CREDUM
ActiveCREDUM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €312k and a net result of €55k. Equity is growing by ~30.9% per year across the filed fiscal years. Its solvency ranks better than 58% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▼-11
Solvency66▲+3
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity short (current ratio 0.11 against 0.15 in 2024), and 35.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.1%
Return on assets
11.4%
Age of the figures
8 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
15 d early
2023
7 d early
2022
31 d early
2021
61 d late
2020
23 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€312k▲ 21.6%
2024 · €257k
2020: €57k
2021: €94k
2022: €148k
2023: €202k
2024: €257k
2020 → 2025
Total assets
€487k▼ 0.5%
2024 · €489k
2020: €559k
2021: €525k
2022: €509k
2023: €495k
2024: €489k
2020 → 2025
Net result
€55k▲ 1.6%
2024 · €55k
2020: €55k
2021: €37k
2022: €55k
2023: €54k
2024: €55k
2020 → 2025
Working capital
€-94k▼ 19.4%
2024 · €-79k
2020: €-129k
2021: €-83k
2022: €-44k
2023: €-63k
2024: €-79k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€148k▲ 58.1%€202k▲ 36.3%€257k▲ 26.9%€312k▲ 21.6%
Operating result€60k-€88k▲ 45.5%€87k▼ 1.0%€89k▲ 2.3%€88k▼ 0.9%
Net result€37k-€55k▲ 48.3%€54k▼ 1.3%€55k▲ 1.2%€55k▲ 1.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €487k
Fixed assets
€475k=
Current assets
€12k▼ 16.1%
Equity and liabilities €487k
Equity
€312k▲ 21.6%
Debt
€175k▼ 24.8%
The debt ratio falls from 47.5% to 35.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
64.1%▲
2024 · 52.5%
Current ratio
0.11▼
2024 · 0.15
Quick ratio
0.11▼
2024 · 0.15
Debt / equity
0.56▼
2024 · 0.91
ROE
17.7%▼
2024 · 21.2%
ROA
11.4%▲
2024 · 11.1%
Debt
€175k▼
2024 · €233k
Debt ≤ 1 year
€106k▲
2024 · €93k
Debt > 1 year
€66k▼
2024 · €134k
Income taxes
€27k▲
2024 · €26k
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€489k€487k▼
Fixed assets21/28€475k€475k=
Financial fixed assets28€475k€475k=
Current assets29/58€14k€12k▼
Amounts receivable within one year40/41€11k€11k=
Trade receivables40€11k€11k=
Other amounts receivable41€66€64▼
Cash at bank and in hand54/58€3k€829▼
Equity and liabilities
Total equity and liabilities10/49€489k€487k▼
Equity10/15€257k€312k▲
Contributions10/11€2k€2k=
Reserves13€255k€310k▲
Distributable reserves133€255k€310k▲
Amounts payable17/49€233k€175k▼
Amounts payable after more than one year17€134k€66k▼
Financial debts170/4€134k€66k▼
Amounts payable within one year42/48€93k€106k▲
Current portion of amounts payable after more than one year42€61k€61k▲
Trade debts44€2k€972▼
Suppliers440/4€2k€972▼
Taxes, remuneration and social security45€9k€12k▲
Taxes450/3€9k€12k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€21k€32k▲
Accrued charges and deferred income492/3€5k€2k▼
Income statement
Code20242025
Other operating charges640/8€387€1k▲
Gross operating margin9900€90k€90k▲
Operating profit (loss)9901€89k€88k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€80k€82k▲
Income taxes67/77€26k€27k▲
Profit (loss) for the period9904€55k€55k▲
Profit (loss) for the period to be appropriated9905€55k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€55k▲
Transfer to equity691/2€55k€55k▲
To other reserves6921€55k€55k▲
The notes to these accounts (7 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €55k ▲1.6%
Net result €55k, the highest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €202k ▲36.3%
4 profitable years in a row build equity to €202k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €148k ▲58.1%
3 profitable years in a row build equity to €148k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €37k ▼33.3%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zwevegem · 1 establishment unit since 2019
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.
Populierenlaan(O) 68553 ZwevegemGround area
2,375 m²
Building footprint
344 m²
Volume, LiDAR
1,033 m³
Parcel 34030A0859/00Z000, Flanders · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CREDUM
since 20192.298.259.206
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34030A0859/00Z000 | Flanders | 2,375 m² | 1 · 344 m² | 5.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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METCH
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QUALITANCE
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 37,787 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.