Summary
CREDI CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €497,951 and a net result of €606,745. Equity is growing by ~58.4% per year across the filed fiscal years. Its solvency ranks better than 30% of 1501 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
30 d late
2022
3 d late
2021
31 d late
2020
16 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 16 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 29 November (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 company by total assets in Blankenberge, Finance and insurance sector#7 oldest company in Blankenberge, Finance and insurance sector
Equity
€497,951▲ 33.1%
2024 · €374,106
Net result
€606,745▲ 65.9%
2024 · €365,773
Total assets
€2.4m▲ 47.7%
2024 · €1.6m
Solvency
21.2%▼ 2.3pp
2024 · 23.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€312,067▲ 153%€324,089▲ 3.9%€549,088▲ 69.4%€497,916▼ 9.3%€828,367▲ 66.4%
Net result€231,190above the sector's middle half▲ 194%€226,859above the sector's middle half▼ 1.9%€379,800above the sector's middle half▲ 67.4%€365,773above the sector's middle half▼ 3.7%€606,745above the sector's middle half▲ 65.9%
Equity€156,902within the sector's middle half▲ 281%€125,360within the sector's middle half▼ 20.1%€177,960within the sector's middle half▲ 42.0%€374,106within the sector's middle half▲ 110%€497,951within the sector's middle half▲ 33.1%
Total assets€1.0mwithin the sector's middle half▲ 80.5%€1.4mwithin the sector's middle half▲ 37.3%€1.5mwithin the sector's middle half▲ 4.6%€1.6mwithin the sector's middle half▲ 8.2%€2.4mabove the sector's middle half▲ 47.7%
Debt€867,587▲ 64.8%€1.3m▲ 47.7%€1.3m▲ 1.0%€1.2m▼ 5.8%€1.9m▲ 52.2%
Working capital€354,644above the sector's middle half€668,023above the sector's middle half▲ 88.4%€648,605above the sector's middle half▼ 2.9%€828,210above the sector's middle half▲ 27.7%€1.1mabove the sector's middle half▲ 36.2%
Solvency15.3%below the sector's middle half▲ 8.1pp8.9%below the sector's middle half▼ 6.4pp12.1%below the sector's middle half▲ 3.2pp23.5%within the sector's middle half▲ 11.4pp21.2%within the sector's middle half▼ 2.3pp
Current ratio1.99within the sector's middle half▲ 1.292.40within the sector's middle half▲ 0.412.19within the sector's middle half▼ 0.213.25above the sector's middle half▲ 1.062.51within the sector's middle half▼ 0.74
Return on assets (ROA)22.6%above the sector's middle half▲ 8.7pp16.1%within the sector's middle half▼ 6.4pp25.8%above the sector's middle half▲ 9.7pp23.0%above the sector's middle half▼ 2.8pp25.8%above the sector's middle half▲ 2.8pp
Staff (FTE)4within the sector's middle half▲ 14.3%3.6within the sector's middle half▼ 10.0%5.9within the sector's middle half▲ 63.9%4.9within the sector's middle half▼ 16.9%6within the sector's middle half▲ 22.4%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 66% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.4m
Fixed assets
€478,053 ▲ 20.8%
Current assets
€1.9m ▲ 56.6%
Equity and liabilities €2.4m
Equity
€497,951 ▲ 33.1%
Debt
€1.9m ▲ 52.2%
Debt's share of the balance-sheet total rises from 76.5% to 78.8%. Equity and debt are higher.
Key figures and ratios
ROE
121.8%▲
2024 · 97.8%
Debt ≤ 1 year
€745,852▲
2024 · €368,104
Debt > 1 year
€259,968▲
2024 · €226,687
Income taxes
€206,059▲
2024 · €124,634
Staff costs
€392,289▲
2024 · €312,529
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €196,387 | €331,446 | €312,529 | €392,289 | ▲ 25.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,269 | €49,637 | €55,302 | €78,098 | €81,929 | ▲ 4.9% |
| Other operating charges640/8 | - | €1,858 | €2,052 | €3,635 | €3,103 | ▼ 14.6% |
| Gross operating margin9900 | €543,080 | €571,972 | €937,888 | €892,179 | €1.3m | ▲ 46.3% |
| Operating profit (loss)9901 | €312,067 | €324,089 | €549,088 | €497,916 | €828,367 | ▲ 66.4% |
| Financial income75/76B | - | €40 | €2 | €154 | €265 | ▲ 72.0% |
| Recurring financial income75 | €8 | €40 | €2 | €154 | €265 | ▲ 72.0% |
| Financial charges65/66B | - | €3,192 | €4,174 | €7,663 | €15,828 | ▲ 107% |
| Recurring financial charges65 | €4,322 | €3,192 | €4,174 | €7,663 | €15,828 | ▲ 107% |
| Profit (loss) for the period before taxes9903 | €307,003 | €320,937 | €544,916 | €490,408 | €812,804 | ▲ 65.7% |
| Income taxes67/77 | €75,813 | €94,079 | €165,116 | €124,634 | €206,059 | ▲ 65.3% |
| Profit (loss) for the period9904 | €231,190 | €226,859 | €379,800 | €365,773 | €606,745 | ▲ 65.9% |
| Profit (loss) for the period to be appropriated9905 | €231,190 | €226,859 | €379,800 | €365,773 | €606,745 | ▲ 65.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.0m | €1.4m | €1.5m | €1.6m | €2.4m | ▲ 47.7% |
| Fixed assets21/28 | €311,838 | €262,200 | €277,007 | €395,680 | €478,053 | ▲ 20.8% |
| Intangible fixed assets21 | - | - | €10,797 | €8,397 | €5,997 | ▼ 28.6% |
| Tangible fixed assets22/27 | €300,938 | €251,300 | €259,310 | €365,384 | €442,956 | ▲ 21.2% |
| Land and buildings22 | - | €191,390 | €176,143 | €288,828 | €361,405 | ▲ 25.1% |
| Plant, machinery and equipment23 | - | €25,082 | €18,379 | €17,993 | €27,767 | ▲ 54.3% |
| Furniture and vehicles24 | - | €34,829 | €64,788 | €58,563 | €53,785 | ▼ 8.2% |
| Financial fixed assets28 | €10,900 | €10,900 | €6,900 | €21,900 | €29,100 | ▲ 32.9% |
| Current assets29/58 | €712,651 | €1.1m | €1.2m | €1.2m | €1.9m | ▲ 56.6% |
| Amounts receivable within one year40/41 | €636,579 | €1.1m | €1.2m | €1.1m | €1.7m | ▲ 56.3% |
| Trade receivables40 | - | €1.1m | €1.2m | €1.1m | €1.7m | ▲ 56.8% |
| Other amounts receivable41 | - | €2,898 | €2,898 | €9,393 | €8,984 | ▼ 4.4% |
| Cash at bank and in hand54/58 | €70,154 | €44,485 | €27,463 | €69,599 | €116,503 | ▲ 67.4% |
| Deferred charges and accrued income490/1 | - | €13,789 | €3,391 | €11,246 | €13,603 | ▲ 21.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.0m | €1.4m | €1.5m | €1.6m | €2.4m | ▲ 47.7% |
| Equity10/15 | €156,902 | €125,360 | €177,960 | €374,106 | €497,951 | ▲ 33.1% |
| Contributions10/11 | €30,000 | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Capital10 | - | €30,000 | €30,000 | - | - | - |
| Issued capital100 | - | €30,000 | €30,000 | - | - | - |
| Reserves13 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Non-distributable reserves130/1 | - | €3,000 | €3,000 | - | - | - |
| Legal reserve130 | - | €3,000 | €3,000 | - | - | - |
| Distributable reserves133 | - | - | - | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €123,902 | €92,360 | €144,960 | €341,106 | €464,951 | ▲ 36.3% |
| Amounts payable17/49 | €867,587 | €1.3m | €1.3m | €1.2m | €1.9m | ▲ 52.2% |
| Amounts payable after more than one year17 | €177,859 | €156,163 | €174,598 | €226,687 | €259,968 | ▲ 14.7% |
| Financial debts170/4 | - | €156,163 | €174,598 | €226,687 | €259,968 | ▲ 14.7% |
| Amounts payable within one year42/48 | €358,007 | €476,201 | €545,725 | €368,104 | €745,852 | ▲ 103% |
| Current portion of amounts payable after more than one year42 | - | €63,307 | €73,454 | €115,448 | €88,097 | ▼ 23.7% |
| Trade debts44 | €101,096 | €75,787 | €8,551 | €24,314 | €17,396 | ▼ 28.5% |
| Suppliers440/4 | - | €75,787 | €8,551 | €24,314 | €17,396 | ▼ 28.5% |
| Taxes, remuneration and social security45 | - | €47,992 | €103,991 | €26,500 | €126,744 | ▲ 378% |
| Taxes450/3 | - | €35,658 | €67,702 | - | €55,980 | - |
| Remuneration and social security454/9 | - | €12,334 | €36,288 | €26,500 | €70,764 | ▲ 167% |
| Other amounts payable47/48 | - | €289,115 | €359,730 | €201,842 | €513,615 | ▲ 154% |
| Accrued charges and deferred income492/3 | - | €648,699 | €573,053 | €623,097 | €848,092 | ▲ 36.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €231,190 | €226,859 | €379,800 | €365,773 | €606,745 | ▲ 65.9% |
| + Depreciation and write-downs630 | €53,269 | €49,637 | €55,302 | €78,098 | €81,929 | ▲ 4.9% |
| Operating cash flow (approximation) | €284,459 | €276,496 | €435,102 | €443,872 | €688,674 | ▲ 55.2% |
| Investment in fixed assets (approximation) | - | €0 | -€70,108 | -€196,772 | -€164,302 | ▲ 16.5% |
| Change in cash | - | -€25,668 | -€17,023 | €42,136 | €46,904 | ▲ 11.3% |
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
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €606,745 ▲65.9%
Operating result €828,367, net result €606,745, both a record.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
31-03
Financial
Equity above €200,000Eq €374,106 ▲110%
6 profitable years in a row build equity to €374,106.
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
31-03
Financial
Equity above €150,000Eq €177,960 ▲42%
5 profitable years in a row build equity to €177,960.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2021
01-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
31-03
Financial
Liquidity triplescurrent ratio 1.99
Current ratio from 0.70 to 1.99.
31-03
Financial
Equity above €150,000Eq €156,902 ▲281%
3 profitable years in a row build equity to €156,902.
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 16 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Blankenberge · 5 establishment units since 2007
Ground area
3,118 m²
Building footprint
1,854 m²
Volume, LiDAR
18,606 m³
5 parcels, Flanders · tallest building 21.3 m, ±5 floors. Linked by address, not a title deed.
5 establishment units
hypotheek.winkel Blankenberge
since 20072.228.458.994
hypotheek.winkel Brugge
since 20152.242.728.981
hypotheek.winkel Torhout
since 20162.254.392.242
hpotheek.winkel Oostkamp
since 20182.282.647.154
Hypotheek.winkel Veurne
since 20252.370.808.870
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025A0498/00P000 | Flanders | 1,881 m² | 1 · 1,130 m² | 21.3 m · 5 fl. |
| 31403H0739/00H003 | Flanders | 510 m² | 1 · 193 m² | 17.6 m · 4 fl. |
| 31602B0046/00W000indicative | Flanders | 318 m² | 1 · 183 m² | - |
| 31808M0438/00A015 | Flanders | 239 m² | 1 · 177 m² | 12.2 m · 1 fl. |
| 31033K0539/00R002 | Flanders | 169 m² | 1 · 171 m² | 12.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
4 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: expect extra rules on renovation or sale.
Structure & network
Owners and holdings
1 ownerOwners 1
-
33%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 90 EUR awarded · 90 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 90 EUR | 90 EUR |
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,596 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
Founded08-06-2007
Fiscal year end31-03
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0889937584
Also
9925:BE0889937584
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.