CREDIMO HOLDING
ActiveSummary
CREDIMO HOLDING has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29.6m and a net result of €2.1m. Equity remains stable across the filed financial years (±0.1% per year). The computed 12-month bankruptcy probability is 0.1% (very low).
Financials · financial year 2025, full format, standalone accounts
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2.1m▲ 17.1%
2024 · €1.8m
Working capital
-€1.0m▲ 10.7%
2024 · -€1.2m
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 7 financial years
The operating result stays negative: a loss of €41,774 in 2025 against €42,270 in 2024; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result-€0.04m
2025
Net result€2.1m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€31.7m
2025
Equity€29.6m
2025
Debt€2.1m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€1.0m
2025
Use the arrow keys on the chart for the figures per year.
Every figure with its change against the financial year before
favourable
unfavourable
Line2018201920212022202320242025
Operating result-€0.04m--€0.04m▲ 11.5%-€0.03m--€0.04m▼ 23.7%-€0.04m▲ 1.9%-€0.04m▼ 3.6%-€0.04m▲ 1.2%
Net result€0.7m-€0.9m▲ 16.0%€0.9m-€1.2m▲ 34.0%€1.5m▲ 28.2%€1.8m▲ 20.8%€2.1m▲ 17.1%
Equity€29.3m-€30.2m▲ 3.0%€29.3m-€29.3m=€29.4m▲ 0.2%€29.5m▲ 0.3%€29.6m▲ 0.5%
Total assets€30.8m-€30.8m▼ 0.1%€30.5m-€30.7m▲ 0.5%€30.9m▲ 0.7%€31.3m▲ 1.3%€31.7m▲ 1.3%
Debt€1.5m-€0.6m▼ 61.3%€1.2m-€1.4m▲ 13.0%€1.5m▲ 10.3%€1.8m▲ 20.1%€2.1m▲ 15.6%
Working capital-€0.5m-€0.3m-€0.8m--€1.0m▼ 15.5%-€1.2m▼ 28.2%-€1.2m▲ 6.6%-€1.0m▲ 10.7%
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31.7m
Fixed assets
€30.7m =
Current assets
€1.1m ▲ 62.5%
Equity and liabilities €31.7m
Equity
€29.6m ▲ 0.5%
Debt
€2.1m ▲ 15.6%
Debt's share of the balance-sheet total rises from 5.8% to 6.7%. Equity and debt are higher.
Key figures and ratios
Current ratio
0.50▲
2024 · 0.36
Debt to equity
0.07▲
2024 · 0.06
ROE
7.2%▲
2024 · 6.2%
ROA
6.7%▲
2024 · 5.8%
Debt ≤ 1 year
€2.1m▲
2024 · €1.8m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Operating charges60/66A | - | - | €0.03m | €0.04m | €0.04m | €0.04m | €0.04m | ▼ 1.2% |
| Services and other goods61 | - | - | €0.03m | €0.04m | €0.04m | €0.04m | €0.04m | ▼ 1.3% |
| Other operating charges640/8 | - | - | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | ▲ 3.0% |
| Operating profit (loss)9901 | -€0.04m | -€0.04m | -€0.03m | -€0.04m | -€0.04m | -€0.04m | -€0.04m | ▲ 1.2% |
| Financial income75/76B | - | - | €0.9m | €1.2m | €1.5m | €1.9m | €2.2m | ▲ 16.7% |
| Recurring financial income75 | €0.8m | €0.9m | €0.9m | €1.2m | €1.5m | €1.9m | €2.2m | ▲ 16.7% |
| Income from financial fixed assets750 | - | - | €0.9m | €1.2m | €1.5m | €1.8m | €2.1m | ▲ 16.7% |
| Income from current assets751 | - | - | - | €0.001m | €0.009m | €0.01m | €0.02m | ▲ 15.7% |
| Financial charges65/66B | - | - | €0.004m | €0.003m | €0.001m | €309 | €331 | ▲ 7.3% |
| Recurring financial charges65 | €0.002m | €0.006m | €0.004m | €0.003m | €0.001m | €309 | €331 | ▲ 7.3% |
| Other financial charges652/9 | - | - | €0.004m | €0.003m | €0.001m | €309 | €331 | ▲ 7.3% |
| Profit (loss) for the period before taxes9903 | €0.7m | €0.9m | €0.9m | €1.2m | €1.5m | €1.8m | €2.1m | ▲ 17.1% |
| Profit (loss) for the period9904 | €0.7m | €0.9m | €0.9m | €1.2m | €1.5m | €1.8m | €2.1m | ▲ 17.1% |
| Profit (loss) for the period to be appropriated9905 | €0.7m | €0.9m | €0.9m | €1.2m | €1.5m | €1.8m | €2.1m | ▲ 17.1% |
| Line | 2018 | 2019 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €30.8m | €30.8m | €30.5m | €30.7m | €30.9m | €31.3m | €31.7m | ▲ 1.3% |
| Fixed assets21/28 | €30.3m | €30.3m | €30.3m | €30.3m | €30.6m | €30.6m | €30.7m | = |
| Financial fixed assets28 | €30.3m | €30.3m | €30.3m | €30.3m | €30.6m | €30.6m | €30.7m | = |
| Affiliated companies280/1 | - | - | €30.3m | €30.3m | €30.6m | €30.6m | €30.7m | = |
| Participating interests280 | - | - | €30.3m | €30.3m | €30.6m | €30.6m | €30.7m | = |
| Current assets29/58 | €0.5m | €0.5m | €0.2m | €0.4m | €0.3m | €0.7m | €1.1m | ▲ 62.5% |
| Amounts receivable within one year40/41 | - | - | - | - | €0.002m | €0.006m | €0.009m | ▲ 59.9% |
| Other amounts receivable41 | - | - | - | - | €0.002m | €0.006m | €0.009m | ▲ 59.9% |
| Current investments50/53 | - | - | - | €0.4m | €0.2m | €0.6m | €1.0m | ▲ 73.9% |
| Other investments51/53 | - | - | - | €0.4m | €0.2m | €0.6m | €1.0m | ▲ 73.9% |
| Cash at bank and in hand54/58 | €0.5m | €0.5m | €0.2m | €0.04m | €0.03m | €0.07m | €0.05m | ▼ 24.6% |
| Deferred charges and accrued income490/1 | - | - | €0.003m | €0.004m | €0.005m | €0.008m | €0.004m | ▼ 45.7% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €30.8m | €30.8m | €30.5m | €30.7m | €30.9m | €31.3m | €31.7m | ▲ 1.3% |
| Equity10/15 | €29.3m | €30.2m | €29.3m | €29.3m | €29.4m | €29.5m | €29.6m | ▲ 0.5% |
| Contributions10/11 | €28.5m | €28.5m | €28.5m | €28.5m | €28.5m | €28.5m | €28.5m | = |
| Capital10 | - | - | €28.5m | €28.5m | €28.5m | €28.5m | €28.5m | = |
| Issued capital100 | - | - | €28.5m | €28.5m | €28.5m | €28.5m | €28.5m | = |
| Reserves13 | €0.8m | €0.9m | €0.8m | €0.8m | €0.9m | €1.0m | €1.1m | ▲ 11.0% |
| Non-distributable reserves130/1 | - | - | €0.7m | €0.8m | €0.8m | €0.9m | €1.0m | ▲ 11.3% |
| Legal reserve130 | - | - | €0.7m | €0.8m | €0.8m | €0.9m | €1.0m | ▲ 11.3% |
| Distributable reserves133 | - | - | €0.1m | €0.04m | €0.03m | €0.03m | €0.03m | = |
| Profit (loss) carried forward14 | €0.005m | €0.8m | €0.003m | €0.003m | €0.003m | €0.001m | €0.03m | ▲ 59× |
| Amounts payable17/49 | €1.5m | €0.6m | €1.2m | €1.4m | €1.5m | €1.8m | €2.1m | ▲ 15.6% |
| Amounts payable after more than one year17 | €0.5m | €0.4m | €0.1m | - | - | - | - | - |
| Financial debts170/4 | - | - | €0.1m | - | - | - | - | - |
| Credit institutions173 | - | - | €0.1m | - | - | - | - | - |
| Amounts payable within one year42/48 | €1.0m | €0.2m | €1.1m | €1.4m | €1.5m | €1.8m | €2.1m | ▲ 15.6% |
| Current portion of amounts payable after more than one year42 | - | - | €0.1m | €0.1m | - | - | - | - |
| Trade debts44 | €0.007m | €0.007m | - | - | - | - | - | - |
| Other amounts payable47/48 | - | - | €1.0m | €1.2m | €1.5m | €1.8m | €2.1m | ▲ 15.6% |
| Accrued charges and deferred income492/3 | - | - | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | = |
| Line | 2018 | 2019 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.7m | €0.9m | €0.9m | €1.2m | €1.5m | €1.8m | €2.1m | ▲ 17.1% |
| Operating cash flow (approximation) | €0.7m | €0.9m | €0.9m | €1.2m | €1.5m | €1.8m | €2.1m | ▲ 17.1% |
| Investment in fixed assets (approximation) | - | €0 | - | €0 | -€0.3m | -€0.005m | -€0.01m | ▼ 132% |
| Change in cash | - | -€0.03m | - | -€0.2m | -€0.01m | €0.03m | -€0.02m | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 53 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | consolidated | 29-06-2026 | 2026-00236628 |
| 31-12-2025 | full format | 26-06-2026 | 2026-00228508 |
| 31-12-2024 | full format | 24-06-2025 | 2025-00190290 |
| 31-12-2024 | consolidated | 24-06-2025 | 2025-00191183 |
| 31-12-2023 | consolidated | 27-06-2024 | 2024-00198634 |
| 31-12-2023 | full format | 24-06-2024 | 2024-00179170 |
| 31-12-2022 | consolidated | 29-06-2023 | 2023-00190316 |
| 31-12-2022 | full format | 26-06-2023 | 2023-00170464 |
| 31-12-2021 | full format | 27-06-2022 | 2022-20133080 |
| 31-12-2021 | consolidated | 27-06-2022 | 2022-20114340 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.