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Complete company report
Generated 25-07-2026
Active BE 0458.985.885Public limited company

KREDES

Henri Vaesgaarde 1 ·1950 Kraainem, Belgium· 29 yrs active
Sector: Retail trade (47241)
Conclusion Checked

The computed 12-month bankruptcy probability of KREDES is 0.5% (very low). The company has been active since 1996 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.
Key figures
Active 29 yrs
Board 2
Locations 1
Publications 6
Bankruptcy probability (12 mo) Checked model v1 · free
0.5% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Higher-failure-rate sector +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1996, 29 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
30-06-2025 micro 29-01-2026 2026-00024961
30-06-2024 micro 10-03-2025 2025-00047574
30-06-2023 verkort 25-01-2024 2024-00006681
30-06-2022 verkort 31-01-2023 2023-00013989
30-06-2021 verkort 14-02-2022 2022-05700314
30-06-2020 verkort 25-01-2021 2021-01900050
30-06-2019 micro 08-01-2020 2020-00600081
30-06-2018 micro 11-01-2019 2019-01200364
30-06-2017 verkort 12-01-2018 2018-01100118
30-06-2016 verkort 20-12-2016 2016-70900425
Directors & mandates 2 directors
Current directors & mandates
  • Monique MAILLIARD
    Director
    State Gazette act 22054369 (02-05-2022)
    Current
    25-01-2016 → present
    2 events
    • 04-11-2020 Mandate renewed· Director
    • 25-01-2016 Mandate renewed· Director
  • Serge SMETS
    Director
    State Gazette act 22054369 (02-05-2022)
    Current
    25-01-2016 → present
    3 events
    • 04-11-2020 Mandate renewed· Director
    • 25-01-2016 Mandate renewed· Director
    • 25-01-2016 Appointed· Managing director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Retail trade(47241)
Legal form Public limited company(014)
Incorporation10-10-1996
StatusActive
Postal code1950
Establishment units 1 location
Kredes nv
Henri Vaesgaarde 1, 1950 KraainemKleinhandel in brood en banketbakkerswerk
since 20022.113.582.785
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
22002C0046/00E003 Flanders 1,519 m² 1 · 306 m² 16.2 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 16 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
29-01-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
06-01-2026
State Gazette act Registered-office change
v3.2
2025
10-03-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
25-01-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
16-08-2023
State Gazette act Director changes
v3.2
31-01-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
02-05-2022
State Gazette act Director changes
v3.2
14-02-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
25-01-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
08-01-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
11-01-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
12-01-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
03-05-2017
State Gazette act Registered-office change
v3.2
2016
20-12-2016
NBB filing Annual accounts filed
fiscal year 2016 · verkort
25-01-2016
State Gazette act Director changes
v3.2
2002
17-09-2002
State Gazette act Registered-office change
v3.2
Belgisch Staatsblad, acts 6 acts
Address history · 3
06-01-2026
v3.2
03-05-2017
v3.2
17-09-2002
v3.2
All acts · 6 updated 6 months ago
2026
06-01-2026 Registered office moved from Mechelen to Kraainem Registered-office change
  • IJzerenleen 29, 2800 Mechelen → Henri Vaesgaarde 1, 1950 Kraainem
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Kraainem",
        "region": null,
        "street": "Henri Vaesgaarde",
        "country": "BE",
        "postcode": "1950",
        "box_number": null,
        "street_number": "1"
      },
      "old_address": {
        "city": "Mechelen",
        "region": null,
        "street": "IJzerenleen",
        "country": "BE",
        "postcode": "2800",
        "box_number": null,
        "street_number": "29"
      },
      "effective_date": "2025-08-18",
      "evidence_quote": "1.De buitengewone Algemene Vergadering heeft beslist vanaf heden de maatschappelijke zetel te wijzigen van IJzerenleen 29 te 2800 Mechelen naar Henri Vaesgaarde 1 te 1950 Kraainem en dit vanaf vandaag."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0458.985.885",
    "name_full": "KREDES",
    "legal_form": "NV"
  }
}
2023
16-08-2023 Change in the board of directors Director changes
Summary: v3.2
Technical details 
{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0458.985.885",
    "name_full": "KREDES",
    "legal_form": "NV"
  }
}
2022
02-05-2022 2 reappointed Director changes
  • Serge SMETS, Bestuurder
  • Monique MAILLIARD, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Serge SMETS",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2020-11-04",
      "evidence_quote": "De mandaten van de volgende bestuurders de heer Serge SMETS en Mevrouw Monique MAILLIARD worden verlengd voor een nieuwe periode van 6 jaar die begint op 04 november 2020, zijnde tot de jaarvergadering van 2026."
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Monique MAILLIARD",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2020-11-04",
      "evidence_quote": "De mandaten van de volgende bestuurders de heer Serge SMETS en Mevrouw Monique MAILLIARD worden verlengd voor een nieuwe periode van 6 jaar die begint op 04 november 2020, zijnde tot de jaarvergadering van 2026."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0458.985.885",
    "name_full": "KREDES",
    "legal_form": "NV"
  }
}
2017
03-05-2017 Registered office moved within Mechelen Registered-office change
  • Grote Markt 25-2800, Mechelen → Ijzerenleen 29, 2800 Mechelen
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Mechelen",
        "region": null,
        "street": "Ijzerenleen",
        "country": "BE",
        "postcode": "2800",
        "box_number": null,
        "street_number": "29"
      },
      "old_address": {
        "city": "Mechelen",
        "region": null,
        "street": "Grote Markt",
        "country": "BE",
        "postcode": null,
        "box_number": null,
        "street_number": "25-2800"
      },
      "effective_date": "2017-04-25",
      "evidence_quote": "De maatschappelijke zetel, evenals de uitbatingszetel, worden vanaf 25/04/2017 verplaatst naar volgend adres: Ijzerenleen 29 2800 M\u0435chelen"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0458.985.885",
    "name_full": "KREDES",
    "legal_form": "NV"
  }
}
2016
25-01-2016 1 director appointed, 2 reappointed Director changes
  • Serge Smets, Gedelegeerd bestuurder
  • Serge Smets, Bestuurder
  • Monique Mailliard, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Serge Smets",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Volgende bestuurdersmandaten, die een einde namen tijdens de algemene vergadering van 05/11/2014, worden verlengd voor een periode van 6 jaar. ... De heer Serge Smets ... Zij aanvaarden deze functie"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Monique Mailliard",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Volgende bestuurdersmandaten, die een einde namen tijdens de algemene vergadering van 05/11/2014, worden verlengd voor een periode van 6 jaar. ... Mevrouw Monique Mailliard ... Zij aanvaarden deze functie"
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Serge Smets",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Wordt benoemd als gedelegeerd bestuurder, en dit voor de duur van zijn mandaat: De Heer Serge SMETS"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0458.985.885",
    "name_full": "KREDES",
    "legal_form": "NV"
  }
}
2002
17-09-2002 Registered office moved from Erps-Kwerps to Mechelen Registered-office change
  • Kammestraat 7, 3071 Erps-Kwerps → Grote Markt 25, 2800 Mechelen
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Mechelen",
        "region": null,
        "street": "Grote Markt",
        "country": "BE",
        "postcode": "2800",
        "box_number": null,
        "street_number": "25"
      },
      "old_address": {
        "city": "Erps-Kwerps",
        "region": null,
        "street": "Kammestraat",
        "country": "BE",
        "postcode": "3071",
        "box_number": null,
        "street_number": "7"
      },
      "effective_date": "2002-08-23",
      "evidence_quote": "I. De zetel van de vennootschap over te biengen naai 2800 Mechelen, Grote Markt 25, en dit met ingang op drie\u00EBntwintig augustus tweeduizend en twee."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0458.985.885",
    "name_full": "KREDES",
    "legal_form": "NV"
  }
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels (koude bakkers)47241Detailhandel in brood en banketbakkerswerk (koude bakkers)47241Detailhandel in brood-, banketbakkerswerk en suikerwerk52240Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299Overige detailhandel in voedings- en genotmiddelen in gespecialiseerde winkels, n.e.g.52272
Primary activity highlighted.
Names & trade names
Legal nameNL KREDES
Registered office
Henri Vaesgaarde 1
1950 Kraainem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative