ACTIVE

Creafin

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Financial year 2024 · closed on 30/06/2024
Net result
301,7 k €
-54.7% YoY
Gross margin
2,4 M €
-0.2% YoY
Equity
3 M €
+8.6% YoY
Workforce
14,6 ETP
0.0% YoY

What does Creafin do?

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 14,6 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
2 500 000,00 €
Latest accounts
30/06/2024
Average workforce
14,6 ETP
Activities (NACE)
64922Other credit granting· main64922Other credit granting64999Other financial service activities, except insurance and pension funding n.e.c.64999Other financial service activities, except insurance and pension funding n.e.c.65112Life insurance65112Life insurance+2
Joint committees (2)
  • 100
  • 218
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts
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✦ Verdict · Analyst summary
Financials

Trend over 16 financial years

2024202320222021202020192018201720152014201320122010200920082006
Income statement
Gross margin2,4 M €2,4 M €2 M €1,8 M €1,6 M €1,7 M €2 M €2 M €1,9 M €1,7 M €–––––314 k €
EBITDA925,8 k €1,1 M €591,3 k €305,4 k €448,3 k €844 k €1,2 M €832,9 k €776,8 k €487,2 k €327,5 k €-1,7 M €-4,7 M €-4,2 M €-1,3 M €205,6 k €
Operating result404,2 k €476,5 k €254 k €111,5 k €396,3 k €794,4 k €1,2 M €784,7 k €752,9 k €447,1 k €269,6 k €-1,9 M €-4,9 M €-4,3 M €-1,3 M €204,9 k €
Net result301,7 k €665,4 k €753,7 k €1,1 M €1,2 M €1,3 M €1,4 M €1,3 M €498,8 k €283 k €187,8 k €1,7 M €2,4 M €1 M €179,7 k €-35,4 k €
Balance sheet
Equity3 M €2,8 M €13,3 M €13,2 M €13,2 M €13,1 M €13 M €13 M €1,6 M €1,6 M €1,6 M €1,6 M €4,4 M €1,9 M €2,2 M €2 M €
Total assets7,2 M €7 M €16,6 M €18,2 M €19,3 M €19,1 M €20 M €20,4 M €3,5 M €2,6 M €2,4 M €3,5 M €261,1 M €294,9 M €153 M €8 M €
Cash2,1 M €2,2 M €1,6 M €2,9 M €2,2 M €1,1 M €3,1 M €3,8 M €2,4 M €2,1 M €1,8 M €2,9 M €5,9 M €10,3 M €7,7 M €596,8 k €
Debts4 M €4,1 M €3,1 M €4,7 M €5,7 M €5,7 M €6,6 M €7,4 M €1,8 M €993,7 k €745,2 k €1,9 M €254,8 M €292,1 M €149,8 M €6 M €
Other
Workforce14,6 ETP14,6 ETP15,1 ETP11,9 ETP11,8 ETP12,5 ETP12,5 ETP14,6 ETP12,5 ETP13,5 ETP15,5 ETP15,6 ETP15,6 ETP18,5 ETP12,8 ETP2,2 ETP
Estimate

Indicative valuation

As an indication, this company is worth

between 5 M€ and 10 M€
See the valuation
Governance

Board of directors

Seen on filing of 30/06/2024 · 3 active · 24 ended

Active mandates

Rudy BROECKAERT

Director · since 24 octobre 2022 · until 25 octobre 2028

Active
Marcel BERKHOUT

Director · since 22 juillet 2021 · until 22 juillet 2027

Active
Herman BRUYLAND

Director · since 24 mars 2020 · until 26 octobre 2026

Active

Ended mandates

Marcel BERKHOUT

Director · since 22 juillet 2021

Ended
Herman BRUYLAND

Director · since 24 mars 2020 · until 24 mars 2026

Ended
Bruno SCHEERLINCK

Director · since 28 octobre 2019 · until 24 mars 2020

Ended
Rudy BROECKAERT

Director · since 28 octobre 2019 · until 24 octobre 2022

Ended
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Annual accounts

Full financial information

202420232022202120202019
Type of accountAbridged modelAbridged modelAbridged modelAbridged modelAbridged modelAbridged model
Start of the financial year01/07/202301/07/202201/07/202101/07/202001/07/201901/07/2018
Closing of the financial year30/06/202430/06/202330/06/202230/06/202130/06/202030/06/2019
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date03/12/202401/02/202426/10/202212/01/202203/11/202022/11/2019
General meeting15/11/202413/11/202320/10/202221/10/202126/10/202028/10/2019
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls
Ratios

Financial ratios

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Filings

Annual accounts filings

19 filings with the NBB

ModelClosingGeneral meetingFiledLanguageDocument
Abridged model30/06/202415/11/202403/12/2024DutchPDF
Abridged modelCorrection30/06/202313/11/202301/02/2024DutchPDF
Abridged model30/06/202313/11/202311/12/2023DutchPDF
Abridged model30/06/202220/10/202226/10/2022DutchPDF
Abridged model30/06/202121/10/202112/01/2022DutchPDF
Abridged model30/06/202026/10/202003/11/2020DutchPDF
Abridged model30/06/201928/10/201922/11/2019DutchPDF
Abridged model30/06/201829/10/201827/11/2018DutchPDF
Abridged model30/06/201723/10/201720/11/2017DutchPDF
Abridged model30/06/201624/10/201622/11/2016DutchPDF
Abridged model30/06/201526/10/201530/11/2015DutchPDF
Abridged model30/06/201427/10/201427/11/2014DutchPDF
Full model30/06/201328/10/201325/11/2013DutchPDF
Full model30/06/201222/10/201214/11/2012DutchPDF
Full model31/12/201001/06/201104/07/2011DutchPDF
Full model31/12/200901/06/201029/06/2010DutchPDF
Full model31/12/200802/06/200927/07/2009DutchPDF
Full model31/12/200723/06/200823/07/2008DutchPDF
Abridged model31/12/200601/06/200728/06/2007DutchPDF
Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 5 M€ and 10 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 30/06/2024 · 3 active · 24 ended

Active mandates

Rudy BROECKAERT

Director · since 24 octobre 2022 · until 25 octobre 2028

Active
Marcel BERKHOUT

Director · since 22 juillet 2021 · until 22 juillet 2027

Active
Herman BRUYLAND

Director · since 24 mars 2020 · until 26 octobre 2026

Active

Ended mandates

Marcel BERKHOUT

Director · since 22 juillet 2021

Ended
Herman BRUYLAND

Director · since 24 mars 2020 · until 24 mars 2026

Ended
Bruno SCHEERLINCK

Director · since 28 octobre 2019 · until 24 mars 2020

Ended
Rudy BROECKAERT

Director · since 28 octobre 2019 · until 24 octobre 2022

Ended
Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

  • 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

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

Timeline

  1. 15/12/2025
    reconductionBRUYLAND, Herman — bestuurder
  2. 15/12/2025
    nominationSERAFIN Maryline Dominique — bestuurder
  3. 04/11/2025
    nominationBV FORVIS MAZARS Bedrijfsrevisoren — commissaris
  4. 16/06/2025
    nominationJANSSENS Jo — bestuurder
  5. 16/06/2025
    nominationJo Janssens — niet-statutaire bestuurder
  6. 16/06/2025
    nominationJo Janssens — gedelegeerd bestuurder
  7. 25/11/2024
    augmentation_capital
  8. 25/11/2024
    augmentation_capital
  9. 13/09/2024
    split
  10. 13/09/2024
    augmentation_capital
  11. 13/09/2024
    augmentation_capital
  12. 2024
    Annual accounts 2024301,7 k €↓
  13. 01/01/2024
    nominationMarcel Berkhout — afgevaardigd bestuurder
  14. 2023
    Annual accounts 2023665,4 k €↓
  15. 24/10/2022
    reconductionBroeckaert Rudy — bestuurder
  16. 29/09/2022
    reduction_capital
  17. 2022
    Annual accounts 2022753,7 k €↓
  18. 2021
    Annual accounts 20211,1 M €↓
  19. 2020
    Annual accounts 20201,2 M €↓
  20. 2019
    Annual accounts 20191,3 M €↓
  21. 2018
    Annual accounts 20181,4 M €↑
  22. 2017
    Annual accounts 20171,3 M €↑
  23. 2015
    Annual accounts 2015498,8 k €↑
  24. 2014
    Annual accounts 2014283 k €↑
  25. 2013
    Annual accounts 2013187,8 k €↓
  26. 2012
    Annual accounts 20121,7 M €↓
  27. 2010
    Annual accounts 20102,4 M €↑
  28. 2009
    Annual accounts 20091 M €↑
  29. 2008
    Annual accounts 2008179,7 k €↑
  30. 2006
    Annual accounts 2006-35,4 k €
  31. 27/07/1995
    IncorporationPublic limited company