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CREDAL PLUS

Active
Avenue de Cîteaux 114 ·1348 Ottignies-Louvain-la-Neuve, Belgium
KBO/BCE: BE 0457.212.072
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Age30 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CREDAL PLUS is < 0.1% (very low). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 30 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 04-08-2025 4 d late 2025-00363107
31-12-2023 31-07-2024 19-07-2024 12 d early 2024-00269690
31-12-2022 31-07-2023 03-07-2023 28 d early 2023-00219742
31-12-2021 31-07-2022 16-08-2022 16 d late 2022-20303295
31-12-2020 31-07-2021 20-07-2021 11 d early 2021-37800558
31-12-2019 31-07-2020 26-06-2020 35 d early 2020-23500282
31-12-2018 31-07-2019 08-07-2019 23 d early 2019-30200565
31-12-2017 31-07-2018 16-07-2018 15 d early 2018-34500336
31-12-2016 31-07-2017 17-07-2017 14 d early 2017-34700442
31-12-2015 31-07-2016 12-07-2016 19 d early 2016-32500306

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Long-established
Founded in 1995, 30 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
< 0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form Lower-failure-rate sector Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Annual accounts & ratios

Source: NBB
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (volledig). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 volledig 04-08-2025 2025-00363107
31-12-2023 volledig 19-07-2024 2024-00269690
31-12-2022 volledig 03-07-2023 2023-00219742
31-12-2021 volledig 16-08-2022 2022-20303295
31-12-2020 volledig 20-07-2021 2021-37800558
31-12-2019 volledig 26-06-2020 2020-23500282
31-12-2018 volledig 08-07-2019 2019-30200565
31-12-2017 volledig 16-07-2018 2018-34500336
31-12-2016 volledig 17-07-2017 2017-34700442
31-12-2015 volledig 12-07-2016 2016-32500306

Directors

Directors & mandates

28 directors
Current directors & mandates
  • Elisabeth Limbioul
    Auditor
    State Gazette act 24079524 (24-05-2024)
    Current
    24-05-2024 → present
  • Mazars Réviseurs d'Entreprises SRLLegal entity
    Auditor
    State Gazette act 24079524 (24-05-2024)
    Current
    24-05-2024 → present
  • Charles-Antoine Leunen
    Director
    State Gazette act 23105512 (11-08-2023)
    Current
    11-08-2023 → present
  • Sophie CRAPEZ
    Director
    State Gazette act 21094346 (06-08-2021)
    Current
    22-08-2017 → present
    3 events
    • 06-08-2021 Appointed· Director
    • 13-08-2020 Appointed· Director
    • 22-08-2017 Appointed· Director
  • Olivier Gevart
    Président du conseil d'administration
    State Gazette act 24181984 (30-12-2024)
    Current
    05-10-2016 → present
    4 events
    • 30-12-2024 Appointed· Président du conseil d'administration
    • 05-01-2021 Appointed· Director
    • 05-01-2021 Appointed· Président du conseil d'administration
    • 05-10-2016 Appointed· Director
Historic, not recently confirmed (4)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Gregory Berthet
    Director
    State Gazette act 20093634 (13-08-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • Myriam Bodart
    Director
    State Gazette act 20093634 (13-08-2020)
    Not recently confirmed
    last confirmed in an act from 2020
    2 events
    • 13-08-2020 Appointed· Director
    • 05-09-2019 Appointed· Director
  • Céline Nieuwenhuis
    Director
    State Gazette act 19119376 (05-09-2019)
    Not recently confirmed
    last confirmed in an act from 2019
  • Véronique Flammmang
    Director
    State Gazette act 19119376 (05-09-2019)
    Not recently confirmed
    last confirmed in an act from 2019
Former directors (19)
  • Sébastien Fosseur
    Daily management delegate
    State Gazette act 23031131 (02-03-2023)
    Former
    05-01-2021 → 11-08-2023
    4 events
    • 11-08-2023 Resigned· Director
    • 02-03-2023 Resigned· Director
    • 02-03-2023 Appointed· Daily management delegate
    • 05-01-2021 Appointed· Director
  • Isabelle PHILIPPE
    Daily management delegate
    State Gazette act 21001099 (05-01-2021)
    Former
    05-10-2016 → 02-03-2023
    5 events
    • 02-03-2023 Resigned· Daily management delegate
    • 05-01-2021 Appointed· Daily management delegate
    • 21-11-2017 Appointed· Directrice générale
    • 22-08-2017 Resigned· Director
    • 05-10-2016 Appointed· Director
  • Céline Nieuwenhuys
    Director
    State Gazette act 20093634 (13-08-2020)
    Former
    13-08-2020 → 05-01-2021
    2 events
    • 05-01-2021 Resigned· Director
    • 13-08-2020 Appointed· Director
  • Dominique VERCRUYSSE
    Director
    State Gazette act 16137430 (05-10-2016)
    Former
    05-10-2016 → 05-01-2021
    3 events
    • 05-01-2021 Resigned· Director
    • 13-08-2020 Resigned· Director
    • 05-10-2016 Appointed· Director
  • Frédéric de Patoul
    Chair
    State Gazette act 20093634 (13-08-2020)
    Former
    05-10-2016 → 05-01-2021
    5 events
    • 05-01-2021 Resigned· Director
    • 13-08-2020 Appointed· Chair
    • 04-10-2018 Appointed· Director
    • 21-11-2017 Appointed· Chair
    • 05-10-2016 Appointed· Director
14 further former directors in the mandate history. Available in Kantoor S. See plans →
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Statutory auditor

2 auditors
Statutory auditor IRE/IBR number Tenure
Christophe REMON
Commissaire
succeeded by MAZARS réviseurs d'entreprise SC SCRL in 2020
- 22-08-2017 → 13-08-2020
Show 1 earlier auditors
MAZARS réviseurs d'entreprise SC SCRL
Commissaire aux comptes
- 13-08-2020 → 13-08-2020
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Non-profit association(017)
Incorporation12-10-1995
StatusActive
Postal code1348

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Avenue de Cîteaux 1141348 Ottignies-Louvain-la-Neuve

Establishment units

5 locations
Crédal Plus asbl – Antenne de Charleroi
Rue de Monceau Fontaine 42, 6031 CharleroiOverige adviesbureaus op het gebied van bedrijfsvoering en beheer
since 20042.226.159.797
OSIRIS - CREDAL PLUS
Avenue de Cîteaux 114, 1348 Mont-Saint-GuibertOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
since 20082.198.099.182
Crédal Plus asbl – Antenne de Bruxelles
Aalststraat 7, 1000 BrusselOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
since 20092.226.159.995
CREDAL PLUS - Antenne de Namur
Rue du Lombard 2, 5000 NamurOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
since 20132.226.159.106
CREDAL PLUS - Antenne de Liège
Rue de Steppes 24, 4000 LiègeOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
since 20142.226.159.502
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels5
Ground area2.1 ha
Buildings5
Building footprint3,896 m²
Volume (LiDAR)36,387 m³
Tallest building20.7 m · ±6 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 4 (80%) Brussels 1 (20%)
Parcel (capakey) Region Area Buildings Height / fl.
52047B0063/00V000 Wallonia 1.3 ha 1 · 655 m² -
62810B0168/00S004 Wallonia 2,934 m² 1 · 984 m² 8.5 m · 2 fl.
21811M0166/00D000
ProtectedMonumentVoormalige opslagplaatsen van de Grands Magasins de la BourseSource ↗
Brussels 2,302 m² 1 · 1,952 m² 19.6 m · 5 fl.
25385B0003/05A000 Wallonia 1,690 m² 1 · 85 m² -
92094C0574/00L000 Wallonia 223 m² 1 · 221 m² 20.7 m · 6 fl.
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

16 acts
Address history · 2
16-04-2024
Registered-office move
07-05-2018
Registered-office move
All acts · 16 updated 1 year ago
2024
30-12-2024 Olivier Gevart appointed as président du conseil d'administration Director changes
  • Olivier Gevart, Président du conseil d'administration
Summary: v3.2
24-05-2024 2 directors appointed Director changes
  • Mazars Réviseurs d'Entreprises SRL, Auditor
  • Elisabeth Limbioul, Auditor
Summary: v3.2
16-04-2024 Registered office moved within Louvain-La-Neuve Registered-office change·Olivier Gevart
  • Avenue de Citeaux 144à-1348-Louvain-La-Neuye- → 114 Avenue de Citeaux, 1348 Louvain-La-Neuve
Notary: Olivier Gevart · Louvain-La-Neuve
2023
11-08-2023 1 director appointed, 1 resigning Director changes
  • Charles-Antoine Leunen, Bestuurder
  • Sébastien Fosseur, Bestuurder
Summary: v3.2
02-03-2023 1 director appointed, 2 resigning Director changes
  • Sébastien Fosseur, Dagelijks bestuur
  • Sébastien Fosseur, Bestuurder
  • Isabelle Philippe, Dagelijks bestuur
Summary: v3.2
2021
06-08-2021 Sophie CRAPEZ appointed as director Director changes
  • Sophie CRAPEZ, Bestuurder
Summary: v3.2
05-01-2021 4 directors appointed, 6 resigning Director changes
  • Sébastien Fosseur, Bestuurder
  • Olivier Gevart, Bestuurder
  • Olivier Gevart, Président du conseil d'administration
  • Isabelle PHILIPPE, Dagelijks bestuur
  • Frédéric DE PATOUL, Bestuurder
  • Grégory BERTHET, Bestuurder
  • Jean-Pierre GOOR, Bestuurder
  • Dominique VERCRUYSSE, Bestuurder
Summary: v3.2
2020
13-08-2020 8 directors appointed, 1 resigning Director changes
  • Frédéric de Patoul, Voorzitter
  • Jean-Pierre Goor, Bestuurder
  • Gregory Berthet, Bestuurder
  • Sophie Crapez, Bestuurder
  • Véronique Flammang, Bestuurder
  • Myriam Bodart, Bestuurder
  • Céline Nieuwenhuys, Bestuurder
  • MAZARS réviseurs d'entreprise SC SCRL, Commissaire aux comptes
Summary: v3.2
2019
05-09-2019 4 directors appointed, 1 resigning Director changes
  • Myriam Bodart, Bestuurder
  • Véronique Flammmang, Bestuurder
  • Céline Nieuwenhuis, Bestuurder
  • Grégory Berthet, Bestuurder
  • Françoise Robert, Bestuurder
Summary: v3.2
2018
04-10-2018 1 director appointed, 3 resigning Director changes
  • Frédéric de Patoul, Bestuurder
  • Louis Devaux, Bestuurder
  • Olivier Gevaert, Bestuurder
  • Lysiane de Selys, Bestuurder
Summary: v3.2
07-05-2018 Registered office moved from Louvain-la-Neuve to Mont-Saint-Guibert Registered-office change·Jean-Pierre Goor
  • Place de l'Université, 16 1348 Louvain-la-Neuve → 15A de la rue du Bosquet à 1435 Mont-Saint-Guibert
Notary: Jean-Pierre Goor · Louvain-la-Neuve
2017
21-11-2017 2 directors appointed Director changes
  • Isabelle PHILIPPE, Directrice générale
  • Frédéric DE PATOUL, Voorzitter
Summary: v3.2
22-08-2017 4 directors appointed, 2 resigning Director changes
  • Jean-Pierre Goor, Bestuurder
  • Sophie Crapez, Bestuurder
  • Louis Devaux, Bestuurder
  • Christophe REMON, Commissaire
  • Isabelle Philippe, Bestuurder
  • Olivier Kahn, Bestuurder
Summary: v3.2
2016
05-10-2016 8 directors appointed, 2 resigning Director changes
  • Frédéric DE PATOUL, Bestuurder
  • Grégory BERTHET, Bestuurder
  • Dominique VERCRUYSSE, Bestuurder
  • Lysiane DE SELYS, Bestuurder
  • Olivier GEVART, Bestuurder
  • Isabelle PHILIPPE, Bestuurder
  • Françoise ROBERT, Bestuurder
  • Olivier Kahn, Bestuurder
Summary: v3.2
30-03-2016 Articles of association amended Statutes amendment
2003
10-11-2003 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: Officer designation

Analysis

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142
Primary activity highlighted.
Names & trade names
Legal nameFR CREDAL PLUS
AbbreviationFR CREDAL PLUS
Registered office
Avenue de Cîteaux 114
1348 Ottignies-Louvain-la-Neuve, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.