Summary
Conclusion
the dossier summarised in one paragraphDelcredere is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 1939 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wideSource: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis 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.
Financials
Annual accounts & ratios
Source: NBBStructure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0466/00F000 | Brussels | 1,685 m² | 1 · 787 m² | 33.4 m · 10 fl. |
Publications
Lifecycle & Insolvency Signals
Belgisch Staatsblad · acts
2 acts06-12-2024 Act object · Notarial deed · Merger · Name change
- Act object: Dépôt d'un projet de fusion transfrontalière. · Credendo - Short - Term Non - EU Risks
- Publication: 06/12/2024 · Credendo - Short - Term Non - EU Risks
- Filing: 28/11/2024 · Credendo - Short - Term Non - EU Risks
- Notarial deed: 31/10/2024 · Credendo - Short - Term Non - EU Risks
- Merger: type: absorption · Credendo - Short - Term Non - EU Risks
- Name change: to: CREDENDO-TRADE CREDIT INSURANCE · Credendo - Short - Term Non - EU Risks
- Capital increase: note: La Société Absorbante n'émettra pas de nouvelles actions en contrepartie de cette augmentation de capital, before: 113.400.000,00 EUR, currency: EUR, delta_source: capital de la Société Absorbée, soit actuellement 515.000.000,00 CZK, exchange_rate_date: 01/01/2025 · Credendo - Short - Term Non - EU Risks
- Capital decrease: note: sans annulation d'actions, amount: 10000000.0, reason: aligner sur les exigences en matière de ratio de capital, currency: EUR · Credendo - Short - Term Non - EU Risks
- Accounting effect: 01/01/2025 · Credendo - Short - Term Non - EU Risks
- Filing representative: accomplir toutes les formalités de dépôt et de publication nécessaires ou utiles en rapport avec le présent Projet de Fusion · Loyens & Loeff Advocaten-Avocats SRL
- Conditions precedent: approbation préalable de la Banque nationale tchèque et de la Banque nationale de Belgique · Credendo - Short - Term Non - EU Risks
- Branch details: succursale polonaise transférée à la Société Absorbante; succursale slovaque fermée par la Société Absorbée avant la Fusion · Credendo - Short - Term Non - EU Risks
06-12-2024 Act object · Notarial deed · Merger · Name change
- Act object: Neerlegging van een gemeenschappelijk voorstel voor een grensoverschrijdende fusie. · CREDENDO - SHORT-TERM NON-EU RISKS
- Publication: 06/12/2024 · CREDENDO - SHORT-TERM NON-EU RISKS
- Filing: 28/11/2024 · CREDENDO - SHORT-TERM NON-EU RISKS
- Notarial deed: 31/10/2024 · CREDENDO - SHORT-TERM NON-EU RISKS
- Merger: type: grensoverschrijdende fusie door overneming · CREDENDO - SHORT-TERM NON-EU RISKS
- Name change: to: CREDENDO - TRADE CREDIT INSURANCE · CREDENDO - SHORT-TERM NON-EU RISKS
- Capital increase: note: geen nieuwe aandelen uitgegeven, before: EUR 113.400.000,00, currency: EUR, delta_description: het equivalent in euro's van het bedrag van het kapitaal van de Overgenomen Vennootschap, momenteel 515.000.000,00 CZK, bepaald door toepassing van de wisselkoers CZK/EUR op 1 januari 2025 (00:00) · CREDENDO - SHORT-TERM NON-EU RISKS
- Capital decrease: note: zonder vernietiging van aandelen, amount: 10000000.0, reason: om het in overeenstemming te brengen met de solvabiliteitskapitaalvereisten, currency: EUR · CREDENDO - SHORT-TERM NON-EU RISKS
- Accounting effect: 01/01/2025 · CREDENDO - SHORT-TERM NON-EU RISKS
- Purpose: De vennootschap heeft tot voorwerp, zowel in België als in het buitenland, alle activiteiten van verzekering, medeverzekering en herverzekering van schuldvorderingen tegen commerciële of politieke risico's te verrichten... · CREDENDO - SHORT-TERM NON-EU RISKS
- Filing representative: scope: alle neerleggings- en publicatieformaliteiten uit te voeren die nodig of nuttig zijn in verband met dit Fusievoorstel · Loyens & Loeff Advocaten-Avocats SRL
- Merger condition · CREDENDO - SHORT-TERM NON-EU RISKS
- Dissolution: type: ontbinding zonder vereffening · CREDENDO - SHORT-TERM EU RISKS ÚVĚROVÁ POJIŠŤOVNA, A.S.
Analysis
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Credit advice
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Company registry (CBE)
Crossroads Bank| Legal nameFR | Ducroire |
| Legal nameNL | Delcredere |
| Trade nameEN | Credendo Re |
| Trade nameFR | Credendo – Export Credit Agency |