CREDHYP
ActiveSummary
The computed 12-month bankruptcy probability of CREDHYP is 4.6% (elevated). For CREDHYP, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show negative equity (-€38,634) and a net result of -€116. Equity is growing by ~29.1% per year across the filed fiscal years. The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability15▲+15
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2022Age of the figures
Age of the figures
45 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline30-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 07-09-2026, 1134 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
1134 d late
2021
21 d late
2020
187 d late
2019
108 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 4 accounts on average 363 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2022, abbreviated schema
Turnover
€6,037
EBIT margin
-0.7%
Net result
-€116▲ 98.1%
2021 · -€6,211
Working capital
-€38,634▼ 0.3%
2021 · -€38,518
Trend over the years
In euros
In euros
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182019202020212022
Turnover€6,037
Operating result-€11,656-€16,066€33,038▲ 106%-€6,174-€40▲ 99.4%
Net result-€14,318-€12,804€32,346▲ 153%-€6,211-€116▲ 98.1%
EBIT margin-0.7%
Equity-€77,458--€64,654▲ 16.5%-€32,307▲ 50.0%-€38,518▼ 19.2%-€38,634▼ 0.3%
Total assets€7,516-€4,218▼ 43.9%€5,323▲ 26.2%€1,317▼ 75.3%€1,318▲ 0.1%
Debt€84,974-€68,872▼ 18.9%€37,631▼ 45.4%€39,835▲ 5.9%€39,952▲ 0.3%
Working capital-€73,704--€64,654▲ 12.3%-€32,307▲ 50.0%-€38,518▼ 19.2%-€38,634▼ 0.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €40 in 2022 against €6,174 in 2021; the loss shrinks.
Key figures and ratios
Debt ≤ 1 year
€39,952▲
2021 · €39,835
Ratios withheld: a balance sheet total of €1,318 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €6,037 | - |
| Non-recurring operating income76A | - | - | - | - | €2,400 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €8,129 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,661 | €330 | €0 | €0 | - | - |
| Other operating charges640/8 | - | - | - | €87 | €348 | ▲ 300% |
| Gross operating margin9900 | -€3,353 | €16,414 | €33,469 | -€6,088 | €307 | ▲ 105% |
| Operating profit (loss)9901 | -€11,656 | €16,066 | €33,038 | -€6,174 | -€40 | ▲ 99.4% |
| Recurring financial income75 | €0 | €1 | - | - | - | - |
| Financial charges65/66B | - | - | - | €36 | €76 | ▲ 111% |
| Recurring financial charges65 | €2,368 | €2,842 | €386 | €36 | €76 | ▲ 111% |
| Profit (loss) for the period before taxes9903 | -€14,023 | €13,224 | €32,653 | -€6,211 | -€116 | ▲ 98.1% |
| Income taxes67/77 | €294 | €420 | €306 | - | - | - |
| Profit (loss) for the period9904 | -€14,318 | €12,804 | €32,346 | -€6,211 | -€116 | ▲ 98.1% |
| Profit (loss) for the period to be appropriated9905 | -€14,318 | €12,804 | €32,346 | -€6,211 | -€116 | ▲ 98.1% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7,516 | €4,218 | €5,323 | €1,317 | €1,318 | ▲ 0.1% |
| Fixed assets21/28 | €330 | - | - | - | - | - |
| Intangible fixed assets21 | - | - | €0 | €0 | - | - |
| Tangible fixed assets22/27 | €330 | - | €0 | €0 | - | - |
| Current assets29/58 | €7,186 | €4,218 | €5,323 | €1,317 | €1,318 | ▲ 0.1% |
| Amounts receivable within one year40/41 | €5,869 | €2,852 | €2,400 | - | - | - |
| Cash at bank and in hand54/58 | €1,317 | €1,367 | €2,923 | €1,317 | €1,318 | ▲ 0.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7,516 | €4,218 | €5,323 | €1,317 | €1,318 | ▲ 0.1% |
| Equity10/15 | -€77,458 | -€64,654 | -€32,307 | -€38,518 | -€38,634 | ▼ 0.3% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | - | - | €18,600 | - | - |
| Issued capital100 | - | - | - | €18,600 | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | - | - |
| Legal reserve130 | - | - | - | €1,860 | - | - |
| Distributable reserves133 | - | - | - | - | €1,860 | - |
| Profit (loss) carried forward14 | -€97,918 | -€85,114 | -€52,767 | -€58,978 | -€59,094 | ▼ 0.2% |
| Amounts payable17/49 | €84,974 | €68,872 | €37,631 | €39,835 | €39,952 | ▲ 0.3% |
| Amounts payable after more than one year17 | €4,084 | - | - | - | - | - |
| Amounts payable within one year42/48 | €80,889 | €68,872 | €37,631 | €39,835 | €39,952 | ▲ 0.3% |
| Trade debts44 | €5,515 | €4,479 | €6,451 | €6,813 | €6,353 | ▼ 6.7% |
| Suppliers440/4 | - | - | - | €6,813 | €6,353 | ▼ 6.7% |
| Taxes, remuneration and social security45 | - | - | - | €13,463 | €11,886 | ▼ 11.7% |
| Taxes450/3 | - | - | - | €13,463 | €11,886 | ▼ 11.7% |
| Other amounts payable47/48 | - | - | - | €19,560 | €21,713 | ▲ 11.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€14,318 | €12,804 | €32,346 | -€6,211 | -€116 | ▲ 98.1% |
| + Depreciation and write-downs630 | €7,661 | €330 | €0 | €0 | - | - |
| Operating cash flow (approximation) | -€6,657 | €13,134 | €32,346 | -€6,211 | -€116 | ▲ 98.1% |
| Change in cash | - | €50 | €1,557 | -€1,606 | €1 | ▲ 100% |
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
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1134 days late
2022
21-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
03-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 187 days late
2020
31-12
Financial
Highest result since 2018net €32,346 ▲153%
Operating result €33,038, net result €32,346, both a record.
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
31-12
Financial
Back to profitnet €12,804
Net result €12,804 after one loss-making year.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
22-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 114 days late
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 45 days late
2016
30-05
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
06-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 6 days late
2014
10-09
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 41 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Tubize · 1 establishment unit since 2023
Ground area
1,601 m²
Building footprint
241 m²
2 parcels, Wallonia. Linked by address, not a title deed.
15
companies at this address
See who is registered here
1 establishment unit
ATAP.PARTNERS
since 20232.343.910.770
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52063C0260/00T010 | Wallonia | 1,396 m² | 1 · 138 m² | - |
| 25105A0121/00E000 | Wallonia | 205 m² | 1 · 103 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded24-01-2006
Fiscal year end31-12
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.