CREDIMMO
ActiveSummary
CREDIMMO has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132,024 and a net result of €130,024. The computed 12-month bankruptcy probability is 0.3% (very low).
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00474454.
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Peer companies
Historical observationOf the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Non-recurring operating income76A | €2 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,320 |
| Other operating charges640/8 | €3,163 |
| Gross operating margin9900 | €172,693 |
| Operating profit (loss)9901 | €168,210 |
| Financial income75/76B | €2,760 |
| Recurring financial income75 | €2,760 |
| Financial charges65/66B | €650 |
| Recurring financial charges65 | €650 |
| Profit (loss) for the period before taxes9903 | €170,320 |
| Income taxes67/77 | €40,296 |
| Profit (loss) for the period9904 | €130,024 |
| Profit (loss) for the period to be appropriated9905 | €130,024 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €175,678 | |
| Fixed assets21/28 | €10,202 | |
| Tangible fixed assets22/27 | €10,202 | |
| Furniture and vehicles24 | €7,328 | |
| Other tangible fixed assets26 | €2,874 | |
| Current assets29/58 | €165,475 | |
| Amounts receivable after more than one year29 | €75,000 | |
| Other amounts receivable291 | €75,000 | |
| Cash at bank and in hand54/58 | €74,129 | |
| Deferred charges and accrued income490/1 | €16,346 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €175,678 | |
| Equity10/15 | €132,024 | |
| Contributions10/11 | €2,000 | |
| Profit (loss) carried forward14 | €130,024 | |
| Amounts payable17/49 | €43,653 | |
| Amounts payable within one year42/48 | €43,653 | |
| Trade debts44 | €2,325 | |
| Suppliers440/4 | €2,325 | |
| Taxes, remuneration and social security45 | €40,296 | |
| Taxes450/3 | €40,296 | |
| Other amounts payable47/48 | €1,032 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €130,024 |
| + Depreciation and write-downs630 | €1,320 |
| Operating cash flow (approximation) | €131,345 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00474454 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.