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CREDO CONSULTING

Active
Public limited companyfounded 2001active for 25 yearsOudestraat 113, 2630 Aartselaar, BelgiumKBO/BCE: BE 0474.057.113
Summary

CREDO CONSULTING has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €857,054 and a net result of €148,414. Equity is growing by about 5.9% per year across the filed financial years. Its solvency ranks better than 49% of 3,369 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
CREDO CONSULTINGActiveChecked score 91/100
Risk analysis ReportCompare

Overview

Activity
Computer programming
NACE 62100Computer consultancy and computer facilities management NACE 62200
5th largest company by total assets in Aartselaar, Telecoms and IT sector1 site
Size
€1.9mtotal assets 2025
Equity
€857,054
Profit
€148,414
Turnover not published (abbreviated or micro format)
Financial health
91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
2025 accounts 44 days early1 of 6 deeds summarised
Why 91raises riskFigures for financial year 2025 (filed 17-09-2025)lowers riskSize: total assets €1.9mSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 0.56, cash €323,257Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 31% of its sector peers (NACE 62, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 70-19
equity 45.3% of total assets
Liquidity 49-14
short-term debt 46.4% · cash 17.1%
Profitability 79=
return on assets 7.8%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,870 companies, NACE 62, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026lowest value 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: 0.1%▲ +0.1 percentage points vs 09-2026highest value
Credit of up to €75,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.56, compared with 0.97 in 2024, below 1; short-term debt: 46.4% and cash: 17.1% of total assets), and 54.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 39% on solvency, 23% on liquidity, 38% on profitability and 22% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €1.9m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Figures for financial year 2025 (filed 17-09-2025)
NBB · annual accounts
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Liquidity: current ratio 0.56, cash €323,257
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 17-09-2025, 44 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
44 days early
2024
9 days early
2023
50 days early
2022
33 days early
2021
5 days early
2020
45 days early
2019
42 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 33 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-03-2026 is due by 31-10-2026. Nothing is late today. The company usually files around 28 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-03-2026 year end24-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Reappointments: Stefan Buyst, Denise van Geel…Gazette deed
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Key points

  • Positive: Among the best 15% on equitysector median €129,956 · 3,370 companies €857,054 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €148,414 7 years View
  • Caution: Equity fell in 2025from €1.2m to €857,054 ▼ 26.2% View

By topic

Financials

Financial year
2025
Total assets
€1.9m
Profit
€148,414
Solvency
45.3%
Go to Financials

Board & ownership

Board
3 members
  • Denise van GeelDirector
  • Greta DensDirector
  • Stefan BuystManaging director
Go to Board & ownership

Timeline

Events
28
Since
2003
Next accounts
by 31-10-2026
  1. 11-09-2023Annual accounts filed
  2. 31-03-2023Equity above €1m
  3. 28-09-2022Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Computer programmingNACE 62100
Founded
13-02-2001
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

Key facts about CREDO CONSULTING

What is the company number of CREDO CONSULTING?
0474.057.113. In Belgium the VAT number is the company number with BE in front: BE 0474.057.113.
Where is CREDO CONSULTING based?
The registered office is at Oudestraat 113, 2630 Aartselaar.Company details
What does CREDO CONSULTING do?
According to the KBO register, the main activity is computer programming (NACE 62100).
What is the legal form of CREDO CONSULTING?
Public limited company (NV).
When was CREDO CONSULTING founded?
On 13-02-2001.
Is CREDO CONSULTING still active?
Yes, CREDO CONSULTING is an active enterprise in the KBO register.
How many employees does CREDO CONSULTING have?
On average 1.3 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of CREDO CONSULTING?
€1.2m in financial year 2019, according to the filed annual accounts.
Is CREDO CONSULTING profitable?
In financial year 2025, CREDO CONSULTING made a profit of €148,414.
Where can I find the annual accounts of CREDO CONSULTING?
CREDO CONSULTING filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CREDO CONSULTING due?
By 31-10-2026, for financial year 2026.Timeline

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