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CREFIUS

Active Risk: not assessed
Public limited companyfounded 1911115 yrs activeKarel Rogierplein 11, 1210 Sint-Joost-ten-Node, BelgiumKBO/BCE: BE 0405.549.377
Summary

CREFIUS 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 €18.46M and a net result of €5.09M. Equity is shrinking by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 2399 sector peers (fiscal year 2025). The company has been active since 1911 and the Belgian State Gazette contains no insolvency or warning signals.

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.
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Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
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 26-03-2026, 127 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
127 d early
2024
126 d early
2023
106 d early
2022
102 d early
2021
125 d early
2020
131 d early
2019
106 d early
← before the deadline after the deadline →
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.
Companies Code · seven months
Position in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

On 11 May 1911, CREFIUS was incorporated.1 CEB Fin - DKB Fin was merged into the company in 2009.2 In 2011 the company took the name Crefius.3 The registered office was moved to Brussel in 2018.4 Of the 5 current board members, Falepin Pieter has served longest, since 2019.5 Total assets went from EUR 59 million in 2018 to EUR 28 million in 2025 and headcount from 196 to 197 full-time equivalents.6

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 08-07-2009
  3. 3Belgian State Gazette, 17-10-2011
  4. 4Belgian State Gazette, 01-06-2018
  5. 5Belgian State Gazette, 17-01-2025
  6. 6National Bank, annual accounts 2018 and 2025

Financials · fiscal year 2025, full schema

Equity
€18.46M▲ 3.4%
2024 · €17.85M
Net result
€5.09M▲ 23.8%
2024 · €4.11M
Total assets
€28.09M▼ 2.0%
2024 · €28.67M
Solvency
65.7%▲ 3.4pp
2024 · 62.3%
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Turnover€33.94M▲ 3.1%€33.34M▼ 1.8%€32.35M▼ 3.0%€35.47M▲ 9.7%€36.92M▲ 4.1%
Operating result€8.35M▼ 8.2%€8.48M▲ 1.5%€4.32M▼ 49.0%€5.54M▲ 28.1%€6.74M▲ 21.7%
Net result€6.02M▼ 11.2%€6.15M▲ 2.3%€3.19M▼ 48.1%€4.11M▲ 28.7%€5.09M▲ 23.8%
Equity€16.28M▼ 62.1%€17.54M▲ 7.7%€17.93M▲ 2.2%€17.85M▼ 0.4%€18.46M▲ 3.4%
Total assets€29.03M▼ 47.0%€28.42M▼ 2.1%€25.83M▼ 9.1%€28.67M▲ 11.0%€28.09M▼ 2.0%
Debt€11.86M▲ 4.0%€9.58M▼ 19.3%€6.66M▼ 30.5%€9.74M▲ 46.3%€8.82M▼ 9.4%
Working capital€9.46M▼ 73.8%€10.30M▲ 8.8%€8.44M▼ 18.0%€7.00M▼ 17.1%€6.66M▼ 4.9%
Solvency56.1%▼ 22.3pp61.7%▲ 5.6pp69.4%▲ 7.7pp62.3%▼ 7.1pp65.7%▲ 3.4pp
Staff (FTE)207.2▲ 1.5%206.1▼ 0.5%194.3▼ 5.7%191.9▼ 1.2%197.4▲ 2.9%
Result per fiscal year
Operating resultNet result
€0€2.50M€5.00M€7.50MOperating result 2021: €8.35M€8.35MNet result 2021: €6.02M€6.02MOperating result 2022: €8.48M€8.48MNet result 2022: €6.15M€6.15MOperating result 2023: €4.32M€4.32MNet result 2023: €3.19M€3.19MOperating result 2024: €5.54M€5.54MNet result 2024: €4.11M€4.11MOperating result 2025: €6.74M€6.74MNet result 2025: €5.09M€5.09M20212022202320242025€0€2M€4M€6MOperating result 2023: €4.32M€4.3MNet result 2023: €3.19M€3.2MOperating result 2024: €5.54M€5.5MNet result 2024: €4.11M€4.1MOperating result 2025: €6.74M€6.7MNet result 2025: €5.09M€5.1M202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28.09M
Fixed assets €12.72M ▲ 5.8%
Current assets €15.37M ▼ 7.7%
Equity and liabilities €28.09M
Equity €18.46M ▲ 3.4%
Provisions €809k ▼ 25.0%
Debt €8.82M ▼ 9.4%
Debt's share of the balance-sheet total falls from 34.0% to 31.4%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
27.6%▲
2024 · 23.0%
ROA
18.1%▲
2024 · 14.3%
Debt ≤ 1 year
€8.72M▼
2024 · €9.66M
Income taxes
€1.86M▲
2024 · €1.66M
Staff costs
€17.45M▲
2024 · €16.59M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 77 lines
Balance sheet Code20242025
Assets
Total assets20/58€28.67M€28.09M▼
Fixed assets21/28€12.01M€12.72M▲
Intangible fixed assets21€7.90M€8.78M▲
Tangible fixed assets22/27€4.10M€3.92M▼
Land and buildings22€2.82M€2.79M▼
Plant, machinery and equipment23€331k€286k▼
Furniture and vehicles24€922k€816k▼
Other tangible fixed assets26€33k€26k▼
Financial fixed assets28€10k€10k=
Other financial fixed assets284/8€10k€10k=
Shares284€7k€7k=
Amounts receivable and cash guarantees285/8€3k€3k=
Current assets29/58€16.65M€15.37M▼
Amounts receivable within one year40/41€3.81M€3.04M▼
Trade receivables40€3.10M€2.41M▼
Other amounts receivable41€707k€627k▼
Current investments50/53€5.00M€5.00M=
Other investments51/53€5.00M€5.00M=
Cash at bank and in hand54/58€7.43M€6.92M▼
Deferred charges and accrued income490/1€409k€412k▲
Equity and liabilities
Total equity and liabilities10/49€28.67M€28.09M▼
Equity10/15€17.85M€18.46M▲
Contributions10/11€2.50M€2.50M=
Capital10€2.50M€2.50M=
Issued capital100€2.50M€2.50M=
Reserves13€14.53M€14.24M▼
Non-distributable reserves130/1€250k€250k=
Legal reserve130€250k€250k=
Tax-exempt reserves132€1.04M€748k▼
Distributable reserves133€13.24M€13.24M=
Profit (loss) carried forward14€813k€1.72M▲
Provisions and deferred taxes16€1.08M€809k▼
Provisions for liabilities and charges160/5€731k€559k▼
Other liabilities and charges164/5€731k€559k▼
Deferred taxes168€347k€249k▼
Amounts payable17/49€9.74M€8.82M▼
Amounts payable within one year42/48€9.66M€8.72M▼
Trade debts44€1.07M€1.06M▼
Suppliers440/4€1.07M€1.06M▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€3.10M€3.17M▲
Taxes450/3€453k€596k▲
Remuneration and social security454/9€2.64M€2.58M▼
Other amounts payable47/48€5.49M€4.48M▼
Accrued charges and deferred income492/3€83k€107k▲
Income statement Code20242025
Operating income70/76A€36.25M€37.44M▲
Turnover70€35.47M€36.92M▲
Other operating income74€651k€492k▼
Non-recurring operating income76A€128k€27k▼
Operating charges60/66A€30.72M€30.70M=
Services and other goods61€12.40M€11.56M▼
Remuneration, social security and pensions62€16.59M€17.45M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.70M€1.79M▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-78k€-172k▼
Other operating charges640/8€69k€70k▲
Non-recurring operating charges66A€44k€443▼
Operating profit (loss)9901€5.54M€6.74M▲
Financial income75/76B€154k€118k▼
Recurring financial income75€154k€118k▼
Income from financial fixed assets750€723€725▲
Income from current assets751€153k€117k▼
Financial charges65/66B€12k€13k▲
Recurring financial charges65€12k€13k▲
Debt charges650€12k€13k▲
Profit (loss) for the period before taxes9903€5.68M€6.85M▲
Transfer from deferred taxes780€93k€98k▲
Income taxes67/77€1.66M€1.86M▲
Taxes670/3€1.66M€1.89M▲
Tax adjustments and reversals of tax provisions77€0€33k▲
Profit (loss) for the period9904€4.11M€5.09M▲
Transfer from tax-exempt reserves789€278k€294k▲
Profit (loss) for the period to be appropriated9905€4.39M€5.38M▲
Appropriation of the result
Profit (loss) to be appropriated9906€5.00M€6.19M▲
Profit (loss) brought forward from the previous period14P€615k€813k▲
Profit to be distributed694/7€4.19M€4.48M▲
Return on contributions (dividend)694€4.19M€4.48M▲
Social balance
Average headcount (FTE)9087191.9197.4▲

The notes to these accounts (70 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Operating income70/76A-€36.43M€33.51M€36.25M€37.44M▲ 3.3%
Turnover70€33.94M€33.34M€32.35M€35.47M€36.92M▲ 4.1%
Other operating income74-€1.02M€992k€651k€492k▼ 24.4%
Non-recurring operating income76A-€2.07M€166k€128k€27k▼ 78.8%
Operating charges60/66A-€27.95M€29.18M€30.72M€30.70M=
Goods for resale, raw materials and consumables60-€293€2k---
Purchases600/8-€293€2k---
Services and other goods61-€10.71M€11.64M€12.40M€11.56M▼ 6.8%
Remuneration, social security and pensions62-€15.82M€16.10M€16.59M€17.45M▲ 5.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.40M€1.45M€1.40M€1.70M€1.79M▲ 5.2%
Provisions for liabilities and charges: additions (uses and reversals)635/8-€-84k€8k€-78k€-172k▼ 120%
Other operating charges640/8-€39k€33k€69k€70k▲ 1.7%
Non-recurring operating charges66A-€11k€2k€44k€443▼ 99.0%
Operating profit (loss)9901€8.35M€8.48M€4.32M€5.54M€6.74M▲ 21.7%
Financial income75/76B-€6k€105k€154k€118k▼ 23.6%
Recurring financial income75€70k€6k€105k€154k€118k▼ 23.6%
Income from financial fixed assets750-€745€600€723€725▲ 0.3%
Income from current assets751-€6k€104k€153k€117k▼ 23.7%
Financial charges65/66B-€73k€19k€12k€13k▲ 2.3%
Recurring financial charges65€133k€73k€19k€12k€13k▲ 2.3%
Debt charges650€133k€73k€19k€12k€13k▲ 2.3%
Profit (loss) for the period before taxes9903€8.29M€8.41M€4.41M€5.68M€6.85M▲ 20.5%
Transfer from deferred taxes780--€69k€93k€98k▲ 5.7%
Transfer to deferred taxes680-€509k€0---
Income taxes67/77€2.27M€1.75M€1.29M€1.66M€1.86M▲ 11.7%
Taxes670/3-€1.75M€1.29M€1.66M€1.89M▲ 13.7%
Tax adjustments and reversals of tax provisions77-€355-€0€33k-
Profit (loss) for the period9904€6.02M€6.15M€3.19M€4.11M€5.09M▲ 23.8%
Transfer from tax-exempt reserves789-€318k€206k€278k€294k▲ 5.7%
Transfer to tax-exempt reserves689-€1.56M€0---
Profit (loss) for the period to be appropriated9905€7.23M€4.91M€3.40M€4.39M€5.38M▲ 22.7%
Line20212022202320242025Change
Assets
Total assets20/58€29.03M€28.42M€25.83M€28.67M€28.09M▼ 2.0%
Fixed assets21/28€8.08M€8.92M€10.79M€12.01M€12.72M▲ 5.8%
Intangible fixed assets21€4.93M€5.49M€6.63M€7.90M€8.78M▲ 11.2%
Tangible fixed assets22/27€3.10M€3.38M€4.11M€4.10M€3.92M▼ 4.5%
Land and buildings22-€2.88M€2.85M€2.82M€2.79M▼ 0.9%
Plant, machinery and equipment23-€14k€185k€331k€286k▼ 13.6%
Furniture and vehicles24-€442k€1.04M€922k€816k▼ 11.5%
Other tangible fixed assets26-€46k€40k€33k€26k▼ 21.0%
Financial fixed assets28€52k€51k€51k€10k€10k=
Other financial fixed assets284/8-€51k€51k€10k€10k=
Shares284-€7k€7k€7k€7k=
Amounts receivable and cash guarantees285/8-€43k€44k€3k€3k=
Current assets29/58€20.95M€19.51M€15.05M€16.65M€15.37M▼ 7.7%
Amounts receivable within one year40/41€2.86M€4.41M€3.11M€3.81M€3.04M▼ 20.2%
Trade receivables40-€4.24M€2.82M€3.10M€2.41M▼ 22.3%
Other amounts receivable41-€171k€283k€707k€627k▼ 11.3%
Current investments50/53€2.00M€2.00M€5.00M€5.00M€5.00M=
Other investments51/53-€2.00M€5.00M€5.00M€5.00M=
Cash at bank and in hand54/58€15.84M€12.75M€6.59M€7.43M€6.92M▼ 6.9%
Deferred charges and accrued income490/1-€354k€347k€409k€412k▲ 0.7%
Equity and liabilities
Total equity and liabilities10/49€29.03M€28.42M€25.83M€28.67M€28.09M▼ 2.0%
Equity10/15€16.28M€17.54M€17.93M€17.85M€18.46M▲ 3.4%
Contributions10/11€2.50M€2.50M€2.50M€2.50M€2.50M=
Capital10-€2.50M€2.50M€2.50M€2.50M=
Issued capital100-€2.50M€2.50M€2.50M€2.50M=
Reserves13€13.77M€15.02M€14.81M€14.53M€14.24M▼ 2.0%
Non-distributable reserves130/1-€250k€250k€250k€250k=
Legal reserve130-€250k€250k€250k€250k=
Tax-exempt reserves132-€1.53M€1.32M€1.04M€748k▼ 28.2%
Distributable reserves133-€13.24M€13.24M€13.24M€13.24M=
Profit (loss) carried forward14€8k€17k€615k€813k€1.72M▲ 111%
Provisions and deferred taxes16€884k€1.31M€1.25M€1.08M€809k▼ 25.0%
Provisions for liabilities and charges160/5-€801k€808k€731k€559k▼ 23.5%
Other liabilities and charges164/5-€801k€808k€731k€559k▼ 23.5%
Deferred taxes168-€509k€440k€347k€249k▼ 28.2%
Amounts payable17/49€11.86M€9.58M€6.66M€9.74M€8.82M▼ 9.4%
Amounts payable within one year42/48€11.49M€9.21M€6.60M€9.66M€8.72M▼ 9.8%
Trade debts44€1.37M€1.51M€887k€1.07M€1.06M▼ 1.2%
Suppliers440/4-€1.51M€887k€1.07M€1.06M▼ 1.2%
Advances received on contracts in progress46-€2k€2k€2k€2k=
Taxes, remuneration and social security45-€2.78M€2.52M€3.10M€3.17M▲ 2.5%
Taxes450/3-€480k€382k€453k€596k▲ 31.5%
Remuneration and social security454/9-€2.30M€2.13M€2.64M€2.58M▼ 2.5%
Other amounts payable47/48-€4.92M€3.20M€5.49M€4.48M▼ 18.3%
Accrued charges and deferred income492/3-€369k€55k€83k€107k▲ 28.9%
Line20212022202320242025Change
Profit (loss) for the period9904€6.02M€6.15M€3.19M€4.11M€5.09M▲ 23.8%
+ Depreciation and write-downs630€1.40M€1.45M€1.40M€1.70M€1.79M▲ 5.2%
Operating cash flow (approximation)€7.42M€7.60M€4.59M€5.81M€6.87M▲ 18.4%
Investment in fixed assets (approximation)-€-2.28M€-3.27M€-2.92M€-2.49M▲ 14.8%
Change in cash-€-3.10M€-6.15M€841k€-513k▼ 161%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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More with these figures Sector benchmark What changed Value indication

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-08
State Gazette act Reappointment: Johan Van Loock (director)
Appointment: Deloitte (statutory auditor) · Auditor non renewal4 facts ▸
  • Board meeting
  • Director reappointment, Johan Van Loock (director)
  • Auditor appointment, Deloitte (statutory auditor)
  • Auditor non renewal, commissaris, maart 2026 (AGM)
26-03
NBB filing Annual accounts filed
fiscal year 2025 · full schema
19-02
State Gazette act Resignations: Camille Gillon (director) and Philippe Demazy (director)
Appointments: Mia Neyens (gecoöpteerd bestuurder) and Daniel Menu (gecoöpteerd bestuurder)4 facts ▸
  • Director resignation, Camille Gillon (director)
  • Director appointment, Mia Neyens (gecoöpteerd bestuurder)
  • Director resignation, Philippe Demazy (director)
  • Director appointment, Daniel Menu (gecoöpteerd bestuurder)
2025
06-10
State Gazette act Resignations & appointments
Power of attorney · Mandate term33 facts ▸
  • Power of attorney, Marleen VAN ASSCHE
  • Power of attorney, Jan VAN DAMME
  • Power of attorney, Eve RENNEBOOG
  • Power of attorney, Mariann SPIESSENS
  • Power of attorney, Aagje LEFEBVRE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Geert VANDYCKE
  • Power of attorney, Peter LYCKE
  • Power of attorney, Cédric SCOHY
  • Power of attorney, Denis MICHAUX
  • Power of attorney, Joëlle FRANCOIS
  • +21 further facts in this act
26-09
State Gazette act Miscellaneous
Power of attorney · Mandate term33 facts ▸
  • Power of attorney, Marleen VAN ASSCHE
  • Power of attorney, Jan VAN DAMME
  • Power of attorney, Eve RENNEBOOG
  • Power of attorney, Mariann SPIESSENS
  • Power of attorney, Aagje LEFEBVRE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Geert VANDYCKE
  • Power of attorney, Peter LYCKE
  • Power of attorney, Cédric SCOHY
  • Power of attorney, Denis MICHAUX
  • Power of attorney, Joëlle FRANCOIS
  • +21 further facts in this act
26-06
State Gazette act Reappointment: Falepin Pieter (director)
1 fact ▸
  • Director reappointment, Falepin Pieter (director)
27-03
NBB filing Annual accounts filed
fiscal year 2024 · full schema
17-01
State Gazette act Resignation: Ilse Spinnael (director and chair)
Appointments: Pieter Falepin (chair) and Camille Gillon (gecoöpteerd bestuurder)3 facts ▸
  • Director resignation, Ilse Spinnael (director and chair)
  • Director appointment, Pieter Falepin (chair)
  • Director appointment, Camille Gillon (gecoöpteerd bestuurder)
2024
22-07
State Gazette act Resignation: Aurélie Thiran (director)
1 fact ▸
  • Director resignation, Aurélie Thiran (director)
16-04
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial Weakest financial yearnet €3.19M ▼48.1%
Net result drops to €3.19M, the lowest in the series; recovery starts the following year.
22-09
State Gazette act Resignation: François Gengoux (director)
Appointment: Aurélie Thiran (gecoöpteerd bestuurder)2 facts ▸
  • Director resignation, François Gengoux (director)
  • Director appointment, Aurélie Thiran (gecoöpteerd bestuurder)
Show earlier events
26-04
State Gazette act Resignation: Delputz Arnaud (director)
Appointment: Gengoux François (director)3 facts ▸
  • General meeting, 23/03/2023
  • Director resignation, Delputz Arnaud (director)
  • Director appointment, Gengoux François (director)
26-04
State Gazette act Appointment: KPMG (statutory auditor)
2 facts ▸
  • General meeting, 23/03/2023
  • Auditor appointment, KPMG (statutory auditor)
20-04
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
State Gazette act Resignation: Arnaud Delputz (director)
Appointment: François Gengoux (gecoöpteerd bestuurder)2 facts ▸
  • Director resignation, Arnaud Delputz (director)
  • Director appointment, François Gengoux (gecoöpteerd bestuurder)
28-03
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
29-07
State Gazette act Appointment: Spinnael Ilse (chair of the board)
1 fact ▸
  • Director appointment, Spinnael Ilse (chair of the board)
19-04
State Gazette act Resignations: Gyselinck Dirk, Van Assche Marleen and 3 others
Reappointments: Van Assche Marleen, Spinnael Ilse and 2 others · Appointment: Van Loock Johan (director)11 facts ▸
  • General meeting, 18/03/2021
  • Director resignation, Gyselinck Dirk (director and chair of the board)
  • Director resignation, Van Assche Marleen (director)
  • Director resignation, Spinnael Ilse (director)
  • Director resignation, Demazy Philippe (director)
  • Director resignation, Delputz Arnaud (director)
  • Director reappointment, Van Assche Marleen (director)
  • Director reappointment, Spinnael Ilse (director)
  • Director reappointment, Demazy Philippe (director)
  • Director reappointment, Delputz Arnaud (director)
  • Director appointment, Van Loock Johan (director)
22-03
NBB filing Annual accounts filed
fiscal year 2020 · full schema
10-03
State Gazette act Appointment: Van Loock Johan (director)
1 fact ▸
  • Director appointment, Van Loock Johan (director)
08-03
State Gazette act Appointment: KPMG Bedrijfsrevisoren BV/SRL (statutory auditor)
Permanent representative: Vanessa Cordonnier · Resignation: Deloitte (statutory auditor)4 facts ▸
  • General meeting, 19/03/2020
  • Auditor appointment, KPMG Bedrijfsrevisoren BV/SRL (statutory auditor)
  • Permanent representative, Vanessa Cordonnier
  • Auditor resignation, Deloitte
26-01
State Gazette act Appointment: KPMG (statutory auditor)
Resignation: Deloitte (revisor)3 facts ▸
  • General meeting, 19/03/2020
  • Auditor appointment, KPMG (statutory auditor)
  • Auditor resignation, Deloitte (revisor)
2020
21-08
State Gazette act Resignations & appointments
Power of attorney · Mandate term31 facts ▸
  • Power of attorney, Marleen VAN ASSCHE
  • Power of attorney, Jan VAN DAMME
  • Power of attorney, Eve RENNEBOOG
  • Power of attorney, Mariann SPIESSENS
  • Power of attorney, Aagje LEFEBVRE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Laurence LOISE
  • Power of attorney, Geert VANDYCKE
  • Power of attorney, Sophie DECLERCQ
  • Power of attorney, Peter LYCKE
  • Power of attorney, Catherine DELVAUX
  • +19 further facts in this act
03-08
State Gazette act Resignations & appointments
Power of attorney · Mandate term31 facts ▸
  • Power of attorney, Marleen VAN ASSCHE
  • Power of attorney, Jan VAN DAMME
  • Power of attorney, Eve RENNEBOOG
  • Power of attorney, Mariann SPIESSENS
  • Power of attorney, Aagje LEFEBVRE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Laurence LOISE
  • Power of attorney, Geert VANDYCKE
  • Power of attorney, Sophie DECLERCQ
  • Power of attorney, Peter LYCKE
  • Power of attorney, Catherine DELVAUX
  • +19 further facts in this act
16-04
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
13-12
State Gazette act Statutes amendment
Capital3 facts ▸
  • General meeting, 25/11/2019
  • Statutes amendment
  • Capital, €2.500.000
31-05
State Gazette act Permanent representatives: Bernard De Meulemeester and Bart Dewael
Accounting effect3 facts ▸
  • Permanent representative, Bernard De Meulemeester (vaste vertegenwoordiger van de commissaris)
  • Permanent representative, Bart Dewael (vaste vertegenwoordiger van de commissaris)
  • Accounting effect, 01/01/2019
19-04
State Gazette act Resignations: Olivier Onclin (director) and Martine Gelissen (director)
Appointments: Dirk Gyselinck (director) and Ilse Spinnael (director) · Reappointment: Pieter Falepin (director)6 facts ▸
  • General meeting, 21/03/2019
  • Director resignation, Olivier Onclin (director)
  • Director resignation, Martine Gelissen (director)
  • Director appointment, Dirk Gyselinck (director)
  • Director appointment, Ilse Spinnael (director)
  • Director reappointment, Pieter Falepin (director)
17-04
NBB filing Annual accounts filed
fiscal year 2018 · full schema
08-01
State Gazette act Resignation: Olivier Onclin (chair and director)
Appointment: Dirk Gyselinck (director)3 facts ▸
  • Board meeting, 14/12/2018
  • Director resignation, Olivier Onclin (chair and director)
  • Director appointment, Dirk Gyselinck (director)
2018
20-06
State Gazette act Resignation: Gelissen Martine (director)
Appointment: Spinnael lise, Heike (director)3 facts ▸
  • Board meeting, 18/05/2018
  • Director resignation, Gelissen Martine (director)
  • Director appointment, Spinnael lise, Heike (director)
01-06
State Gazette act Registered office
Registered-office move2 facts ▸
  • Board meeting, 18/05/2018
  • Registered-office move, 1210 Brussel (Sint-Joost-ten-Node), Karel Rogierplein 11
01-06
State Gazette act Resignation: Smet Dirk (director)
Appointment: Delputz Arnaud (director)3 facts ▸
  • General meeting, 22/03/2018
  • Director resignation, Smet Dirk (director)
  • Director appointment, Delputz Arnaud (director)
29-03
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
30-10
State Gazette act Resignation: Smet Dirk (director)
Appointment: Delputz Arnaud (director)3 facts ▸
  • Board meeting, 15/09/2017
  • Director resignation, Smet Dirk (director)
  • Director appointment, Delputz Arnaud (director)
04-05
State Gazette act Appointment: Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
2 facts ▸
  • General meeting, 23/03/2017
  • Auditor appointment, Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
20-04
NBB filing Annual accounts filed
fiscal year 2016 · full schema
2016
19-05
State Gazette act Appointments: Van Assche Marleen (director) and Gelissen Martine (director)
3 facts ▸
  • General meeting, 24/03/2016
  • Director appointment, Van Assche Marleen (director)
  • Director appointment, Gelissen Martine (director)
11-02
State Gazette act Appointment: Martine Gelissen (director)
2 facts ▸
  • Director appointment, Martine Gelissen (director)
  • General meeting, 24/03/2016
2015
15-10
State Gazette act Resignations & appointments
Power of attorney · Mandate term23 facts ▸
  • Power of attorney, Marleen VAN ASSCHE
  • Power of attorney, Laurence LOISE
  • Power of attorney, Marian DEBUSSCHERE
  • Power of attorney, Ignace DEPAEMELAERE
  • Power of attorney, Joachim DERENNE
  • Power of attorney, Martine DETHISE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Joëlle FRANCOIS
  • Power of attorney, Nathalie HENNAUX
  • Power of attorney, Etienne HUSDEN
  • Power of attorney, Jean-Marie LAURENT
  • +11 further facts in this act
07-10
State Gazette act Resignations: Ottoy Jan (director) and Vandamme Jan (interim afgevaardigd bestuurder)
Appointment: Van Assche Marleen (director)6 facts ▸
  • Board meeting, 10/09/2015
  • Director resignation, Ottoy Jan (director)
  • Director resignation, Ottoy Jan (afgevaardigd bestuurder)
  • Director appointment, Van Assche Marleen (director)
  • Director appointment, Van Assche Marleen (afgevaardigd bestuurder)
  • Director resignation, Vandamme Jan (interim afgevaardigd bestuurder)
10-08
State Gazette act Resignation: Pieters Noël (afgevaardigd bestuurder)
Appointments: Jan Ottoy (ad interim gedelegeerd bestuurder) and Vandamme Jan (day-to-day manager)4 facts ▸
  • Board meeting, 19/06/2015
  • Director resignation, Pieters Noël (afgevaardigd bestuurder)
  • Director appointment, Jan Ottoy (ad interim gedelegeerd bestuurder)
  • Director appointment, Vandamme Jan (day-to-day manager)
05-08
State Gazette act Resignations & appointments
Power of attorney · Mandate term22 facts ▸
  • Power of attorney, Jan OTTOY
  • Power of attorney, Laurence LOISE
  • Power of attorney, Marian DEBUSSCHERE
  • Power of attorney, Ignace DEPAEMELAERE
  • Power of attorney, Joachim DERENNE
  • Power of attorney, Martine DETHISE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Joelle FRANCOIS
  • Power of attorney, Nathalie HENNAUX
  • Power of attorney, Etienne HUSDEN
  • Power of attorney, Jean-Marie LAURENT
  • +10 further facts in this act
21-04
State Gazette act Reappointments: Ottoy Jan, Pieters Noël and Demazy Philippe
Appointments: Onclin Olivier (voorzitter van de raad) and Smet Dirk (director)6 facts ▸
  • General meeting, 19/03/2015
  • Director reappointment, Ottoy Jan (director)
  • Director reappointment, Pieters Noël (director)
  • Director reappointment, Demazy Philippe (director)
  • Director appointment, Onclin Olivier (voorzitter van de raad)
  • Director appointment, Smet Dirk (director)
2014
12-05
State Gazette act Appointment: Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
1 fact ▸
  • Auditor appointment, Deloitte Bedrijfsrevisoren BV CVBA (statutory auditor)
2013
16-12
State Gazette act Resignations & appointments
Power of attorney · Mandate term22 facts ▸
  • Power of attorney, Noël PIETERS
  • Power of attorney, Sébastien COLLETTE
  • Power of attorney, Marian DEBUSSCHERE
  • Power of attorney, Ignace DEPAEMELAERE
  • Power of attorney, Joachim DERENNE
  • Power of attorney, Martine DETHISE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Joëlle FRANCOIS
  • Power of attorney, Nathalie HENNAUX
  • Power of attorney, Etienne HUSDEN
  • Power of attorney, Jean-Marie LAURENT
  • +10 further facts in this act
30-04
State Gazette act Resignation: Christophe Burm (director)
Appointment: Jeroen Ost (director) · Reappointment: Falepin Pieter (director)4 facts ▸
  • General meeting, 19/04/2013
  • Director resignation, Christophe Burm (director)
  • Director appointment, Jeroen Ost (director)
  • Director reappointment, Falepin Pieter (director)
2012
12-10
State Gazette act Resignation: Burm Christophe (director)
Appointment: Jeroen Ost (director)4 facts ▸
  • Board meeting, 29/08/2012
  • Director resignation, Burm Christophe (director)
  • Board meeting, 11/09/2012
  • Director appointment, Jeroen Ost (director)
03-09
State Gazette act Appointment: Crefius NV (statutory auditor)
2 facts ▸
  • General meeting, 24/03/2011
  • Auditor appointment, Crefius NV (statutory auditor)
2011
17-10
State Gazette act Statutes amendment
Name change3 facts ▸
  • General meeting, 23/09/2011
  • Name change, Crefius
  • Statutes amendment
17-10
State Gazette act Resignations & appointments
Power of attorney · Mandate term20 facts ▸
  • Power of attorney, Noël PIETERS
  • Power of attorney, Sébastien COLLETTE
  • Power of attorney, Marian DEBUSSCHERE
  • Power of attorney, Ignace DEPAEMELAERE
  • Power of attorney, Martine DETHISE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Joëlle FRANCOIS
  • Power of attorney, Nathalie HENNAUX
  • Power of attorney, Etienne HUSDEN
  • Power of attorney, Jean-Marie LAURENT
  • Power of attorney, Brigitte MORAUX
  • +8 further facts in this act
18-03
State Gazette act Purpose · Statutes amendment
Purpose change3 facts ▸
  • General meeting, 18/02/2011
  • Purpose change, De vennootschap heeft tot doel het onderzoeken en het waarborgen van allerlei krediet- en leningverrichtingen, hierinbegrepen disconto-, delcredere- en borgstel…
  • Statutes amendment
22-02
State Gazette act Resignations & appointments
Power of attorney · Mandate term21 facts ▸
  • General meeting, 25/01/2011
  • Power of attorney, Noël PIETERS
  • Power of attorney, Sébastien COLLETTE
  • Power of attorney, Marian DEBUSSCHERE
  • Power of attorney, Ignace DEPAEMELAERE
  • Power of attorney, Martine DETHISE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Joëlle FRANCOIS
  • Power of attorney, Nathalie HENNAUX
  • Power of attorney, Etienne HUSDEN
  • Power of attorney, Jean-Marie LAURENT
  • +9 further facts in this act
2010
04-05
State Gazette act Resignations: Daniel Menu, Burm Christophe and Demazy Philippe
Appointments: Ottoy Jan, Burm Christophe and Demazy Philippe7 facts ▸
  • General meeting, 18/03/2010
  • Director resignation, Daniel Menu (director)
  • Director appointment, Ottoy Jan (director)
  • Director resignation, Burm Christophe (director)
  • Director resignation, Demazy Philippe (director)
  • Director appointment, Burm Christophe (director)
  • Director appointment, Demazy Philippe (director)
08-01
State Gazette act Resignation: Daniel MENU (director)
Appointment: Jan OTTOY (gecoöpteerd bestuurder) · Mandate compensation5 facts ▸
  • Board meeting, 25/11/2009
  • Director resignation, Daniel MENU (director)
  • Director appointment, Jan OTTOY (gecoöpteerd bestuurder)
  • Director appointment, Jan OTTOY (chair of the board)
  • Mandate compensation, Jan OTTOY
2009
07-12
State Gazette act Resignations & appointments
Power of attorney20 facts ▸
  • Power of attorney, Noël PIETERS
  • Power of attorney, William CARETTE
  • Power of attorney, Sébastien COLLETTE
  • Power of attorney, Marian DEBUSSCHERE
  • Power of attorney, Ignace DEPAEMELAERE
  • Power of attorney, Martine DETHISE
  • Power of attorney, Veerte D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Joëlile FRANCOIS
  • Power of attorney, Nathalie HENNAUX
  • Power of attorney, Etienne HUSDEN
  • Power of attorney, Jean-Mane LAURENT
  • +8 further facts in this act
08-07
State Gazette act Statutes amendment · Restructuring
Merger · Dissolution · Share cancellation11 facts ▸
  • General meeting, 16 juni 2009
  • Merger, 16 juni 2009
  • Dissolution, 16-06-2009
  • Share cancellation, CEB Fin - DKB Fin
  • Accounting effect, 1 januari 2009
  • Power of attorney, Jean-Luc Devogele
  • Power of attorney, leden van de raad van bestuur
  • Shareholder, DEXIA WOONKREDIETEN
  • Merger condition, zonder kapitaalverhoging
  • Merger condition, op basis van een balanstoestand afgesloten op 31 december 2008
  • Statutes amendment
29-05
State Gazette act Resignation: Olivier Renoird (director)
Reappointment: Daniel Menu (director)3 facts ▸
  • General meeting, 19 maart 2009
  • Director resignation, Olivier Renoird (director)
  • Director reappointment, Daniel Menu (director)
2008
30-06
State Gazette act Resignations & appointments
Power of attorney · Mandate term18 facts ▸
  • Power of attorney, Geert DE BAERE
  • Power of attorney, William CARETTE
  • Power of attorney, Ignace DEPAEMELAERE
  • Power of attorney, Martine DETHISE
  • Power of attorney, Veerle D'HOORE
  • Power of attorney, Michel FOSSEPREZ
  • Power of attorney, Joelle FRANCOIS
  • Power of attorney, Nathalie HENNAUX
  • Power of attorney, Etienne HUSDEN
  • Power of attorney, Jean-Marie LAURENT
  • Power of attorney, Gabriel PIERRET
  • Power of attorney, Noël PIETERS
  • +6 further facts in this act
04-06
State Gazette act Resignations: Roland Blomme (afgevaardigd bestuurder) and PriceWaterhousCoopers bcvba (statutory auditor)
Appointment: Deloitte bovba (statutory auditor)4 facts ▸
  • General meeting, 20/03/2008
  • Director resignation, Roland Blomme (afgevaardigd bestuurder)
  • Auditor appointment, Deloitte bovba
  • Auditor resignation, PriceWaterhousCoopers bcvba (statutory auditor)
2007
12-02
State Gazette act Appointment: Philippe Demazy (director)
Mandate compensation3 facts ▸
  • General meeting, 2 november 2006
  • Director appointment, Philippe Demazy (director)
  • Mandate compensation, Philippe Demazy
2005
30-03
State Gazette act Resignations & appointments
Power of attorney · Mandate term8 facts ▸
  • Power of attorney, Dirk Gyselink
  • Power of attorney, Michèle Colpaert
  • Power of attorney, Arnaud Frippiat
  • Power of attorney, Patrick Devis
  • Mandate term, 14/03/2005
  • Mandate term, 14/03/2005
  • Mandate term, 14/03/2005
  • Mandate term, 14/03/2005
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.An act published in both Dutch and French appears here once.
97 of 98 acts read
About the unread acts

Of the 98 Belgian State Gazette acts we know for this company, 97 have been read. The other one has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
7 directors, last change in 2026
Mia Neyens
Administrateur coopté · since 19-02-2026
Current
Dhr Menu Daniel
Administrateur coopté · since 01-01-2026
Current
Van Assche Marleen
Director · since 18-03-2021
Current
Van Loock Johan
Director · since 03-03-2021
Current
Falepin Pieter
Chair · since 21-03-2019
Current
Jeroen Ost
Director · since 11-09-2012
Not recently confirmed
1 other director
Oftloy Jan
Director · since 18-03-2010
Not recently confirmed
19-02-2026 Mia Neyens: Appointed as Administrateur coopté
19-02-2026 Mia Neyens: Appointed as Gecoöpteerd bestuurder
19-02-2026 Mevrouw Camille Gillon: Resigned as Director
19-02-2026 Mevrouw Camille Gillon: Resigned as Director
01-01-2026 Dhr Menu Daniel: Appointed as Administrateur coopté
Full history in the Timeline (128 changes) →
Not every act has been read: a resignation may be missing here
1 of this company's 98 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Sint-Joost-ten-Node · 3 establishment units since 1911
seat establishment approximate All 3 establishment units on the map
Ground area
6,470 m²
Building footprint
4,665 m²
Volume, LiDAR
271,788 m³
3 parcels, Brussels, Flanders, Wallonia · tallest building 144.7 m, ±28 floors. Linked by address, not a title deed.
63 companies at this address See who is registered here
3 establishment units
Sint-Amandsstraat 72, 8800 Roeselare
NACE 65210
since 19112.006.279.506
Karel Rogierplein 11, 1210 Sint-Joost-ten-Node
NACE 65210
since 19732.006.279.407
CREFIUS
Avenue des Combattants 34, 5000 NamurFinancial service activities, except insurance and pension funding
since 20222.329.292.375
3 parcels
Flanders 1 (33.3%) Wallonia 1 (33.3%) Brussels 1 (33.3%)
Parcel (capakey) Region Area Buildings Height / fl.
21014A0014/02L002 Brussels 3,343 m² 1 · 3,343 m² 144.7 m · 28 fl.
92094A0247/00D000indicative Wallonia 2,046 m² 1 · 1,115 m² -
36015A0362/00S004 Flanders 1,081 m² 1 · 207 m² 22.4 m · 6 fl.
Linked by address, not proof of ownership
Good to know
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Statutory auditor

1 auditor
KPMGCurrent
Commissaire réviseur
26-01-2021 → present
Show 3 earlier auditors
Deloite sccrl
Auditor
succeeded by Deloitte in 2012
04-06-2008 → 03-09-2012
Deloitte
Statutory auditor
succeeded by KPMG in 2021
03-09-2012 → 26-01-2021
Deloitte bovba
Auditor
succeeded by Deloitte in 2012
04-06-2008 → 03-09-2012

Articles of association

Purpose
De vennootschap heeft tot voorwerp het onderzoeken en het waarborgen van allerlei krediet- en leningverrichtingen, hierinbegrepen disconto-, delcredere- en…
Full purpose

De vennootschap heeft tot voorwerp het onderzoeken en het waarborgen van allerlei krediet- en leningverrichtingen, hierinbegrepen disconto-, delcredere- en borgstellingverrichtingen welke de naamloze vennootschap Belfius bank Belgie, iedere andere financiële instelling, verzekeringsonderneming of andere instelling die voormelde activiteiten uitvoert, realiseert door haar tussenkomst. De vennootschap mag bovendien allerlei handelseffecten disconteren en allerlei kredieten of leningen toestaan, hetzij voor rekening van de naamloze vennootschap Belfius Bank België, iedere andere financiële instelling, verzekeringsonderneming of andere instelling die voormelde activiteiten uitvoert, hetzij voor eigenrekening. Ten dien einde mag zij alle commerciële, industriële, roerende of onroerende verhandelingen verrichten die rechtstreeks of onrechtstreeks, geheel of gedeeltelijk verband houden met haar voorwerp of die van aard zouden zijn de verwezenlijking ervan te bevorderen. De vennootschap mag, bij wijze van inbreng, bijdrage, deelname, samenwerking of fusie, belangen nemen in alle zaken, vennootschappen of ondernemingen die hetzelfde, een soortgelijk, een gelijkaardig of samenhangend voorwerp hebben of geschikt zijn om rechtstreeks of onrechtstreeks de verwezenlijking van haar voorwerp te bevorderen.

Structure & network

Part of the group BELFIUS BANK 13 companies Group, risk and exposure

Connections & network

22 connected companies
Linked via shared directors
former→
former→
VICOLO
via Van Assche Marleen · Non-statutory director
former→
→
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BELFIUS IMMO
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Belgian Mobile ID
Shared director
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DE GENTSE KLUIS
Shared director
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ELANTIS
Shared director
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Shared director
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ISABEL
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Ownership & control

1 parent company
Control over this companyparent company per the LEI register1
controls
CREFIUSBE 0405.549.377

Acquisitions and mergers

1 transaction
BE 0462.095.429merger by absorption · State Gazette act of 08-07-2009 (2 acts) · effective 16-06-2009

Capital and shareholders

Capital over the years
  1. 13-12-2019 Capital stated in the act · 2,500,000 EUR · 17,725 shares

Public money · subsidies and aid

Flemish government

2022 to 2025 · 4 entries · 16,187 EUR awarded · 16,187 EUR paid
Year Entries awardedpaid
2025 1 1,457 EUR1,457 EUR
2024 1 3,804 EUR3,804 EUR
2023 1 7,446 EUR7,446 EUR
2022 1 3,480 EUR3,480 EUR
Schemes
Vlaams opleidingsverlof (VOV)
4 entries · 16,187 EUR · 16,187 EUR paid · Departement Werk en Sociale Economie

Recognitions · licences · registrations

Legal Entity Identifier

549300B06M0N5TCJ4I07
live in the LEI register

Similar companies · same sector, comparable size

Of 232 companies in sector 64190 we hold annual accounts for 109. 16 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded11-05-1911
Fiscal year end31-12
Activities, NACEBEL 2025
64190Financial service activities, except insurance and pension funding
64999Other financial services

Scores and ratios are computed by Checked and are not a credit decision.