CREDIM (0440.399.992): financials and annual accounts

CREDIM

Ghent ·KBO/BCE: BE 0440.399.992

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Balance sheet: assets
`20/58`	68.1m	68.2m	65.8m	55.9m	34.1m	22.1m	19.6m	12.4m	7.1m	5.3m	2.7m	934,528	978,101	1.0m	1.1m	1.1m	1.2m	1.2m	1.3m	1.7m
`21/28`	55.7m	50.3m	40.1m	32.4m	16.9m	14.1m	14.4m	10.9m	6.8m	4.4m	2.3m	916,727	964,875	1.0m	1.1m	1.1m	1.2m	1.2m	1.3m	1.3m
`21`	74,980	-	-	-	-	16	4,326	8,635	12,944	17,172	-	-	-	-	-	-	-	-	-	-
`22/27`	55.6m	49.1m	38.9m	31.2m	15.7m	13.1m	13.3m	9.8m	6.8m	4.4m	2.3m	916,667	964,815	1.0m	1.1m	1.1m	1.2m	1.2m	1.3m	1.3m
`22`	53.3m	46.9m	36.9m	31.2m	15.7m	12.1m	12.2m	8.7m	5.6m	3.1m	922,853	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000
`25`	2.2m	2.2m	2.0m	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`28`	82,412	1.2m	1.2m	1.2m	1.2m	1.1m	1.1m	1.1m	1,929	1,929	59	59	59	59	59	59	59	59	59	59
`29/58`	12.3m	17.9m	25.7m	23.5m	17.2m	8.0m	5.3m	1.5m	261,565	872,782	427,886	17,801	13,226	6,792	24,569	24,162	8,616	18,372	25,567	434,650
`29`	1.5m	1.5m	1.5m	1.6m	1.7m	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`291`	1.5m	1.5m	1.5m	1.6m	1.7m	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`3`	9.5m	15.4m	20.3m	20.5m	15.2m	6.7m	3.7m	709,960	150,078	720,584	339,458	-	-	-	-	-	-	-	-	-
`30/36`	9.5m	15.4m	20.3m	20.5m	15.2m	6.7m	3.7m	709,960	150,078	720,584	339,458	-	-	-	-	-	-	-	-	-
`40/41`	977,142	736,009	3.5m	453,370	75,116	85,457	168,775	234,604	31,091	31,309	5,937	-	1,515	2,418	16,768	9,639	7,703	4,850	14,790	430,133
`40`	976,291	557,754	236,812	99,130	74,509	84,890	165,250	232,505	22,957	31,309	-	-	242	-	-	-	-	-	10,915	10,915
`41`	851	178,254	3.3m	354,241	607	568	3,525	2,099	8,134	-	5,937	-	1,273	2,418	16,768	9,639	7,703	4,850	3,875	419,218
`54/58`	309,149	250,769	284,462	652,033	139,338	1.1m	1.3m	592,375	77,789	120,888	80,978	16,491	11,472	4,374	7,800	14,523	913	13,522	10,778	4,517
`490/1`	17,987	47,298	96,638	279,356	81,035	32,632	67,140	3,234	2,607	-	1,514	1,310	238	-	-	-	-	-	-	-
Balance sheet: equity and liabilities
`10/49`	68.1m	68.2m	65.8m	55.9m	34.1m	22.1m	19.6m	12.4m	7.1m	5.3m	2.7m	934,528	978,101	1.0m	1.1m	1.1m	1.2m	1.2m	1.3m	1.7m
`10/15`	6.8m	6.5m	6.1m	5.1m	3.3m	2.3m	1.6m	1.2m	847,015	599,671	513,347	87,749	85,368	82,717	89,353	72,986	71,033	59,150	1,869	-367,848
`10/11`	1.9m	1.9m	1.9m	1.9m	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,841
`10`	1.9m	1.9m	1.9m	1.9m	371,840	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`100`	1.9m	1.9m	1.9m	1.9m	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,840	371,841
`12`	227,843	260,392	292,941	325,490	358,039	390,588	423,137	455,686	488,235	520,784	553,333	-	-	-	-	-	-	-	-	-
`13`	4.7m	4.4m	4.0m	2.9m	2.6m	1.6m	843,955	327,799	296,359	65,409	32,860	32,860	32,860	30,208	30,208	13,840	13,840	13,840	929	929
`130/1`	130,583	107,866	86,886	86,886	37,184	37,184	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`130`	130,583	107,866	86,886	86,886	37,184	37,184	37,184	37,184	32,798	32,798	32,798	32,798	32,798	30,146	30,146	13,779	13,779	13,779	868	868
`132`	354,704	380,270	405,837	412,531	-	-	-	-	198,402	-	-	-	-	-	-	-	-	-	-	-
`133`	4.2m	3.9m	3.5m	2.4m	2.5m	1.5m	806,771	290,615	65,159	32,610	61	61	61	61	61	61	61	61	61	61
`14`	-	-	-	-	-	-	-	-	-309,419	-358,362	-444,685	-316,951	-319,331	-319,331	-312,695	-312,695	-314,648	-326,530	-370,900	-740,618
`16`	495,185	532,365	569,545	579,279	-	-	-	-	-	-	-	4,000	18,290	36,938	41,649	35,000	-	-	-	-
`160/5`	-	-	-	-	-	-	-	-	-	-	-	4,000	18,290	36,938	41,649	35,000	-	-	-	-
`168`	495,185	532,365	569,545	579,279	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`17/49`	60.8m	61.1m	59.1m	50.2m	30.7m	19.8m	18.0m	11.3m	6.2m	4.7m	2.2m	842,779	874,443	900,161	954,738	1.0m	1.1m	1.2m	1.3m	2.1m
`17`	55.6m	54.9m	52.0m	44.3m	28.3m	18.2m	13.2m	10.0m	5.7m	3.7m	1.8m	612,905	703,008	782,816	870,533	948,354	1.0m	1.1m	1.2m	1.2m
`170/4`	43.9m	44.1m	44.2m	33.8m	20.3m	14.1m	10.0m	7.7m	4.2m	3.1m	1.5m	612,905	703,008	782,816	870,533	948,354	1.0m	1.1m	1.2m	1.2m
`176`	10.8m	8.5m	6.8m	4.1m	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`178/9`	892,966	2.3m	1.0m	6.4m	8.0m	4.1m	3.2m	2.3m	1.4m	658,763	358,029	-	-	-	-	-	-	-	-	-
`42/48`	5.1m	5.9m	6.9m	4.6m	2.0m	1.4m	4.5m	1.1m	557,839	944,696	360,635	229,875	171,435	117,345	84,205	77,141	72,586	71,361	116,890	92,462
`42`	2.7m	4.2m	5.1m	1.1m	610,000	721,461	746,501	583,436	361,812	260,961	181,371	90,103	85,808	87,717	77,821	74,111	70,578	67,095	63,731	60,811
`43`	1.6m	1.3m	1.2m	1.8m	-	-	2.5m	491,471	156,946	623,583	-	-	-	-	-	-	-	-	-	-
`430/8`	1.6m	1.3m	1.2m	1.8m	-	-	2.5m	479,000	156,946	623,583	-	-	-	-	-	-	-	-	-	-
`439`	-	-	-	-	-	-	16,674	12,471	-	-	-	-	-	-	-	-	-	-	-	-
`44`	307,005	45,298	77,502	54,335	15,452	14,874	72,194	13,238	1,732	54,521	178,439	1,016	1,563	19,449	4,194	3,031	1,828	908	2,358	23,189
`440/4`	307,005	45,298	77,502	54,335	15,452	14,874	72,194	13,238	1,732	54,521	178,439	1,016	1,563	19,449	4,194	3,031	1,828	908	2,358	23,189
`46`	222,420	222,420	222,420	1.1m	258,525	14,130	58,264	30,000	-	-	-	-	-	-	-	-	-	-	-	-
`45`	223,063	103,418	254,921	547,395	161,452	36,721	40,172	20,662	33,429	3,454	825	1,412	378	-	190	-	180	1,764	-	8,462
`450/3`	196,512	82,443	236,248	530,421	148,941	30,794	40,172	20,662	33,429	3,454	825	1,412	378	-	190	-	180	180	-	7,485
`454/9`	26,551	20,976	18,673	16,975	12,510	5,928	-	-	-	-	-	-	-	-	-	-	-	1,583	-	977
`47/48`	97,147	18,943	19,093	-	916,382	660,372	1.1m	3,304	3,921	2,177	-	137,343	83,686	10,179	2,000	-	-	1,595	50,802	-
`492/3`	134,309	356,563	224,026	1.2m	456,950	144,210	219,254	126,012	24,592	3,500	-	-	-	-	-	-	-	-	-	787,500
Income statement
`70`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	674,925
`76A`	-	-	-	-	80,409	-	-	-	-	-	-	-	-	-	-	-	-	-	794,701	30,288
`9900`	3.6m	4.6m	4.3m	3.7m	2.5m	1.7m	1.4m	880,966	787,682	349,185	104,567	100,985	105,458	102,954	126,946	147,722	126,179	152,453	94,609	-10,191
`60/61`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	140,469	698,016
`62`	210,050	165,340	118,744	103,297	79,966	36,308	-	-	-	-	-	-	-	-	-	-	-	-	-977	33,175
`630`	1.2m	955,725	724,193	550,723	509,589	490,581	463,341	323,492	379,266	186,908	181,360	48,148	48,148	48,148	48,148	48,148	48,148	48,148	48,148	234,730
`631/4`	-573,077	432,859	431,226	120,000	-	-	-	-	-	-	-	-	-	-	-	-	-	11,223	-	-
`635/8`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,649	35,000	-	-	-	-
`640/8`	448,060	310,368	255,545	207,389	263,932	85,720	60,565	38,510	34,515	24,385	10,503	10,344	13,418	10,292	10,037	9,824	8,735	14,738	11,347	42,182
`66A`	-	-	-	-	-	559	40,837	-	-	-	-	-	-	-	-	-	-	-	-	7,098
`9901`	2.3m	2.7m	2.8m	2.7m	1.6m	1.1m	851,769	518,964	373,900	137,892	-87,296	42,493	43,891	44,513	62,113	54,750	69,295	78,344	36,091	-320,278
`75/76B`	22,108	18,905	228,870	154,664	7,154	2,203	446	204	6,754	18,756	7	5	5	62	31	33	19	185	129	25
`75`	22,108	18,905	228,870	154,664	7,154	2,203	446	204	6,754	18,756	7	5	5	62	31	33	19	185	129	25
`65/66B`	1.8m	2.3m	1.9m	905,255	488,999	344,421	313,880	152,381	102,835	70,324	40,444	40,116	41,243	44,424	47,948	51,469	54,563	58,091	61,203	100,215
`65`	1.8m	2.3m	1.9m	905,255	488,999	344,421	313,880	152,381	102,835	70,324	40,444	40,116	41,243	44,424	47,948	51,469	54,563	58,091	61,203	100,215
`9903`	508,833	420,568	1.1m	2.0m	1.2m	759,742	538,335	366,787	277,819	86,324	-127,732	2,382	2,653	152	14,196	3,314	14,751	20,439	769,718	-397,278
`780`	37,180	37,180	9,734	9,627	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`67/77`	117,233	63,714	90,663	434,810	164,076	82,599	54,728	58,477	30,475	-	2	1	1	6,788	-2,172	1,361	2,868	7,528	-	4,365
`9904`	428,779	394,034	1.0m	1.6m	992,075	677,143	483,607	308,310	247,344	86,324	-127,734	2,380	2,652	-6,637	16,368	1,953	11,883	12,911	769,718	-401,643
`789`	25,567	25,567	6,694	6,620	-	-	-	198,402	-	-	-	-	-	-	-	-	-	-	-	-
`689`	-	-	-	-	-	-	-	-	198,402	-	-	-	-	-	-	-	-	-	-	-
`9905`	454,346	419,600	1.0m	1.6m	992,075	677,143	483,607	506,711	48,943	86,324	-127,734	2,380	2,652	-6,637	16,368	1,953	11,883	12,911	769,718	-401,643
Appropriation of the result
`9906`	454,346	419,600	1.0m	-1.1m	992,075	677,143	483,607	197,292	-309,419	-358,362	-444,685	-316,951	-316,680	-319,331	-296,327	-312,695	-314,648	-313,619	29,100	-740,618
`14P`	-	-	-	-2.7m	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`791/2`	190,000	-	-	1.1m	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`691/2`	454,346	419,600	1.0m	-	992,075	677,143	483,607	197,292	-	-	-	-	2,652	-	16,368	-	-	12,911	-	-
`6920`	22,717	20,980	-	-	-	-	-	4,386	-	-	-	-	2,652	-	16,368	-	-	12,911	-	-
`6921`	431,629	398,620	1.0m	-	992,075	677,143	483,607	192,906	-	-	-	-	-	-	-	-	-	-	-	-
`694/7`	190,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	400,000	-
`694`	190,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`695`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	400,000	-
Social balance sheet
`9087`	3	2.6	2	2	1.6	1	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Hours worked`1013`	5,296	4,288	3,464	3,292	2,528	1,114	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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Financial year	Type	Filed	Reference	Document
31-12-2025	full format	23-07-2026	2026-00322186	PDF
31-12-2024	abbreviated format	20-08-2025	2025-00390095	PDF
31-12-2023	full format	23-12-2024	2024-00625790	PDF
31-12-2023	abbreviated format	13-07-2024	2024-00246600	PDF
31-12-2022	abbreviated format	24-08-2023	2023-00355616	PDF
31-12-2021	abbreviated format	31-08-2022	2022-20406363	PDF
31-12-2020	abbreviated format	14-07-2021	2021-36000326	PDF
31-12-2019	abbreviated format	29-06-2020	2020-21900525	PDF
31-12-2018	abbreviated format	19-07-2019	2019-35000466	PDF
31-12-2017	abbreviated format	20-08-2018	2018-47800355	PDF
31-12-2016	micro format	20-07-2017	2017-33700578	PDF
31-12-2015	abbreviated format	21-06-2016	2016-18800348	PDF
31-12-2014	abbreviated format	12-06-2015	2015-16500405	PDF
31-12-2013	abbreviated format	19-06-2014	2014-18600068	PDF
31-12-2012	abbreviated format	12-06-2013	2013-16600199	PDF
31-12-2011	abbreviated format	14-06-2012	2012-16800378	PDF
31-12-2010	abbreviated format	29-06-2011	2011-20900584	PDF
31-12-2009	abbreviated format	16-06-2010	2010-17700084	PDF
31-12-2008	abbreviated format	27-05-2009	2009-16100320	PDF
31-12-2007	abbreviated format	27-06-2008	2008-31900126	PDF
31-12-2006	abbreviated format	27-09-2007	2007-75100320	PDF
31-12-2005	abbreviated format	21-08-2006	2006-64101668	PDF
31-12-2004	abbreviated format	29-09-2005	2005-72803651	PDF
31-12-2003	abbreviated format	18-02-2005	2005-05404596	PDF
31-12-2002	abbreviated format	03-10-2003	2003-72703129	PDF
31-12-2001	abbreviated format	29-11-2002	2002-74402390	PDF
31-12-2000	abbreviated format	26-09-2001	2001-59002313	PDF
31-12-1999	abbreviated format	22-01-2001	2001-02203346	PDF
31-12-1998	abbreviated format	17-02-2000	2000-03704948	PDF
31-12-1997	abbreviated format	07-09-1998	1998-45203374	PDF
31-12-1996	abbreviated format	07-10-1997	1997-47900772	PDF
31-12-1995	abbreviated format	21-06-1996	1996-18904124	PDF
31-12-1994	abbreviated format	31-07-1995	1995-43301644	PDF
31-12-1993	abbreviated format	16-08-1994	1994-36103153	PDF
31-12-1992	abbreviated format	21-06-1993	1993-14902230	PDF
31-12-1991	abbreviated format	21-12-1992	1992-41100733	PDF
31-12-1990	abbreviated format	30-07-1991	1991-20504768	PDF

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
3.5m	3.7m	3.5m	3.3m	2.1m	1.6m	1.3m	842,456	753,167	324,800	94,064	90,641	92,040	92,662	110,261	102,898	117,443	126,492	84,239	-85,548
1.6m	1.3m	1.7m	2.1m	1.5m	1.2m	946,948	631,802	626,611	273,232	53,626	50,528	50,800	41,511	64,516	50,101	60,031	61,059	817,866	-166,913
9.5m	13.5m	14.3m	17.1m	4.7m	1.2m	3.9m	5.1m	3.0m	2.3m	1.0m	0	0	0	0	0	0	0	0	1.3m
58,380	-33,693	-367,571	512,696	-994,862	-184,098	725,922	514,586	-43,099	39,910	64,487	5,019	7,098	-3,426	-6,723	13,610	-12,610	2,745	6,261	-
7.3m	12.1m	18.8m	18.9m	15.2m	6.5m	732,991	398,063	-296,274	-71,914	67,252	-212,073	-158,209	-110,553	-59,636	-52,980	-63,970	-52,989	-91,323	342,188
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-47.5%
10.0%	9.6%	9.3%	9.2%	9.7%	10.5%	8.3%	9.3%	12.0%	11.4%	18.9%	9.4%	8.7%	8.1%	8.2%	6.4%	6.1%	4.8%	0.1%	-21.2%
2.44	3.05	3.74	5.10	8.76	5.52	1.16	1.35	0.47	0.92	1.19	0.08	0.08	0.06	0.29	0.31	0.12	0.26	0.22	4.70
0.55	0.43	0.79	0.64	0.99	0.87	0.34	0.73	0.20	0.16	0.25	0.08	0.08	0.06	0.29	0.31	0.12	0.26	0.22	4.70
8.97	9.35	9.61	9.77	9.29	8.56	10.99	9.75	7.37	7.78	4.30	9.60	10.24	10.88	10.68	14.05	15.42	19.69	-	-
6.3%	6.0%	16.5%	30.5%	30.0%	29.2%	29.5%	26.7%	29.2%	14.4%	-24.9%	2.7%	3.1%	-8.0%	18.3%	2.7%	16.7%	21.8%	-	-
0.6%	0.6%	1.5%	2.8%	2.9%	3.1%	2.5%	2.5%	3.5%	1.6%	-4.7%	0.3%	0.3%	-0.7%	1.5%	0.2%	1.0%	1.1%	60.2%	-23.1%
1.91	1.58	1.83	3.64	4.39	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6 days
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6 days	12 days

Item	31-12-2025	31-12-2024	31-12-2023	31-12-2022	31-12-2021
Employees at the balance-sheet date	3	3	2	2	2
full-time	3	3	2	2	2
in full-time equivalents	3	3	2	2	2
	3	2.6	2	2	1.6
On a permanent contract	3	3	2	2	2

Item	2025	2024	2023	2022	2021
Debts secured on the company's own assets	€43.9m	€49.6m	€50.5m	-	€20.9m
Debts guaranteed by Belgian public bodies	-	-	-	€36.7m	-
Mortgages, amount registered	€55.6m	€48.3m	€49.1m	€39.5m	€24.9m
Carrying value of the mortgaged assets	€62.9m	€62.3m	€57.2m	€51.8m	€30.9m
	€800,000	€800,000	€800,000	€800,000	€800,000

CREDIM

Annual accounts 2025

Money flows

Balance sheet

in €m

in €m

Position in the sector

10.0%

2.44

0.6%

Staff

€70,017

Filed annual accounts

Filings

Key figures and ratios

Social balance sheet

Securities and guarantees

Investments

Insights on CREDIM

Next steps

Item	2025	2024	2023	2022	2021
Tangible fixed assets	€9.4m	€13.5m	€14.3m	€17.1m	€4.6m
Intangible fixed assets	€83,311	-	-	-	-
Financial fixed assets	-	-	€10,852	€1,482	€76,227
	€1.2m	€955,725	€724,193	€550,723	€509,589

Annual accounts 2025

Money flows

Balance sheet

Change in equityin €m

Change in cashin €m

Position in the sector

Solvency10.0%

Current ratio2.44

Return on assets0.6%

Staff

Staff cost per FTE€70,017

Filed annual accounts

Filings

Key figures and ratios

Social balance sheet

Securities and guarantees

Investments

Insights on CREDIM

Next steps

in €m

in €m

10.0%

2.44

0.6%

€70,017