ACTIVE

CREDIT 2000

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Financial year 2024 · closed on 31/12/2024

Net result

138,5 k €

-15.1% YoY

Gross margin

608,8 k €

-12.0% YoY

Equity

624 k €

+28.5% YoY

Workforce

4,2 ETP

+7.7% YoY

What does CREDIT 2000 do?

CREDIT 2000 is a Private limited company incorporated in 1995. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Saint-Gilles. It employs on average 4,2 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0455.376.297

Incorporation

13/06/1995

Legal form

Private limited company

Registered office

Chaussée de Charleroi 283
1060 Saint-Gilles · BruxellesSee on map

Contributed capital

368 600,00 €

Latest accounts

31/12/2024

Average workforce

4,2 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 66199Other activities auxiliary to financial services, except insurance and pension funding

Joint committees (2)

307
3070

Signals

ProfitablePositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	608,8 k €	-12.0%	691,6 k €	+6.9%	647 k €	+23.2%	525,3 k €	+54.3%	340,5 k €	-29.7%	484 k €	+58.3%	305,7 k €	-6.9%	328,4 k €	+0.3%	327,5 k €	-0.1%	327,9 k €	+3.6%	316,4 k €	-0.9%	319,3 k €	+473%	55,7 k €	-36.4%	87,6 k €	+896%	-11 k €	-825%	1,5 k €	+116%	-9,6 k €	-255%	-2,7 k €	-256%	-759 €
EBITDA	275,1 k €	-30.9%	398,1 k €	+10.8%	359,2 k €	+34.0%	268,2 k €	+86.7%	143,6 k €	-50.5%	290,2 k €	+123%	130,4 k €	-20.6%	164,2 k €	-2.9%	169,1 k €	+31.4%	128,7 k €	+50.0%	85,8 k €	+22.8%	69,9 k €	+141%	-171,9 k €	-330%	74,8 k €	+754%	-11,4 k €	-1159%	1,1 k €	+111%	-10 k €	-217%	-3,2 k €	-110%	-1,5 k €
Operating result	256,3 k €	-30.7%	370 k €	+78.9%	206,8 k €	+91.3%	108,1 k €	+1291%	-9,1 k €	-107%	135,5 k €	+1767%	-8,1 k €	-107%	117,1 k €	-0.8%	118,1 k €	+13.1%	104,4 k €	+71.1%	61 k €	+26.6%	48,2 k €	+126%	-187,2 k €	-357%	72,7 k €	+709%	-11,9 k €	-2158%	580 €	+105%	-10,6 k €	-186%	-3,7 k €	-141%	-1,5 k €
Net result	138,5 k €	-15.1%	163 k €	+188%	56,7 k €	+27.1%	44,6 k €	-83.4%	269,2 k €	+392%	54,7 k €	+275%	-31,2 k €	-145%	69,9 k €	+70.3%	41 k €	-39.0%	67,2 k €	+18.5%	56,7 k €	+377%	11,9 k €	+106%	-189,3 k €	-422%	58,9 k €	+591%	-12 k €	-2398%	522 €	+105%	-10,6 k €	-184%	-3,7 k €	-135%	-1,6 k €
Balance sheet
Equity	624 k €	+28.5%	485,5 k €	-41.9%	835,8 k €	+7.3%	779,1 k €	+6.1%	734,5 k €	+57.9%	465,2 k €	+13.3%	410,5 k €	-7.1%	441,7 k €	+18.8%	371,9 k €	+12.4%	330,8 k €	+25.5%	263,6 k €	+27.4%	206,9 k €	+118%	95 k €	-66.6%	284,3 k €	+1257%	-24,6 k €	-95.4%	-12,6 k €	+4.0%	-13,1 k €	-430%	-2,5 k €	-296%	1,3 k €
Total assets	2,9 M €	+2.5%	2,8 M €	-47.7%	5,4 M €	+0.7%	5,3 M €	-2.7%	5,5 M €	-3.7%	5,7 M €	-0.3%	5,7 M €	+430%	1,1 M €	+8.1%	992,6 k €	+25.9%	788,6 k €	+1.5%	776,7 k €	+12.9%	688,1 k €	+103%	339,3 k €	-2.0%	346,1 k €	+11742%	2,9 k €	-43.7%	5,2 k €	-28.8%	7,3 k €	+83.8%	4 k €	+37.3%	2,9 k €
Cash	11,2 k €	-56.0%	25,3 k €	+3818%	647 €	-78.1%	3 k €	-97.4%	112,2 k €	+122%	50,6 k €	-24.8%	67,3 k €	+50.6%	44,7 k €	+299%	11,2 k €	+2800%	386,1 €	+7622%	5 €	-99.8%	2,2 k €	-90.8%	23,8 k €		–		623 €	-11.3%	702 €	+631%	96 €	-78.5%	447 €	+539%	70 €
Debts	2,2 M €	-3.4%	2,2 M €	-49.7%	4,5 M €	-0.8%	4,5 M €	-4.1%	4,7 M €	-9.7%	5,2 M €	-1.3%	5,3 M €	+735%	631,8 k €	+1.8%	620,6 k €	+35.6%	457,8 k €	-3.5%	474,5 k €	-0.8%	478,2 k €	+95.7%	244,3 k €	+350%	54,3 k €	+97.3%	27,5 k €	+54.7%	17,8 k €	-12.9%	20,4 k €	+217%	6,4 k €	+295%	1,6 k €
Other
Workforce	4,2 ETP	+7.7%	3,9 ETP	0.0%	3,9 ETP	0.0%	3,9 ETP	+14.7%	3,4 ETP	+17.2%	2,9 ETP	-3.3%	3,0 ETP	+15.4%	2,6 ETP	+8.3%	2,4 ETP	-36.8%	3,8 ETP	-7.3%	4,1 ETP	+2.5%	4,0 ETP	+2.6%	3,9 ETP	+1200%	0,3 ETP		–		–		–		–		–

Estimate

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 2 active · 17 ended

Active mandates

Alain Droesbeke

Director · since 01 septembre 2019

Active

ND Management

Director · since 08 décembre 2011 · 0809.041.861

Represented by Dardenne NICOLAS

Active

Ended mandates

Droes Immo

Manager · since 28 mai 2018 · 0662.766.851

Represented by Alain Droesbeke

Ended

MC&Co

Manager · since 08 décembre 2012 · 0457.142.390

Represented by Alain Droesbeke

Ended

GALAV

Manager · since 08 décembre 2011 · 0882.851.240

Represented by Laurent Muguerza

Ended

GALAV

Manager · since 08 décembre 2011 · 0882.851.240

Represented by Laurent Muguerza

Ended

At this address

Other companies at this address

Company	CBE no.
Association des copropriétaires "Charnomane 10" à Saint-Gilles chaussée de Charleroi 283● Active	1001.124.924
CREDIT 3000● Active	0463.386.024
IMMO PAN H● Active	0715.569.097
IMMO PAN H Constructions● Active	0770.248.096
MC&Co● Active	0457.142.390
PRIMMO 2000● Active	0502.881.454

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged 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	29/08/2025	10/10/2024	12/09/2023	18/08/2022	25/08/2021	22/07/2020
General meeting	29/08/2025	12/09/2024	26/05/2023	27/05/2022	28/05/2021	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

19 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2024	29/08/2025	29/08/2025	French	PDF
Abridged model	31/12/2023	12/09/2024	10/10/2024	French	PDF
Abridged model	31/12/2022	26/05/2023	12/09/2023	French	PDF
Abridged model	31/12/2021	27/05/2022	18/08/2022	French	PDF
Abridged model	31/12/2020	28/05/2021	25/08/2021	French	PDF
Abridged model	31/12/2019	30/06/2020	22/07/2020	French	PDF
Abridged model	31/12/2018	31/05/2019	30/08/2019	French	PDF
Abridged model	31/12/2017	30/06/2018	24/08/2018	French	PDF
Abridged model	31/12/2016	30/06/2017	31/08/2017	French	PDF
Abridged model	31/12/2015	30/06/2016	29/08/2016	French	PDF
Abridged model	31/12/2014	29/05/2015	18/08/2015	French	PDF
Abridged model	31/12/2013	30/05/2014	18/08/2014	French	PDF
Abridged model	31/12/2012	31/05/2013	20/08/2013	French	PDF
Abridged model	31/12/2011	15/06/2012	03/08/2012	French	PDF
Abridged model	31/12/2010	27/05/2011	21/09/2011	French	PDF
Abridged model	31/12/2009	28/05/2010	31/08/2010	French	PDF
Abridged model	31/12/2008	29/05/2009	21/08/2009	French	PDF
Abridged model	31/12/2007	30/05/2008	29/08/2008	French	PDF
Abridged model	31/12/2006	26/05/2007	31/08/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 M€

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 · 17 ended

Active mandates

Alain Droesbeke

Director · since 01 septembre 2019

Active

ND Management

Director · since 08 décembre 2011 · 0809.041.861

Represented by Dardenne NICOLAS

Active

Ended mandates

Droes Immo

Manager · since 28 mai 2018 · 0662.766.851

Represented by Alain Droesbeke

Ended

MC&Co

Manager · since 08 décembre 2012 · 0457.142.390

Represented by Alain Droesbeke

Ended

GALAV

Manager · since 08 décembre 2011 · 0882.851.240

Represented by Laurent Muguerza

Ended

GALAV

Manager · since 08 décembre 2011 · 0882.851.240

Represented by Laurent Muguerza

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates30/01/2026
MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS
PDF
Mandates11/03/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates12/03/2019
DEMISSIONS, NOMINATIONS
PDF
Mandates22/10/2018
DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates03/07/2017
DEMISSIONS, NOMINATIONS
PDF
Mandates09/01/2015
DEMISSIONS, NOMINATIONS
PDF
Capital / shares11/09/2013
CAPITAL, ACTIONS
PDF
Mandates20/12/2011
DENOMINATION - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
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 2024138,5 k €↓
2023
Annual accounts 2023163 k €↑
2022
Annual accounts 202256,7 k €↑
2021
Annual accounts 202144,6 k €↓
2020
Annual accounts 2020269,2 k €↑
2019
Annual accounts 201954,7 k €↑
2018
Annual accounts 2018-31,2 k €↓
2017
Annual accounts 201769,9 k €↑
2016
Annual accounts 201641 k €↓
2015
Annual accounts 201567,2 k €↑
2014
Annual accounts 201456,7 k €↑
2013
Annual accounts 201311,9 k €↑
2012
Annual accounts 2012-189,3 k €↓
2011
Annual accounts 201158,9 k €↑
2010
Annual accounts 2010-12 k €↓
2009
Annual accounts 2009522 €↑
2008
Annual accounts 2008-10,6 k €↓
2007
Annual accounts 2007-3,7 k €↓
2006
Annual accounts 2006-1,6 k €
13/06/1995
IncorporationPrivate 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

CREDIT 2000

Overview

What does CREDIT 2000 do?

Trend over 19 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