Summary
CREDIT DIRECT 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 €604k and a net result of €23k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 2435 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
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 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
10 d late
2023
19 d late
2022
30 d late
2021
60 d late
2020
60 d late
2019
89 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€604k▲ 4.0%
2024 · €581k
2018: €192k
2019: €184k
2020: €282k
2021: €431k
2022: €464k
2023: €548k
2024: €581k
2018 → 2025
Net result
€23k▼ 50.0%
2024 · €47k
2018: €-33k
2019: €112k
2020: €98k
2021: €149k
2022: €113k
2023: €104k
2024: €47k
2018 → 2025
Total assets
€831k▲ 4.8%
2024 · €793k
2018: €886k
2019: €781k
2020: €757k
2021: €855k
2022: €868k
2023: €814k
2024: €793k
2018 → 2025
Solvency
72.7%▼ 0.5pp
2024 · 73.2%
2018: 21.7%
2019: 23.6%
2020: 37.3%
2021: 50.4%
2022: 53.4%
2023: 67.3%
2024: 73.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€431k-€464k▲ 7.7%€548k▲ 18.2%€581k▲ 5.9%€604k▲ 4.0%
Operating result€225k-€169k▼ 25.2%€154k▼ 8.7%€75k▼ 51.0%€41k▼ 46.1%
Net result€149k-€113k▼ 23.9%€104k▼ 7.8%€47k▼ 55.2%€23k▼ 50.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 46% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €831k
Fixed assets
€319k ▲ 23.1%
Current assets
€512k ▼ 4.1%
Equity and liabilities €831k
Equity
€604k ▲ 4.0%
Debt
€227k ▲ 6.9%
Debt's share of the balance-sheet total rises from 26.8% to 27.3%. Equity and debt are higher.
Key figures and ratios
ROE
3.9%▼
2024 · 8.1%
ROA
2.8%▼
2024 · 5.9%
Debt ≤ 1 year
€139k▼
2024 · €148k
Debt > 1 year
€87k▲
2024 · €64k
Income taxes
€13k▼
2024 · €25k
Staff costs
€354k▲
2024 · €295k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€793k€831k▲
Fixed assets21/28€259k€319k▲
Intangible fixed assets21€7k€13k▲
Tangible fixed assets22/27€250k€304k▲
Land and buildings22€186k€176k▼
Furniture and vehicles24€21k€53k▲
Other tangible fixed assets26€42k€74k▲
Financial fixed assets28€3k€3k=
Current assets29/58€534k€512k▼
Amounts receivable within one year40/41€364k€392k▲
Other amounts receivable41€364k€392k▲
Cash at bank and in hand54/58€72k€30k▼
Deferred charges and accrued income490/1€98k€90k▼
Equity and liabilities
Total equity and liabilities10/49€793k€831k▲
Equity10/15€581k€604k▲
Contributions10/11€19k€19k=
Reserves13€562k€585k▲
Distributable reserves133€562k€585k▲
Profit (loss) carried forward14€57€410▲
Amounts payable17/49€212k€227k▲
Amounts payable after more than one year17€64k€87k▲
Financial debts170/4€64k€87k▲
Amounts payable within one year42/48€148k€139k▼
Current portion of amounts payable after more than one year42€17k€46k▲
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€124k€83k▼
Taxes450/3€79k€31k▼
Remuneration and social security454/9€45k€51k▲
Other amounts payable47/48€2k€2k=
Accrued charges and deferred income492/3€1k€506▼
Income statement
Code20242025
Remuneration, social security and pensions62€295k€354k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€36k▲
Other operating charges640/8€10k€11k▲
Gross operating margin9900€408k€442k▲
Operating profit (loss)9901€75k€41k▼
Financial income75/76B€54€68▲
Recurring financial income75€54€68▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€71k€37k▼
Income taxes67/77€25k€13k▼
Profit (loss) for the period9904€47k€23k▼
Profit (loss) for the period to be appropriated9905€47k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€23k▼
Profit (loss) brought forward from the previous period14P€592€57▼
Transfer to equity691/2€33k€23k▼
To other reserves6921€33k€23k▼
Profit to be distributed694/7€14k€0▼
Return on contributions (dividend)694€14k€0▼
Social balance
Average headcount (FTE)90875.6-
The notes to these accounts (19 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
10-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 10 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
31-12
Financial
Equity above €500kEq €548k ▲18.2%
5 profitable years in a row build equity to €548k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 60 days late
2021
31-12
Financial
Highest result since 2018net €149k ▲51.5%
Operating result €225k, net result €149k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 60 days late
2020
31-12
Financial
Equity above €200kEq €282k ▲53.3%
2 profitable years in a row build equity to €282k.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 89 days late
2019
31-12
Financial
Back to profitnet €112k
Net result €112k after one loss-making year.
05-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 36 days late
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 63 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Verviers · 3 establishment units since 1999
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.
Thier Mère-Dieu 84800 VerviersGround area
780 m²
Building footprint
343 m²
Volume, LiDAR
4,136 m³
3 parcels, Wallonia · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
Thier Mère-Dieu 8, 4800 Verviers
since 19992.091.024.149
CREDIT DIRECT
since 20032.135.085.410
SPRL CREDIT DIRECT
since 20062.153.754.742
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63572C0323/00C002 | Wallonia | 300 m² | 1 · 110 m² | 17.5 m · 5 fl. |
| 53403F0234/00C000indicative | Wallonia | 254 m² | 1 · 166 m² | 10.9 m · 3 fl. |
| 81001A0913/00N002 | Wallonia | 225 m² | 1 · 67 m² | 13.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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PROFESSIONAL FINANCIAL AND ADMINISTRATIVE SERVICES
BE 0880.823.841
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BE 0423.874.558
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 584 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-1999
Fiscal year end31-12
Abbreviation FR
C.D.
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.