thérèse Pierre, Zaakvoerder
Technische details
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}| Officiële naamFR | CREDITIS |