ACTIVE

Creafin

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Financial year 2025 · Closed on 31/12/2025

Net result507,5 k €+68,2 %over 1 year

Revenue12,5 M €

Equity6,5 M €+119,2 %over 1 year

Workforce17,0 ETP+16,4 %over 1 year

Identity

Source · BCE/KBO

Creafin is a Public limited company incorporated in 1995. Its main activity is: Other credit granting. Its registered office is in Lier. It employs on average 17,0 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0455.731.338
Incorporation: 27/07/1995
Legal form: Public limited company
Registered office: Duwijckstraat 17
2500 Lier · FlandreSee on map
Contributed capital: 5 692 500,00 €
Latest accounts: 31/12/2025
Average workforce: 17,0 ETP

Activities (NACE)

64922Other credit granting· main 64922Other credit granting 64999Other financial service activities, except insurance and pension funding n.e.c.64999Other financial service activities, except insurance and pension funding n.e.c.65112Life insurance 65112Life insurance+2

Joint committees (3)

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debtsHigh revenue

Financials

Source · NBB, 20 filings

Trend over 17 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	12,5 M €		–		–		–		–
EBITDA	1,1 M €	+16.3%	925,8 k €	-16.9%	1,1 M €	+88.4%	591,3 k €	+93.6%	305,4 k €
Operating result	-222,5 k €	-155%	404,2 k €	-15.2%	476,5 k €	+87.6%	254 k €	+128%	111,5 k €
Net result	507,5 k €	+68.2%	301,7 k €	-54.7%	665,4 k €	-11.7%	753,7 k €	-30.8%	1,1 M €
Balance sheet
Equity	6,5 M €	+119%	3 M €	+8.6%	2,8 M €	-79.3%	13,3 M €	+0.3%	13,2 M €
Total assets	35,2 M €	+391%	7,2 M €	+1.8%	7 M €	-57.5%	16,6 M €	-8.9%	18,2 M €
Cash	5 M €	+130%	2,1 M €	-0.8%	2,2 M €	+34.5%	1,6 M €	-45.1%	2,9 M €
Debts	26,8 M €	+566%	4 M €	-2.2%	4,1 M €	+33.2%	3,1 M €	-34.1%	4,7 M €
Other
Workforce	17,0 ETP	+16.4%	14,6 ETP	0.0%	14,6 ETP	-3.3%	15,1 ETP	+26.9%	11,9 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 · 11 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Herman Bruyland	Director24/03/2020 → 28/06/2032
Jacobus Marcel Berkhout	Managing director15/12/2025 → 22/07/2027
Maryline Serafin	Director15/12/2025 → 28/06/2032
Jo Janssens	Managing director16/06/2025 → 28/06/2032
Rudy Broeckaert	Director24/10/2016 → 25/10/2028

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Marcel BERKHOUT	Director22/07/2021 → 2024 accounts
Bruno SCHEERLINCK	Director28/10/2019 → 24/03/2020
Rudyy BROECKAERT	Director28/10/2019 → 2021 accounts

Other companies at this address

Duwijckstraat 17 2500 Lier

Company	CBE no.
3D-PDG● Active	0707.567.092
Alro Food● Active	0683.564.443
Ando PoolCo● Active	0802.452.888
ANI HOLDING BELGIE● Active	0480.206.220
AUXIFINA● Active	0464.375.028
AVINEON● Active	0832.880.305
BAUW● Bankrupt	0454.316.524
BIZZAPPS● Active	0803.123.871
BLICKLE● Active	0416.649.543
CONTENTSERV BENELUX● Active	0845.056.674
DATASOFT SERVICES● Active	0464.659.593
DE KARWEIMAN● Bankrupt	0461.859.263
DELTA BELGIUM● Active	0434.193.972
DELTA - EM● Active	0463.485.596
DESCARTES SYSTEMS (BELGIUM)● Active	0467.369.853
DOUBLE SEVEN● Active	0893.793.236
DUBRICK● Active	0694.579.782
DUHOLD● Active	0476.319.290
DVB & H Accountants● Active	1027.989.766
FEIN BELGIUM● Active	1032.693.276

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Full model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/07/2024	01/07/2023	01/07/2022	01/07/2021	01/07/2020	01/07/2019
Closing of the financial year	31/12/2025	30/06/2024	30/06/2023	30/06/2022	30/06/2021	30/06/2020
Length of the financial year	18 months	12 months	12 months	12 months	12 months	12 months
Filing date	29/09/2026	03/12/2024	01/02/2024	26/10/2022	12/01/2022	03/11/2020
General meeting	28/09/2026	15/11/2024	13/11/2023	20/10/2022	21/10/2021	26/10/2020
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2025	28/09/2026	29/09/2026	Dutch	PDF
Abridged model	30/06/2024	15/11/2024	03/12/2024	Dutch	PDF
Abridged modelCorrection	30/06/2023	13/11/2023	01/02/2024	Dutch	PDF
Abridged model	30/06/2023	13/11/2023	11/12/2023	Dutch	PDF
Abridged model	30/06/2022	20/10/2022	26/10/2022	Dutch	PDF
Abridged model	30/06/2021	21/10/2021	12/01/2022	Dutch	PDF
Abridged model	30/06/2020	26/10/2020	03/11/2020	Dutch	PDF
Abridged model	30/06/2019	28/10/2019	22/11/2019	Dutch	PDF
Abridged model	30/06/2018	29/10/2018	27/11/2018	Dutch	PDF
Abridged model	30/06/2017	23/10/2017	20/11/2017	Dutch	PDF
Abridged model	30/06/2016	24/10/2016	22/11/2016	Dutch	PDF
Abridged model	30/06/2015	26/10/2015	30/11/2015	Dutch	PDF
Abridged model	30/06/2014	27/10/2014	27/11/2014	Dutch	PDF
Full model	30/06/2013	28/10/2013	25/11/2013	Dutch	PDF
Full model	30/06/2012	22/10/2012	14/11/2012	Dutch	PDF
Full model	31/12/2010	01/06/2011	04/07/2011	Dutch	PDF
Full model	31/12/2009	01/06/2010	29/06/2010	Dutch	PDF
Full model	31/12/2008	02/06/2009	27/07/2009	Dutch	PDF
Full model	31/12/2007	23/06/2008	23/07/2008	Dutch	PDF
Abridged model	31/12/2006	01/06/2007	28/06/2007	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 · 11 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Herman Bruyland	Director24/03/2020 → 28/06/2032
Jacobus Marcel Berkhout	Managing director15/12/2025 → 22/07/2027
Maryline Serafin	Director15/12/2025 → 28/06/2032
Jo Janssens	Managing director16/06/2025 → 28/06/2032
Rudy Broeckaert	Director24/10/2016 → 25/10/2028

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Marcel BERKHOUT	Director22/07/2021 → 2024 accounts
Bruno SCHEERLINCK	Director28/10/2019 → 24/03/2020
Rudyy BROECKAERT	Director28/10/2019 → 2021 accounts

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates30/03/2026
ONTSLAGEN - BENOEMINGEN
PDF
Mandates24/02/2026
ONTSLAGEN - BENOEMINGEN
PDF
Other24/07/2025
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - ALGEMENE VERGADERING - BOEKJAAR
PDF
Capital / shares20/12/2024
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - KAPITAAL - AANDELEN
PDF
Capital / shares30/09/2024
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - KAPITAAL - AANDELEN - ALGEMENE VERGADERING
PDF
Mandates12/01/2024
ONTSLAGEN - BENOEMINGEN
PDF
Mandates12/12/2022
ONTSLAGEN - BENOEMINGEN
PDF
Capital / shares06/10/2022
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - KAPITAAL - AANDELEN
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

Filings17 filings

Mandates

Herman Bruyland

Jacobus Marcel Berkhout

Maryline Serafin

Jo Janssens

Rudy Broeckaert

Marcel BERKHOUT

Rudyy BROECKAERT

Bruno SCHEERLINCK

DUHOLD

Broeckaert

CRONUS

BRECI

Show the 4 other mandates

19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023202420252026202720282029203020312032

Creafin

Duwijckstraat 17, 2500 Lier

Director

Managing director

Director

Managing director

Director

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Duwijckstraat 17, 2500 LierCurrent	accounts 2022 → 2025	Accounts 2025 · 2026-00529727

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
CreafinCurrent	accounts 2006 → 2025	Accounts 2025 · 2026-00529727

Events

2025
Annual accounts 2025507,5 k €↑
15/12/2025
reconductionBRUYLAND, Herman · bestuurder
15/12/2025
nominationSERAFIN Maryline Dominique · bestuurder
04/11/2025
nominationBV FORVIS MAZARS Bedrijfsrevisoren · commissaris
16/06/2025
nominationJANSSENS Jo · bestuurder
16/06/2025
nominationJo Janssens · niet-statutaire bestuurder
16/06/2025
nominationJo Janssens · gedelegeerd bestuurder
25/11/2024
augmentation_capital
25/11/2024
augmentation_capital
13/09/2024
split
13/09/2024
augmentation_capital
13/09/2024
augmentation_capital
2024
Annual accounts 2024301,7 k €↓
01/01/2024
nominationMarcel Berkhout · afgevaardigd bestuurder
2023
Annual accounts 2023665,4 k €↓
24/10/2022
reconductionBroeckaert Rudy · bestuurder
29/09/2022
reduction_capital
2022
Annual accounts 2022753,7 k €↓
2021
Annual accounts 20211,1 M €↓
2020
Annual accounts 20201,2 M €↓
2019
Annual accounts 20191,3 M €↓
2018
Annual accounts 20181,4 M €↑
2017
Annual accounts 20171,3 M €↑
2015
Annual accounts 2015498,8 k €↑
2014
Annual accounts 2014283 k €↑
2013
Annual accounts 2013187,8 k €↓
2012
Annual accounts 20121,7 M €↓
2010
Annual accounts 20102,4 M €↑
2009
Annual accounts 20091 M €↑
2008
Annual accounts 2008179,7 k €↑
2006
Annual accounts 2006-35,4 k €
27/07/1995
IncorporationPublic limited company

Creafin

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