Summary
Crédior is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €590,530 and a net result of -€19,171. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 46% of 9872 sector peers (fiscal year 2024). The company has been active since 1961 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
51 d late
2022
318 d late
2021
683 d late
2020
30 d late
2019
64 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 201 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#2 oldest company in Theux
Equity
€590,530▼ 3.1%
2023 · €609,272
Net result
-€19,171▼ 18.9%
2023 · -€16,117
Total assets
€1.2m▼ 2.4%
2023 · €1.2m
Solvency
50.6%▼ 0.4pp
2023 · 51.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€0▼ 100%
Operating result-€21,085▼ 8,026%-€16,686▲ 20.9%-€26,039▼ 56.1%-€12,029▲ 53.8%-€10,828▲ 10.0%
Net result-€24,768below the sector's middle half▼ 594%-€20,514below the sector's middle half▲ 17.2%-€28,749below the sector's middle half▼ 40.1%-€16,117below the sector's middle half▲ 43.9%-€19,171below the sector's middle half▼ 18.9%
Equity€674,652above the sector's middle half▼ 3.5%€654,138above the sector's middle half▼ 3.0%€625,389above the sector's middle half▼ 4.4%€609,272above the sector's middle half▼ 2.6%€590,530above the sector's middle half▼ 3.1%
Total assets€1.3mabove the sector's middle half▼ 4.9%€1.3mabove the sector's middle half▼ 2.5%€1.2mabove the sector's middle half▼ 6.5%€1.2mabove the sector's middle half▼ 1.3%€1.2mabove the sector's middle half▼ 2.4%
Debt€654,001▼ 6.3%€640,931▼ 2.0%€586,129▼ 8.6%€586,129=€576,523▼ 1.6%
Working capital€283,934above the sector's middle half▲ 1.2%€292,927above the sector's middle half▲ 3.2%€293,511above the sector's middle half▲ 0.2%€305,956above the sector's middle half▲ 4.2%€305,328above the sector's middle half▼ 0.2%
Solvency50.8%within the sector's middle half▲ 0.7pp50.5%within the sector's middle half▼ 0.3pp51.6%within the sector's middle half▲ 1.1pp51.0%within the sector's middle half▼ 0.7pp50.6%within the sector's middle half▼ 0.4pp
Current ratio1.72within the sector's middle half▲ 0.081.77within the sector's middle half▲ 0.051.91within the sector's middle half▲ 0.131.94within the sector's middle half▲ 0.041.97within the sector's middle half▲ 0.03
Return on assets (ROA)-1.9%below the sector's middle half▼ 1.6pp-1.6%below the sector's middle half▲ 0.3pp-2.4%below the sector's middle half▼ 0.8pp-1.3%below the sector's middle half▲ 1.0pp-1.6%below the sector's middle half▼ 0.3pp
Staff (FTE)2.5above the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10,828 in 2024 against €12,029 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.1m
Fixed assets
€496,092 ▼ 2.7%
Current assets
€619,681 ▼ 1.6%
Equity and liabilities €1.2m
Equity
€590,530 ▼ 3.1%
Debt
€576,523 ▼ 1.6%
Debt's share of the balance-sheet total rises from 49.0% to 49.4%. Equity and debt are lower.
Key figures and ratios
ROE
-3.2%▼
2023 · -2.6%
Debt ≤ 1 year
€314,353▼
2023 · €323,959
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €0 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €24,894 | €33,456 | €23,532 | €27,599 | ▲ 17.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,667 | €29,507 | €29,334 | €28,562 | €18,114 | ▼ 36.6% |
| Other operating charges640/8 | - | €25 | €65 | €212 | - | - |
| Gross operating margin9900 | €9,082 | €12,846 | €3,359 | €16,745 | €7,286 | ▼ 56.5% |
| Operating profit (loss)9901 | -€21,085 | -€16,686 | -€26,039 | -€12,029 | -€10,828 | ▲ 10.0% |
| Financial income75/76B | - | €26 | €1,190 | - | - | - |
| Recurring financial income75 | €31 | €26 | €1,190 | - | - | - |
| Financial charges65/66B | - | €3,808 | €3,847 | €4,088 | €8,343 | ▲ 104% |
| Recurring financial charges65 | €3,595 | €3,808 | €3,847 | €4,088 | €8,343 | ▲ 104% |
| Profit (loss) for the period before taxes9903 | -€24,649 | -€20,468 | -€28,697 | -€16,117 | -€19,171 | ▼ 18.9% |
| Income taxes67/77 | €119 | €46 | €53 | - | - | - |
| Profit (loss) for the period9904 | -€24,768 | -€20,514 | -€28,749 | -€16,117 | -€19,171 | ▼ 18.9% |
| Profit (loss) for the period to be appropriated9905 | -€24,768 | -€20,514 | -€28,749 | -€16,117 | -€19,171 | ▼ 18.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 2.4% |
| Formation expenses20 | €69,520 | €64,960 | €60,400 | €55,840 | €51,280 | ▼ 8.2% |
| Fixed assets21/28 | €583,368 | €558,421 | €533,648 | €509,646 | €496,092 | ▼ 2.7% |
| Intangible fixed assets21 | - | - | - | - | €0 | - |
| Tangible fixed assets22/27 | €580,603 | €555,657 | €530,883 | €506,881 | €493,327 | ▼ 2.7% |
| Land and buildings22 | - | €545,451 | €525,026 | €504,602 | €493,327 | ▼ 2.2% |
| Plant, machinery and equipment23 | - | €10,204 | €5,857 | €2,279 | €0 | ▼ 100.0% |
| Furniture and vehicles24 | - | €2 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €2,765 | €2,765 | €2,765 | €2,765 | €2,765 | = |
| Current assets29/58 | €675,766 | €671,688 | €617,470 | €629,914 | €619,681 | ▼ 1.6% |
| Amounts receivable within one year40/41 | €431,947 | €408,389 | €375,512 | €358,531 | €345,773 | ▼ 3.6% |
| Trade receivables40 | - | €349,144 | €334,148 | €320,878 | €312,457 | ▼ 2.6% |
| Other amounts receivable41 | - | €59,244 | €41,364 | €37,654 | €33,316 | ▼ 11.5% |
| Cash at bank and in hand54/58 | €180,544 | €200,050 | €174,914 | €203,583 | €206,108 | ▲ 1.2% |
| Deferred charges and accrued income490/1 | - | €63,249 | €67,043 | €67,800 | €67,800 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 2.4% |
| Equity10/15 | €674,652 | €654,138 | €625,389 | €609,272 | €590,530 | ▼ 3.1% |
| Contributions10/11 | €179,365 | €179,365 | €179,365 | €179,365 | €179,365 | = |
| Capital10 | - | €179,365 | €179,365 | - | €179,365 | - |
| Issued capital100 | - | €179,365 | €179,365 | - | €179,365 | - |
| Revaluation surpluses12 | - | €481,360 | €463,250 | €445,140 | €427,030 | ▼ 4.1% |
| Reserves13 | €98,647 | €119,557 | €137,667 | €155,777 | €173,887 | ▲ 11.6% |
| Non-distributable reserves130/1 | - | €119,557 | €137,667 | €155,777 | €173,887 | ▲ 11.6% |
| Legal reserve130 | - | €13,028 | €13,028 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €155,777 | €173,887 | ▲ 11.6% |
| Own shares acquired1312 | - | €106,528 | €124,638 | - | - | - |
| Profit (loss) carried forward14 | -€105,629 | -€126,144 | -€154,893 | -€171,010 | -€189,752 | ▼ 11.0% |
| Amounts payable17/49 | €654,001 | €640,931 | €586,129 | €586,129 | €576,523 | ▼ 1.6% |
| Amounts payable within one year42/48 | €391,831 | €378,761 | €323,959 | €323,959 | €314,353 | ▼ 3.0% |
| Financial debts43 | - | €125,009 | €125,009 | €125,009 | €125,009 | = |
| Credit institutions430/8 | - | €125,009 | €125,009 | €125,009 | €125,009 | = |
| Trade debts44 | €0 | - | - | €0 | €0 | - |
| Suppliers440/4 | - | - | - | €0 | - | - |
| Taxes, remuneration and social security45 | - | €409 | €346 | €346 | €346 | = |
| Taxes450/3 | - | €409 | €346 | €346 | €346 | = |
| Other amounts payable47/48 | - | €253,343 | €198,604 | €198,604 | €188,999 | ▼ 4.8% |
| Accrued charges and deferred income492/3 | - | €262,170 | €262,170 | €262,170 | €262,170 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€24,768 | -€20,514 | -€28,749 | -€16,117 | -€19,171 | ▼ 18.9% |
| + Depreciation and write-downs630 | €29,667 | €29,507 | €29,334 | €28,562 | €18,114 | ▼ 36.6% |
| Operating cash flow (approximation) | €4,900 | €8,993 | €584 | €12,445 | -€1,057 | ▼ 108% |
| Investment in fixed assets (approximation) | - | -€4,560 | -€4,560 | -€4,560 | -€4,560 | = |
| Change in cash | - | €19,506 | -€25,135 | €28,668 | €2,526 | ▼ 91.2% |
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
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 318 days late
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 683 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
03-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 64 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 140 days late
2016
07-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 68 days late
NBB filing
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, Theux · 1 establishment unit since 1961
Ground area
1,890 m²
Building footprint
340 m²
Volume, LiDAR
1,623 m³
Parcel 63060C0279/00G000, Wallonia · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Avenue Félix Deblon 151, 4910 Theux
since 19612.006.570.011
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63060C0279/00G000 | Wallonia | 1,890 m² | 1 · 340 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
967600OFAAQ5MA8V2E06
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Of 806 companies in sector 64999 we hold annual accounts for 487. 283 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
Founded02-03-1961
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0402268304
Registered
25-11-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.