CREDAFIN
ActiveCREDAFIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €84k and a net result of €757. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 93 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
33 d early
2022
23 d early
2021
62 d early
2020
45 d early
2019
26 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€84k▲ 0.9%
2023 · €84k
2018: €85k
2019: €22k
2020: €34k
2021: €24k
2022: €81k
2023: €84k
2018 → 2024
Net result
€757▼ 73.8%
2023 · €3k
2018: €59k
2019: €-63k
2020: €12k
2021: €-9k
2022: €57k
2023: €3k
2018 → 2024
Total assets
€113k▼ 37.3%
2023 · €181k
2018: €117k
2019: €82k
2020: €55k
2021: €75k
2022: €138k
2023: €181k
2018 → 2024
Solvency
74.6%▲ 28.3pp
2023 · 46.3%
2018: 72.1%
2019: 26.5%
2020: 61.1%
2021: 32.5%
2022: 58.4%
2023: 46.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€34k-€24k▼ 27.7%€81k▲ 233%€84k▲ 3.6%€84k▲ 0.9%
Operating result€12k-€-9k€60k€5k▼ 91.0%€4k▼ 30.5%
Net result€12k-€-9k€57k€3k▼ 94.9%€757▼ 73.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 30% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €113k
Fixed assets
€2k▲ 200%
Current assets
€111k▼ 38.4%
Equity and liabilities €113k
Equity
€84k▲ 0.9%
Debt
€29k▼ 70.3%
The debt ratio falls from 53.7% to 25.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
74.6%▲
2023 · 46.3%
ROE
0.9%▼
2023 · 3.4%
ROA
0.7%▼
2023 · 1.6%
Debt
€29k▼
2023 · €97k
Debt ≤ 1 year
€29k▼
2023 · €37k
Income taxes
€2k▼
2023 · €2k
Staff costs
€35k▲
2023 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€181k€113k▼
Fixed assets21/28€811€2k▲
Tangible fixed assets22/27€721€2k▲
Furniture and vehicles24€721€2k▲
Financial fixed assets28€90€90=
Current assets29/58€180k€111k▼
Amounts receivable within one year40/41€28k€53k▲
Trade receivables40€28k€36k▲
Other amounts receivable41-€17k
Cash at bank and in hand54/58€70k€20k▼
Deferred charges and accrued income490/1€82k€38k▼
Equity and liabilities
Total equity and liabilities10/49€181k€113k▼
Equity10/15€84k€84k▲
Contributions10/11€13k€13k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€69k€70k▲
Amounts payable17/49€97k€29k▼
Amounts payable within one year42/48€37k€29k▼
Trade debts44€18k€14k▼
Suppliers440/4€18k€14k▼
Taxes, remuneration and social security45€19k€15k▼
Taxes450/3€9k€8k▼
Remuneration and social security454/9€10k€7k▼
Other amounts payable47/48€520€45▼
Accrued charges and deferred income492/3€60k€36▼
Income statement
Code20232024
Remuneration, social security and pensions62€32k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€782▼
Other operating charges640/8€487€1k▲
Gross operating margin9900€39k€41k▲
Operating profit (loss)9901€5k€4k▼
Financial income75/76B€236€19▼
Recurring financial income75€236€19▼
Financial charges65/66B€296€606▲
Recurring financial charges65€296€314▲
Non-recurring financial charges66B-€293
Profit (loss) for the period before taxes9903€5k€3k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€3k€757▼
Profit (loss) for the period to be appropriated9905€3k€757▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€70k▲
Profit (loss) brought forward from the previous period14P€66k€69k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 4.87
Current ratio from 2.37 to 4.87; short-term debt falls from €58k to €37k.
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €57k
Net result €57k after one loss-making year.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet €-63k ▼207%
Net result drops to €-63k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Verviers · 2 establishment units since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Mariomont 214801 VerviersGround area
2,927 m²
Building footprint
120 m²
Volume, LiDAR
750 m³
2 parcels, Brussels, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Credafin
since 20162.258.628.865
Credafin
since 20172.264.203.494
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63074B0652/00K000 | Wallonia | 2,522 m² | 1 · 120 m² | 8.2 m · 2 fl. |
| 21005A0420/00K010 | Brussels | 405 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 95 companies in sector 65112 we hold annual accounts for 53. 42 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2016
Fiscal year end31-12
Activities, NACEBEL
65112Insurance, reinsurance and pension funding, except compulsory social security
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477/137.717