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 €12k and a net result of €286k. Its solvency ranks better than 13% of 1207 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €12k |
| Net result | €286k |
| Better than sector | 13% |
| Active | 3 yrs |
Mixed profile: strong on profitability, weaker on health.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 4.1% | 47.3% | |
| Net result | €286k | €43k | |
| Equity | €12k | €84k | |
| Gross operating margin | €308k | €70k | |
| Total assets | €294k | €211k |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €286k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €294k |
| Equity | €12k |
| Debt | €282k |
| of which ≤ 1y | €282k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 4.1% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 97.2% |
| ROE | 2362.9% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €294k |
| Fixed assets | 21/28 | €55k |
| Tangible fixed assets | 22/27 | €55k |
| Current assets | 29/58 | €240k |
| Cash & bank | 54/58 | €205k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €294k |
| Equity | 10/15 | €12k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €10k |
| Amounts payable | 17/49 | €282k |
| Amounts payable within one year | 42/48 | €282k |
| Income statement | ||
| Gross operating margin | 9900 | €308k |
| Operating result | 9901 | €288k |
| Financial charges | 65 | €107 |
| Result before taxes | 9903 | €288k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €286k |
| Result to be appropriated | 9905 | €286k |
| NACE primary | Financial services(64190) |
| Legal form | Private limited company(610) |
| Incorporation | 14-03-2023 |
| Status | Active |
| Postal code | 4800 |
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079A1408/00A009 | Wallonia | 154 m² | 1 · 64 m² | 13.1 m · 4 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
17-06-2024 Articles of association amended, translation of the articles, coordination of the articles and amendment of specific articles
Technical details
{
"notary": {
"name": "Audrey BROUN",
"firm_city": null,
"firm_name": null,
"office_city": "Dison",
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2024-06-17",
"filing_date": "2024-06-13",
"act_kind_objet": "DIVERS, STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS)"
},
"decision": {
"body": "notarieel_alleen",
"act_date": "2024-06-06",
"unanimous": null
},
"statute_change": {
"kinds": [
"translation",
"coordination",
"targeted_amendment"
],
"scope": "translation_only",
"trigger": "wvv_adaptation",
"language_after": "nl",
"language_before": "fr"
},
"bedrijfsrevisor": null,
"subject_company": {
"kbo": "0799.512.404",
"name_full_after": "CREDIEM",
"legal_form_after": "Soci\u00E9t\u00E9 \u00E0 responsabilit\u00E9 limit\u00E9e",
"name_full_before": "CREDIEM",
"current_zetel_raw": "Pont du Ch\u00EAne 17 : 4800 Verviers",
"legal_form_before": "Soci\u00E9t\u00E9 \u00E0 responsabilit\u00E9 limit\u00E9e"
},
"special_mandates": [],
"articles_modified": [
{
"summary": "L\u0027article 3 des statuts a \u00E9t\u00E9 coordonn\u00E9 pour refl\u00E9ter l\u0027objet de la soci\u00E9t\u00E9 adapt\u00E9, incluant des activit\u00E9s d\u0027interm\u00E9diation bancaire et d\u0027assurance.",
"new_text": "La soci\u00E9t\u00E9 a pour objet, tant en Belgique qu\u0027\u00E0 l\u0027\u00E9tranger, pour compte propre ou pour compte de tiers et/ou en participation avec ceux-ci, les activit\u00E9s commerciales, industrielles, artisanales, et la prestation de tous services ayant trait aux domaines suivants : A) L\u0027activit\u00E9 d\u0027agent pour toutes op\u00E9rations d\u0027interm\u00E9diation en services bancaires et de placement dans le sens de la l\u00E9gislation et d",
"change_kind": "restated",
"article_title": null,
"article_number": "3"
}
],
"governance_change": null,
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Audrey BROUN",
"org_rep_person_name": null
},
"co_filed_documents": [
"une exp\u00E9dition du proc\u00E8s-verbal",
"les statuts coordonn\u00E9s"
],
"shareholder_rights": null,
"voorwerp_change_summary": "L\u0027objet de la soci\u00E9t\u00E9 a \u00E9t\u00E9 adapt\u00E9 pour inclure des activit\u00E9s d\u0027interm\u00E9diation en services bancaires, de placement, d\u0027assurance et d\u0027investissement, ainsi que toutes op\u00E9rations civiles ou commerciales susceptibles de faciliter son d\u00E9veloppement.",
"capital_structure_change": null,
"coordinated_text_lineage": null
}17-01-2024 Registered office moved from Liège to Verviers
- Allée Bietlîmé 2 : 4000 Liège → 4800 Verviers, Pont du Chêne,
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "4800 Verviers, Pont du Ch\u00EAne,",
"city": "Verviers",
"region": "waals_gewest",
"street": "Pont du Ch\u00EAne",
"country": "BE",
"postcode": "4800",
"box_number": null,
"street_number": null,
"locality_suffix": null
},
"old_address": {
"raw": "All\u00E9e Bietl\u00EEm\u00E9 2 : 4000 Li\u00E8ge",
"city": "Li\u00E8ge",
"region": "waals_gewest",
"street": null,
"country": "BE",
"postcode": "4000",
"box_number": null,
"street_number": null,
"locality_suffix": null
},
"effective_date": null,
"evidence_quote": "",
"region_changed": false,
"is_statute_change": true,
"nationality_change": false,
"old_address_source": "header_volledig_adres",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "not_specified",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": false,
"effective_date_is_approximate": null
}
],
"notary": {
"name": "Audrey BROUN",
"firm_city": null,
"firm_name": null,
"office_city": "Dison",
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2024-01-17",
"filing_date": "2024-01-15",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2024-01-10",
"unanimous": null
},
"subject_company": {
"kbo": "0799.512.404",
"name_full": "CREDIOME",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Audrey BROUN",
"org_rep_person_name": null,
"person_role_at_subject": "notaire"
},
"co_filed_documents": [
"une exp\u00E9dition du proc\u00E8s-verbal",
"les statuts coordonn\u00E9s"
]
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | CREDIEM |