KREDSS
ActiveSummary
KREDSS 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 €6,131 and a net result of -€3,208. Equity is shrinking by ~12.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 12% of 2464 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 2464 sector peers (2025).
NBB · sector comparisonPosition among 2464 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
9 d late
2022
25 d early
2021
3 d early
2020
11 d late
2019
59 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 30 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€6,131▼ 34.3%
2024 · €9,339
Net result
-€3,208
2024 · €14,272
Total assets
€153,531▼ 11.4%
2024 · €173,302
Solvency
4.0%▼ 1.4pp
2024 · 5.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,721▲ 110%€3,851▼ 69.7%€11,654▲ 203%€19,890▲ 70.7%-€653
Net result€33,102within the sector's middle half▲ 1,843%-€1,292below the sector's middle half-€99,863below the sector's middle half▼ 7,630%€14,272within the sector's middle half-€3,208below the sector's middle half
Equity€96,222below the sector's middle half▲ 52.4%€94,930below the sector's middle half▼ 1.3%-€4,933below the sector's middle half€9,339below the sector's middle half€6,131below the sector's middle half▼ 34.3%
Total assets€284,590below the sector's middle half▲ 31.5%€271,476below the sector's middle half▼ 4.6%€190,379within the sector's middle half▼ 29.9%€173,302within the sector's middle half▼ 9.0%€153,531within the sector's middle half▼ 11.4%
Debt€188,368▲ 22.9%€176,546▼ 6.3%€195,312▲ 10.6%€163,963▼ 16.1%€147,400▼ 10.1%
Working capital€23,734within the sector's middle half▼ 16.6%€31,594within the sector's middle half▲ 33.1%-€17,018below the sector's middle half€53,941within the sector's middle half€52,760within the sector's middle half▼ 2.2%
Solvency33.8%within the sector's middle half▲ 4.6pp35.0%within the sector's middle half▲ 1.2pp-2.6%below the sector's middle half▼ 37.6pp5.4%below the sector's middle half▲ 8.0pp4.0%below the sector's middle half▼ 1.4pp
Current ratio1.36within the sector's middle half▼ 0.041.50within the sector's middle half▲ 0.140.76below the sector's middle half▼ 0.742.16within the sector's middle half▲ 1.402.15within the sector's middle half▼ 0.01
Return on assets (ROA)11.6%within the sector's middle half▲ 10.8pp-0.5%below the sector's middle half▼ 12.1pp-52.5%below the sector's middle half▼ 52.0pp8.2%within the sector's middle half▲ 60.7pp-2.1%below the sector's middle half▼ 10.3pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €653 after €19,890 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €153,531
Fixed assets
€54,880 ▼ 24.7%
Current assets
€98,651 ▼ 1.8%
Equity and liabilities €153,531
Equity
€6,131 ▼ 34.3%
Debt
€147,400 ▼ 10.1%
Debt's share of the balance-sheet total rises from 94.6% to 96.0%. Equity and debt are lower.
Key figures and ratios
ROE
-52.3%▼
2024 · 152.8%
Debt ≤ 1 year
€45,891▼
2024 · €46,516
Debt > 1 year
€99,509▼
2024 · €109,560
Income taxes
€1,587▼
2024 · €3,934
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,051 | €17,652 | €21,279 | €20,086 | €20,678 | ▲ 2.9% |
| Other operating charges640/8 | €18,810 | €801 | €1,167 | €529 | €674 | ▲ 27.6% |
| Non-recurring operating charges66A | - | - | - | €855 | €408 | ▼ 52.3% |
| Gross operating margin9900 | €36,582 | €22,305 | €34,100 | €41,360 | €21,108 | ▼ 49.0% |
| Operating profit (loss)9901 | €12,721 | €3,851 | €11,654 | €19,890 | -€653 | ▼ 103% |
| Financial income75/76B | €36,834 | €246 | €128 | €187 | €531 | ▲ 184% |
| Recurring financial income75 | €334 | €246 | €128 | €187 | €531 | ▲ 184% |
| Non-recurring financial income76B | €36,500 | - | - | - | - | - |
| Financial charges65/66B | €3,633 | €3,617 | €107,944 | €1,872 | €1,500 | ▼ 19.9% |
| Recurring financial charges65 | €3,633 | €3,617 | €4,124 | €1,872 | €1,500 | ▼ 19.9% |
| Non-recurring financial charges66B | - | - | €103,820 | - | - | - |
| Profit (loss) for the period before taxes9903 | €45,923 | €480 | -€96,163 | €18,206 | -€1,621 | ▼ 109% |
| Income taxes67/77 | €12,820 | €1,772 | €3,700 | €3,934 | €1,587 | ▼ 59.7% |
| Profit (loss) for the period9904 | €33,102 | -€1,292 | -€99,863 | €14,272 | -€3,208 | ▼ 122% |
| Profit (loss) for the period to be appropriated9905 | €33,102 | -€1,292 | -€99,863 | €14,272 | -€3,208 | ▼ 122% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €284,590 | €271,476 | €190,379 | €173,302 | €153,531 | ▼ 11.4% |
| Fixed assets21/28 | €194,027 | €176,374 | €137,300 | €72,846 | €54,880 | ▼ 24.7% |
| Tangible fixed assets22/27 | €84,027 | €66,374 | €137,300 | €72,846 | €54,880 | ▼ 24.7% |
| Furniture and vehicles24 | €82,659 | €65,352 | €136,623 | €72,513 | €54,880 | ▼ 24.3% |
| Other tangible fixed assets26 | €1,367 | €1,022 | €678 | €333 | - | - |
| Financial fixed assets28 | €110,000 | €110,000 | - | - | - | - |
| Current assets29/58 | €90,563 | €95,102 | €53,078 | €100,456 | €98,651 | ▼ 1.8% |
| Amounts receivable within one year40/41 | €29,712 | €23,225 | €15,435 | €22,013 | €19,245 | ▼ 12.6% |
| Trade receivables40 | - | - | €9,135 | €9,502 | €5,690 | ▼ 40.1% |
| Other amounts receivable41 | €29,712 | €23,225 | €6,300 | €12,510 | €13,555 | ▲ 8.4% |
| Cash at bank and in hand54/58 | €59,482 | €70,455 | €34,169 | €76,069 | €76,868 | ▲ 1.0% |
| Deferred charges and accrued income490/1 | €1,369 | €1,422 | €3,474 | €2,374 | €2,538 | ▲ 6.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €284,590 | €271,476 | €190,379 | €173,302 | €153,531 | ▼ 11.4% |
| Equity10/15 | €96,222 | €94,930 | -€4,933 | €9,339 | €6,131 | ▼ 34.3% |
| Contributions10/11 | €112,400 | €112,400 | €112,400 | €112,400 | €112,400 | = |
| Profit (loss) carried forward14 | -€16,178 | -€17,470 | -€117,333 | -€103,061 | -€106,269 | ▼ 3.1% |
| Amounts payable17/49 | €188,368 | €176,546 | €195,312 | €163,963 | €147,400 | ▼ 10.1% |
| Amounts payable after more than one year17 | €118,482 | €108,538 | €119,215 | €109,560 | €99,509 | ▼ 9.2% |
| Financial debts170/4 | €38,482 | €28,538 | €39,215 | €29,560 | €19,509 | ▼ 34.0% |
| Other amounts payable178/9 | €80,000 | €80,000 | €80,000 | €80,000 | €80,000 | = |
| Amounts payable within one year42/48 | €66,830 | €63,508 | €70,096 | €46,516 | €45,891 | ▼ 1.3% |
| Current portion of amounts payable after more than one year42 | €9,878 | €9,944 | €9,275 | €9,655 | €10,051 | ▲ 4.1% |
| Trade debts44 | €271 | €580 | €3,810 | €4,738 | €7,821 | ▲ 65.1% |
| Suppliers440/4 | €271 | €580 | €3,810 | €4,738 | €7,821 | ▲ 65.1% |
| Advances received on contracts in progress46 | - | - | €4,375 | €4,503 | €2,328 | ▼ 48.3% |
| Taxes, remuneration and social security45 | €2,820 | - | - | €579 | - | - |
| Taxes450/3 | €2,820 | - | - | €579 | - | - |
| Other amounts payable47/48 | €53,861 | €52,984 | €52,637 | €27,040 | €25,690 | ▼ 5.0% |
| Accrued charges and deferred income492/3 | €3,056 | €4,500 | €6,000 | €7,887 | €2,000 | ▼ 74.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,102 | -€1,292 | -€99,863 | €14,272 | -€3,208 | ▼ 122% |
| + Depreciation and write-downs630 | €5,051 | €17,652 | €21,279 | €20,086 | €20,678 | ▲ 2.9% |
| Operating cash flow (approximation) | €38,154 | €16,360 | -€78,584 | €34,358 | €17,471 | ▼ 49.2% |
| Investment in fixed assets (approximation) | - | €0 | €17,795 | €44,368 | -€2,713 | ▼ 106% |
| Change in cash | - | €10,973 | -€36,286 | €41,900 | €799 | ▼ 98.1% |
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
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €14,272
Net result €14,272 after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.16
Current ratio from 0.76 to 2.16; short-term debt falls from €70,096 to €46,516.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Weakest financial yearnet -€99,863
Net result drops to -€99,863, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €33,102 ▲1,843%
Net result €33,102, the highest in the series.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 11 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 59 days late
2019
31-12
Financial
Back to profitnet €8,173
Net result €8,173 after one loss-making year.
Show earlier events
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Londerzeel · 1 establishment unit since 2008
Ground area
2,622 m²
Building footprint
163 m²
Volume, LiDAR
991 m³
Parcel 23080B0019/00P002, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J. Van Doorslaerstraat 25, 1840 Londerzeel
since 20082.172.517.413
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23080B0019/00P002 | Flanders | 2,621 m² | 1 · 163 m² | 10.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 252 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0899306893
Also
9925:BE0899306893
Registered
07-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.