CREDISHOP
ActiveCREDISHOP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €340k and a net result of €-136k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 486 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
6 d early
2023
67 d late
2022
5 d early
2021
30 d early
2020
18 d early
2019
116 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€340k▼ 28.5%
2024 · €476k
2019: €134k
2020: €1.15M
2021: €369k
2022: €-206k
2023: €607k
2024: €476k
2019 → 2025
Net result
€-136k▼ 3.0%
2024 · €-132k
2019: €-67k
2020: €-488k
2021: €-777k
2022: €-576k
2023: €-416k
2024: €-132k
2019 → 2025
Total assets
€1.22M▲ 2.4%
2024 · €1.19M
2019: €189k
2020: €1.99M
2021: €1.56M
2022: €1.40M
2023: €1.25M
2024: €1.19M
2019 → 2025
Solvency
27.8%▼ 12.0pp
2024 · 39.8%
2019: 71.2%
2020: 57.7%
2021: 23.7%
2022: -14.7%
2023: 48.5%
2024: 39.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€369k-€-206k€607k€476k▼ 21.7%€340k▼ 28.5%
Operating result€-761k-€-543k▲ 28.6%€-397k▲ 26.9%€-109k▲ 72.5%€-110k▼ 0.7%
Net result€-777k-€-576k▲ 25.9%€-416k▲ 27.7%€-132k▲ 68.4%€-136k▼ 3.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €110k in 2025 against €109k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€668k▼ 18.5%
Current assets
€555k▲ 48.1%
Equity and liabilities €1.22M
Equity
€340k▼ 28.5%
Provisions
€145k
Debt
€738k▲ 2.6%
The debt ratio rises from 60.2% to 60.3%: debt grows while equity shrinks.
Key figures and ratios
Solvency
27.8%▼
2024 · 39.8%
ROE
-39.9%▼
2024 · -27.7%
ROA
-11.1%▼
2024 · -11.0%
Debt
€738k▲
2024 · €719k
Debt ≤ 1 year
€337k▲
2024 · €319k
Debt > 1 year
€400k=
2024 · €400k
Income taxes
€-185▼
2024 · €2k
Staff costs
€508k▲
2024 · €507k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.19M€1.22M▲
Fixed assets21/28€820k€668k▼
Intangible fixed assets21€777k€655k▼
Tangible fixed assets22/27€39k€9k▼
Plant, machinery and equipment23€35k€0▼
Furniture and vehicles24€4k€9k▲
Other tangible fixed assets26€268€219▼
Financial fixed assets28€4k€4k=
Current assets29/58€375k€555k▲
Amounts receivable within one year40/41€103k€0▼
Trade receivables40€103k€0▼
Other amounts receivable41-€0
Cash at bank and in hand54/58€46k€152k▲
Deferred charges and accrued income490/1€226k€403k▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.22M▲
Equity10/15€476k€340k▼
Contributions10/11€1.02M€1.02M=
Capital10€1.02M€1.02M=
Issued capital100€1.02M€1.02M=
Profit (loss) carried forward14€-548k€-684k▼
Provisions and deferred taxes16-€145k
Provisions for liabilities and charges160/5-€145k
Other liabilities and charges164/5-€145k
Amounts payable17/49€719k€738k▲
Amounts payable after more than one year17€400k€400k=
Financial debts170/4€400k€400k=
Amounts payable within one year42/48€319k€337k▲
Trade debts44€82k€82k▼
Suppliers440/4€82k€82k▼
Taxes, remuneration and social security45€39k€41k▲
Taxes450/3€3k€1k▼
Remuneration and social security454/9€36k€40k▲
Other amounts payable47/48€197k€215k▲
Accrued charges and deferred income492/3-€300
Income statement
Code20242025
Remuneration, social security and pensions62€507k€508k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€187k€175k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€145k
Other operating charges640/8€6k€6k▲
Gross operating margin9900€589k€724k▲
Operating profit (loss)9901€-109k€-110k▼
Financial income75/76B€377€1▼
Recurring financial income75€377€1▼
Financial charges65/66B€20k€26k▲
Recurring financial charges65€20k€26k▲
Profit (loss) for the period before taxes9903€-129k€-136k▼
Income taxes67/77€2k€-185▼
Profit (loss) for the period9904€-132k€-136k▼
Profit (loss) for the period to be appropriated9905€-132k€-136k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-548k€-684k▼
Profit (loss) brought forward from the previous period14P€-416k€-548k▼
Social balance
Average headcount (FTE)90873.54.0▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
State Gazette act
Resignations & appointmentsGeneral meeting · Statutes amendment · Director resignation4 facts ▸
State Gazette act
Resignations & appointments
General meeting · Statutes amendment · Director resignation4 facts ▸
- General meeting, 2026-06-19
- Statutes amendment
- Director resignation, Sven VAN SANTVLIET (bestuurder)
- Director reappointment, Rudy BROECKAERT (enige bestuurder)
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 67 days late
2023
31-12
Financial
Equity above €500kEq €607k
Equity rises from €-206k to €607k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-777k
Net result drops to €-777k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €1MEq €1.15M ▲753%
Equity rises from €134k to €1.15M.
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 116 days late
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 directors, no change since 2026
Rudy BROECKAERT
CurrentEnige bestuurder
19-06-2026
Sven Van Santvliet: Resigned as Director
12-06-2020
LIBERT Anton: Resigned as Director
12-06-2020
VAN KERCKHOVEN Geert Conny: Resigned as Director
01-10-2019
Ben Mahmoud Mohamed: Resigned as Director
19-06-2019
Ben Mahmoud Mohamed: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 3 establishment units since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Fruithoflaan 212600 AntwerpenGround area
7,712 m²
Building footprint
896 m²
Volume, LiDAR
12,520 m³
3 parcels, Flanders · tallest building 28.7 m, ±8 floors. Linked by address, not a title deed.
3 establishment units
CREDISHOP
since 20202.303.130.188
CREDISHOP VLAANDEREN
since 20202.303.130.782
CREDISHOP
since 20242.368.130.878
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0356/00V011 | Flanders | 5,366 m² | 1 · 202 m² | 28.7 m · 8 fl. |
| 71328D0376/00F000 | Flanders | 1,389 m² | 1 · 471 m² | 18.2 m · 6 fl. |
| 44402A0342/00N002 | Flanders | 957 m² | 1 · 222 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 834 EUR awarded · 834 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 208 EUR | 208 EUR |
| 2024 | 1 | 377 EUR | 377 EUR |
| 2023 | 1 | 114 EUR | 114 EUR |
| 2022 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,506 companies in sector 66199 we hold annual accounts for 912. 625 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-04-1992
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:003233660363