Kredietunie
ActiveSummary
Kredietunie has been active since 1983 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €692,565 and a net result of -€725. Equity has been stable since 2018 (±0% per year). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Official details
Source: KBO- Status
- Active since 28-12-1983 Normal situation
- Activity
- “Voor zover wettelijke machtiging noodzakelijk en bekomen: de onderneming voor het verlenen van persoonlijke…” (deed in Dutch)From the articles, 23 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.023.668.735 3140 Keerbergen, since 28-12-1983
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Board and ownership
- Sedeyn BarbaraDirector · since 27-10-2015
- Sedeyn BrunoDirector · since 27-10-2015
- FLANDERS CONSTRUCT20%· score 832022 annual accounts of FLANDERS CONSTRUCT
- MARIDEN14%· score 562024 annual accounts of MARIDEN
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
- Gross margin
- -€8,328
- ▼ 0.9%
- Loss
- €725
- ▲ 33.3%
- Equity
- €692,565
- ▼ 0.1%
- Total assets
- €694,473
- =
Score breakdownraises riskLiquidity: current ratio 88.32, cash €102, halvedlowers riskSize: total assets €694,473Equity €692,565 (99.7% of total assets)Founded in 1983Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 81% of them on solvency, 38% on liquidity, 28% on profitability and 45% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 31 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
Key points
Recent changes
- · Gazette deed Amendment of the articles · Legal-form change · Resignations & appointments
Key facts about Kredietunie
- What is the company number of Kredietunie?
- The company number of Kredietunie is 0425.983.517. The VAT number is the same number with BE in front: BE 0425.983.517.
- Where is Kredietunie based?
- The registered office is at Vijfstraten 4, 3140 Keerbergen.Company details
- What is the legal form of Kredietunie?
- The legal form of Kredietunie is Private limited company (BV).
- When was Kredietunie founded?
- Kredietunie was founded on 28-12-1983.
- Is Kredietunie still active?
- Yes, Kredietunie is an active enterprise in the KBO register.
- What is the turnover of Kredietunie?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is Kredietunie profitable?
- In financial year 2025, Kredietunie made a loss of €725.
- Where can I find the annual accounts of Kredietunie?
- Kredietunie filed 42 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Kredietunie due?
- Kredietunie must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
See how customers, suppliers and banks see your own company and what to improve first.