CREDIT DIRECT
0465.785.090 · rovalta.com · 24/09/2026
ACTIVE
CREDIT DIRECT
Financial year 2025 · Closed on 31/12/2025
Net result23,4 k €-50,0 %over 1 year
Gross margin441,8 k €+8,4 %over 1 year
Equity603,9 k €+4,0 %over 1 year
Overview
Identity
Source · BCE/KBOCREDIT DIRECT is a Private limited company incorporated in 1999. Its main activity is: Other activities auxiliary to financial services, except insurance and pension funding. Its registered office is in Verviers.
- Legal situation
- Normal situation
- BCE/KBO no. / VAT
- BE 0465.785.090
- Incorporation
- 02/04/1999
- Legal form
- Private limited company
- Registered office
- Thier Mère-Dieu 8
4800 Verviers · WallonieSee on map - Contributed capital
- 18 592,01 €
- Latest accounts
- 31/12/2025
Activities (NACE)
Joint committees (2)
- 200
- 218
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts
Financials
Source · NBB, 20 filingsTrend over 20 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Gross margin | 441,8 k € | +8.4% | 407,7 k € | -9.9% | 452,2 k € | -2.1% | 462 k € | -7.1% | 497,5 k € |
| EBITDA | 76,6 k € | -24.9% | 102,1 k € | -43.5% | 180,8 k € | -8.1% | 196,7 k € | -23.9% | 258,6 k € |
| Operating result | 40,6 k € | -46.1% | 75,4 k € | -51.0% | 153,9 k € | -8.7% | 168,6 k € | -25.2% | 225,5 k € |
| Net result | 23,4 k € | -50.0% | 46,8 k € | -55.2% | 104,3 k € | -7.8% | 113,1 k € | -23.9% | 148,6 k € |
| Balance sheet | |||||||||
| Equity | 603,9 k € | +4.0% | 580,5 k € | +5.9% | 548 k € | +18.2% | 463,8 k € | +7.7% | 430,7 k € |
| Total assets | 831 k € | +4.8% | 792,9 k € | -2.6% | 813,9 k € | -6.2% | 868,1 k € | +1.6% | 854,6 k € |
| Cash | 29,9 k € | -58.2% | 71,5 k € | -31.8% | 105 k € | -19.4% | 130,2 k € | +120% | 59,3 k € |
| Debts | 226,6 k € | +7.4% | 211,1 k € | -20.5% | 265,3 k € | -34.4% | 404,3 k € | -4.6% | 423,9 k € |
| Other | |||||||||
| Workforce | – | 5,6 ETP | +16.7% | 4,8 ETP | -7.7% | 5,2 ETP | -1.9% | 5,3 ETP | |
Valuation
Indicative valuation
As an indication, this company is worth
between 250 k€ and 500 k€
See the valuationBoard of directors
Source · NBB, accounts to 31/12/20241 active · 3 ended
Active mandates
Rui PEREIRA CRUZ
ActiveEnded mandates
Rui PEREIRA CRUZ
EndedANNE MORAY
EndedRui PEREIRA CRUZ
EndedFinancials
Full financial information
Source · NBB| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Type of account | Micro 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 | 26/08/2026 | 10/08/2025 | 19/08/2024 | 30/08/2023 | 29/09/2022 | 29/09/2021 |
| General meeting | 25/08/2026 | 30/06/2025 | 14/08/2024 | 24/08/2023 | 27/09/2022 | 27/09/2021 |
| 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 · NBBLooking for more information about this company?
Try for 7 daysAnnual accounts filings
Source · NBB, 20 filings| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Micro model | 31/12/2025 | 25/08/2026 | 26/08/2026 | French | |
| Abridged model | 31/12/2024 | 30/06/2025 | 10/08/2025 | French | |
| Abridged model | 31/12/2023 | 14/08/2024 | 19/08/2024 | French | |
| Abridged model | 31/12/2022 | 24/08/2023 | 30/08/2023 | French | |
| Abridged model | 31/12/2021 | 27/09/2022 | 29/09/2022 | French | |
| Abridged model | 31/12/2020 | 27/09/2021 | 29/09/2021 | French | |
| Abridged model | 31/12/2019 | 31/08/2020 | 28/10/2020 | French | |
| Abridged model | 31/12/2018 | 30/06/2019 | 05/09/2019 | French | |
| Abridged model | 31/12/2017 | 01/10/2018 | 02/10/2018 | French | |
| Abridged model | 31/12/2016 | 26/09/2017 | 29/09/2017 | French | |
| Abridged model | 31/12/2015 | 28/10/2016 | 28/10/2016 | French | |
| Abridged model | 31/12/2014 | 30/10/2015 | 10/11/2015 | French | |
| Abridged model | 31/12/2013 | 30/10/2014 | 31/10/2014 | French | |
| Abridged model | 31/12/2012 | 08/10/2013 | 11/10/2013 | French | |
| Abridged model | 31/12/2011 | 26/10/2012 | 26/10/2012 | French | |
| Abridged model | 31/12/2010 | 30/09/2011 | 06/10/2011 | French | |
| Abridged model | 31/12/2009 | 30/06/2010 | 26/11/2010 | French | |
| Abridged model | 31/12/2008 | 27/10/2009 | 02/11/2009 | French | |
| Abridged model | 31/12/2007 | 28/10/2008 | 31/12/2008 | French | |
| Abridged model | 31/12/2006 | 12/05/2007 | 21/12/2007 | French |
Valuation
Indicative valuation
Order of magnitude
As an indication, this company is worth
between 250 k€ and 500 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.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Board of directors
Source · NBB, accounts to 31/12/20241 active · 3 ended
Active mandates
Rui PEREIRA CRUZ
ActiveEnded mandates
Rui PEREIRA CRUZ
EndedANNE MORAY
EndedRui PEREIRA CRUZ
EndedOwnership and network
Looking for more information about this company?
Try for 7 daysPublications
Similar companies
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 202523,4 k €↓
- 2024Annual accounts 202446,8 k €↓
- 2023Annual accounts 2023104,3 k €↓
- 2022Annual accounts 2022113,1 k €↓
- 2021Annual accounts 2021148,6 k €↑
- 2020Annual accounts 202098,1 k €↓
- 2019Annual accounts 2019112,1 k €↑
- 2018Annual accounts 2018-33 k €↓
- 2017Annual accounts 2017-17,8 k €↓
- 2016Annual accounts 201612,5 k €↓
- 2015Annual accounts 201527,8 k €↑
- 2014Annual accounts 2014-38,4 k €↓
- 2013Annual accounts 201346,6 k €↑
- 2012Annual accounts 201211,1 k €↓
- 2011Annual accounts 201123 k €↓
- 2010Annual accounts 201034,9 k €↑
- 2009Annual accounts 2009-29,6 k €↓
- 2008Annual accounts 2008-7,9 k €↓
- 2007Annual accounts 200732,1 k €↑
- 2006Annual accounts 20067,1 k €
- 02/04/1999IncorporationPrivate limited company