ACTIVE

CREDIM

Export PDF

Financial year 2025 · closed on 31/12/2025

Net result

428,8 k €

+8.8% YoY

Gross margin

3,6 M €

-22.4% YoY

Equity

6,8 M €

+3.6% YoY

Workforce

3,0 ETP

+15.4% YoY

What does CREDIM do?

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

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 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
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 €	+45.3%	1,7 M €	+21.1%	1,4 M €	+60.8%	881 k €	+11.8%	787,7 k €	+126%	349,2 k €	+234%	104,6 k €	+3.5%	101 k €	-4.2%	105,5 k €	+2.4%	103 k €	-18.9%	126,9 k €	-14.1%	147,7 k €	+17.1%	126,2 k €	-17.2%	152,5 k €	+160%	-254,6 k €	-2398%	-10,2 k €
EBITDA	2,9 M €	-29.4%	4,1 M €	+4.5%	3,9 M €	+15.6%	3,4 M €	+58.9%	2,1 M €	+34.9%	1,6 M €	+21.1%	1,3 M €	+56.1%	842,5 k €	+11.9%	753,2 k €	+132%	324,8 k €	+245%	94,1 k €	+3.8%	90,6 k €	-1.5%	92 k €	-0.7%	92,7 k €	-16.0%	110,3 k €	+7.2%	102,9 k €	-12.4%	117,4 k €	-14.7%	137,7 k €	+152%	-265 k €	-210%	-85,5 k €
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 €	+48.6%	1,1 M €	+29.4%	851,8 k €	+64.1%	519 k €	+38.8%	373,9 k €	+171%	137,9 k €	+258%	-87,3 k €	-305%	42,5 k €	-3.2%	43,9 k €	-1.4%	44,5 k €	-28.3%	62,1 k €	+13.4%	54,7 k €	-21.0%	69,3 k €	-11.6%	78,3 k €	+125%	-313,1 k €	+2.2%	-320,3 k €
Net result	428,8 k €	+8.8%	394 k €	-61.2%	1 M €	-35.2%	1,6 M €	+57.9%	992,1 k €	+46.5%	677,1 k €	+40.0%	483,6 k €	+56.9%	308,3 k €	+24.6%	247,3 k €	+187%	86,3 k €	+168%	-127,7 k €	-5467%	2,4 k €	-10.2%	2,7 k €	+140%	-6,6 k €	-141%	16,4 k €	+738%	2 k €	-83.6%	11,9 k €	-8.0%	12,9 k €	-96.9%	414,1 k €	+203%	-401,6 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 €	+42.8%	2,3 M €	+41.3%	1,6 M €	+41.9%	1,2 M €	+36.4%	847 k €	+41.2%	599,7 k €	+16.8%	513,3 k €	+485%	87,7 k €	+2.8%	85,4 k €	+3.2%	82,7 k €	-7.4%	89,4 k €	+22.4%	73 k €	+2.7%	71 k €	+20.1%	59,1 k €	+27.9%	46,2 k €	+113%	-367,8 k €
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 €	+53.8%	22,1 M €	+12.7%	19,6 M €	+58.1%	12,4 M €	+75.3%	7,1 M €	+34.5%	5,3 M €	+93.5%	2,7 M €	+191%	934,5 k €	-4.5%	978,1 k €	-4.1%	1 M €	-6.1%	1,1 M €	-4.2%	1,1 M €	-2.8%	1,2 M €	-4.7%	1,2 M €	-4.3%	1,3 M €	-26.3%	1,7 M €
Cash	309,1 k €	+23.3%	250,8 k €	-11.8%	284,5 k €	-56.4%	652 k €	+368%	139,3 k €	-87.7%	1,1 M €	-14.0%	1,3 M €	+123%	592,4 k €	+662%	77,8 k €	-35.7%	120,9 k €	+49.3%	81 k €	+391%	16,5 k €	+43.7%	11,5 k €	+162%	4,4 k €	-43.9%	7,8 k €	-46.3%	14,5 k €	+1491%	912,8 €	-93.2%	13,5 k €	+25.5%	10,8 k €	+139%	4,5 k €
Debts	60,7 M €	-0.2%	60,8 M €	+3.3%	58,8 M €	+20.2%	49 M €	+61.6%	30,3 M €	+53.9%	19,7 M €	+10.6%	17,8 M €	+59.7%	11,1 M €	+79.2%	6,2 M €	+33.3%	4,7 M €	+111%	2,2 M €	+162%	842,8 k €	-3.6%	874,4 k €	-2.9%	900,2 k €	-5.7%	954,7 k €	-6.9%	1 M €	-6.4%	1,1 M €	-6.0%	1,2 M €	-5.5%	1,2 M €	-6.4%	1,3 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	+60.0%	1,0 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 · 5 active · 17 ended

Active mandates

Barragan

Director · since 05 décembre 2025 · 0756.484.093

Represented by Tom Maes

Active

Fintact25

Director · since 05 décembre 2025 · 1024.238.836

Represented by Bram De Wilde

Active

Rudi Deruytter

Director · since 05 décembre 2025

Active

ERSO

Managing director · since 19 avril 2013 · 0893.287.549

Represented by Eric Van Speybroeck

Active

Bram De Wilde

Director · until 01 juillet 2025

Active

Ended mandates

Bram De Wilde

Director · since 10 juillet 2023

Ended

ERSO

Managing director · since 18 août 2022 · 0893.287.549

Represented by Eric Van Speybroeck

Ended

ERSO

Managing director · since 01 juin 2019 · until 01 juin 2025 · 0893.287.549

Represented by Eric Van Speybroeck

Ended

MAXIS

Managing director · since 01 juin 2019 · until 01 juin 2025 · 0893.235.881

Represented by Michael Van Speybroeck

Ended

At this address

Other companies at this address

Company	CBE no.
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

Annual accounts

Full financial information

	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

Ratios

Financial ratios

Looking for more information about this company?

Try for 7 days

Filings

Annual accounts filings

22 filings with the NBB

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

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 · 5 active · 17 ended

Active mandates

Barragan

Director · since 05 décembre 2025 · 0756.484.093

Represented by Tom Maes

Active

Fintact25

Director · since 05 décembre 2025 · 1024.238.836

Represented by Bram De Wilde

Active

Rudi Deruytter

Director · since 05 décembre 2025

Active

ERSO

Managing director · since 19 avril 2013 · 0893.287.549

Represented by Eric Van Speybroeck

Active

Bram De Wilde

Director · until 01 juillet 2025

Active

Ended mandates

Bram De Wilde

Director · since 10 juillet 2023

Ended

ERSO

Managing director · since 18 août 2022 · 0893.287.549

Represented by Eric Van Speybroeck

Ended

ERSO

Managing director · since 01 juin 2019 · until 01 juin 2025 · 0893.287.549

Represented by Eric Van Speybroeck

Ended

MAXIS

Managing director · since 01 juin 2019 · until 01 juin 2025 · 0893.235.881

Represented by Michael Van Speybroeck

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

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

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 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

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

CREDIM

Overview

What does CREDIM do?

Trend over 20 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