ACTIVE

CREDISSIMO

Export PDF

Financial year 2025 · closed on 31/12/2025

Net result

819,8 k €

-16.4% YoY

Revenue

9,8 M €

+2.5% YoY

Equity

25,4 M €

+3.0% YoY

Workforce

11,2 ETP

+2.8% YoY

What does CREDISSIMO do?

CREDISSIMO is a Public limited company incorporated in 1912. Its main activity is: Other credit granting. Its registered office is in Liège. It employs on average 11,2 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0403.977.482

Incorporation

11/10/1912

Legal form

Public limited company

Registered office

Rue des Prémontrés 4
4000 Liège · WallonieSee on map

Contributed capital

1 600 000,00 €

Latest accounts

31/12/2025

Average workforce

11,2 ETP

Activities (NACE)

64922Other credit granting· main 64922Other credit granting 65222Reinsurance

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHigh revenue

View the BCE/KBO Public Search record →

Health score

Available with a Rovalta subscriptionTry for 7 days

Recommended credit limit

✦ Verdict · Analyst summary

Financials

Trend over 18 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2015		2014		2013		2012		2011		2010		2009		2008		2007
Income statement
Revenue	9,8 M €	+2.5%	9,6 M €	+3.7%	9,3 M €	+1.4%	9,1 M €	-4.0%	9,5 M €	-0.0%	9,5 M €	-6.3%	10,2 M €	-3.4%	10,5 M €	-5.6%	11,1 M €	-17.6%	13,5 M €	-9.6%	14,9 M €	-6.4%	16 M €	-4.3%	16,7 M €	+3.3%	16,2 M €	+7.4%	15 M €	+12.9%	13,3 M €	+43.1%	9,3 M €	+29.1%	7,2 M €
EBITDA	913,7 k €	-9.4%	1 M €	-4.1%	1,1 M €	+0.3%	1 M €	+28.2%	817,1 k €	+82.1%	448,7 k €	-39.1%	736,1 k €	+23.1%	597,7 k €	+204%	196,8 k €	-75.7%	809,1 k €	-23.4%	1,1 M €	-18.6%	1,3 M €	+17.1%	1,1 M €	+81.4%	610,5 k €	-49.3%	1,2 M €	+58.4%	759,6 k €	+4.9%	723,8 k €	+12.3%	644,6 k €
Operating result	821,2 k €	-14.5%	960,9 k €	-11.2%	1,1 M €	+11.3%	972 k €	+17.6%	826,8 k €	+27.7%	647,2 k €	-12.3%	738,4 k €	-3.2%	762,5 k €	+1952%	37,2 k €	-94.7%	699,8 k €	-22.7%	905,8 k €	-19.6%	1,1 M €	+9.8%	1 M €	+57.6%	651,4 k €	-60.7%	1,7 M €	+1011%	149,2 k €	-63.1%	404,9 k €	-17.5%	490,4 k €
Net result	819,8 k €	-16.4%	980,8 k €	-6.8%	1,1 M €	+15.0%	915,1 k €	+18.5%	772 k €	+16.8%	661,2 k €	-5.1%	696,5 k €	-12.8%	798,6 k €	+761%	92,8 k €	-87.0%	716,5 k €	-17.6%	869,9 k €	-19.9%	1,1 M €	-0.9%	1,1 M €	+26.3%	868,5 k €	-45.0%	1,6 M €	+790%	177,3 k €	-67.0%	537,9 k €	-33.4%	807,1 k €
Balance sheet
Equity	25,4 M €	+3.0%	24,6 M €	+3.8%	23,7 M €	+4.3%	22,8 M €	+3.8%	21,9 M €	+3.3%	21,2 M €	+2.8%	20,7 M €	+3.1%	20 M €	+3.7%	19,3 M €	+1.3%	19,1 M €	+3.5%	18,4 M €	+4.9%	17,6 M €	+6.6%	16,5 M €	+7.1%	15,4 M €	+6.0%	14,5 M €	+12.2%	12,9 M €	+1.4%	12,8 M €	+4.4%	12,2 M €
Total assets	422,2 M €	+1.2%	417,4 M €	+0.5%	415,4 M €	+4.2%	398,7 M €	+3.9%	383,5 M €	+2.9%	372,7 M €	+2.7%	362,8 M €	+2.5%	353,9 M €	+3.0%	343,5 M €	+1.7%	337,7 M €	-7.7%	365,9 M €	-7.0%	393,4 M €	-6.3%	419,8 M €	-1.4%	425,9 M €	+9.4%	389,3 M €	+5.7%	368,2 M €	+34.7%	273,3 M €	+39.9%	195,3 M €
Cash	7,6 M €	+23.3%	6,2 M €	-21.1%	7,8 M €	-13.4%	9 M €	-25.9%	12,2 M €	-0.9%	12,3 M €	-3.9%	12,8 M €	+7.8%	11,8 M €	+19.0%	10 M €	-13.3%	11,5 M €	+122%	5,2 M €	+97.8%	2,6 M €	-24.3%	3,5 M €	-44.2%	6,2 M €	-22.3%	8 M €	+74.4%	4,6 M €	-52.0%	9,5 M €	+50.0%	6,3 M €
Debts	396,1 M €	+1.0%	392 M €	+0.3%	391 M €	+4.2%	375,1 M €	+4.0%	360,9 M €	+2.9%	350,8 M €	+2.7%	341,7 M €	+2.5%	333,4 M €	+3.0%	323,7 M €	+1.8%	318,1 M €	-8.3%	346,9 M €	-7.5%	375,1 M €	-6.8%	402,6 M €	-1.7%	409,8 M €	+9.5%	374,2 M €	+5.6%	354,5 M €	+36.5%	259,7 M €	+42.4%	182,4 M €
Other
Workforce	11,2 ETP	+2.8%	10,9 ETP	-1.8%	11,1 ETP	-0.9%	11,2 ETP	0.0%	11,2 ETP	0.0%	11,2 ETP	0.0%	11,2 ETP	-7.4%	12,1 ETP	-3.2%	12,5 ETP	-8.1%	13,6 ETP	0.0%	13,6 ETP	+8.8%	12,5 ETP	-5.3%	13,2 ETP	-4.3%	13,8 ETP	0.0%	13,8 ETP	-21.6%	17,6 ETP	+27.5%	13,8 ETP	+7.8%	12,8 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 4 active · 22 ended

Active mandates

Karadeg LAMBERTY

Director · since 25 mai 2023 · until 14 février 2028

Active

Anne-Michèle KOCH

Director · since 14 février 2023 · until 13 février 2029

Active

Bernard JOUAN

Chairman of the board of directors · since 14 février 2023 · until 13 février 2029

Active

Yves DEGEY

Director · since 14 février 2023 · until 13 février 2029

Active

Ended mandates

Yves DEGEY

Director · since 24 septembre 2020 · until 14 février 2023

Ended

Pascal MACKELS

Director · since 12 février 2019 · until 11 février 2025

Ended

Anne FAWAY

Director · since 14 février 2017 · until 01 septembre 2020

Ended

Anne FAWAY

Director · since 14 février 2017 · until 14 février 2023

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Full model	Full model	Full model	Full model	Full model	Full model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	13/04/2026	12/02/2025	19/02/2024	16/02/2023	11/02/2022	12/02/2021
General meeting	30/03/2026	11/02/2025	13/02/2024	14/02/2023	08/02/2022	09/02/2021
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

Looking for more information about this company?

Try for 7 days

Filings

Annual accounts filings

49 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2025	30/03/2026	13/04/2026	French	PDF
Full model	31/12/2024	11/02/2025	12/02/2025	French	PDF
Full model	31/12/2023	13/02/2024	19/02/2024	French	PDF
Full model	31/12/2022	14/02/2023	16/02/2023	French	PDF
Full model	31/12/2021	08/02/2022	11/02/2022	French	PDF
Full model	31/12/2020	09/02/2021	12/02/2021	French	PDF
Full model	31/12/2019	11/02/2020	14/02/2020	French	PDF
Full model	31/12/2018	12/02/2019	14/02/2019	French	PDF
Full model	31/12/2017	13/02/2018	19/02/2018	French	PDF
Full model	31/12/2016	14/02/2017	15/02/2017	French	PDF
Full model	31/12/2015	09/02/2016	17/02/2016	French	PDF
Full model	31/12/2014	10/02/2015	26/02/2015	French	PDF
Full model	31/12/2013	11/02/2014	24/02/2014	French	PDF
Full model	31/12/2012	12/02/2013	21/02/2013	French	PDF
Full model	31/12/2011	14/02/2012	16/03/2012	French	PDF
Full model	31/12/2010	08/02/2011	21/02/2011	French	PDF
Full modelCorrection	31/12/2009	09/02/2010	15/12/2010	French	PDF
Full model	31/12/2009	09/02/2010	24/02/2010	French	PDF
Full model	31/12/2008	10/02/2009	23/02/2009	French	PDF
Full model	31/12/2007	12/02/2008	22/04/2008	French	PDF
Full model	31/12/2006	13/03/2007	30/03/2007	French	PDF
Full model	31/12/2005	14/03/2006	28/03/2006	French	PDF
Full model	31/12/2004	15/03/2005	30/05/2005	French	PDF
Full model	31/12/2003	12/02/2004	03/03/2004	French	PDF

View all 49 filings

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 0 € and 100 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 31/12/2025 · 4 active · 22 ended

Active mandates

Karadeg LAMBERTY

Director · since 25 mai 2023 · until 14 février 2028

Active

Anne-Michèle KOCH

Director · since 14 février 2023 · until 13 février 2029

Active

Bernard JOUAN

Chairman of the board of directors · since 14 février 2023 · until 13 février 2029

Active

Yves DEGEY

Director · since 14 février 2023 · until 13 février 2029

Active

Ended mandates

Yves DEGEY

Director · since 24 septembre 2020 · until 14 février 2023

Ended

Pascal MACKELS

Director · since 12 février 2019 · until 11 février 2025

Ended

Anne FAWAY

Director · since 14 février 2017 · until 01 septembre 2020

Ended

Anne FAWAY

Director · since 14 février 2017 · until 14 février 2023

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates05/07/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates25/05/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Mandates28/02/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates22/02/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates01/03/2021
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Mandates18/02/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates27/06/2019
DEMISSIONS, NOMINATIONS
PDF
Mandates05/04/2019
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

2025
Annual accounts 2025819,8 k €↓
2024
Annual accounts 2024980,8 k €↓
13/02/2024
nominationSRL Deloitte Bedrijf revisoren — commissaire
13/02/2024
nominationBenjamin Henrion — commissaire (représentant de la SRL Deloitte Bedrijf revisoren)
2023
Annual accounts 20231,1 M €↑
2022
Annual accounts 2022915,1 k €↑
2021
Annual accounts 2021772 k €↑
2020
Annual accounts 2020661,2 k €↓
2019
Annual accounts 2019696,5 k €↓
2018
Annual accounts 2018798,6 k €↑
2017
Annual accounts 201792,8 k €↓
2015
Annual accounts 2015716,5 k €↓
2014
Annual accounts 2014869,9 k €↓
2013
Annual accounts 20131,1 M €↓
2012
Annual accounts 20121,1 M €↑
2011
Annual accounts 2011868,5 k €↓
2010
Annual accounts 20101,6 M €↑
2009
Annual accounts 2009177,3 k €↓
2008
Annual accounts 2008537,9 k €↓
2007
Annual accounts 2007807,1 k €
11/10/1912
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

CREDISSIMO

Overview

What does CREDISSIMO do?

Trend over 18 financial years

Indicative valuation

Board of directors

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