CREDIFORT
BankruptcySummary
The KBO register records for CREDIFORT the legal situation: open bankruptcy; this is today's state according to the register itself, which carries no start date. The 2022 annual accounts show equity of €278,744 and a net result of €22,677.
Are you a creditor?
Open bankruptcy
Source: KBO register
The KBO register records a bankruptcy for this company. If it owes you money, you are not paid automatically: you file your claim yourself.
The procedure
The publication of the judgment is not in our data. Court, date and curator are in RegSol: search by the enterprise number.
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
Deadlines: the judgment sets the last day to file your claim, by law at most thirty days after the judgment, and the day of the first verification report. Both dates are in the publication in the Official Gazette and in RegSol; Checked does not read them yet. A late claim is sometimes still possible, but not without consequences.
File a claim in RegSol ↗
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General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help. Full guide for creditors
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 06-07-2023, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
25 d early
2021
72 d early
2020
293 d late
2019
119 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 79 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Address check Are there other customers at risk in your own list?Debtor check How is the Non-specialised retail sale with food, beverages or tobacco predominating sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2022, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€22,677▲ 13.5%
2021 · €19,987
Working capital
€202,377▼ 1.2%
2021 · €204,926
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182019202020212022
Operating result-€7,145-€4,912-€4,008€14,599€33,902▲ 132%
Net result-€24,198-€4,845€110▼ 97.7%€19,987▲ 18,016%€22,677▲ 13.5%
Equity€231,098-€235,942▲ 2.1%€236,053=€256,040▲ 8.5%€278,744▲ 8.9%
Total assets€235,128-€241,103▲ 2.5%€251,284▲ 4.2%€298,947▲ 19.0%€568,965▲ 90.3%
Debt€1,131€15,232▲ 1,247%€42,907▲ 182%€290,221▲ 576%
Working capital€214,719€204,738▼ 4.6%€204,926▲ 0.1%€202,377▼ 1.2%
Staff (FTE)1.9
Result per fiscal year
Operating resultNet result
After the dip in 2020 the operating result has climbed two years in a row; 2022 is 132% above 2021 and is the highest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €568,965
Fixed assets
€76,367 ▲ 49.4%
Current assets
€492,598 ▲ 98.8%
Equity and liabilities €568,965
Equity
€278,744 ▲ 8.9%
Debt
€290,221 ▲ 576%
Debt's share of the balance-sheet total rises from 14.4% to 51.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37,399▲
2021 · €16,642
Cash flow
€26,173▲
2021 · €22,030
Current ratio
1.70▼
2021 · 5.78
Quick ratio
0.75▼
2021 · 5.78
Debt to equity
1.04▲
2021 · 0.17
ROE
8.1%▲
2021 · 7.8%
ROA
4.0%▼
2021 · 6.7%
Interest coverage
8.05▼
2021 · 29.90
Debt ≤ 1 year
€290,221▲
2021 · €42,893
Income taxes
€6,703▼
2021 · €7,302
Staff costs
€23,695
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €8,111 | €18,500 | - | - |
| Remuneration, social security and pensions62 | - | - | - | - | €23,695 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,404 | €2,404 | €2,043 | €2,043 | €3,496 | ▲ 71.1% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | -€4,030 | - | - | - |
| Other operating charges640/8 | - | - | €7,590 | €23,978 | €19,092 | ▼ 20.4% |
| Non-recurring operating charges66A | - | - | €147 | - | - | - |
| Gross operating margin9900 | €1,056 | €7,341 | €1,742 | €40,620 | €80,186 | ▲ 97.4% |
| Operating profit (loss)9901 | -€7,145 | €4,912 | -€4,008 | €14,599 | €33,902 | ▲ 132% |
| Financial income75/76B | - | - | €19,625 | €13,247 | €126 | ▼ 99.1% |
| Recurring financial income75 | - | - | €19,625 | €13,247 | €126 | ▼ 99.1% |
| Financial charges65/66B | - | - | €2,292 | €557 | €4,648 | ▲ 735% |
| Recurring financial charges65 | €351 | €68 | €2,292 | €557 | €4,648 | ▲ 735% |
| Profit (loss) for the period before taxes9903 | -€7,496 | €4,845 | €13,324 | €27,289 | €29,380 | ▲ 7.7% |
| Income taxes67/77 | €16,702 | - | €13,214 | €7,302 | €6,703 | ▼ 8.2% |
| Profit (loss) for the period9904 | -€24,198 | €4,845 | €110 | €19,987 | €22,677 | ▲ 13.5% |
| Profit (loss) for the period to be appropriated9905 | -€24,198 | €4,845 | €110 | €19,987 | €22,677 | ▲ 13.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €235,128 | €241,103 | €251,284 | €298,947 | €568,965 | ▲ 90.3% |
| Fixed assets21/28 | €27,657 | €25,253 | €31,321 | €51,128 | €76,367 | ▲ 49.4% |
| Tangible fixed assets22/27 | €27,657 | €25,253 | €31,321 | €29,278 | €54,517 | ▲ 86.2% |
| Land and buildings22 | - | - | €31,321 | €29,278 | €27,235 | ▼ 7.0% |
| Plant, machinery and equipment23 | - | - | - | - | €11,503 | - |
| Furniture and vehicles24 | - | - | - | - | €6,114 | - |
| Other tangible fixed assets26 | - | - | - | - | €9,665 | - |
| Financial fixed assets28 | - | - | - | €21,850 | €21,850 | = |
| Current assets29/58 | €207,471 | €215,850 | €219,963 | €247,818 | €492,598 | ▲ 98.8% |
| Stocks and contracts in progress3 | - | - | - | - | €275,834 | - |
| Stocks30/36 | - | - | - | - | €275,834 | - |
| Amounts receivable within one year40/41 | €165,420 | €126,534 | €219,866 | €247,469 | €102,293 | ▼ 58.7% |
| Trade receivables40 | - | - | €15,000 | €26,727 | - | - |
| Other amounts receivable41 | - | - | €204,866 | €220,741 | €102,293 | ▼ 53.7% |
| Current investments50/53 | - | - | - | - | €4,250 | - |
| Cash at bank and in hand54/58 | €6,497 | €936 | €97 | €350 | €99,246 | ▲ 28,282% |
| Deferred charges and accrued income490/1 | - | - | - | - | €10,976 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €235,128 | €241,103 | €251,284 | €298,947 | €568,965 | ▲ 90.3% |
| Equity10/15 | €231,098 | €235,942 | €236,053 | €256,040 | €278,744 | ▲ 8.9% |
| Contributions10/11 | €61,973 | €61,973 | €61,973 | €61,973 | €62,000 | = |
| Capital10 | - | - | €61,973 | €61,973 | €62,000 | = |
| Issued capital100 | - | - | €61,973 | €61,973 | €62,000 | = |
| Reserves13 | €131,950 | €131,950 | €131,950 | €131,950 | €131,950 | = |
| Non-distributable reserves130/1 | - | - | €6,197 | €6,197 | €6,197 | = |
| Legal reserve130 | - | - | €6,197 | €6,197 | €6,197 | = |
| Distributable reserves133 | - | - | €125,753 | €125,753 | €125,753 | = |
| Profit (loss) carried forward14 | €37,174 | €42,019 | €42,129 | €62,117 | €84,793 | ▲ 36.5% |
| Provisions and deferred taxes16 | €4,030 | €4,030 | - | - | - | - |
| Amounts payable17/49 | - | €1,131 | €15,232 | €42,907 | €290,221 | ▲ 576% |
| Amounts payable within one year42/48 | - | €1,131 | €15,225 | €42,893 | €290,221 | ▲ 577% |
| Financial debts43 | - | - | - | €69 | - | - |
| Credit institutions430/8 | - | - | - | €69 | - | - |
| Trade debts44 | - | €1,131 | €13,358 | €10,654 | €125,604 | ▲ 1,079% |
| Suppliers440/4 | - | - | €13,358 | €10,654 | €125,604 | ▲ 1,079% |
| Taxes, remuneration and social security45 | - | - | €1,867 | €9,169 | €20,244 | ▲ 121% |
| Taxes450/3 | - | - | €1,867 | €9,169 | €15,873 | ▲ 73.1% |
| Remuneration and social security454/9 | - | - | - | - | €4,372 | - |
| Other amounts payable47/48 | - | - | - | €23,000 | €144,372 | ▲ 528% |
| Accrued charges and deferred income492/3 | - | - | €6 | €14 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€24,198 | €4,845 | €110 | €19,987 | €22,677 | ▲ 13.5% |
| + Depreciation and write-downs630 | €2,404 | €2,404 | €2,043 | €2,043 | €3,496 | ▲ 71.1% |
| Operating cash flow (approximation) | -€21,794 | €7,249 | €2,153 | €22,030 | €26,173 | ▲ 18.8% |
| Investment in fixed assets (approximation) | - | €0 | -€8,111 | -€21,850 | -€28,735 | ▼ 31.5% |
| Change in cash | - | -€5,561 | -€839 | €253 | €98,896 | ▲ 39,028% |
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
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €22,677 ▲13.5%
Operating result €33,902, net result €22,677, both a record.
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 293 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 119 days late
2019
31-12
Financial
Back to profitnet €4,845
Net result €4,845 after one loss-making year.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 69 days late
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 139 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 58 days late
03-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 156 days late
2015
22-09
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 53 days late
2014
08-08
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 8 days late
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, Sint-Joost-ten-Node · 2 establishment units since 1990
Ground area
4,145 m²
Building footprint
3,435 m²
Volume, LiDAR
96,755 m³
2 parcels, Brussels · tallest building 74.5 m, ±6 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Maria van Hongarijelaan 64, 1083 Ganshoren
since 19902.050.043.728
HAKTAT
since 20222.330.373.728
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572B0104/00F000 | Brussels | 3,465 m² | 1 · 3,289 m² | 74.5 m · 3 fl. |
| 21392A0064/00L002 | Brussels | 680 m² | 1 · 145 m² | 20.5 m · 6 fl. |
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.
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,850. 3,881 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded20-10-1990
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Contact
E-mail
info@credifort.be
Phone
+32 2 681 09 05
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.
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.