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CREFIUS

Active Risk: not assessed
Public limited companyfounded 1911active for 115 yearsKarel Rogierplein 11, 1210 Sint-Joost-ten-Node, BelgiumKBO/BCE: BE 0405.549.377
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 €18.5m and a net result of €5.1m. Equity is shrinking by about 14% per year across the filed financial years. Its solvency ranks better than 54% of 2,969 sector peers (NACE 64, financial year 2025). The company has been active since 1911 and the Belgian Official Gazette contains no insolvency or warning signals.

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History

On 11 May 1911, CREFIUS was incorporated.1 CEB Fin - DKB Fin was merged into the company in 2009.2 In 2011 the company took the name Crefius.3 The registered office was moved to Brussel in 2018.4 Of the 4 current board members, Falepin Pieter has served longest, since 2019.5 Total assets went from €59.1m in 2018 to €28.1m in 2025 and headcount from 196 to 197 full-time equivalents.6

  1. 1KBO (Crossroads Bank for Enterprises)
  2. 2Belgian Official Gazette, 08-07-2009
  3. 3Belgian Official Gazette, 17-10-2011
  4. 4Belgian Official Gazette, 01-06-2018
  5. 5Belgian Official Gazette, 17-01-2025
  6. 6National Bank, annual accounts 2018 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
24-08
Gazette deed Resignations: Van Loock Johan (director) and KPMG (statutory auditor)
Reappointment: Van Loock Johan (director) · Appointment: Deloitte (statutory auditor)6 facts ▸
  • Board meeting, “unaniem, bestuurders” (deed in Dutch)
  • Director resignation, Van Loock Johan (director)
  • Director reappointment, Van Loock Johan (director)
  • Auditor resignation, KPMG (statutory auditor)
  • Auditor appointment, Deloitte (statutory auditor)
  • Director in office, Maulren Van Ante (gedelegurd bestunder)
26-03
NBB filing Annual accounts filed
financial year 2025 · full format
19-02
Gazette deed Resignations: Camille Gillon (director) and Demazy Philippe (director)
Appointments: Mia Neyens (gecoöpteerd bestuurder) and Menu Daniel (gecoöpteerd bestuurder)6 facts ▸
  • Director resignation, Camille Gillon (director)
  • Board meeting, “neemt nota van ontslag van Camille Gillon, de raad” (deed in Dutch)
  • Director appointment, Mia Neyens (gecoöpteerd bestuurder)
  • Director resignation, Demazy Philippe (director)
  • Board meeting, “neemt nota van ontslag van Demazy Philippe, de raad” (deed in Dutch)
  • Director appointment, Menu Daniel (gecoöpteerd bestuurder)
2025
06-10
Gazette deed Resignations & appointments
Power of attorney34 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 VANDYСКЕ
  • Power of attorney, Peter LYCKE
  • Power of attorney, Cédric SCOHY
  • Power of attorney, Denis MICHAUX
  • Power of attorney, Joëlle FRANCOIS
  • +22 further facts in this act
26-09
Gazette deed Miscellaneous
Power of attorney33 facts ▸
  • Power of attorney, Marleen VAN ASSCHE (2 times)
  • Power of attorney, Jan VAN DAMME (2 times)
  • Power of attorney, Eve RENNEBOOG (2 times)
  • Power of attorney, Mariann SPIESSENS (2 times)
  • Power of attorney, Aagje LEFEBVRE (2 times)
  • Power of attorney, Veerle D'HOORE (2 times)
  • Power of attorney, Michel FOSSEPREZ (2 times)
  • Power of attorney, Geert VANDYCKE (2 times)
  • Power of attorney, Peter LYCKE (2 times)
  • Power of attorney, Cédric SCOHY (2 times)
  • Power of attorney, Denis MICHAUX (2 times)
  • Power of attorney, Joëlle FRANCOIS (2 times)
  • +21 further facts in this act
26-06
Gazette deed Reappointment: Falepin Pieter (director)
1 fact ▸
  • Director reappointment, Falepin Pieter (director)
27-03
NBB filing Annual accounts filed
financial year 2024 · full format
17-01
Gazette deed 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
Gazette deed Resignation: Aurélie Thiran (director)
1 fact ▸
  • Director resignation, Aurélie Thiran (director)
16-04
NBB filing Annual accounts filed
financial year 2023 · full format
2023
31-12
Financial Weakest financial yearnet €3.2m ▼48.1%
Net result drops to €3.2m, the lowest in the series; recovery starts the following year.
22-09
Gazette deed 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
Gazette deed 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
Gazette deed Appointment: KPMG (statutory auditor)
2 facts ▸
  • General meeting, 23-03-2023
  • Auditor appointment, KPMG (statutory auditor)
20-04
NBB filing Annual accounts filed
financial year 2022 · full format
2022
27-07
Gazette deed 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
financial year 2021 · full format
2021
29-07
Gazette deed Appointment: Spinnael Ilse (chair of the board)
1 fact ▸
  • Director appointment, Spinnael Ilse (chair of the board)
19-04
Gazette deed 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
financial year 2020 · full format
10-03
Gazette deed Appointment: Van Loock Johan (director)
1 fact ▸
  • Director appointment, Van Loock Johan (director)
08-03
Gazette deed 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
Gazette deed 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
Gazette deed 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
Gazette deed 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
financial year 2019 · full format
2019
13-12
Gazette deed Amendment of the articles
Capital3 facts ▸
  • General meeting, 25-11-2019
  • Amendment of the articles
  • Capital, €2,500,000
31-05
Gazette deed 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
Gazette deed 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
financial year 2018 · full format
08-01
Gazette deed 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
Gazette deed 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
Gazette deed 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
Gazette deed 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
financial year 2017 · full format
2017
30-10
Gazette deed 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
Gazette deed 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
financial year 2016 · full format
2016
19-05
Gazette deed 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
Gazette deed Appointment: Martine Gelissen (director)
2 facts ▸
  • Director appointment, Martine Gelissen (director)
  • General meeting, 24-03-2016
2015
15-10
Gazette deed 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
Gazette deed 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
Gazette deed 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
Gazette deed 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
Gazette deed 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
Gazette deed Appointment: Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
1 fact ▸
  • Auditor appointment, Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
2013
16-12
Gazette deed 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
Gazette deed 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
Gazette deed 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
Gazette deed Appointment: Crefius NV (statutory auditor)
2 facts ▸
  • General meeting, 24-03-2011
  • Auditor appointment, Crefius NV (statutory auditor)
2011
17-10
Gazette deed Amendment of the articles · Name
Name change3 facts ▸
  • General meeting, 23-09-2011
  • Name change, Crefius
  • Amendment of the articles
17-10
Gazette deed 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
Gazette deed Purpose · Amendment of the articles
Purpose change3 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…” (deed in Dutch)
  • Amendment of the articles
22-02
Gazette deed 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
Gazette deed 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
Gazette deed 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
Gazette deed 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
Gazette deed Amendment of the articles · Restructuring
Merger · Dissolution · Share cancellation11 facts ▸
  • General meeting, 16-06-2009
  • Merger, 16-06-2009
  • Dissolution, 16-06-2009
  • Share cancellation, CEB Fin - DKB Fin
  • Accounting effect, 01-01-2009
  • Power of attorney, Jean-Luc Devogele
  • Power of attorney, leden van de raad van bestuur
  • Shareholder, DEXIA WOONKREDIETEN
  • Merger condition, “zonder kapitaalverhoging” (deed in Dutch)
  • Merger condition, “op basis van een balanstoestand afgesloten op 31-12-2008” (deed in Dutch)
  • Amendment of the articles
29-05
Gazette deed Resignation: Olivier Renoird (director)
Reappointment: Daniel Menu (director)3 facts ▸
  • General meeting, 19-03-2009
  • Director resignation, Olivier Renoird (director)
  • Director reappointment, Daniel Menu (director)
2008
30-06
Gazette deed 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
Gazette deed 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
Gazette deed Appointment: Philippe Demazy (director)
Mandate compensation3 facts ▸
  • General meeting, 02-11-2006
  • Director appointment, Philippe Demazy (director)
  • Mandate compensation, Philippe Demazy
2005
30-03
Gazette deed Resignations & appointments
Power of attorney · Mandate term5 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 (4 times)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 42 annual accounts filed, the latest 10 are here; all are under Financials.An act published in both Dutch and French appears here once.
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