ACTIVE

Crédior

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Financial year 2024 · closed on 31/12/2024

Net result

-19,2 k €

-18.9% YoY

Gross margin

7,3 k €

-56.5% YoY

Equity

590,5 k €

-3.1% YoY

What does Crédior do?

Crédior is a Public limited company incorporated in 1961. Its main activity is: Other financial service activities, except insurance and pension funding n.e.c.. Its registered office is in Theux.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0402.268.304

Incorporation

02/03/1961

Legal form

Public limited company

Registered office

Avenue Félix Deblon 151
4910 Theux · WallonieSee on map

Contributed capital

179 365,16 €

Latest accounts

31/12/2024

Activities (NACE)

64999Other financial service activities, except insurance and pension funding n.e.c.· main 64999Other financial service activities, except insurance and pension funding n.e.c.

Signals

Solid equityLow riskGood liquidityPositive EBITDA

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 22 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006		2005		2004		2003
Income statement
Gross margin	7,3 k €	-56.5%	16,7 k €	+398%	3,4 k €	-73.9%	12,8 k €	+41.4%	9,1 k €	-58.9%	22,1 k €	+117%	10,2 k €	-56.2%	23,2 k €	+53.2%	15,2 k €	-77.2%	66,5 k €	+18.5%	56,1 k €	+569%	8,4 k €	-53.5%	18 k €	-36.4%	28,3 k €	+145%	-62,8 k €	-152%	121,3 k €	-40.6%	204,3 k €	+18.7%	172,1 k €	+2896%	5,7 k €	+180%	-7,1 k €	-148%	14,8 k €	+181%	-18,2 k €
EBITDA	7,3 k €	-55.9%	16,5 k €	+402%	3,3 k €	-74.3%	12,8 k €	+49.4%	8,6 k €	-60.7%	21,8 k €	+115%	10,2 k €	-43.2%	17,9 k €	+42.7%	12,6 k €	-80.9%	65,6 k €	+43.9%	45,6 k €	+167%	-68,3 k €	-750%	-8 k €	+65.6%	-23,3 k €	+72.9%	-86,1 k €	-221%	71,3 k €	-60.2%	179,4 k €	+13.5%	158 k €	+7323%	2,1 k €	-96.0%	52,8 k €	+230%	-40,5 k €	+36.4%	-63,7 k €
Operating result	-10,8 k €	+10.0%	-12 k €	+53.8%	-26 k €	-56.1%	-16,7 k €	+20.9%	-21,1 k €	-8026%	-259,5 €	+99.4%	-40,2 k €	-142%	-16,6 k €	-5.2%	-15,8 k €	-160%	26,1 k €	+254%	-17 k €	+85.5%	-117,4 k €	-96.1%	-59,8 k €	-8.7%	-55,1 k €	+39.7%	-91,3 k €	-693%	15,4 k €	-89.5%	146,5 k €	-7.3%	158 k €	+1313%	-13 k €	-141%	31,8 k €	+150%	-63,8 k €	+28.4%	-89 k €
Net result	-19,2 k €	-18.9%	-16,1 k €	+43.9%	-28,7 k €	-40.1%	-20,5 k €	+17.2%	-24,8 k €	-594%	-3,6 k €	+91.8%	-43,4 k €	-186%	-15,2 k €	+5.2%	-16 k €	-174%	21,5 k €	+226%	-17,1 k €	+73.7%	-65 k €	-962%	7,5 k €	+47.0%	5,1 k €	-53.4%	11 k €	-27.9%	15,3 k €	-48.3%	29,5 k €	-79.1%	141,2 k €	+545%	-31,7 k €	+53.8%	-68,7 k €	-674%	-8,9 k €	-164%	13,8 k €
Balance sheet
Equity	590,5 k €	-3.1%	609,3 k €	-2.6%	625,4 k €	-4.4%	654,1 k €	-3.0%	674,7 k €	-3.5%	699,4 k €	-0.5%	703 k €	+249%	201,4 k €	+2.4%	196,6 k €	-7.5%	212,6 k €	+11.3%	191 k €	-8.2%	208,2 k €	-23.8%	273,1 k €	+2.8%	265,6 k €	+2.0%	260,5 k €	+4.4%	249,5 k €	+6.5%	234,2 k €	+14.4%	204,7 k €	+59.5%	128,3 k €	-19.8%	160,1 k €	-30.0%	228,8 k €	-19.7%	285 k €
Total assets	1,2 M €	-2.4%	1,2 M €	-1.3%	1,2 M €	-6.5%	1,3 M €	-2.5%	1,3 M €	-4.9%	1,4 M €	-1.5%	1,4 M €	+38.1%	1 M €	+2.6%	1 M €	-9.1%	1,1 M €	-11.0%	1,2 M €	-7.3%	1,3 M €	-10.8%	1,5 M €	-13.6%	1,7 M €	+6.9%	1,6 M €	-10.0%	1,8 M €	-1.6%	1,8 M €	+9.4%	1,7 M €	+42.4%	1,2 M €	-14.3%	1,4 M €	-20.5%	1,7 M €	-8.0%	1,9 M €
Cash	206,1 k €	+1.2%	203,6 k €	+16.4%	174,9 k €	-12.6%	200 k €	+10.8%	180,5 k €	-13.6%	208,9 k €	+18.1%	176,8 k €	-24.2%	233,4 k €	+30.9%	178,4 k €	-16.0%	212,4 k €	-13.5%	245,5 k €	-7.7%	266,1 k €	+127%	117,4 k €	-42.2%	203,3 k €	-50.0%	406,9 k €	-2.4%	416,7 k €	+10.3%	377,9 k €	+18.0%	320,3 k €	+182%	113,4 k €	+114%	53 k €	-43.0%	93 k €	+408%	18,3 k €
Debts	314,4 k €	-3.0%	324 k €	0.0%	324 k €	-14.5%	378,8 k €	-3.3%	391,8 k €	-9.8%	434,2 k €	-2.8%	446,8 k €	-18.7%	549,4 k €	+4.4%	526 k €	-12.4%	600,4 k €	-19.4%	745,2 k €	-5.9%	791,9 k €	-7.4%	855 k €	-24.3%	1,1 M €	+16.1%	972,9 k €	-9.4%	1,1 M €	-9.0%	1,2 M €	-2.0%	1,2 M €	+34.7%	893,8 k €	-12.6%	1 M €	-21.8%	1,3 M €	-6.2%	1,4 M €
Other
Workforce	–		–		–		–		–		–		–		–		–		1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	-28.0%	2,5 ETP		–		–		–		–		–		–		–		0,5 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 2 active · 12 ended

Active mandates

CONSTANTIN KASKARIS

Mandate

Active

DAPHNE KASKARIS

Mandate

Active

Ended mandates

PARIS KASKARIS

Director · since 08 juin 2015 · until 08 juin 2021

Ended

DAPHNE KASKARIS

Managing director · since 22 janvier 2013 · until 22 janvier 2019

Ended

CONSTANTIN KASKARIS

Director · since 01 janvier 2013 · until 30 juin 2018

Ended

DAPHNE KASKARIS

Managing director · since 01 janvier 2013 · until 30 juin 2018

Ended

At this address

Other companies at this address

Company	CBE no.
KASKA● Active	0838.088.710
STATION MULTISERVICES● Active	0451.304.772

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	26/09/2025	20/09/2024	13/06/2024	13/06/2024	30/08/2021	03/10/2020
General meeting	30/06/2025	30/06/2024	30/06/2023	30/06/2022	30/06/2021	30/06/2020
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

23 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2024	30/06/2025	26/09/2025	French	PDF
Micro model	31/12/2023	30/06/2024	20/09/2024	French	PDF
Micro model	31/12/2022	30/06/2023	13/06/2024	French	PDF
Micro model	31/12/2021	30/06/2022	13/06/2024	French	PDF
Micro model	31/12/2020	30/06/2021	30/08/2021	French	PDF
Micro model	31/12/2019	30/06/2020	03/10/2020	French	PDF
Micro model	31/12/2018	30/06/2019	29/08/2019	French	PDF
Micro model	31/12/2017	30/06/2018	28/08/2018	French	PDF
Micro model	31/12/2016	05/12/2017	18/12/2017	French	PDF
Abridged model	31/12/2015	24/06/2016	07/10/2016	French	PDF
Abridged model	31/12/2014	28/09/2015	01/10/2015	French	PDF
Abridged model	31/12/2013	30/06/2014	30/09/2014	French	PDF
Abridged model	31/12/2012	30/06/2013	30/08/2013	French	PDF
Abridged modelCorrection	31/12/2011	30/06/2012	30/08/2013	French	PDF
Abridged model	31/12/2011	30/06/2012	27/09/2012	French	PDF
Abridged model	31/12/2010	30/06/2011	31/10/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	05/05/2011	French	PDF
Abridged model	31/12/2008	30/06/2009	11/02/2011	French	PDF
Abridged model	31/12/2007	30/06/2008	05/05/2011	French	PDF
Abridged model	31/12/2006	04/06/2007	17/09/2008	French	PDF
Abridged model	31/12/2005	06/06/2006	15/09/2008	French	PDF
Abridged model	31/12/2004	04/06/2005	17/09/2008	French	PDF
Abridged model	31/12/2003	19/03/2004	12/09/2008	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 100 k€ and 250 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2024 · 2 active · 12 ended

Active mandates

CONSTANTIN KASKARIS

Mandate

Active

DAPHNE KASKARIS

Mandate

Active

Ended mandates

PARIS KASKARIS

Director · since 08 juin 2015 · until 08 juin 2021

Ended

DAPHNE KASKARIS

Managing director · since 22 janvier 2013 · until 22 janvier 2019

Ended

CONSTANTIN KASKARIS

Director · since 01 janvier 2013 · until 30 juin 2018

Ended

DAPHNE KASKARIS

Managing director · since 01 janvier 2013 · until 30 juin 2018

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates09/02/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates08/12/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates24/05/2017
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Mandates28/04/2017
DEMISSIONS, NOMINATIONS
PDF
Mandates28/09/2016
DEMISSIONS, NOMINATIONS - DIVERS
PDF
Mandates18/06/2015
DEMISSIONS, NOMINATIONS
PDF
Mandates04/02/2013
DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates01/02/2007
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2024
Annual accounts 2024-19,2 k €↓
2024
Name changeCREDIOR CREDIOR
2023
Annual accounts 2023-16,1 k €↑
2022
Annual accounts 2022-28,7 k €↓
2021
Annual accounts 2021-20,5 k €↑
2021
Name changeCREDIOR
2020
Annual accounts 2020-24,8 k €↓
2019
Annual accounts 2019-3,6 k €↑
2018
Annual accounts 2018-43,4 k €↓
2017
Annual accounts 2017-15,2 k €↑
2016
Annual accounts 2016-16 k €↓
2015
Annual accounts 201521,5 k €↑
2014
Annual accounts 2014-17,1 k €↑
2013
Annual accounts 2013-65 k €↓
2012
Annual accounts 20127,5 k €↑
2011
Annual accounts 20115,1 k €↓
2010
Annual accounts 201011 k €↓
2009
Annual accounts 200915,3 k €↓
2008
Annual accounts 200829,5 k €↓
2007
Annual accounts 2007141,2 k €↑
2006
Annual accounts 2006-31,7 k €↑
2005
Annual accounts 2005-68,7 k €↓
2004
Annual accounts 2004-8,9 k €↓
2003
Annual accounts 200313,8 k €
02/03/1961
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

Crédior

Overview

What does Crédior do?

Trend over 22 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline