CREDISSIMO HAINAUT: what changed
Two financial years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.
What changed
CREDISSIMO HAINAUT
NACE 64.922, Financial service activities, except insurance and pension funding
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
-€47,591
2024 · €128,652-€176,243
Equity
€4.3m
2024 · €4.4m-€97,584
Cash
-
2024 · €1.4m-€1.4m
Balance sheet total
€70.0m
2024 · €73.6m-€3.6m
Largest movements
Assets
- Receivables after one year -€3.5m
down €3.5m (-5.1%), from €68.4m to €64.9m
- Current investments +€1.4m
new in 2025: €1.4m
- Cash -€1.4m
no longer reported in 2025 (was €1.4m)
mainly Debts after one year (-€3.0m) and Current investments (-€1.4m)
Equity and liabilities
- Debts after one year -€3.0m
down €3.0m (-4.7%), from €64.9m to €61.9m
Income statement
- Write-downs +€117,223
up €117,223, from -€101,365 to €15,858
- Turnover -€88,899
down €88,899 (-5.1%), from €1.7m to €1.6m
- Goods and materials -€64,098
down €64,098 (-4.7%), from €1.4m to €1.3m
- Other operating income -€30,479
down €30,479 (-13.2%), from €231,765 to €201,286
From the 2024 result to the 2025 result
Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.
Result 2024
€128,652
Turnover
-€88,899
Other operating income
-€30,479
Goods and materials
+€64,098
Services and other goods
-€10,987
Staff costs
+€472
Write-downs
-€117,223
Provisions
-€430
Financial charges
-€765
Taxes
+€7,970
Result 2025
-€47,591
raises the resultlowers the result
Derived cash bridge
Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.
From operations
+€3.2m
Investment
-€1.4m
Financing
-€3.2m
Cash 2024
€1.4m
From operations (derived)
+€3.2m
Net result for the year
-€47,591
Receivables after one year
+€3.5m
Receivables within one year
+€110,666
Smaller working-capital items
-€7,425
Tax, wage and social debts
-€14,213
Other debts
-€307,385
Accrued charges and deferred income
-€9,601
Investment (derived)
-€1.4m
Current investments
-€1.4m
Financing
-€3.2m
Debts after one year
-€3.0m
Current portion of long-term debt
-€110,310
Contributions, distributions and other
-€49,993
Cash 2025
€0
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €73,588,074 | €70,016,295 | -€3.6m | -4.9% |
| Fixed assets | 21/28 | €6,124 | €6,124 | = | 0.0% |
| Tangible fixed assets | 22/27 | €0 | €0 | = | |
| Furniture and vehicles | 24 | €0 | €0 | = | |
| Other tangible fixed assets | 26 | €0 | €0 | = | |
| Financial fixed assets | 28 | €6,124 | €6,124 | = | 0.0% |
| Other financial fixed assets | 284/8 | €6,124 | €6,124 | = | 0.0% |
| Amounts receivable and cash guarantees | 285/8 | €6,124 | €6,124 | = | 0.0% |
| Current assets | 29/58 | €73,581,950 | €70,010,171 | -€3.6m | -4.9% |
| Amounts receivable after more than one year | 29 | €68,425,199 | €64,931,072 | -€3.5m | -5.1% |
| Trade receivables | 290 | €68,425,199 | €64,931,072 | -€3.5m | -5.1% |
| Amounts receivable within one year | 40/41 | €3,622,535 | €3,511,869 | -€110,666 | -3.1% |
| Trade receivables | 40 | €3,413,108 | €3,355,038 | -€58,070 | -1.7% |
| Other amounts receivable | 41 | €209,427 | €156,831 | -€52,596 | -25.1% |
| Current investments | 50/53 | - | €1,434,370 | +€1.4m | |
| Other investments | 51/53 | - | €1,434,370 | +€1.4m | |
| Cash at bank and in hand | 54/58 | €1,395,321 | - | -€1.4m | |
| Deferred charges and accrued income | 490/1 | €138,895 | €132,860 | -€6,035 | -4.3% |
| Total equity and liabilities | 10/49 | €73,588,074 | €70,016,295 | -€3.6m | -4.9% |
| Equity | 10/15 | €4,376,462 | €4,278,878 | -€97,584 | -2.2% |
| Contributions | 10/11 | €999,946 | €999,951 | +€5 | 0.0% |
| Capital | 10 | €999,946 | €999,951 | +€5 | 0.0% |
| Issued capital | 100 | €1,000,000 | €1,000,000 | = | 0.0% |
| Uncalled capital | 101 | €54 | €49 | -€5 | -9.3% |
| Reserves | 13 | €3,376,516 | €3,278,927 | -€97,589 | -2.9% |
| Non-distributable reserves | 130/1 | €100,000 | €100,000 | = | 0.0% |
| Legal reserve | 130 | €100,000 | €100,000 | = | 0.0% |
| Distributable reserves | 133 | €3,276,516 | €3,178,927 | -€97,589 | -3.0% |
| Provisions and deferred taxes | 16 | €104,237 | €99,168 | -€5,069 | -4.9% |
| Provisions for liabilities and charges | 160/5 | €104,237 | €99,168 | -€5,069 | -4.9% |
| Other liabilities and charges | 164/5 | €104,237 | €99,168 | -€5,069 | -4.9% |
| Amounts payable | 17/49 | €69,107,375 | €65,638,249 | -€3.5m | -5.0% |
| Amounts payable after more than one year | 17 | €64,929,398 | €61,910,172 | -€3.0m | -4.7% |
| Financial debts | 170/4 | €64,929,398 | €61,910,172 | -€3.0m | -4.7% |
| Other loans | 174 | €64,929,398 | €61,910,172 | -€3.0m | -4.7% |
| Amounts payable within one year | 42/48 | €4,163,076 | €3,722,777 | -€440,299 | -10.6% |
| Current portion of amounts payable after more than one year | 42 | €3,280,692 | €3,170,382 | -€110,310 | -3.4% |
| Trade debts | 44 | €19,501 | €11,110 | -€8,391 | -43.0% |
| Suppliers | 440/4 | €19,501 | €11,110 | -€8,391 | -43.0% |
| Taxes, remuneration and social security | 45 | €85,919 | €71,706 | -€14,213 | -16.5% |
| Taxes | 450/3 | €16,486 | €403 | -€16,083 | -97.6% |
| Remuneration and social security | 454/9 | €69,433 | €71,303 | +€1,870 | +2.7% |
| Other amounts payable | 47/48 | €776,964 | €469,579 | -€307,385 | -39.6% |
| Accrued charges and deferred income | 492/3 | €14,901 | €5,300 | -€9,601 | -64.4% |
| Operating income | 70/76A | €1,967,979 | €1,848,601 | -€119,378 | -6.1% |
| Turnover | 70 | €1,736,214 | €1,647,315 | -€88,899 | -5.1% |
| Other operating income | 74 | €231,765 | €201,286 | -€30,479 | -13.2% |
| Operating charges | 60/66A | €1,829,790 | €1,893,860 | +€64,070 | +3.5% |
| Goods for resale, raw materials and consumables | 60 | €1,353,379 | €1,289,281 | -€64,098 | -4.7% |
| Purchases | 600/8 | €1,353,379 | €1,289,281 | -€64,098 | -4.7% |
| Services and other goods | 61 | €188,144 | €199,131 | +€10,987 | +5.8% |
| Remuneration, social security and pensions | 62 | €394,492 | €394,020 | -€472 | -0.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €0 | €0 | = | |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | -€101,365 | €15,858 | +€117,223 | |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | -€5,499 | -€5,069 | +€430 | +7.8% |
| Other operating charges | 640/8 | €639 | €639 | = | 0.0% |
| Operating profit (loss) | 9901 | €138,189 | -€45,259 | -€183,448 | |
| Financial charges | 65/66B | €411 | €1,176 | +€765 | +186% |
| Recurring financial charges | 65 | €411 | €1,176 | +€765 | +186% |
| Non-recurring financial charges | 66B | €411 | €1,176 | +€765 | +186% |
| Profit (loss) for the period before taxes | 9903 | €137,778 | -€46,435 | -€184,213 | |
| Income taxes | 67/77 | €9,126 | €1,156 | -€7,970 | -87.3% |
| Taxes | 670/3 | €9,126 | €1,156 | -€7,970 | -87.3% |
| Profit (loss) for the period | 9904 | €128,652 | -€47,591 | -€176,243 | |
| Profit (loss) for the period to be appropriated | 9905 | €128,652 | -€47,591 | -€176,243 |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 October 2026 via checked.be.