Summary
CREFIUS 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 €18.46M and a net result of €5.09M. Equity is shrinking by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 2394 sector peers (fiscal year 2025). The company has been active since 1911 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 26-03-2026, 127 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
127 d early
2024
126 d early
2023
106 d early
2022
102 d early
2021
125 d early
2020
131 d early
2019
106 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€18.46M▲ 3.4%
2024 · €17.85M
2018: €49.95M
2019: €43.07M
2020: €42.94M
2021: €16.28M
2022: €17.54M
2023: €17.93M
2024: €17.85M
2018 → 2025
Net result
€5.09M▲ 23.8%
2024 · €4.11M
2018: €9.32M
2019: €7.62M
2020: €6.77M
2021: €6.02M
2022: €6.15M
2023: €3.19M
2024: €4.11M
2018 → 2025
Total assets
€28.09M▼ 2.0%
2024 · €28.67M
2018: €59.06M
2019: €62.28M
2020: €54.77M
2021: €29.03M
2022: €28.42M
2023: €25.83M
2024: €28.67M
2018 → 2025
Solvency
65.7%▲ 3.4pp
2024 · 62.3%
2018: 84.6%
2019: 69.2%
2020: 78.4%
2021: 56.1%
2022: 61.7%
2023: 69.4%
2024: 62.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€33.94M-€33.34M▼ 1.8%€32.35M▼ 3.0%€35.47M▲ 9.7%€36.92M▲ 4.1%
Equity€16.28M-€17.54M▲ 7.7%€17.93M▲ 2.2%€17.85M▼ 0.4%€18.46M▲ 3.4%
Operating result€8.35M-€8.48M▲ 1.5%€4.32M▼ 49.0%€5.54M▲ 28.1%€6.74M▲ 21.7%
Net result€6.02M-€6.15M▲ 2.3%€3.19M▼ 48.1%€4.11M▲ 28.7%€5.09M▲ 23.8%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28.09M
Fixed assets
€12.72M ▲ 5.8%
Current assets
€15.37M ▼ 7.7%
Equity and liabilities €28.09M
Equity
€18.46M ▲ 3.4%
Provisions
€809k ▼ 25.0%
Debt
€8.82M ▼ 9.4%
Debt's share of the balance-sheet total falls from 34.0% to 31.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
27.6%▲
2024 · 23.0%
ROA
18.1%▲
2024 · 14.3%
Debt ≤ 1 year
€8.72M▼
2024 · €9.66M
Income taxes
€1.86M▲
2024 · €1.66M
Staff costs
€17.45M▲
2024 · €16.59M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 77 lines
Balance sheet
Code20242025
Assets
Total assets20/58€28.67M€28.09M▼
Fixed assets21/28€12.01M€12.72M▲
Intangible fixed assets21€7.90M€8.78M▲
Tangible fixed assets22/27€4.10M€3.92M▼
Land and buildings22€2.82M€2.79M▼
Plant, machinery and equipment23€331k€286k▼
Furniture and vehicles24€922k€816k▼
Other tangible fixed assets26€33k€26k▼
Financial fixed assets28€10k€10k=
Other financial fixed assets284/8€10k€10k=
Shares284€7k€7k=
Amounts receivable and cash guarantees285/8€3k€3k=
Current assets29/58€16.65M€15.37M▼
Amounts receivable within one year40/41€3.81M€3.04M▼
Trade receivables40€3.10M€2.41M▼
Other amounts receivable41€707k€627k▼
Current investments50/53€5.00M€5.00M=
Other investments51/53€5.00M€5.00M=
Cash at bank and in hand54/58€7.43M€6.92M▼
Deferred charges and accrued income490/1€409k€412k▲
Equity and liabilities
Total equity and liabilities10/49€28.67M€28.09M▼
Equity10/15€17.85M€18.46M▲
Contributions10/11€2.50M€2.50M=
Capital10€2.50M€2.50M=
Issued capital100€2.50M€2.50M=
Reserves13€14.53M€14.24M▼
Non-distributable reserves130/1€250k€250k=
Legal reserve130€250k€250k=
Tax-exempt reserves132€1.04M€748k▼
Distributable reserves133€13.24M€13.24M=
Profit (loss) carried forward14€813k€1.72M▲
Provisions and deferred taxes16€1.08M€809k▼
Provisions for liabilities and charges160/5€731k€559k▼
Other liabilities and charges164/5€731k€559k▼
Deferred taxes168€347k€249k▼
Amounts payable17/49€9.74M€8.82M▼
Amounts payable within one year42/48€9.66M€8.72M▼
Trade debts44€1.07M€1.06M▼
Suppliers440/4€1.07M€1.06M▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€3.10M€3.17M▲
Taxes450/3€453k€596k▲
Remuneration and social security454/9€2.64M€2.58M▼
Other amounts payable47/48€5.49M€4.48M▼
Accrued charges and deferred income492/3€83k€107k▲
Income statement
Code20242025
Operating income70/76A€36.25M€37.44M▲
Turnover70€35.47M€36.92M▲
Other operating income74€651k€492k▼
Non-recurring operating income76A€128k€27k▼
Operating charges60/66A€30.72M€30.70M=
Services and other goods61€12.40M€11.56M▼
Remuneration, social security and pensions62€16.59M€17.45M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.70M€1.79M▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-78k€-172k▼
Other operating charges640/8€69k€70k▲
Non-recurring operating charges66A€44k€443▼
Operating profit (loss)9901€5.54M€6.74M▲
Financial income75/76B€154k€118k▼
Recurring financial income75€154k€118k▼
Income from financial fixed assets750€723€725▲
Income from current assets751€153k€117k▼
Financial charges65/66B€12k€13k▲
Recurring financial charges65€12k€13k▲
Debt charges650€12k€13k▲
Profit (loss) for the period before taxes9903€5.68M€6.85M▲
Transfer from deferred taxes780€93k€98k▲
Income taxes67/77€1.66M€1.86M▲
Taxes670/3€1.66M€1.89M▲
Tax adjustments and reversals of tax provisions77€0€33k▲
Profit (loss) for the period9904€4.11M€5.09M▲
Transfer from tax-exempt reserves789€278k€294k▲
Profit (loss) for the period to be appropriated9905€4.39M€5.38M▲
Appropriation of the result
Profit (loss) to be appropriated9906€5.00M€6.19M▲
Profit (loss) brought forward from the previous period14P€615k€813k▲
Profit to be distributed694/7€4.19M€4.48M▲
Return on contributions (dividend)694€4.19M€4.48M▲
Social balance
Average headcount (FTE)9087191.9197.4▲
The notes to these accounts (70 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
24-08
State Gazette act
Reappointment: Johan Van Loock (director)Appointment: Deloitte (statutory auditor) · Auditor non renewal4 facts ▸
State Gazette act
Reappointment: Johan Van Loock (director)
Appointment: Deloitte (statutory auditor) · Auditor non renewal4 facts ▸
- Board meeting
- Director reappointment, Johan Van Loock (director)
- Auditor appointment, Deloitte (statutory auditor)
- Auditor non renewal, commissaris, maart 2026 (AGM)
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
19-02
State Gazette act
Resignations: Camille Gillon (director) and Philippe Demazy (director)Appointments: Mia Neyens (gecoöpteerd bestuurder) and Daniel Menu (gecoöpteerd bestuurder)4 facts ▸
State Gazette act
Resignations: Camille Gillon (director) and Philippe Demazy (director)
Appointments: Mia Neyens (gecoöpteerd bestuurder) and Daniel Menu (gecoöpteerd bestuurder)4 facts ▸
- Director resignation, Camille Gillon (director)
- Director appointment, Mia Neyens (gecoöpteerd bestuurder)
- Director resignation, Philippe Demazy (director)
- Director appointment, Daniel Menu (gecoöpteerd bestuurder)
2025
06-10
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term33 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term33 facts ▸
- Power of attorney, Marleen VAN ASSCHE
- Power of attorney, Jan VAN DAMME
- Power of attorney, Eve RENNEBOOG
- Power of attorney, Mariann SPIESSENS
- Power of attorney, Aagje LEFEBVRE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Geert VANDYCKE
- Power of attorney, Peter LYCKE
- Power of attorney, Cédric SCOHY
- Power of attorney, Denis MICHAUX
- Power of attorney, Joëlle FRANCOIS
- +21 further facts in this act
26-09
State Gazette act
MiscellaneousPower of attorney · Mandate term33 facts ▸
State Gazette act
Miscellaneous
Power of attorney · Mandate term33 facts ▸
- Power of attorney, Marleen VAN ASSCHE
- Power of attorney, Jan VAN DAMME
- Power of attorney, Eve RENNEBOOG
- Power of attorney, Mariann SPIESSENS
- Power of attorney, Aagje LEFEBVRE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Geert VANDYCKE
- Power of attorney, Peter LYCKE
- Power of attorney, Cédric SCOHY
- Power of attorney, Denis MICHAUX
- Power of attorney, Joëlle FRANCOIS
- +21 further facts in this act
26-06
State Gazette act
Reappointment: Falepin Pieter (director)1 fact ▸
State Gazette act
Reappointment: Falepin Pieter (director)
1 fact ▸
- Director reappointment, Falepin Pieter (director)
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
17-01
State Gazette act
Resignation: Ilse Spinnael (director and chair)Appointments: Pieter Falepin (chair) and Camille Gillon (gecoöpteerd bestuurder)3 facts ▸
State Gazette act
Resignation: Ilse Spinnael (director and chair)
Appointments: Pieter Falepin (chair) and Camille Gillon (gecoöpteerd bestuurder)3 facts ▸
- Director resignation, Ilse Spinnael (director and chair)
- Director appointment, Pieter Falepin (chair)
- Director appointment, Camille Gillon (gecoöpteerd bestuurder)
2024
22-07
State Gazette act
Resignation: Aurélie Thiran (director)1 fact ▸
State Gazette act
Resignation: Aurélie Thiran (director)
1 fact ▸
- Director resignation, Aurélie Thiran (director)
16-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €3.19M ▼48.1%
Net result drops to €3.19M, the lowest in the series; recovery starts the following year.
22-09
State Gazette act
Resignation: François Gengoux (director)Appointment: Aurélie Thiran (gecoöpteerd bestuurder)2 facts ▸
State Gazette act
Resignation: François Gengoux (director)
Appointment: Aurélie Thiran (gecoöpteerd bestuurder)2 facts ▸
- Director resignation, François Gengoux (director)
- Director appointment, Aurélie Thiran (gecoöpteerd bestuurder)
Show earlier events
26-04
State Gazette act
Resignation: Delputz Arnaud (director)Appointment: Gengoux François (director)3 facts ▸
State Gazette act
Resignation: Delputz Arnaud (director)
Appointment: Gengoux François (director)3 facts ▸
- General meeting, 23/03/2023
- Director resignation, Delputz Arnaud (director)
- Director appointment, Gengoux François (director)
26-04
State Gazette act
Appointment: KPMG (statutory auditor)2 facts ▸
State Gazette act
Appointment: KPMG (statutory auditor)
2 facts ▸
- General meeting, 23/03/2023
- Auditor appointment, KPMG (statutory auditor)
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
State Gazette act
Resignation: Arnaud Delputz (director)Appointment: François Gengoux (gecoöpteerd bestuurder)2 facts ▸
State Gazette act
Resignation: Arnaud Delputz (director)
Appointment: François Gengoux (gecoöpteerd bestuurder)2 facts ▸
- Director resignation, Arnaud Delputz (director)
- Director appointment, François Gengoux (gecoöpteerd bestuurder)
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-07
State Gazette act
Appointment: Spinnael Ilse (chair of the board)1 fact ▸
State Gazette act
Appointment: Spinnael Ilse (chair of the board)
1 fact ▸
- Director appointment, Spinnael Ilse (chair of the board)
19-04
State Gazette act
Resignations: Gyselinck Dirk, Van Assche Marleen and 3 othersReappointments: Van Assche Marleen, Spinnael Ilse and 2 others · Appointment: Van Loock Johan (director)11 facts ▸
State Gazette act
Resignations: Gyselinck Dirk, Van Assche Marleen and 3 others
Reappointments: Van Assche Marleen, Spinnael Ilse and 2 others · Appointment: Van Loock Johan (director)11 facts ▸
- General meeting, 18/03/2021
- Director resignation, Gyselinck Dirk (director and chair of the board)
- Director resignation, Van Assche Marleen (director)
- Director resignation, Spinnael Ilse (director)
- Director resignation, Demazy Philippe (director)
- Director resignation, Delputz Arnaud (director)
- Director reappointment, Van Assche Marleen (director)
- Director reappointment, Spinnael Ilse (director)
- Director reappointment, Demazy Philippe (director)
- Director reappointment, Delputz Arnaud (director)
- Director appointment, Van Loock Johan (director)
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
10-03
State Gazette act
Appointment: Van Loock Johan (director)1 fact ▸
State Gazette act
Appointment: Van Loock Johan (director)
1 fact ▸
- Director appointment, Van Loock Johan (director)
08-03
State Gazette act
Appointment: KPMG Bedrijfsrevisoren BV/SRL (statutory auditor)Permanent representative: Vanessa Cordonnier · Resignation: Deloitte (statutory auditor)4 facts ▸
State Gazette act
Appointment: KPMG Bedrijfsrevisoren BV/SRL (statutory auditor)
Permanent representative: Vanessa Cordonnier · Resignation: Deloitte (statutory auditor)4 facts ▸
- General meeting, 19/03/2020
- Auditor appointment, KPMG Bedrijfsrevisoren BV/SRL (statutory auditor)
- Permanent representative, Vanessa Cordonnier
- Auditor resignation, Deloitte
26-01
State Gazette act
Appointment: KPMG (statutory auditor)Resignation: Deloitte (revisor)3 facts ▸
State Gazette act
Appointment: KPMG (statutory auditor)
Resignation: Deloitte (revisor)3 facts ▸
- General meeting, 19/03/2020
- Auditor appointment, KPMG (statutory auditor)
- Auditor resignation, Deloitte (revisor)
2020
21-08
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term31 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term31 facts ▸
- Power of attorney, Marleen VAN ASSCHE
- Power of attorney, Jan VAN DAMME
- Power of attorney, Eve RENNEBOOG
- Power of attorney, Mariann SPIESSENS
- Power of attorney, Aagje LEFEBVRE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Laurence LOISE
- Power of attorney, Geert VANDYCKE
- Power of attorney, Sophie DECLERCQ
- Power of attorney, Peter LYCKE
- Power of attorney, Catherine DELVAUX
- +19 further facts in this act
03-08
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term31 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term31 facts ▸
- Power of attorney, Marleen VAN ASSCHE
- Power of attorney, Jan VAN DAMME
- Power of attorney, Eve RENNEBOOG
- Power of attorney, Mariann SPIESSENS
- Power of attorney, Aagje LEFEBVRE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Laurence LOISE
- Power of attorney, Geert VANDYCKE
- Power of attorney, Sophie DECLERCQ
- Power of attorney, Peter LYCKE
- Power of attorney, Catherine DELVAUX
- +19 further facts in this act
16-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
13-12
State Gazette act
Statutes amendmentCapital3 facts ▸
State Gazette act
Statutes amendment
Capital3 facts ▸
- General meeting, 25/11/2019
- Statutes amendment
- Capital, €2.500.000
31-05
State Gazette act
Permanent representatives: Bernard De Meulemeester and Bart DewaelAccounting effect3 facts ▸
State Gazette act
Permanent representatives: Bernard De Meulemeester and Bart Dewael
Accounting effect3 facts ▸
- Permanent representative, Bernard De Meulemeester (vaste vertegenwoordiger van de commissaris)
- Permanent representative, Bart Dewael (vaste vertegenwoordiger van de commissaris)
- Accounting effect, 01/01/2019
19-04
State Gazette act
Resignations: Olivier Onclin (director) and Martine Gelissen (director)Appointments: Dirk Gyselinck (director) and Ilse Spinnael (director) · Reappointment: Pieter Falepin (director)6 facts ▸
State Gazette act
Resignations: Olivier Onclin (director) and Martine Gelissen (director)
Appointments: Dirk Gyselinck (director) and Ilse Spinnael (director) · Reappointment: Pieter Falepin (director)6 facts ▸
- General meeting, 21/03/2019
- Director resignation, Olivier Onclin (director)
- Director resignation, Martine Gelissen (director)
- Director appointment, Dirk Gyselinck (director)
- Director appointment, Ilse Spinnael (director)
- Director reappointment, Pieter Falepin (director)
17-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
08-01
State Gazette act
Resignation: Olivier Onclin (chair and director)Appointment: Dirk Gyselinck (director)3 facts ▸
State Gazette act
Resignation: Olivier Onclin (chair and director)
Appointment: Dirk Gyselinck (director)3 facts ▸
- Board meeting, 14/12/2018
- Director resignation, Olivier Onclin (chair and director)
- Director appointment, Dirk Gyselinck (director)
2018
20-06
State Gazette act
Resignation: Gelissen Martine (director)Appointment: Spinnael lise, Heike (director)3 facts ▸
State Gazette act
Resignation: Gelissen Martine (director)
Appointment: Spinnael lise, Heike (director)3 facts ▸
- Board meeting, 18/05/2018
- Director resignation, Gelissen Martine (director)
- Director appointment, Spinnael lise, Heike (director)
01-06
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 18/05/2018
- Registered-office move, 1210 Brussel (Sint-Joost-ten-Node), Karel Rogierplein 11
01-06
State Gazette act
Resignation: Smet Dirk (director)Appointment: Delputz Arnaud (director)3 facts ▸
State Gazette act
Resignation: Smet Dirk (director)
Appointment: Delputz Arnaud (director)3 facts ▸
- General meeting, 22/03/2018
- Director resignation, Smet Dirk (director)
- Director appointment, Delputz Arnaud (director)
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-10
State Gazette act
Resignation: Smet Dirk (director)Appointment: Delputz Arnaud (director)3 facts ▸
State Gazette act
Resignation: Smet Dirk (director)
Appointment: Delputz Arnaud (director)3 facts ▸
- Board meeting, 15/09/2017
- Director resignation, Smet Dirk (director)
- Director appointment, Delputz Arnaud (director)
04-05
State Gazette act
Appointment: Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)2 facts ▸
State Gazette act
Appointment: Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
2 facts ▸
- General meeting, 23/03/2017
- Auditor appointment, Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
20-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
19-05
State Gazette act
Appointments: Van Assche Marleen (director) and Gelissen Martine (director)3 facts ▸
State Gazette act
Appointments: Van Assche Marleen (director) and Gelissen Martine (director)
3 facts ▸
- General meeting, 24/03/2016
- Director appointment, Van Assche Marleen (director)
- Director appointment, Gelissen Martine (director)
11-02
State Gazette act
Appointment: Martine Gelissen (director)2 facts ▸
State Gazette act
Appointment: Martine Gelissen (director)
2 facts ▸
- Director appointment, Martine Gelissen (director)
- General meeting, 24/03/2016
2015
15-10
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term23 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term23 facts ▸
- Power of attorney, Marleen VAN ASSCHE
- Power of attorney, Laurence LOISE
- Power of attorney, Marian DEBUSSCHERE
- Power of attorney, Ignace DEPAEMELAERE
- Power of attorney, Joachim DERENNE
- Power of attorney, Martine DETHISE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Joëlle FRANCOIS
- Power of attorney, Nathalie HENNAUX
- Power of attorney, Etienne HUSDEN
- Power of attorney, Jean-Marie LAURENT
- +11 further facts in this act
07-10
State Gazette act
Resignations: Ottoy Jan (director) and Vandamme Jan (interim afgevaardigd bestuurder)Appointment: Van Assche Marleen (director)6 facts ▸
State Gazette act
Resignations: Ottoy Jan (director) and Vandamme Jan (interim afgevaardigd bestuurder)
Appointment: Van Assche Marleen (director)6 facts ▸
- Board meeting, 10/09/2015
- Director resignation, Ottoy Jan (director)
- Director resignation, Ottoy Jan (afgevaardigd bestuurder)
- Director appointment, Van Assche Marleen (director)
- Director appointment, Van Assche Marleen (afgevaardigd bestuurder)
- Director resignation, Vandamme Jan (interim afgevaardigd bestuurder)
10-08
State Gazette act
Resignation: Pieters Noël (afgevaardigd bestuurder)Appointments: Jan Ottoy (ad interim gedelegeerd bestuurder) and Vandamme Jan (day-to-day manager)4 facts ▸
State Gazette act
Resignation: Pieters Noël (afgevaardigd bestuurder)
Appointments: Jan Ottoy (ad interim gedelegeerd bestuurder) and Vandamme Jan (day-to-day manager)4 facts ▸
- Board meeting, 19/06/2015
- Director resignation, Pieters Noël (afgevaardigd bestuurder)
- Director appointment, Jan Ottoy (ad interim gedelegeerd bestuurder)
- Director appointment, Vandamme Jan (day-to-day manager)
05-08
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term22 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term22 facts ▸
- Power of attorney, Jan OTTOY
- Power of attorney, Laurence LOISE
- Power of attorney, Marian DEBUSSCHERE
- Power of attorney, Ignace DEPAEMELAERE
- Power of attorney, Joachim DERENNE
- Power of attorney, Martine DETHISE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Joelle FRANCOIS
- Power of attorney, Nathalie HENNAUX
- Power of attorney, Etienne HUSDEN
- Power of attorney, Jean-Marie LAURENT
- +10 further facts in this act
21-04
State Gazette act
Reappointments: Ottoy Jan, Pieters Noël and Demazy PhilippeAppointments: Onclin Olivier (voorzitter van de raad) and Smet Dirk (director)6 facts ▸
State Gazette act
Reappointments: Ottoy Jan, Pieters Noël and Demazy Philippe
Appointments: Onclin Olivier (voorzitter van de raad) and Smet Dirk (director)6 facts ▸
- General meeting, 19/03/2015
- Director reappointment, Ottoy Jan (director)
- Director reappointment, Pieters Noël (director)
- Director reappointment, Demazy Philippe (director)
- Director appointment, Onclin Olivier (voorzitter van de raad)
- Director appointment, Smet Dirk (director)
2014
12-05
State Gazette act
Appointment: Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)1 fact ▸
State Gazette act
Appointment: Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
1 fact ▸
- Auditor appointment, Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
2013
16-12
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term22 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term22 facts ▸
- Power of attorney, Noël PIETERS
- Power of attorney, Sébastien COLLETTE
- Power of attorney, Marian DEBUSSCHERE
- Power of attorney, Ignace DEPAEMELAERE
- Power of attorney, Joachim DERENNE
- Power of attorney, Martine DETHISE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Joëlle FRANCOIS
- Power of attorney, Nathalie HENNAUX
- Power of attorney, Etienne HUSDEN
- Power of attorney, Jean-Marie LAURENT
- +10 further facts in this act
30-04
State Gazette act
Resignation: Christophe Burm (director)Appointment: Jeroen Ost (director) · Reappointment: Falepin Pieter (director)4 facts ▸
State Gazette act
Resignation: Christophe Burm (director)
Appointment: Jeroen Ost (director) · Reappointment: Falepin Pieter (director)4 facts ▸
- General meeting, 19/04/2013
- Director resignation, Christophe Burm (director)
- Director appointment, Jeroen Ost (director)
- Director reappointment, Falepin Pieter (director)
2012
12-10
State Gazette act
Resignation: Burm Christophe (director)Appointment: Jeroen Ost (director)4 facts ▸
State Gazette act
Resignation: Burm Christophe (director)
Appointment: Jeroen Ost (director)4 facts ▸
- Board meeting, 29/08/2012
- Director resignation, Burm Christophe (director)
- Board meeting, 11/09/2012
- Director appointment, Jeroen Ost (director)
03-09
State Gazette act
Appointment: Crefius NV (statutory auditor)2 facts ▸
State Gazette act
Appointment: Crefius NV (statutory auditor)
2 facts ▸
- General meeting, 24/03/2011
- Auditor appointment, Crefius NV (statutory auditor)
2011
17-10
State Gazette act
Statutes amendmentName change3 facts ▸
State Gazette act
Statutes amendment
Name change3 facts ▸
- General meeting, 23/09/2011
- Name change, Crefius
- Statutes amendment
17-10
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term20 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term20 facts ▸
- Power of attorney, Noël PIETERS
- Power of attorney, Sébastien COLLETTE
- Power of attorney, Marian DEBUSSCHERE
- Power of attorney, Ignace DEPAEMELAERE
- Power of attorney, Martine DETHISE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Joëlle FRANCOIS
- Power of attorney, Nathalie HENNAUX
- Power of attorney, Etienne HUSDEN
- Power of attorney, Jean-Marie LAURENT
- Power of attorney, Brigitte MORAUX
- +8 further facts in this act
18-03
State Gazette act
Purpose · Statutes amendmentPurpose change · Statutes amendment3 facts ▸
State Gazette act
Purpose · Statutes amendment
Purpose change · Statutes amendment3 facts ▸
- General meeting, 18/02/2011
- Purpose change, De vennootschap heeft tot doel het onderzoeken en het waarborgen van allerlei krediet- en leningverrichtingen, hierinbegrepen disconto-, delcredere- en borgstel…
- Statutes amendment
22-02
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term21 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term21 facts ▸
- General meeting, 25/01/2011
- Power of attorney, Noël PIETERS
- Power of attorney, Sébastien COLLETTE
- Power of attorney, Marian DEBUSSCHERE
- Power of attorney, Ignace DEPAEMELAERE
- Power of attorney, Martine DETHISE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Joëlle FRANCOIS
- Power of attorney, Nathalie HENNAUX
- Power of attorney, Etienne HUSDEN
- Power of attorney, Jean-Marie LAURENT
- +9 further facts in this act
2010
04-05
State Gazette act
Resignations: Daniel Menu, Burm Christophe and Demazy PhilippeAppointments: Ottoy Jan, Burm Christophe and Demazy Philippe7 facts ▸
State Gazette act
Resignations: Daniel Menu, Burm Christophe and Demazy Philippe
Appointments: Ottoy Jan, Burm Christophe and Demazy Philippe7 facts ▸
- General meeting, 18/03/2010
- Director resignation, Daniel Menu (director)
- Director appointment, Ottoy Jan (director)
- Director resignation, Burm Christophe (director)
- Director resignation, Demazy Philippe (director)
- Director appointment, Burm Christophe (director)
- Director appointment, Demazy Philippe (director)
08-01
State Gazette act
Resignation: Daniel MENU (director)Appointment: Jan OTTOY (gecoöpteerd bestuurder) · Mandate compensation5 facts ▸
State Gazette act
Resignation: Daniel MENU (director)
Appointment: Jan OTTOY (gecoöpteerd bestuurder) · Mandate compensation5 facts ▸
- Board meeting, 25/11/2009
- Director resignation, Daniel MENU (director)
- Director appointment, Jan OTTOY (gecoöpteerd bestuurder)
- Director appointment, Jan OTTOY (chair of the board)
- Mandate compensation, Jan OTTOY
2009
07-12
State Gazette act
Resignations & appointmentsPower of attorney20 facts ▸
State Gazette act
Resignations & appointments
Power of attorney20 facts ▸
- Power of attorney, Noël PIETERS
- Power of attorney, William CARETTE
- Power of attorney, Sébastien COLLETTE
- Power of attorney, Marian DEBUSSCHERE
- Power of attorney, Ignace DEPAEMELAERE
- Power of attorney, Martine DETHISE
- Power of attorney, Veerte D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Joëlile FRANCOIS
- Power of attorney, Nathalie HENNAUX
- Power of attorney, Etienne HUSDEN
- Power of attorney, Jean-Mane LAURENT
- +8 further facts in this act
08-07
State Gazette act
Statutes amendment · RestructuringMerger · Dissolution · Share cancellation11 facts ▸
State Gazette act
Statutes amendment · Restructuring
Merger · Dissolution · Share cancellation11 facts ▸
- General meeting, 16 juni 2009
- Merger, 16 juni 2009
- Dissolution, 16-06-2009
- Share cancellation, CEB Fin - DKB Fin
- Accounting effect, 1 januari 2009
- Power of attorney, Jean-Luc Devogele
- Power of attorney, leden van de raad van bestuur
- Shareholder, DEXIA WOONKREDIETEN
- Merger condition, zonder kapitaalverhoging
- Merger condition, op basis van een balanstoestand afgesloten op 31 december 2008
- Statutes amendment
29-05
State Gazette act
Resignation: Olivier Renoird (director)Reappointment: Daniel Menu (director)3 facts ▸
State Gazette act
Resignation: Olivier Renoird (director)
Reappointment: Daniel Menu (director)3 facts ▸
- General meeting, 19 maart 2009
- Director resignation, Olivier Renoird (director)
- Director reappointment, Daniel Menu (director)
2008
30-06
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term18 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term18 facts ▸
- Power of attorney, Geert DE BAERE
- Power of attorney, William CARETTE
- Power of attorney, Ignace DEPAEMELAERE
- Power of attorney, Martine DETHISE
- Power of attorney, Veerle D'HOORE
- Power of attorney, Michel FOSSEPREZ
- Power of attorney, Joelle FRANCOIS
- Power of attorney, Nathalie HENNAUX
- Power of attorney, Etienne HUSDEN
- Power of attorney, Jean-Marie LAURENT
- Power of attorney, Gabriel PIERRET
- Power of attorney, Noël PIETERS
- +6 further facts in this act
04-06
State Gazette act
Resignations: Roland Blomme (afgevaardigd bestuurder) and PriceWaterhousCoopers bcvba (statutory auditor)Appointment: Deloitte bovba (statutory auditor)4 facts ▸
State Gazette act
Resignations: Roland Blomme (afgevaardigd bestuurder) and PriceWaterhousCoopers bcvba (statutory auditor)
Appointment: Deloitte bovba (statutory auditor)4 facts ▸
- General meeting, 20/03/2008
- Director resignation, Roland Blomme (afgevaardigd bestuurder)
- Auditor appointment, Deloitte bovba
- Auditor resignation, PriceWaterhousCoopers bcvba (statutory auditor)
2007
12-02
State Gazette act
Appointment: Philippe Demazy (director)Mandate compensation3 facts ▸
State Gazette act
Appointment: Philippe Demazy (director)
Mandate compensation3 facts ▸
- General meeting, 2 november 2006
- Director appointment, Philippe Demazy (director)
- Mandate compensation, Philippe Demazy
2005
30-03
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term8 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term8 facts ▸
- Power of attorney, Dirk Gyselink
- Power of attorney, Michèle Colpaert
- Power of attorney, Arnaud Frippiat
- Power of attorney, Patrick Devis
- Mandate term, 14/03/2005
- Mandate term, 14/03/2005
- Mandate term, 14/03/2005
- Mandate term, 14/03/2005
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.An act published in both Dutch and French appears here once.
Directors · office · real estate
Directors
7 directors, no change since 2026
Mia Neyens
CurrentAdministrateur coopté · since 19-02-2026
Dhr Menu Daniel
CurrentAdministrateur coopté · since 01-01-2026
Van Assche Marleen
CurrentDirector · since 18-03-2021
Van Loock Johan
CurrentDirector · since 03-03-2021
Falepin Pieter
CurrentChair · since 21-03-2019
Jeroen Ost
Not recently confirmedDirector · since 11-09-2012
1 other director
Oftloy Jan
Not recently confirmedDirector · since 18-03-2010
19-02-2026
Mia Neyens: Appointed as Administrateur coopté
19-02-2026
Mia Neyens: Appointed as Gecoöpteerd bestuurder
19-02-2026
Mevrouw Camille Gillon: Resigned as Director
19-02-2026
Mevrouw Camille Gillon: Resigned as Director
01-01-2026
Dhr Menu Daniel: Appointed as Administrateur coopté
Location & real-estate footprint
Registered office, Sint-Joost-ten-Node · 3 establishment units since 1911
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.
Karel Rogierplein 111210 Sint-Joost-ten-NodeGround area
6,470 m²
Building footprint
4,665 m²
Volume, LiDAR
271,788 m³
3 parcels, Brussels, Flanders, Wallonia · tallest building 144.7 m, ±28 floors. Linked by address, not a title deed.
3 establishment units
Sint-Amandsstraat 72, 8800 Roeselare
since 19112.006.279.506
Karel Rogierplein 11, 1210 Sint-Joost-ten-Node
since 19732.006.279.407
CREFIUS
since 20222.329.292.375
3 parcels
Flanders
1
(33.3%)
Wallonia
1
(33.3%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21014A0014/02L002 | Brussels | 3,343 m² | 1 · 3,343 m² | 144.7 m · 28 fl. |
| 92094A0247/00D000indicative | Wallonia | 2,046 m² | 1 · 1,115 m² | - |
| 36015A0362/00S004 | Flanders | 1,081 m² | 1 · 207 m² | 22.4 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| DeloitteCurrent Statutory auditor | 01-01-2026 → present |
Show 8 earlier auditors
| Deloite sccrl Auditor succeeded by Deloitte Bedrijfsrevisoren/Réviseurs d’Entreprises in 2012 | 04-06-2008 → 03-09-2012 |
| Deloitte bedrijfsrevisoren BV CVBA Statutory auditor succeeded by KPMG in 2021 | 12-05-2014 → 26-01-2021 |
| Deloitte Bedrijfsrevisoren/Réviseurs d’Entreprises Statutory auditor succeeded by Deloitte BV CVBA in 2014 | 03-09-2012 → 12-05-2014 |
| Deloitte bovba Auditor succeeded by Deloitte Bedrijfsrevisoren/Réviseurs d’Entreprises in 2012 | 04-06-2008 → 03-09-2012 |
| Deloitte BV CVBA Statutory auditor · represented by Bart Dewael succeeded by KPMG in 2021 | 12-05-2014 → 26-01-2021 |
| KPMG Commissaire réviseur succeeded by Deloitte in 2026 | 26-01-2021 → 01-01-2026 |
| KPMG Bedrijfsrevisoren BV/SRL Statutory auditor · represented by Vanessa Cordonnier succeeded by Deloitte in 2026 | 08-03-2021 → 01-01-2026 |
| KPMG Réviseurs d'Entreprises BV/SRL Statutory auditor · represented by Vanessa Cordonnier succeeded by Deloitte in 2026 | 08-03-2021 → 01-01-2026 |
Articles of association
Purpose
De vennootschap heeft tot voorwerp het onderzoeken en het waarborgen van allerlei krediet- en leningverrichtingen, hierinbegrepen disconto-, delcredere- en…
Full purpose
De vennootschap heeft tot voorwerp het onderzoeken en het waarborgen van allerlei krediet- en leningverrichtingen, hierinbegrepen disconto-, delcredere- en borgstellingverrichtingen welke de naamloze vennootschap Belfius bank Belgie, iedere andere financiële instelling, verzekeringsonderneming of andere instelling die voormelde activiteiten uitvoert, realiseert door haar tussenkomst. De vennootschap mag bovendien allerlei handelseffecten disconteren en allerlei kredieten of leningen toestaan, hetzij voor rekening van de naamloze vennootschap Belfius Bank België, iedere andere financiële instelling, verzekeringsonderneming of andere instelling die voormelde activiteiten uitvoert, hetzij voor eigenrekening. Ten dien einde mag zij alle commerciële, industriële, roerende of onroerende verhandelingen verrichten die rechtstreeks of onrechtstreeks, geheel of gedeeltelijk verband houden met haar voorwerp of die van aard zouden zijn de verwezenlijking ervan te bevorderen. De vennootschap mag, bij wijze van inbreng, bijdrage, deelname, samenwerking of fusie, belangen nemen in alle zaken, vennootschappen of ondernemingen die hetzelfde, een soortgelijk, een gelijkaardig of samenhangend voorwerp hebben of geschikt zijn om rechtstreeks of onrechtstreeks de verwezenlijking van haar voorwerp te bevorderen.
Structure & network
Connections & network
22 connected companiesLinked via shared directors
via Van Assche Marleen · Director
former→
via Van Assche Marleen · Director
former→
via Van Assche Marleen · Non-statutory director
former→
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Ownership & control
1 parent companyControl over this companyparent company per the LEI register1
Brussels
controls
CREFIUSBE 0405.549.377
Acquisitions and mergers
1 transactionTook over:CEB Fin - DKB Fin
Capital and shareholders
Capital over the years
- 13-12-2019 Capital stated in the act · 2,500,000 EUR · 17,725 shares
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 16,187 EUR awarded · 16,187 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,457 EUR | 1,457 EUR |
| 2024 | 1 | 3,804 EUR | 3,804 EUR |
| 2023 | 1 | 7,446 EUR | 7,446 EUR |
| 2022 | 1 | 3,480 EUR | 3,480 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Legal Entity Identifier
549300B06M0N5TCJ4I07
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Of 232 companies in sector 64190 we hold annual accounts for 109. 16 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-05-1911
Fiscal year end31-12
Activities, NACEBEL 2025
64190Financial service activities, except insurance and pension funding
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.