CREDUM
ActiveSummary
CREDUM has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €312,211 and a net result of €55,395. Equity is growing by about 31% per year across the filed financial years. Its solvency ranks better than 58% of 38,895 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Financials · financial year 2025, micro format
Source amounts without an identifiable currency are assumed to be EUR.
2021 to 2025, 5 financial years 2020 to 2025, 6 financial years
The operating result falls in 2025; 2025 is 1% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 70, Activities of head offices; management consultancy activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €0 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,086 | €0 | - | - | - | - | - |
| Other operating charges640/8 | - | €548 | €637 | €499 | €387 | €1,388 | ▲ 258% |
| Gross operating margin9900 | €80,433 | €61,025 | €88,642 | €87,663 | €89,594 | €89,828 | ▲ 0.3% |
| Operating profit (loss)9901 | €78,891 | €60,477 | €88,005 | €87,164 | €89,206 | €88,440 | ▼ 0.9% |
| Financial income75/76B | - | - | €403 | €685 | €0 | €0 | - |
| Recurring financial income75 | €0 | - | €403 | €685 | €0 | €0 | - |
| Financial charges65/66B | - | €8,002 | €7,812 | €8,317 | €8,777 | €6,406 | ▼ 27.0% |
| Recurring financial charges65 | €3,869 | €8,002 | €7,812 | €8,317 | €8,777 | €6,406 | ▼ 27.0% |
| Profit (loss) for the period before taxes9903 | €75,021 | €52,475 | €80,597 | €79,531 | €80,430 | €82,034 | ▲ 2.0% |
| Income taxes67/77 | €19,892 | €15,680 | €26,042 | €25,699 | €25,924 | €26,639 | ▲ 2.8% |
| Profit (loss) for the period9904 | €55,129 | €36,795 | €54,555 | €53,832 | €54,505 | €55,395 | ▲ 1.6% |
| Profit (loss) for the period to be appropriated9905 | €55,129 | €36,795 | €54,555 | €53,832 | €54,505 | €55,395 | ▲ 1.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €559,039 | €525,024 | €509,321 | €494,745 | €489,437 | €487,143 | ▼ 0.5% |
| Formation expenses20 | €0 | - | - | - | - | - | - |
| Fixed assets21/28 | €475,200 | €475,200 | €475,200 | €475,200 | €475,200 | €475,200 | = |
| Intangible fixed assets21 | €0 | - | - | - | - | - | - |
| Financial fixed assets28 | €475,200 | €475,200 | €475,200 | €475,200 | €475,200 | €475,200 | = |
| Current assets29/58 | €83,839 | €49,824 | €34,121 | €19,545 | €14,237 | €11,943 | ▼ 16.1% |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - | - |
| Amounts receivable within one year40/41 | €82,901 | €38,049 | €21,647 | €16,940 | €11,116 | €11,114 | = |
| Trade receivables40 | - | €12,969 | €0 | €6,050 | €11,050 | €11,050 | = |
| Other amounts receivable41 | - | €25,079 | €21,647 | €10,890 | €66 | €64 | ▼ 1.9% |
| Current investments50/53 | €0 | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €939 | €11,775 | €12,475 | €2,605 | €3,122 | €829 | ▼ 73.5% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €559,039 | €525,024 | €509,321 | €494,745 | €489,437 | €487,143 | ▼ 0.5% |
| Equity10/15 | €57,129 | €93,924 | €148,478 | €202,311 | €256,816 | €312,211 | ▲ 21.6% |
| Contributions10/11 | - | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €55,129 | €91,924 | €146,478 | €200,311 | €254,816 | €310,211 | ▲ 21.7% |
| Distributable reserves133 | - | €91,924 | €146,478 | €200,311 | €254,816 | €310,211 | ▲ 21.7% |
| Profit (loss) carried forward14 | €0 | - | - | - | - | - | - |
| Amounts payable17/49 | €501,910 | €431,101 | €360,843 | €292,434 | €232,621 | €174,932 | ▼ 24.8% |
| Amounts payable after more than one year17 | €289,465 | €295,979 | €276,908 | €205,246 | €133,986 | €66,120 | ▼ 50.7% |
| Financial debts170/4 | - | €295,979 | €276,908 | €205,246 | €133,986 | €66,120 | ▼ 50.7% |
| Amounts payable within one year42/48 | €212,445 | €132,802 | €77,992 | €82,685 | €93,345 | €106,365 | ▲ 13.9% |
| Current portion of amounts payable after more than one year42 | - | €57,182 | €57,767 | €60,112 | €60,710 | €61,282 | ▲ 0.9% |
| Trade debts44 | €532 | €1,261 | €1,545 | €3,421 | €2,414 | €972 | ▼ 59.8% |
| Suppliers440/4 | - | €1,261 | €1,545 | €3,421 | €2,414 | €972 | ▼ 59.8% |
| Taxes, remuneration and social security45 | - | €21,342 | €17,505 | €11,569 | €8,847 | €12,147 | ▲ 37.3% |
| Taxes450/3 | - | €19,162 | €15,107 | €10,611 | €8,847 | €12,147 | ▲ 37.3% |
| Remuneration and social security454/9 | - | €2,180 | €2,398 | €958 | €0 | - | - |
| Other amounts payable47/48 | - | €53,016 | €1,175 | €7,582 | €21,375 | €31,965 | ▲ 49.5% |
| Accrued charges and deferred income492/3 | - | €2,320 | €5,942 | €4,503 | €5,290 | €2,447 | ▼ 53.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €55,129 | €36,795 | €54,555 | €53,832 | €54,505 | €55,395 | ▲ 1.6% |
| + Depreciation and write-downs630 | €1,086 | €0 | - | - | - | - | - |
| Operating cash flow (approximation) | €56,215 | €36,795 | €54,555 | €53,832 | €54,505 | €55,395 | ▲ 1.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €10,837 | €699 | -€9,870 | €517 | -€2,293 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-07-2026 | 2026-00375345 |
| 31-12-2024 | micro format | 16-07-2025 | 2025-00287752 |
| 31-12-2023 | micro format | 24-07-2024 | 2024-00291334 |
| 31-12-2022 | micro format | 30-06-2023 | 2023-00194866 |
| 31-12-2021 | micro format | 30-09-2022 | 2022-20447829 |
| 31-12-2020 | abbreviated format | 08-07-2021 | 2021-33500310 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.