KREDIMMO
ActiveSummary
KREDIMMO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€57,827) and a net result of -€23,557. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 8 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
History
Go further with this company
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Click a name to add, emphasise or remove a line.
Peer companies
Historical observationOf the 6,622 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,622 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,485 | €13,743 | €13,960 | €15,850 | €15,759 | ▼ 0.6% |
| Other operating charges640/8 | - | €2,709 | €2,659 | €2,351 | €3,560 | ▲ 51.4% |
| Gross operating margin9900 | €26,137 | €4,038 | €10,337 | €9,476 | -€3,992 | ▼ 142% |
| Operating profit (loss)9901 | €9,111 | -€12,415 | -€6,282 | -€8,725 | -€23,311 | ▼ 167% |
| Recurring financial income75 | €2 | - | - | - | - | - |
| Financial charges65/66B | - | €46 | €48 | €47 | €67 | ▲ 42.2% |
| Recurring financial charges65 | €10 | €46 | €48 | €47 | €67 | ▲ 42.2% |
| Profit (loss) for the period before taxes9903 | €9,103 | -€12,460 | -€6,329 | -€8,772 | -€23,378 | ▼ 166% |
| Income taxes67/77 | €1,023 | - | -€156 | €1,248 | €179 | ▼ 85.6% |
| Profit (loss) for the period9904 | €8,080 | -€12,460 | -€6,174 | -€10,020 | -€23,557 | ▼ 135% |
| Profit (loss) for the period to be appropriated9905 | €8,080 | -€12,460 | -€6,174 | -€10,020 | -€23,557 | ▼ 135% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €177,975 | €161,796 | €168,390 | €172,656 | €181,873 | ▲ 5.3% |
| Fixed assets21/28 | €168,909 | €158,201 | €162,426 | €161,517 | €168,583 | ▲ 4.4% |
| Tangible fixed assets22/27 | €168,909 | €158,201 | €162,426 | €161,517 | €168,583 | ▲ 4.4% |
| Land and buildings22 | - | €142,924 | €148,825 | €146,808 | €156,333 | ▲ 6.5% |
| Plant, machinery and equipment23 | - | €15,277 | €13,601 | €14,709 | €12,250 | ▼ 16.7% |
| Current assets29/58 | €9,067 | €3,595 | €5,964 | €11,139 | €13,290 | ▲ 19.3% |
| Cash at bank and in hand54/58 | €9,067 | €3,595 | €5,964 | €11,139 | €13,290 | ▲ 19.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €177,975 | €161,796 | €168,390 | €172,656 | €181,873 | ▲ 5.3% |
| Equity10/15 | -€5,616 | -€18,076 | -€24,250 | -€34,270 | -€57,827 | ▼ 68.7% |
| Contributions10/11 | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | = |
| Reserves13 | €7,846 | €7,846 | €7,846 | €7,846 | €7,846 | = |
| Non-distributable reserves130/1 | - | €454 | €454 | €454 | €454 | = |
| Reserves not available under the articles1311 | - | €454 | €454 | €454 | - | - |
| Other1319 | - | - | - | - | €454 | - |
| Tax-exempt reserves132 | - | €7,392 | €7,392 | €7,392 | €7,392 | = |
| Profit (loss) carried forward14 | -€75,962 | -€88,422 | -€94,596 | -€104,616 | -€128,173 | ▼ 22.5% |
| Amounts payable17/49 | €183,592 | €179,872 | €192,640 | €206,926 | €239,700 | ▲ 15.8% |
| Amounts payable within one year42/48 | €183,592 | €179,872 | €192,640 | €206,926 | €239,700 | ▲ 15.8% |
| Trade debts44 | €3,331 | €3,331 | €3,331 | €110 | - | - |
| Suppliers440/4 | - | €3,331 | €3,331 | €110 | - | - |
| Other amounts payable47/48 | - | €176,541 | €189,309 | €206,816 | €239,700 | ▲ 15.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,080 | -€12,460 | -€6,174 | -€10,020 | -€23,557 | ▼ 135% |
| + Depreciation and write-downs630 | €14,485 | €13,743 | €13,960 | €15,850 | €15,759 | ▼ 0.6% |
| Operating cash flow (approximation) | €22,565 | €1,283 | €7,786 | €5,830 | -€7,798 | ▼ 234% |
| Investment in fixed assets (approximation) | - | -€3,035 | -€18,185 | -€14,941 | -€22,826 | ▼ 52.8% |
| Change in cash | - | -€5,472 | €2,370 | €5,175 | €2,151 | ▼ 58.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033F0571/00N003 | Flanders | 1,046 m² | 1 · 203 m² | 9.4 m · 1 fl. |
Linked by address, not proof of ownership
Identification & contact
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.