crefi conseils
crefi conseils is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €309k and a net result of €175k. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 35 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €309k |
| Net result | €175k |
| Staff (FTE) | 9.9 |
| Better than sector | 56% |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
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 | 46.1% | 41.0% | |
| Net result | €175k | €28k | |
| Equity | €309k | €374k | |
| Total assets | €670k | €1.07M |
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Deposit | full schema | full schema | full schema |
| Revenue | n/a | n/a | n/a |
| EBITDA | n/a | n/a | n/a |
| Net profit | €175k | €102k | €-74k |
| Cash flow | n/a | n/a | n/a |
| Staff costs | €434k | €483k | €470k |
| Income taxes | €86k | €68k | €3k |
| Dividends | €130k | - | - |
| Total assets | €670k | €1.04M | €1.19M |
| Equity | €309k | €264k | €162k |
| Debt | €361k | €780k | €1.03M |
| of which ≤ 1y | €118k | €297k | €323k |
| of which > 1y | €243k | €482k | €706k |
| Working capital | n/a | n/a | n/a |
| Employees (FTE) | 9.9 | 9.3 | 10.9 |
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Working capital ratio | n/a | n/a | n/a |
| Solvency | 46.1% | 25.3% | 13.6% |
| Debt / equity | n/a | n/a | n/a |
| Long-term debt ratio | n/a | n/a | n/a |
| Interest coverage | n/a | n/a | n/a |
| Gross margin | n/a | n/a | n/a |
| Net margin | n/a | n/a | n/a |
| ROA | 26.2% | 9.8% | -6.2% |
| ROE | 56.7% | 38.6% | -45.4% |
| EBITDA margin | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days payable outstanding | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Days inventory (DSI) | n/a | n/a | n/a |
Full annual accounts (25 line items)
| Line item | Code | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €670k | €1.04M | €1.19M |
| Fixed assets | 21/28 | €408k | €674k | €876k |
| Intangible fixed assets | 21 | €375k | €646k | €829k |
| Tangible fixed assets | 22/27 | €32k | €28k | €47k |
| Financial fixed assets | 28 | €360 | €360 | €360 |
| Current assets | 29/58 | €263k | €370k | €316k |
| Amounts receivable within one year | 40/41 | €55k | €109k | €143k |
| Cash & bank | 54/58 | €200k | €255k | €121k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €670k | €1.04M | €1.19M |
| Equity | 10/15 | €309k | €264k | €162k |
| Contributions / capital | 10/11 | €19k | €19k | €19k |
| Reserves | 13 | €2k | €2k | €2k |
| Accumulated profits (losses) | 14 | €289k | €243k | €142k |
| Amounts payable | 17/49 | €361k | €780k | €1.03M |
| Amounts payable after one year | 17 | €243k | €482k | €706k |
| Amounts payable within one year | 42/48 | €118k | €297k | €323k |
| Trade debts payable within one year | 44 | €20k | €38k | €108k |
| Income statement | ||||
| Gross operating margin | 9900 | €885k | €877k | €637k |
| Operating result | 9901 | €274k | €184k | €-52k |
| Financial income | 75 | €2k | €408 | €0 |
| Financial charges | 65 | €14k | €15k | €18k |
| Result before taxes | 9903 | €262k | €169k | €-70k |
| Income taxes | 67/77 | €86k | €68k | €3k |
| Net result for the period | 9904 | €175k | €102k | €-74k |
| Result to be appropriated | 9905 | €175k | €102k | €-74k |
| NACE primary | Insurance agents and brokers(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 05-04-2006 |
| Status | Active |
| Postal code | 6000 |
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25091C0830/00B000 | Wallonia | 4,511 m² | 1 · 1,792 m² | 19.2 m · 4 fl. |
| 55015A0111/00D024 | Wallonia | 957 m² | 1 · 73 m² | 10.7 m · 3 fl. |
| 53059A0281/00T002 | Wallonia | 520 m² | - | - |
| 52011B0239/00L176 | Wallonia | 419 m² | 1 · 346 m² | 32.2 m · 10 fl. |
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
21-05-2025 Discharge granted to the board
Technical details
{
"events": [
{
"kind": "decharge_granted",
"role": "administrateur",
"person": {
"rrn": null,
"name": "Renaud Ramakers",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": null,
"subkind": null,
"via_org": null,
"statutory": null,
"compensated": null,
"effective_date": null,
"evidence_quote": "La d\u00E9mission est accept\u00E9e \u00E0 l\u0027unanimit\u00E9, d\u00E9charge pleine et enti\u00E8re iui est accord\u00E9e pour l\u0027exercice de son",
"decharge_status": "granted",
"mandate_duration": null,
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": null
}
],
"notary": {
"name": "Goffier",
"firm_city": null,
"firm_name": null,
"office_city": "Charleroi",
"is_associated": false
},
"act_meta": {
"language": "fr",
"pub_date": null,
"filing_date": "2025-05-13",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decisions": [
{
"body": "assembl\u00E9e g\u00E9n\u00E9rale extraordinaire",
"date": "2025-04-28",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0880.496.813",
"name_full": "CREFI CONSEILS",
"legal_form": "SRL",
"_kbo_filled_from_list": true
},
"publication_proxy": {
"kind": "org",
"org_kbo": null,
"org_name": "Demoor Invest SRL",
"person_name": null,
"org_rep_person_name": "Bastien Demoor",
"person_role_at_subject": null
},
"co_filed_documents": [],
"corrected_publication_numac": null
}| Legal nameFR | crefi conseils |