Creficom
ActiveSummary
Creficom has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.54M and a net result of €998k. Equity is shrinking by ~4.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+68
Solvency100▲+29
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 40.38 against 5.64 in 2024; short-term debt: 2.5% and cash: 2.6% of total assets), and 2.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
97.5%
Return on assets
63.2%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
182122232425
2018 to 2025 · latest year €1.54M
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
8 d late
2023
6 d late
2022
7 d late
2021
2 d late
2020
19 d late
2019
18 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€998k
2024 · €-26k
Working capital
€1.54M▲ 634%
2024 · €210k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-32k-€-34k▼ 6.7%€-18k▲ 46.0%€-16k▲ 10.9%€-7k▲ 55.1%
Net result€-29k-€-40k▼ 41.0%€-28k▲ 29.4%€-26k▲ 9.3%€998k
Equity€636k-€596k▼ 6.3%€568k▼ 4.8%€542k▼ 4.5%€1.54M▲ 184%
Total assets€1.94M-€1.52M▼ 21.6%€1.20M▼ 20.9%€1.17M▼ 3.0%€1.58M▲ 35.3%
Debt€1.30M-€924k▼ 29.1%€635k▼ 31.3%€625k▼ 1.6%€39k▼ 93.7%
Working capital€1.01M-€565k▼ 44.0%€275k▼ 51.2%€210k▼ 23.8%€1.54M▲ 634%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €16k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.58M
Equity
€1.54M ▲ 184%
Debt
€39k ▼ 93.7%
Debt's share of the balance-sheet total falls from 53.6% to 2.5%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
40.38▲
2024 · 5.64
Debt to equity
0.03▼
2024 · 1.15
ROE
64.8%▲
2024 · -4.7%
ROA
63.2%▲
2024 · -2.2%
Debt ≤ 1 year
€39k▼
2024 · €45k
Income taxes
€19
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €2k | €136 | - | - | - |
| Non-recurring operating income76A | - | €2k | €136 | - | - | - |
| Operating charges60/66A | €32k | €35k | €18k | €16k | €7k | ▼ 55.1% |
| Services and other goods61 | €31k | €24k | €17k | €15k | €6k | ▼ 61.8% |
| Other operating charges640/8 | €365 | €1k | €1k | €691 | €1k | ▲ 98.4% |
| Non-recurring operating charges66A | - | €10k | - | €73 | - | - |
| Operating profit (loss)9901 | €-32k | €-34k | €-18k | €-16k | €-7k | ▲ 55.1% |
| Financial income75/76B | €35k | €15k | €5k | €3k | €1.01M | ▲ 30,111% |
| Recurring financial income75 | €35k | €15k | €5k | €3k | €1.01M | ▲ 30,111% |
| Income from current assets751 | €35k | €15k | €5k | €3k | €15k | ▲ 349% |
| Other financial income752/9 | €8 | €1 | €0 | - | €992k | - |
| Financial charges65/66B | €32k | €21k | €15k | €13k | €1k | ▼ 91.9% |
| Recurring financial charges65 | €32k | €21k | €15k | €13k | €1k | ▼ 91.9% |
| Debt charges650 | €32k | €21k | €15k | €13k | €1k | ▼ 91.9% |
| Other financial charges652/9 | €0 | €4 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €-29k | €-40k | €-28k | €-26k | €998k | ▲ 3,983% |
| Income taxes67/77 | - | - | - | - | €19 | - |
| Taxes670/3 | - | - | - | - | €19 | - |
| Profit (loss) for the period9904 | €-29k | €-40k | €-28k | €-26k | €998k | ▲ 3,983% |
| Profit (loss) for the period to be appropriated9905 | €-29k | €-40k | €-28k | €-26k | €998k | ▲ 3,983% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.94M | €1.52M | €1.20M | €1.17M | €1.58M | ▲ 35.3% |
| Fixed assets21/28 | €912k | €912k | €912k | €912k | - | - |
| Financial fixed assets28 | €912k | €912k | €912k | €912k | - | - |
| Affiliated companies280/1 | €912k | €912k | €912k | €912k | - | - |
| Participating interests280 | €912k | €912k | €912k | €912k | - | - |
| Current assets29/58 | €1.03M | €608k | €291k | €255k | €1.58M | ▲ 519% |
| Amounts receivable after more than one year29 | €115k | €15k | €20k | - | - | - |
| Trade receivables290 | €115k | €15k | €20k | - | - | - |
| Amounts receivable within one year40/41 | €743k | €489k | €229k | €201k | €1.53M | ▲ 660% |
| Trade receivables40 | €711k | €489k | €229k | €201k | €130k | ▼ 35.5% |
| Other amounts receivable41 | €32k | - | - | - | €1.40M | - |
| Current investments50/53 | €6k | €6k | €9k | €9k | €9k | ▲ 0.1% |
| Other investments51/53 | €6k | €6k | €9k | €9k | €9k | ▲ 0.1% |
| Cash at bank and in hand54/58 | €162k | €97k | €33k | €45k | €41k | ▼ 9.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.94M | €1.52M | €1.20M | €1.17M | €1.58M | ▲ 35.3% |
| Equity10/15 | €636k | €596k | €568k | €542k | €1.54M | ▲ 184% |
| Contributions10/11 | €375k | €375k | €375k | €375k | €375k | = |
| Capital10 | €375k | €375k | €375k | €375k | €375k | = |
| Issued capital100 | €375k | €375k | €375k | €375k | €375k | = |
| Reserves13 | €388k | €388k | €388k | €388k | €388k | = |
| Non-distributable reserves130/1 | €38k | €38k | €38k | €38k | €38k | = |
| Legal reserve130 | €38k | €38k | €38k | €38k | €38k | = |
| Distributable reserves133 | €350k | €350k | €350k | €350k | €350k | = |
| Profit (loss) carried forward14 | €-126k | €-167k | €-195k | €-221k | €778k | ▲ 452% |
| Amounts payable17/49 | €1.30M | €924k | €635k | €625k | €39k | ▼ 93.7% |
| Amounts payable after more than one year17 | €1.27M | €874k | €618k | €580k | - | - |
| Other amounts payable178/9 | €1.27M | €874k | €618k | €580k | - | - |
| Amounts payable within one year42/48 | €17k | €43k | €15k | €45k | €39k | ▼ 13.4% |
| Financial debts43 | - | - | €36 | - | - | - |
| Credit institutions430/8 | - | - | €36 | - | - | - |
| Trade debts44 | - | - | - | - | €1k | - |
| Suppliers440/4 | - | - | - | - | €1k | - |
| Other amounts payable47/48 | €17k | €43k | €15k | €45k | €38k | ▼ 16.3% |
| Accrued charges and deferred income492/3 | €18k | €7k | €2k | €109 | €62 | ▼ 43.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-29k | €-40k | €-28k | €-26k | €998k | ▲ 3,983% |
| Operating cash flow (approximation) | €-29k | €-40k | €-28k | €-26k | €998k | ▲ 3,983% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - | - |
| Change in cash | - | €-65k | €-64k | €12k | €-4k | ▼ 135% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 7 days late
2025
31-12
Financial
Back to profitnet €998k
Net result €998k after 5 loss-making years.
31-12
Financial
Liquidity times 7current ratio 40.38
Current ratio from 5.64 to 40.38; short-term debt falls from €45k to €39k.
31-12
Financial
Equity above €1MEq €1.54M ▲184%
Equity rises from €542k to €1.54M.
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 8 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 6 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 7 days late
2022
31-12
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
31-12
Financial
Liquidity times 7current ratio 59.49
Current ratio from 8.27 to 59.49; short-term debt falls from €141k to €17k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
Show earlier events
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
8 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, Herve · 1 establishment unit since 1973
Ground area
1.4 ha
Building footprint
8,952 m²
Volume, LiDAR
62,224 m³
Parcel 63014A0644/00C000, Wallonia · tallest building 15.7 m, ±2 floors. Linked by address, not a title deed.
37
companies at this address
See who is registered here
1 establishment unit
Avenue du Parc 22, 4650 Herve
since 19732.008.090.139
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63014A0644/00C000 | Wallonia | 1.4 ha | 1 · 8,952 m² | 15.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPublic limited company
Founded28-02-1973
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.