Credix Finance
The computed 12-month bankruptcy probability of Credix Finance is 0.5% (low). The 2024 annual accounts show equity of €6.38M and a net result of €-2.18M. Equity is shrinking by ~28.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 95% of 7351 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €6.38M |
| Net result | €-2.18M |
| Staff (FTE) | 1.6 |
| Better than sector | 95% |
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 95.9% | 65.0% | |
| Net result | €-2.18M | €32k | |
| Equity | €6.38M | €58k | |
| Gross operating margin | €-1.47M | €52k | |
| Staff costs | €152k | €17k |
Show 10 other metrics
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-1.67M |
| Net profit | €-2.18M |
| Cash flow | €-1.75M |
| Staff costs | €152k |
| Income taxes | €-35k |
| Dividends | - |
| Total assets | €6.66M |
| Equity | €6.38M |
| Debt | €276k |
| of which ≤ 1y | €276k |
| of which > 1y | - |
| Working capital | €2.96M |
| Employees (FTE) | 1.6 |
| 2024 | |
|---|---|
| Current ratio | 11.71 |
| Quick ratio | 11.71 |
| Working capital ratio | 44.4% |
| Solvency | 95.9% |
| Debt / equity | 0.04 |
| Long-term debt ratio | - |
| Interest coverage | -4.49 |
| Gross margin | - |
| Net margin | - |
| ROA | -32.8% |
| ROE | -34.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (24 line items)
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €6.66M |
| Fixed assets | 21/28 | €3.43M |
| Intangible fixed assets | 21 | €1.83M |
| Tangible fixed assets | 22/27 | €32k |
| Financial fixed assets | 28 | €1.57M |
| Current assets | 29/58 | €3.23M |
| Amounts receivable within one year | 40/41 | €302k |
| Investments | 50/53 | €2.48M |
| Cash & bank | 54/58 | €434k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €6.66M |
| Equity | 10/15 | €6.38M |
| Contributions / capital | 10/11 | €14.31M |
| Accumulated profits (losses) | 14 | €-7.93M |
| Amounts payable | 17/49 | €276k |
| Amounts payable within one year | 42/48 | €276k |
| Trade debts payable within one year | 44 | €228k |
| Income statement | ||
| Gross operating margin | 9900 | €-1.47M |
| Operating result | 9901 | €-2.10M |
| Financial income | 75 | €254k |
| Financial charges | 65 | €371k |
| Result before taxes | 9903 | €-2.22M |
| Income taxes | 67/77 | €-35k |
| Net result for the period | 9904 | €-2.18M |
| Result to be appropriated | 9905 | €-2.18M |
-
Benjamin Solomon FormanDirectorState Gazette act 23156196 (06-12-2023)Current06-12-2023 → present
| NACE primary | Ontwerpen van computerprogramma’s(62100) |
| Legal form | Private limited company(610) |
| Incorporation | 10-11-2021 |
| Status | Active |
| Postal code | 2000 |
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D3488/00S006 | Flanders | 1,920 m² | 1 · 422 m² | 9.2 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
18-09-2025 Capital increase of €24,079.10 to €24,079.10
- €0 → €24.079,10
- Inbreng in geld · Apport en numéraire
Technical details
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"notary": {
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}06-12-2023 4 directors appointed
- Benjamin Solomon Forman, Bestuurder
- David Dessers, Dagelijks bestuur
- Glenn L'hoëst, Dagelijks bestuur
- Lukas Salden, Dagelijks bestuur
Technical details
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"pub_date": "2023-12-06",
"filing_date": "2023-11-23",
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}07-07-2023 Registered office moved within Antwerpen
- RIEMSTRAAT 35 BUS 101 - 2000 ANTWERPEN → Scheldestraat 11-2000 Antwerpen
Technical details
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}21-01-2022 Transaction in capital or shares
Technical details
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"ibr_number": "B00724",
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"individual_name": "Karel Nijs"
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}| Legal nameNL | Credix Finance |
| AbbreviationNL | Credix |