VANBREDA CREDINCO

Active Risk: not assessed

Public limited companyfounded 199728 yrs activePlantin en Moretuslei 297, 2140 Antwerpen, BelgiumKBO/BCE: BE 0462.175.702

Summary

VANBREDA CREDINCO 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 €1.73M and a net result of €2.30M. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 23% of 1475 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Outside the general model

Model not applicable to financial institutions

The health 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.

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1475 sector peers (2025).

NBB · sector comparison

Position among 1475 sector peers

Solvency

better than 23%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-03-2026, 133 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

133 d early

2024

128 d early

2023

126 d early

2022

132 d early

2021

103 d early

2020

121 d early

2019

126 d early

← before the deadline after the deadline →

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.

Companies Code · seven months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€1.73M▼ 79.5%

2024 · €8.43M

2018: €3.58M 2019: €4.52M 2020: €5.42M 2021: €6.37M 2022: €7.48M 2023: €9.02M 2024: €8.43M

2018 → 2025

Net result

€2.30M▼ 7.3%

2024 · €2.48M

2018: €1.53M 2019: €1.88M 2020: €1.79M 2021: €1.92M 2022: €2.21M 2023: €3.08M 2024: €2.48M

2018 → 2025

Total assets

€12.12M▼ 1.3%

2024 · €12.28M

2018: €5.62M 2019: €6.45M 2020: €7.27M 2021: €8.28M 2022: €9.72M 2023: €11.71M 2024: €12.28M

2018 → 2025

Solvency

14.3%▼ 54.3pp

2024 · 68.6%

2018: 63.7% 2019: 70.1% 2020: 74.5% 2021: 77.0% 2022: 76.9% 2023: 77.0% 2024: 68.6%

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€6.37M-€7.48M▲ 17.3%€9.02M▲ 20.6%€8.43M▼ 6.5%€1.73M▼ 79.5%

Operating result€2.53M-€3.02M▲ 19.2%€4.11M▲ 36.0%€3.04M▼ 26.1%€2.94M▼ 3.3%

Net result€1.92M-€2.21M▲ 15.2%€3.08M▲ 39.5%€2.48M▼ 19.4%€2.30M▼ 7.3%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 3% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €12.12M

100.0%

Fixed assets €3k▼ 12.4%

Current assets €12.12M▼ 1.3%

Equity and liabilities €12.12M

14.3%

85.7%

Equity €1.73M▼ 79.5%

Debt €10.39M▲ 170%

The debt ratio rises from 31.4% to 85.7%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

Solvency

14.3%▼

2024 · 68.6%

ROE

133.0%▲

2024 · 29.5%

ROA

19.0%▼

2024 · 20.2%

Debt

€10.39M▲

2024 · €3.86M

Debt ≤ 1 year

€10.35M▲

2024 · €3.83M

Income taxes

€777k▼

2024 · €839k

Staff costs

€1.04M▼

2024 · €1.16M

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€12.28M€12.12M▼

Fixed assets21/28€3k€3k▼

Tangible fixed assets22/27€3k€3k▼

Plant, machinery and equipment23€1k€1k▲

Furniture and vehicles24€2k€1k▼

Current assets29/58€12.28M€12.12M▼

Amounts receivable within one year40/41€799k€1.27M▲

Trade receivables40€644k€978k▲

Other amounts receivable41€155k€296k▲

Current investments50/53€1.20M€602k▼

Cash at bank and in hand54/58€10.27M€10.24M▼

Deferred charges and accrued income490/1€18k€8k▼

Equity and liabilities

Total equity and liabilities10/49€12.28M€12.12M▼

Equity10/15€8.43M€1.73M▼

Contributions10/11€79k€79k=

Capital10€62k€62k=

Issued capital100€62k€62k=

Outside capital11€17k€17k=

Share premium1100/10€17k€17k=

Reserves13€8.35M€1.65M▼

Non-distributable reserves130/1€6k€6k=

Legal reserve130€6k€6k=

Tax-exempt reserves132€211k-

Distributable reserves133€8.13M€1.65M▼

Profit (loss) carried forward14€810€291▼

Amounts payable17/49€3.86M€10.39M▲

Amounts payable within one year42/48€3.83M€10.35M▲

Trade debts44€434k€1.09M▲

Suppliers440/4€434k€1.09M▲

Taxes, remuneration and social security45€321k€269k▼

Taxes450/3€282€3k▲

Remuneration and social security454/9€321k€266k▼

Other amounts payable47/48€3.07M€9.00M▲

Accrued charges and deferred income492/3€29k€41k▲

Income statement Code20242025

Remuneration, social security and pensions62€1.16M€1.04M▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€586€1k▲

Other operating charges640/8€1k€1k▲

Gross operating margin9900€4.20M€3.98M▼

Operating profit (loss)9901€3.04M€2.94M▼

Financial income75/76B€264k€139k▼

Recurring financial income75€264k€139k▼

Financial charges65/66B€-22k€-4k▲

Recurring financial charges65€-22k€-4k▲

Profit (loss) for the period before taxes9903€3.32M€3.08M▼

Income taxes67/77€839k€777k▼

Profit (loss) for the period9904€2.48M€2.30M▼

Transfer from tax-exempt reserves789€589k€211k▼

Profit (loss) for the period to be appropriated9905€3.07M€2.51M▼

Appropriation of the result

Profit (loss) to be appropriated9906€3.07M€2.51M▼

Profit (loss) brought forward from the previous period14P€210€810▲

Transfer from equity791/2-€6.49M

Profit to be distributed694/7€3.07M€9.00M▲

Return on contributions (dividend)694€3.07M€9.00M▲

Social balance

Average headcount (FTE)90877.46.7▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 29Financial 2Gazette 17Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

05-08

State Gazette act Resignations & appointments

Board meeting · Power of attorney2 facts ▸

Board meeting, 19/05/2026
Power of attorney, Marc Van kerckhoven

20-03

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

11-04

State Gazette act Resignations & appointments

General meeting · Director resignation · Permanent representative8 facts ▸

General meeting, 25-03-2025
Director resignation, Guinée BV (director)
Permanent representative, Jean Guinée
Director resignation, Jan Desmet (director)
Board composition, Pedro Matthynssens (director)
Board composition, Frank Fripon (bestuurder, gedelegeerd bestuurder)
Board composition, Koen Dierckx (director)
Board composition, Luk Van Elsacker (director)

25-03

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

12-04

State Gazette act Resignations & appointments

General meeting · Director reappointment · Permanent representative11 facts ▸

General meeting, 07-03-2024
Director reappointment, Pedro Matthynssens (director)
Director reappointment, Guinée BV (director)
Director reappointment, Frank Fripon (director)
Director reappointment, Koen Dierckx (director)
Permanent representative, Jean Guinée
Auditor reappointment, BDO Bedrijfsrevisoren BV
Permanent representative, Philippe Venken
Director appointment, Pedro Matthynssens (chair of the board)
Director appointment, Guinée BV (managing director)
Director appointment, Frank Fripon (managing director)

27-03

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Highest result since 2018net €3.08M ▲39.5%

Operating result €4.11M, net result €3.08M, both a record.

25-08

State Gazette act Registered office · Miscellaneous

General meeting · Registered-office move2 facts ▸

General meeting, 28-06-2023
Registered-office move, 2140 Antwerpen, Plantin en Moretuslei 297

03-07

State Gazette act Statutes amendment

General meeting · Statutes amendment10 facts ▸

General meeting, 28-06-2023
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment

21-03

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

19-04

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

25-10

State Gazette act Resignations & appointments

General meeting · Director appointment · Board meeting10 facts ▸

General meeting, 21-09-2021
Director appointment, Frank FRIPON (director)
Board meeting, 21-09-2021
Director appointment, Frank FRIPON (managing director)
Director appointment, Koen Dierckx (director)
Board composition, Pedro Matthynssens (chair of the board)
Board composition, Guinée BV (managing director)
Permanent representative, Jean Guinée
Board composition, Koen Dierckx (director)
Board composition, Frank FRIPON (managing director)

14-05

State Gazette act Resignations & appointments

General meeting · Director reappointment · Director appointment10 facts ▸

General meeting, 04-03-2021
Director reappointment, Pedro Matthynssens (director)
Director appointment, Pedro Matthynssens (chair of the board)
Director reappointment, Guinée BV (director)
Permanent representative, Jean Guinée
Director reappointment, Koen Dierckx (director)
Director appointment, Guinée BV (managing director)
Director appointment, Koen Dierckx (managing director)
Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
Permanent representative, Philippe Venken

01-04

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

31-12

Financial Equity above €5MEq €5.42M ▲19.7%

3 profitable years in a row build equity to €5.42M.

27-03

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

26-03

State Gazette act Resignations & appointments

General meeting · Director resignation · Board meeting9 facts ▸

General meeting, 07-03-2019
Director resignation, Wim Lanclus (director)
Director resignation, Pieter Panneel (director)
Board meeting, 27-02-2019
Director appointment, Koen Dierckx (managing director)
Board composition, Pedro Matthynssens (chair of the board)
Board composition, Guinée BVBA (managing director)
Permanent representative, Jean Guinée
Board composition, Koen Dierckx (managing director)

20-03

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

28-01

State Gazette act Resignations & appointments

Permanent representative1 fact ▸

Permanent representative, Philippe Venken

2018

13-06

State Gazette act Resignations & appointments

General meeting · Director reappointment · Director appointment12 facts ▸

General meeting, 01-03-2018
Director reappointment, Pedro dro Matthynssens (director)
Director appointment, Pedro dro Matthynssens (chair of the board)
Director reappointment, Guinée BVBA (director)
Director reappointment, Wim Lanclus (director)
Director reappointment, Koen Dierckx (director)
Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
General meeting, 08-05-2018
Director appointment, Pieter Panneel (director)
Director appointment, Guinée BVBA (managing director)
Director appointment, Wim Lanclus (managing director)
Director appointment, Pieter Panneel (managing director)

20-03

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

03-04

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

2015

10-06

State Gazette act Resignations & appointments

General meeting · Director appointment2 facts ▸

General meeting, 08-05-2015
Director appointment, Koen Dierckx (director)

20-04

State Gazette act Resignations & appointments

General meeting · Director reappointment · Permanent representative7 facts ▸

General meeting, 05/03/2015
Director reappointment, Pedro Matthynssens (director and chair of the board)
Director reappointment, Guinée BVBA (managing director)
Permanent representative, Jean Guinée
Director reappointment, Wim Lanclus (managing director)
Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
Permanent representative, Hans Wilmots

2014

03-04

State Gazette act Resignations & appointments

General meeting · Director resignation · Director appointment5 facts ▸

General meeting, 06-03-2014
Director resignation, Mark Leysen (director and chair of the board)
Director appointment, Pedro Matthynssens (chair of the board)
Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
Permanent representative, Hans Wilmots

2013

27-06

State Gazette act Resignations & appointments

General meeting · Director resignation · Permanent representative4 facts ▸

General meeting, 23-05-2013
Director resignation, LUC-IDE CONSULT (director)
Permanent representative, Luc PEETERS
Director appointment, Pedro MATTHYNSSENS (director)

2012

30-04

State Gazette act Capital & shares · Statutes amendment · Legal-form change · Resignations & appointments

General meeting · Capital increase · Capital17 facts ▸

General meeting, 16-04-2012
Capital increase, €8.924,16
Capital increase, €33.983,83
Capital, €61.500
Legal-form conversion, Naamloze vennootschap
Statutes amendment
Director resignation, GUINÉE Jean Marie Baudouin François (manager)
Director discharge, GUINÉE Jean Marie Baudouin François
Director appointment, GUINEE (director)
Permanent representative, GUINÉE Jean Marie Baudouin François
Director appointment, LANCLUS Wim Hector Alida (director)
Director appointment, LEYSEN Marc Marcellinus Ludovicus Joseph Liliane Rita (director)
+5 further facts in this act

14-03

State Gazette act Miscellaneous

Merger1 fact ▸

Merger, inbreng van een bedrijfstak

2011

05-12

State Gazette act Registered office · Statutes amendment · Resignations & appointments

General meeting · Name change · Registered-office move9 facts ▸

General meeting, 21/11/2011
Name change, VANBREDA CREDINCO
Registered-office move, 2930 Brasschaat, Miksebaan 236 bus 1
Capital
Director resignation, GC MANAGEMENT (manager)
Director discharge, GC MANAGEMENT
Permanent representative, COLARDYN Gregory
Auditor appointment, BDO BEDRIJFSREVISOREN (statutory auditor)
Permanent representative, WILMOTS Hans

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

15 directors, no change since 2025

Frank Fripon

Managing director · since 21-09-2021

Current

Koen Dierckx

Director · since 08-05-2015

Current

Pedro Matthynssens

Chair of the board · since 01-07-2013

Current

Guinée BVBA

Managing director · since 01-03-2018 · Legal entity · perm. rep.: Jean Guinée

Not recently confirmed

Pedro dro Matthynssens

Chair of the board · since 01-03-2018

Not recently confirmed

DESMET Jan Frans Michel

Director · since 16-04-2012

Not recently confirmed

+ 3 not shown in this overview

31-03-2025 Guinée BV: Resigned as Director

07-03-2024 Frank Fripon: Appointed as Managing director

07-03-2024 Pedro Matthynssens: Appointed as Chair of the board

07-03-2024 Guinée BV: Appointed as Managing director

21-09-2021 Frank Fripon: Appointed as Director

21-09-2021 Frank Fripon: Appointed as Managing director

21-09-2021 Koen Dierckx: Appointed as Director

04-03-2021 Koen Dierckx: Appointed as Managing director

04-03-2021 Pedro Matthynssens: Appointed as Chair of the board

04-03-2021 Guinée BV: Appointed as Managing director

07-03-2019 Pieter Panneel: Resigned as Director

07-03-2019 Wim Lanclus: Resigned as Director

27-02-2019 Koen Dierckx: Appointed as Managing director

01-03-2018 Guinée BVBA: Appointed as Managing director

01-03-2018 Pedro dro Matthynssens: Appointed as Chair of the board

01-03-2018 Pieter Panneel: Appointed as Director

01-03-2018 Pieter Panneel: Appointed as Managing director

01-03-2018 Wim Lanclus: Appointed as Managing director

08-05-2015 Koen Dierckx: Appointed as Director

05-03-2015 Jan Desmet: Resigned as Director

06-03-2014 Pedro Matthynssens: Appointed as Chair of the board

06-03-2014 Mark Leysen: Resigned as Director and chair of the board

01-07-2013 Pedro Matthynssens: Appointed as Director

16-04-2012 DESMET Jan Frans Michel: Appointed as Director

+ 6 not shown in this overview

Location & real-estate footprint

Registered office, Antwerpen · 1 establishment unit since 1998

establishment approximate The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Plantin en Moretuslei 2972140 Antwerpen

Ground area

9,291 m²

Building footprint

2,425 m²

Volume, LiDAR

57,490 m³

Parcel 11006A0326/00F008, Flanders · tallest building 34.5 m, ±9 floors. Linked by address, not a title deed.

1 establishment unit

Plantin en Moretuslei 297, 2140 Antwerpen

NACE 67201

since 19982.085.027.272

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11006A0326/00F008	Flanders	9,291 m²	1 · 2,425 m²	34.5 m · 9 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Statutory auditor

2 auditors

BDO Bedrijfsrevisoren Burg. Venn. CVBACurrent

Auditor · represented by Philippe Venken

06-03-2014 → present

Show 1 earlier auditors

BDO BEDRIJFSREVISOREN-BDO REVISEURS D'ENTREPRISES

Auditor · represented by Philippe Venken

succeeded by BDO Bedrijfsrevisoren Burg. Venn. CVBA in 2014

05-12-2011 → 06-03-2014

Articles of association

Purpose

De agentuur en makelarj van alle verzekeringen en herverzekeringen, de aan- verkoop of beheer van verzekeringsportefeuilles in hun geheel of ten dele en in het algemeen alle…

Full purpose

De agentuur en makelarj van alle verzekeringen en herverzekeringen, de aan- verkoop of beheer van verzekeringsportefeuilles in hun geheel of ten dele en in het algemeen alle handelingen die de bedrijvigheid der vennootschap kunnen begunstigen of uitbreiden; de makelarij in alle krediet- en financiële verrichtingen; studie-, organisatie en raadgevend bureau inzake financiële, handels-, fiscale en sociale aangelegenheden.

according to the deed of 30-04-2012