Result
€286,080 ▲ 286%
The result rose in 2025 from €74,027 to €286,080.
CREDIEM
Lifetime
2 annual accounts with figures on one time axispeak €308,165 (2025)
€308,165▲ 274%
peak €286,080 (2025)
€286,080▲ 286%
peak €12,107 (2025)
€12,107▲ 101%
€282,161▲ 214%
Board2 names since 2023
2 directors and 1 other
Documentsfilings and deeds
05-01-202626 days before the deadline
2025micro format
Gross margin from €82,474 to €308,165Result from €74,027 to €286,080Equity from €6,027 to €12,107Debts from €90,000 to €282,161Cash from €10,341 to €204,543
Key points
from the 2025 annual accountsTurnover
≈ €430,000 estimated
The micro format states no turnover.
Debts
€282,161 96% of the balance sheet
Liquidity
0.85 was 0.28 in 2024
Short-term debts rose from €90,000 to €282,161.
Starting capital
€2,000 1,000 shares
Position in the sector
4.1%
Lower solvency than 88% of companies in financial services. Sector median 51.2% · 10,285 companies.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
Board and ownership
Managing director,
Managing director,
- score equity €147,280 (2025) · deed of 16-03-2023
- score equity €30,284 (2025) · deed of 16-03-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0799512404
Amendment of the articles
“L'activité d'agent pour toutes opérations d'intermédiation en services bancaires et de placement dans le sens…” (deed in French) · Gazette deed
Company renamed from CREDIOME to CREDIEM
Gazette deed
First establishment
Pont du Chêne 17, Verviers
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CREDIEM Verviers | €294,268 | €0.3m | 4.1% | - |
| CJ FINANCES Bastogne | €197,628 | €0.2m | 15.4% | - |
| JHJ FINANCES Dinant | €268,585 | €0.2m | -12.5% | - |
| JODI Consult Antwerp | €160,169 | €0.2m | 71.5% | - |
| FIN-INSURE W Willebroek | €218,693 | €0.2m | 37.7% | - |
| BASSE MEUSE FINANCES INVEST Visé | €248,640 | €1.1m | 23.0% | 12.5 |
| Lesco finance Buggenhout | €366,776 | €0.7m | 39.6% | 8.2 |
These companies have the same main activity as CREDIEM: financial service activities, except insurance and pension funding (NACE 64190). They are comparable in size and age: total assets between €160,000 and €367,000, founded between 2019 and 2024.
Official details
Source: KBO- Status
- Active since 14-03-2023Normal situation
- Activity
- Financial service activities, except insurance and pension fundingNACE 64190and 1 other
- Establishment unit
- 2.345.208.3924800 Verviers, since 01-07-2023
- Financial year end
- 30 June
- Peppol
- Reachable since 25-11-2025
Annual accounts to 30-06-2025
- €294,268▲ 206%
- Filing
- Filed on 05-01-2026, 26 days before the end of the filing period
Insights on CREDIEM
CREDIEM 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 €12,107 and a net result of €286,080.
Its solvency ranks better than 11% of 10,285 sector peers (NACE 64, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CREDIEM
- What is the company number of CREDIEM?
- The company number of CREDIEM is 0799.512.404. The VAT number is the same number with BE in front: BE 0799.512.404.
- Where is CREDIEM based?
- The registered office is at Pont du Chêne 17, 4800 Verviers.Company details
- What does CREDIEM do?
- According to the KBO register, the main activity is financial service activities, except insurance and pension funding (NACE 64190).
- What is the legal form of CREDIEM?
- CREDIEM is a private limited company (BV).
- When was CREDIEM founded?
- CREDIEM was founded on 14-03-2023.
- Is CREDIEM still active?
- Yes, CREDIEM is an active enterprise in the KBO register.
- What is the turnover of CREDIEM?
- The turnover in financial year 2025 is ≈ €430,000. This figure is estimated from the gross margin of €308,165 and 40 comparable companies (NACE 64). It probably lies between €340,000 and €710,000.Financials
- Is CREDIEM profitable?
- In financial year 2025, CREDIEM made a profit of €286,080.
- Where can I find the annual accounts of CREDIEM?
- CREDIEM filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CREDIEM due?
- CREDIEM must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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