ACTIVE

CREDIM

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Financial year 2025 · Closed on 31/12/2025

Net result428,8 k €+8,8 %over 1 year

Gross margin3,6 M €-22,4 %over 1 year

Equity6,8 M €+3,6 %over 1 year

Workforce3,0 ETP+15,4 %over 1 year

Identity

Source · BCE/KBO

CREDIM is a Public limited company incorporated in 1990. Its main activity is: Rental and operating of own or leased real estate. Its registered office is in Gent. It employs on average 3,0 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0440.399.992
Incorporation: 12/04/1990
Legal form: Public limited company
Registered office: Industriepark-Drongen 4 box C
9031 Gent · FlandreSee on map
Contributed capital: 1 872 040,28 €
Latest accounts: 31/12/2025
Average workforce: 3,0 ETP

Activities (NACE)

68201Rental and operating of own or leased real estate· main 68201Rental and operating of own or leased real estate 68310Real estate agencies 68311Real estate agencies 64200Activities of holding companies 64210Activities of holding companies+2

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 22 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	3,6 M €	-22.4%	4,6 M €	+6.5%	4,3 M €	+16.0%	3,7 M €	+49.4%	2,5 M €
EBITDA	2,9 M €	-29.4%	4,1 M €	+4.5%	3,9 M €	+15.6%	3,4 M €	+58.9%	2,1 M €
Operating result	2,3 M €	-15.4%	2,7 M €	-2.0%	2,8 M €	+1.8%	2,7 M €	+67.4%	1,6 M €
Net result	428,8 k €	+8.8%	394 k €	-61.2%	1 M €	-35.2%	1,6 M €	+57.9%	992,1 k €
Balance sheet
Equity	6,8 M €	+3.6%	6,5 M €	+6.4%	6,1 M €	+19.8%	5,1 M €	+55.2%	3,3 M €
Total assets	68,1 M €	-0.2%	68,2 M €	+3.7%	65,8 M €	+17.7%	55,9 M €	+64.1%	34,1 M €
Cash	309,1 k €	+23.3%	250,8 k €	-11.8%	284,5 k €	-56.4%	652 k €	+368%	139,3 k €
Debts	60,7 M €	-0.2%	60,8 M €	+3.3%	58,8 M €	+20.2%	49 M €	+61.6%	30,3 M €
Other
Workforce	3,0 ETP	+15.4%	2,6 ETP	+30.0%	2,0 ETP	0.0%	2,0 ETP	+25.0%	1,6 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

5 active · 5 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Barragan0756.484.093Represented by Tom Maes	Directorsince 05/12/2025
Fintact251024.238.836Represented by Bram De Wilde	Directorsince 05/12/2025
Rudi Deruytter	Directorsince 05/12/2025
Bram De Wilde	Director10/07/2023 → 01/07/2025
ERSO0893.287.549Represented by Eric Van Speybroeck	Managing directorsince 19/04/2013

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
MAXIS0893.235.881Represented by Michael Van Speybroeck	Managing director19/04/2013 → 2019 accounts

Other companies at this address

Industriepark-Drongen 4 9031 Gent

Company	CBE no.
Amarilo● Active	1043.585.386
ERSO● Active	0893.287.549
KRIEC● Active	0716.628.872
MONDIAL● Active	0412.738.562
MY-TRUCKS RENTAL● Active	0844.888.014
O.V.D. CONSULTING● Active	0476.503.590

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged 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	23/07/2026	20/08/2025	23/12/2024	24/08/2023	31/08/2022	14/07/2021
General meeting	26/06/2026	28/07/2025	28/06/2024	01/06/2023	10/06/2022	22/06/2021
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 22 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	26/06/2026	23/07/2026	Dutch	PDF
Abridged model	31/12/2024	28/07/2025	20/08/2025	Dutch	PDF
Abridged modelCorrection	31/12/2023	28/06/2024	23/12/2024	Dutch	PDF
Abridged model	31/12/2023	28/06/2024	13/07/2024	Dutch	PDF
Abridged model	31/12/2022	01/06/2023	24/08/2023	Dutch	PDF
Abridged model	31/12/2021	10/06/2022	31/08/2022	Dutch	PDF
Abridged model	31/12/2020	22/06/2021	14/07/2021	Dutch	PDF
Abridged model	31/12/2019	01/06/2020	29/06/2020	Dutch	PDF
Abridged model	31/12/2018	20/06/2019	19/07/2019	Dutch	PDF
Abridged model	31/12/2017	23/07/2018	20/08/2018	Dutch	PDF
Micro model	31/12/2016	01/06/2017	20/07/2017	Dutch	PDF
Abridged model	31/12/2015	14/04/2016	21/06/2016	Dutch	PDF
Abridged model	31/12/2014	09/04/2015	12/06/2015	Dutch	PDF
Abridged model	31/12/2013	11/04/2014	19/06/2014	Dutch	PDF
Abridged model	31/12/2012	11/04/2013	12/06/2013	Dutch	PDF
Abridged model	31/12/2011	12/04/2012	14/06/2012	Dutch	PDF
Abridged model	31/12/2010	14/04/2011	29/06/2011	Dutch	PDF
Abridged model	31/12/2009	08/04/2010	16/06/2010	Dutch	PDF
Abridged model	31/12/2008	09/04/2009	27/05/2009	Dutch	PDF
Abridged modelCorrection	31/12/2007	10/04/2008	07/07/2008	Dutch	PDF
Abridged model	31/12/2007	10/04/2008	27/06/2008	Dutch	PDF
Abridged model	31/12/2006	01/06/2007	27/09/2007	Dutch	PDF

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.

Board of directors

Source · NBB, accounts to 31/12/2025

5 active · 5 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Barragan0756.484.093Represented by Tom Maes	Directorsince 05/12/2025
Fintact251024.238.836Represented by Bram De Wilde	Directorsince 05/12/2025
Rudi Deruytter	Directorsince 05/12/2025
Bram De Wilde	Director10/07/2023 → 01/07/2025
ERSO0893.287.549Represented by Eric Van Speybroeck	Managing directorsince 19/04/2013

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
MAXIS0893.235.881Represented by Michael Van Speybroeck	Managing director19/04/2013 → 2019 accounts

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates01/04/2026
ONTSLAGEN - BENOEMINGEN
PDF
Restructuring29/08/2025
RUBRIEK EINDE (STOPZETTING, INTREKKING STOPZETTING, NIETIGHEID, GER. AK., GERECHTELIJKE REORGANISATIE, ENZ... - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring27/05/2025
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Mandates28/08/2023
ONTSLAGEN - BENOEMINGEN
PDF
Restructuring13/10/2022
KAPITAAL - AANDELEN - ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring04/07/2022
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Registered office14/12/2021
MAATSCHAPPELIJKE ZETEL
PDF
Mandates20/06/2019
ONTSLAGEN - BENOEMINGEN
PDF

Similar companies

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

See the Business plan

Timeline

Source · CBE, NBB annual accounts

Year

Identity

Incorporation

Name

Registered office

Annual accounts

Filings20 filings

Mandates

Barragan

Fintact25

Rudi Deruytter

ERSO

Bram De Wilde

MAXIS

O. PETIT & CO

OFFICECOM

GDM Motors

BRIGITTE DUMOLYN

1990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023202420252026

CREDIM

Industriepark-Drongen 4 bte C, 9031 Drongen

Managing director

Director

Managing director

Director

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Industriepark-Drongen 4 bte C, 9031 DrongenCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00322186

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
CREDIMCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00322186

Events

2025
Annual accounts 2025428,8 k €↑
05/12/2025
nominationBarragan BV · bestuurder
05/12/2025
nominationRudi Deruytter · bestuurder
05/12/2025
reconductionERSO BV · bestuurder
01/07/2025
nominationFintact25 BV · bestuurder
2024
Annual accounts 2024394 k €↓
2023
Annual accounts 20231 M €↓
10/07/2023
nominationBram De Wilde · bestuurder
2022
Annual accounts 20221,6 M €↑
01/01/2022
augmentation_capital
2021
Annual accounts 2021992,1 k €↑
2020
Annual accounts 2020677,1 k €↑
2019
Annual accounts 2019483,6 k €↑
2018
Annual accounts 2018308,3 k €↑
2017
Annual accounts 2017247,3 k €↑
2016
Annual accounts 201686,3 k €↑
2015
Annual accounts 2015-127,7 k €↓
2014
Annual accounts 20142,4 k €↓
2013
Annual accounts 20132,7 k €↑
2012
Annual accounts 2012-6,6 k €↓
2011
Annual accounts 201116,4 k €↑
2010
Annual accounts 20102 k €↓
2009
Annual accounts 200911,9 k €↓
2008
Annual accounts 200812,9 k €↓
2007
Annual accounts 2007414,1 k €↑
2006
Annual accounts 2006-401,6 k €
12/04/1990
IncorporationPublic limited company

CREDIM

Overview

Identity

Financials

Valuation

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

Timeline

Registered offices

Company names

Events