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Complete company report
Generated 22-07-2026
Active BE 0840.871.521Private limited company (pre-2019)

Creditum

Hundelgemsesteenweg 492A ·9820 Merelbeke-Melle, Belgium· 14 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of Creditum is 1.1% (low). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 14 yrs
Locations 1
Publications 1
Bankruptcy probability (12 mo) Checked model v1 · free
1.1% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Established
Founded in 2011, 14 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2022 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2022 micro 31-10-2023 2023-00502678
31-12-2021 micro 30-09-2022 2022-20448299
31-12-2020 micro 30-11-2021 2021-79100121
31-12-2019 micro 30-11-2020 2020-73300268
31-12-2018 micro 15-10-2019 2019-70700503
31-12-2017 verkort 27-09-2018 2018-68300019
31-12-2016 verkort 16-10-2017 2017-67400498
31-12-2015 verkort 31-12-2016 2016-72300491
31-12-2014 verkort 30-10-2015 2015-66100514
31-12-2013 verkort 31-10-2014 2014-66100532
Legal Structure
NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation08-11-2011
StatusActive
Postal code9820
Connections & network 1 connected companies
Group structure
EP FINANCE
Subsidiary · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
Creditum
Nachtegaalstraat 8, 9240 ZeleVerstrekken van hypothecair krediet
since 20112.204.412.201
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42028B0738/00B000 Flanders 4,529 m² 1 · 1,304 m² 31.6 m · 4 fl.
44043A0661/00F002 Flanders 472 m² 1 · 196 m² 12.3 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
03-07-2025
State Gazette act Director changes
correction
2023
31-10-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
30-09-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
30-11-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
30-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
15-10-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
27-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
16-10-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
31-12-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
30-10-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
2014
31-10-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
03-07-2025 1 director appointed, 2 resigning Director changescorrection
  • Wauters, Zaakvoerder
  • Van den Broeck Steven, Zaakvoerder
  • De Smedt Eddy, Zaakvoerder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": "600705 091-01",
        "name": "Van den Broeck Steven",
        "address": "7890 Ellezelles, Rue Bruy\u00E8re 97",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De bijzondere algemene vergadering gehouden op 01/03/2025 heeft beslist om over te gaan tot het ontslag van bestuurders",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": "510414 089-08",
        "name": "De Smedt Eddy",
        "address": "9200 Dendermonde, Baasrodestraat 8",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Dhr. De Smedt Eddy, wonende te 9200 Dendermonde, Baasrodestraat 8, nationaal nummer 510414 089-08,als niet-statutair zaakvoerder van de vennootschap die aanvaard.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Wauters",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0459.841.861",
        "name": "Bv. Wauters \u0026 Co",
        "address": "Hundelgemsesteenweg 492A te 9820 Merelbeke",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Verder heeft de bijzondere algeme vergadering ook besloten tot benoeming van bestuurders",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "substantive_delegation",
      "role": "dagelijks_bestuur",
      "person": {
        "rrn": null,
        "name": "Kathy Wauters",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0459.841.861",
        "name": "Bv. Wauters \u0026 Co",
        "address": "Hundelgemsesteenweg 492A te 9820 Merelbeke",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "vertegenwoordigd door Kathy Wauters",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "correction",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": "rectification",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Op de laatste blz. van Luik B vermelden:",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-07-03",
    "filing_date": "2025-06-24",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "bijzondere_algemene_vergadering",
      "date": "2025-03-01",
      "unanimous": null
    }
  ],
  "is_correction": true,
  "subject_company": {
    "kbo": "0840.871.521",
    "name_full": "CREDITUM",
    "legal_form": "BVBA",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL Creditum
Registered office
Hundelgemsesteenweg 492A
9820 Merelbeke-Melle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative