ACTIVE

CREDI CONSULT

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Financial year 2025 · closed on 31/03/2025

Net result

606,7 k €

+65.9% YoY

Gross margin

1,3 M €

+46.3% YoY

Equity

498 k €

+33.1% YoY

Workforce

6,0 ETP

+22.4% YoY

What does CREDI CONSULT do?

CREDI CONSULT is a Private limited company incorporated in 2007. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Blankenberge. It employs on average 6,0 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0889.937.584

Incorporation

08/06/2007

Legal form

Private limited company

Registered office

Kerkstraat 442
8370 Blankenberge · FlandreSee on map

Contributed capital

30 000,00 €

Latest accounts

31/03/2025

Average workforce

6,0 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (1)

Signals

ProfitableLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 17 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Income statement
Gross margin	1,3 M €	+46.3%	892,2 k €	-4.9%	937,9 k €	+64.0%	572 k €	+5.3%	543,1 k €	+59.3%	341 k €	+9.5%	311,4 k €	-0.3%	312,4 k €	+73.2%	180,4 k €	-2.6%	185,2 k €	+269%	50,2 k €	-48.7%	97,9 k €	+5.0%	93,2 k €	+38.2%	67,5 k €	-35.1%	103,9 k €	+1719%	-6,4 k €	+81.0%	-33,7 k €
EBITDA	910,3 k €	+58.0%	576 k €	-4.7%	604,4 k €	+61.7%	373,7 k €	+2.3%	365,3 k €	+104%	179 k €	+14.5%	156,4 k €	+18.7%	131,8 k €	+1050%	11,5 k €	-86.7%	85,9 k €	+437%	16 k €	+34.7%	11,9 k €	-63.2%	32,3 k €	+284%	8,4 k €	-71.1%	29,2 k €	+141%	-70,5 k €	-21.2%	-58,1 k €
Operating result	828,4 k €	+66.4%	497,9 k €	-9.3%	549,1 k €	+69.4%	324,1 k €	+3.9%	312,1 k €	+153%	123,5 k €	+17.3%	105,4 k €	+3.9%	101,4 k €	+3324%	-3,1 k €	-104%	71 k €	+707%	8,8 k €	+97.4%	4,5 k €	-86.0%	31,8 k €	+289%	8,2 k €	-70.5%	27,7 k €	+139%	-71,9 k €	-20.0%	-59,9 k €
Net result	606,7 k €	+65.9%	365,8 k €	-3.7%	379,8 k €	+67.4%	226,9 k €	-1.9%	231,2 k €	+194%	78,7 k €	+3.2%	76,2 k €	+24.1%	61,4 k €	+8046%	-772,8 €	-101%	57,5 k €	+429%	10,9 k €	+397%	2,2 k €	-93.1%	31,9 k €	+291%	8,2 k €	-71.5%	28,6 k €	+141%	-70,4 k €	-18.3%	-59,5 k €
Balance sheet
Equity	498 k €	+33.1%	374,1 k €	+110%	178 k €	+42.0%	125,4 k €	-20.1%	156,9 k €	+281%	41,2 k €	+15.3%	35,7 k €	+7.9%	33,1 k €	-14.2%	38,6 k €	-2.0%	39,4 k €	+317%	-18,2 k €	+37.5%	-29 k €	+7.0%	-31,2 k €	+50.5%	-63,1 k €	+11.5%	-71,3 k €	+28.6%	-99,9 k €	-238%	-29,5 k €
Total assets	2,4 M €	+47.7%	1,6 M €	+8.2%	1,5 M €	+4.6%	1,4 M €	+37.3%	1 M €	+80.5%	567,5 k €	-12.2%	646,3 k €	+83.8%	351,7 k €	-3.6%	364,7 k €	+350%	81,1 k €	+66.8%	48,6 k €	-41.3%	82,9 k €	+408%	16,3 k €	+1296%	1,2 k €	-72.1%	4,2 k €	-60.6%	10,6 k €	-34.8%	16,3 k €
Cash	116,5 k €	+67.4%	69,6 k €	+153%	27,5 k €	-38.3%	44,5 k €	-36.6%	70,2 k €	+126%	31 k €	-37.8%	49,9 k €	+87.2%	26,6 k €	+7.8%	24,7 k €	+347%	5,5 k €	-58.7%	13,4 k €	+1307%	950,9 €	-76.7%	4,1 k €	+591%	591 €	-61.1%	1,5 k €		–		–
Debts	1 M €	+69.1%	594,8 k €	-17.4%	720,3 k €	+13.9%	632,4 k €	+18.0%	535,9 k €	+1.8%	526,4 k €	-13.8%	610,6 k €	+92.4%	317,4 k €	-2.7%	326,1 k €	+681%	41,7 k €	-37.5%	66,8 k €	-40.3%	111,9 k €	+135%	47,6 k €	-26.0%	64,3 k €	-14.8%	75,5 k €	-26.4%	102,6 k €	+165%	38,8 k €
Other
Workforce	6,0 ETP	+22.4%	4,9 ETP	-16.9%	5,9 ETP	+63.9%	3,6 ETP	-10.0%	4,0 ETP	+14.3%	3,5 ETP	+20.7%	2,9 ETP	+3.6%	2,8 ETP	-15.2%	3,3 ETP	+26.9%	2,6 ETP	+100%	1,3 ETP	+30.0%	1,0 ETP	0.0%	1,0 ETP	-9.1%	1,1 ETP	-45.0%	2,0 ETP	0.0%	2,0 ETP	+100%	1,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/03/2025 · 2 active · 13 ended

Active mandates

Karma Consult

Managing director · 0668.917.641

Represented by Karel Marmenout

Active

KARTEC

Director · 0827.376.445

Represented by Karel Deprez

Active

Ended mandates

KARTEC

Director · since 15 janvier 2018 · 0827.376.445

Represented by Karel Deprez

Ended

KARTEC

Director · since 15 janvier 2018 · 0827.376.445

Represented by KAREL DEPREZ

Ended

KARTEC

Director · since 15 janvier 2018 · 0827.376.445

Ended

Karma Consult

Managing director · since 25 avril 2017 · 0668.917.641

Represented by Karel Marmenout

Ended

At this address

Other companies at this address

Company	CBE no.
CC VASTGOED● Active	0797.015.346

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	01/04/2024	01/04/2023	01/04/2022	01/04/2021	01/04/2020	01/04/2019
Closing of the financial year	31/03/2025	31/03/2024	31/03/2023	31/03/2022	31/03/2021	31/03/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	31/10/2025	29/11/2024	30/11/2023	03/11/2022	01/12/2021	16/11/2020
General meeting	25/10/2025	02/11/2024	04/11/2023	29/10/2022	27/11/2021	26/09/2020
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

18 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/03/2025	25/10/2025	31/10/2025	Dutch	PDF
Abridged model	31/03/2024	02/11/2024	29/11/2024	Dutch	PDF
Abridged model	31/03/2023	04/11/2023	30/11/2023	Dutch	PDF
Abridged model	31/03/2022	29/10/2022	03/11/2022	Dutch	PDF
Abridged model	31/03/2021	27/11/2021	01/12/2021	Dutch	PDF
Abridged model	31/03/2020	26/09/2020	16/11/2020	Dutch	PDF
Abridged model	31/03/2019	28/09/2019	31/10/2019	Dutch	PDF
Abridged model	31/03/2018	29/09/2018	31/10/2018	Dutch	PDF
Abridged model	31/03/2017	30/09/2017	31/10/2017	Dutch	PDF
Abridged model	31/03/2016	24/09/2016	30/09/2016	Dutch	PDF
Abridged modelCorrection	31/03/2015	26/09/2015	17/12/2015	Dutch	PDF
Abridged model	31/03/2015	26/09/2015	30/09/2015	Dutch	PDF
Abridged model	31/03/2014	27/09/2014	31/10/2014	Dutch	PDF
Abridged model	31/03/2013	26/10/2013	30/10/2013	Dutch	PDF
Abridged model	31/03/2012	27/10/2012	31/10/2012	Dutch	PDF
Abridged model	31/03/2011	22/10/2011	24/10/2011	Dutch	PDF
Abridged model	31/03/2010	18/09/2010	21/10/2010	Dutch	PDF
Abridged model	31/03/2009	26/09/2009	28/10/2009	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 2,5 M€ and 5 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 31/03/2025 · 2 active · 13 ended

Active mandates

Karma Consult

Managing director · 0668.917.641

Represented by Karel Marmenout

Active

KARTEC

Director · 0827.376.445

Represented by Karel Deprez

Active

Ended mandates

KARTEC

Director · since 15 janvier 2018 · 0827.376.445

Represented by Karel Deprez

Ended

KARTEC

Director · since 15 janvier 2018 · 0827.376.445

Represented by KAREL DEPREZ

Ended

KARTEC

Director · since 15 janvier 2018 · 0827.376.445

Ended

Karma Consult

Managing director · since 25 avril 2017 · 0668.917.641

Represented by Karel Marmenout

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates20/07/2023
ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM
PDF
Mandates13/02/2019
ONTSLAGEN - BENOEMINGEN
PDF
Mandates15/02/2018
ONTSLAGEN - BENOEMINGEN
PDF
Other12/05/2017
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM
PDF
Mandates05/10/2016
ONTSLAGEN - BENOEMINGEN
PDF
Registered office31/03/2008
MAATSCHAPPELIJKE ZETEL
PDF
Mandates22/01/2008
ONTSLAGEN - BENOEMINGEN
PDF
Other18/06/2007
RUBRIEK OPRICHTING (NIEUWE RECHTSPERSOON, OPENING BIJKANTOOR, ENZ...)
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 2025606,7 k €↑
2024
Annual accounts 2024365,8 k €↓
2023
Annual accounts 2023379,8 k €↑
2022
Annual accounts 2022226,9 k €↓
2021
Annual accounts 2021231,2 k €↑
2020
Annual accounts 202078,7 k €↑
2019
Annual accounts 201976,2 k €↑
2018
Annual accounts 201861,4 k €↑
2017
Annual accounts 2017-772,8 €↓
2016
Annual accounts 201657,5 k €↑
2015
Annual accounts 201510,9 k €↑
2014
Annual accounts 20142,2 k €↓
2013
Annual accounts 201331,9 k €↑
2012
Annual accounts 20128,2 k €↓
2011
Annual accounts 201128,6 k €↑
2010
Annual accounts 2010-70,4 k €↓
2009
Annual accounts 2009-59,5 k €
08/06/2007
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

CREDI CONSULT

Overview

What does CREDI CONSULT do?

Trend over 17 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