Credeb
ActiveSummary
Credeb has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €44k. Its solvency ranks better than 63% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency94
Growth-
Track record67
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 3.13; short-term debt: 31% and cash: 87% of total assets), and 31.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.8%
Return on assets
61.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
21 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€49k
Total assets
€71k
Net result
€44k
Working capital
€47k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €71k
Fixed assets
€2k
Current assets
€69k
Equity and liabilities €71k
Equity
€49k
Debt
€22k
Debt finances 31.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€56k
Cash flow
€44k
Current ratio
3.13
Debt to equity
0.45
ROE
89.7%
ROA
61.7%
Interest coverage
1512.39
Debt ≤ 1 year
€22k
Income taxes
€12k
Filed annual accounts As filed with the NBB · 2025 · 35 lines
Balance sheet
Code2025
Assets
Total assets20/58€71k
Fixed assets21/28€2k
Tangible fixed assets22/27€2k
Furniture and vehicles24€2k
Current assets29/58€69k
Amounts receivable within one year40/41€4k
Trade receivables40€183
Other amounts receivable41€4k
Cash at bank and in hand54/58€62k
Deferred charges and accrued income490/1€3k
Equity and liabilities
Total equity and liabilities10/49€71k
Equity10/15€49k
Contributions10/11€5k
Profit (loss) carried forward14€44k
Amounts payable17/49€22k
Amounts payable within one year42/48€22k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€19k
Taxes450/3€19k
Remuneration and social security454/9€7
Accrued charges and deferred income492/3€160
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€142
Other operating charges640/8€144
Gross operating margin9900€56k
Operating profit (loss)9901€56k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€37
Recurring financial charges65€37
Profit (loss) for the period before taxes9903€56k
Income taxes67/77€12k
Profit (loss) for the period9904€44k
Profit (loss) for the period to be appropriated9905€44k
Appropriation of the result
Profit (loss) to be appropriated9906€44k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €142 |
| Other operating charges640/8 | €144 |
| Gross operating margin9900 | €56k |
| Operating profit (loss)9901 | €56k |
| Financial income75/76B | €0 |
| Recurring financial income75 | €0 |
| Financial charges65/66B | €37 |
| Recurring financial charges65 | €37 |
| Profit (loss) for the period before taxes9903 | €56k |
| Income taxes67/77 | €12k |
| Profit (loss) for the period9904 | €44k |
| Profit (loss) for the period to be appropriated9905 | €44k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €71k | |
| Fixed assets21/28 | €2k | |
| Tangible fixed assets22/27 | €2k | |
| Furniture and vehicles24 | €2k | |
| Current assets29/58 | €69k | |
| Amounts receivable within one year40/41 | €4k | |
| Trade receivables40 | €183 | |
| Other amounts receivable41 | €4k | |
| Cash at bank and in hand54/58 | €62k | |
| Deferred charges and accrued income490/1 | €3k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €71k | |
| Equity10/15 | €49k | |
| Contributions10/11 | €5k | |
| Profit (loss) carried forward14 | €44k | |
| Amounts payable17/49 | €22k | |
| Amounts payable within one year42/48 | €22k | |
| Trade debts44 | €3k | |
| Suppliers440/4 | €3k | |
| Taxes, remuneration and social security45 | €19k | |
| Taxes450/3 | €19k | |
| Remuneration and social security454/9 | €7 | |
| Accrued charges and deferred income492/3 | €160 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €44k |
| + Depreciation and write-downs630 | €142 |
| Operating cash flow (approximation) | €44k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2025
Ground area
1.4 ha
Building footprint
600 m²
Volume, LiDAR
4,650 m³
Parcel 44808H0750/00S000, Flanders · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
Credeb
since 20252.369.175.411
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0750/00S000 | Flanders | 1.4 ha | 1 · 600 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 38,055 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64999Other financial services
Scores and ratios are computed by Checked and are not a credit decision.