CREDOFIN
0892.874.805 · rovalta.com · 23/09/2026
ACTIVE
CREDOFIN
Financial year 2025 · closed on 31/12/2025
Net result
-15,7 k €
-215.3% YoY
Gross margin
900,3 k €
+163.6% YoY
Equity
256 k €
-1.5% YoY
Overview
What does CREDOFIN do?
CREDOFIN is a Private limited company incorporated in 2007. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Lievegem.
Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0892.874.805
Incorporation
17/10/2007
Legal form
Private limited company
Registered office
Molendreef 13
9920 Lievegem · FlandreSee on map
9920 Lievegem · FlandreSee on map
Contributed capital
202 192,01 €
Latest accounts
31/12/2025
Activities (NACE)
Joint committees (3)
- 218
- 307
- 3070
Signals
Positive cashflowPositive EBITDAHealthy social debts
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Financials
Trend over 17 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||||||||||||||||||||||||||
| Gross margin | 900,3 k € | +164% | 341,6 k € | +10.9% | 308 k € | -24.9% | 409,9 k € | +47.0% | 278,8 k € | -6.2% | 297,4 k € | +10.6% | 268,8 k € | -9.9% | 298,2 k € | +10.1% | 270,7 k € | -3.6% | 280,8 k € | +1792% | 14,8 k € | -51.0% | 30,3 k € | -55.1% | 67,4 k € | +31.3% | 51,3 k € | -2.6% | 52,7 k € | +106% | 25,6 k € | -37.2% | 40,7 k € |
| EBITDA | 318 k € | +177% | 114,6 k € | +18.7% | 96,6 k € | -57.5% | 227,1 k € | +78.4% | 127,3 k € | -29.9% | 181,7 k € | +2.6% | 177,2 k € | -5.8% | 188,1 k € | +1.5% | 185,3 k € | +2.1% | 181,4 k € | +4660% | 3,8 k € | -85.0% | 25,4 k € | -46.0% | 47 k € | +61.1% | 29,2 k € | -33.1% | 43,6 k € | +139% | 18,2 k € | -49.8% | 36,3 k € |
| Operating result | 19,1 k € | -44.0% | 34,2 k € | -0.3% | 34,3 k € | -78.3% | 158,3 k € | +176% | 57,3 k € | -50.3% | 115,2 k € | +3.8% | 111 k € | -9.6% | 122,8 k € | +1.9% | 120,5 k € | +7.6% | 112 k € | +1589% | -7,5 k € | -209% | 6,9 k € | -73.9% | 26,4 k € | +210% | 8,5 k € | -60.7% | 21,8 k € | +612% | -4,2 k € | -158% | 7,3 k € |
| Net result | -15,7 k € | -215% | 13,6 k € | -13.9% | 15,8 k € | -83.6% | 96,2 k € | +175% | 35 k € | -56.2% | 80,1 k € | +18.0% | 67,9 k € | -8.9% | 74,5 k € | +6.2% | 70,2 k € | -4.5% | 73,5 k € | +1407% | -5,6 k € | -265% | 3,4 k € | -81.7% | 18,6 k € | +389% | 3,8 k € | -73.5% | 14,4 k € | +522% | -3,4 k € | -232% | 2,6 k € |
| Balance sheet | |||||||||||||||||||||||||||||||||
| Equity | 256 k € | -1.5% | 260 k € | +5.5% | 246,4 k € | -10.6% | 275,6 k € | +11.7% | 246,7 k € | -13.9% | 286,7 k € | -3.3% | 296,6 k € | -6.9% | 318,7 k € | +4.8% | 304,2 k € | -3.4% | 315 k € | +67.8% | 187,7 k € | +288% | 48,4 k € | +7.6% | 45 k € | +39.0% | 32,3 k € | +13.4% | 28,5 k € | +48.8% | 19,2 k € | -15.1% | 22,6 k € |
| Total assets | 2,1 M € | +133% | 899,4 k € | +56.3% | 575,4 k € | -20.7% | 725,9 k € | +3.7% | 699,8 k € | -10.5% | 781,7 k € | -2.0% | 797,8 k € | -3.7% | 828,4 k € | -4.7% | 869,2 k € | -5.4% | 918,4 k € | +123% | 412,6 k € | +456% | 74,3 k € | -13.2% | 85,5 k € | +4.2% | 82,1 k € | -24.2% | 108,3 k € | +2.5% | 105,6 k € | +7.1% | 98,6 k € |
| Cash | 89,9 k € | +2.2% | 88 k € | -46.3% | 163,8 k € | -37.3% | 261,3 k € | +50.7% | 173,5 k € | -17.4% | 209,9 k € | +8.5% | 193,5 k € | +1.4% | 190,9 k € | -14.1% | 222,3 k € | +15.1% | 193,2 k € | +235% | 57,7 k € | -0.1% | 57,8 k € | +32.7% | 43,5 k € | +93.7% | 22,5 k € | -23.9% | 29,5 k € | +240% | 8,7 k € | +2.6% | 8,5 k € |
| Debts | 1,8 M € | +192% | 624,7 k € | +100% | 312 k € | -27.6% | 431,1 k € | +1.7% | 423,9 k € | -7.7% | 459,3 k € | +0.3% | 457,9 k € | -1.3% | 463,9 k € | -10.2% | 516,5 k € | -6.4% | 551,9 k € | +145% | 224,9 k € | +769% | 25,9 k € | -36.2% | 40,6 k € | -18.4% | 49,7 k € | -37.6% | 79,8 k € | -7.8% | 86,5 k € | +13.7% | 76,1 k € |
| Other | |||||||||||||||||||||||||||||||||
| Workforce | – | 3,2 ETP | +3.2% | 3,1 ETP | +3.3% | 3,0 ETP | +15.4% | 2,6 ETP | +23.8% | 2,1 ETP | +31.3% | 1,6 ETP | -23.8% | 2,1 ETP | +10.5% | 1,9 ETP | 0.0% | 1,9 ETP | +217% | 0,6 ETP | +50.0% | 0,4 ETP | 0.0% | 0,4 ETP | 0.0% | 0,4 ETP | +100% | 0,2 ETP | 0.0% | 0,2 ETP | +100% | 0,1 ETP | |
Estimate
Indicative valuation
As an indication, this company is worth
between 0 € and 100 k€
See the valuationGovernance
Board of directors
Seen on filing of 31/12/2025 · 5 active · 30 ended
Active mandates
Ended mandates
At this address
Other companies at this address
| Company | CBE no. |
|---|---|
GROEP CREDOFIN● Active | 0694.609.476 |
Financials
Annual accounts
Full financial information
| 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 | 31/08/2026 | 02/07/2025 | 03/07/2024 | 28/06/2023 | 28/06/2022 | 15/07/2021 |
| General meeting | 29/06/2026 | 30/06/2025 | 24/06/2024 | 26/06/2023 | 27/06/2022 | 28/06/2021 |
| 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 |
Ratios
Financial ratios
Looking for more information about this company?
Try for 7 daysFilings
Annual accounts filings
18 filings with the NBB
| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Micro model | 31/12/2025 | 29/06/2026 | 31/08/2026 | Dutch | |
| Abridged model | 31/12/2024 | 30/06/2025 | 02/07/2025 | Dutch | |
| Abridged model | 31/12/2023 | 24/06/2024 | 03/07/2024 | Dutch | |
| Abridged model | 31/12/2022 | 26/06/2023 | 28/06/2023 | Dutch | |
| Abridged model | 31/12/2021 | 27/06/2022 | 28/06/2022 | Dutch | |
| Abridged model | 31/12/2020 | 28/06/2021 | 15/07/2021 | Dutch | |
| Abridged model | 31/12/2019 | 29/06/2020 | 13/08/2020 | Dutch | |
| Abridged model | 31/12/2018 | 24/06/2019 | 21/08/2019 | Dutch | |
| Abridged model | 31/12/2017 | 25/06/2018 | 21/08/2018 | Dutch | |
| Abridged model | 31/12/2016 | 26/06/2017 | 31/08/2017 | Dutch | |
| Abridged model | 31/12/2015 | 27/06/2016 | 31/08/2016 | Dutch | |
| Abridged model | 31/12/2014 | 29/06/2015 | 03/08/2015 | Dutch | |
| Abridged model | 31/12/2013 | 30/06/2014 | 18/07/2014 | Dutch | |
| Abridged model | 31/12/2012 | 24/06/2013 | 31/07/2013 | Dutch | |
| Abridged model | 31/12/2011 | 25/06/2012 | 04/07/2012 | Dutch | |
| Abridged model | 31/12/2010 | 27/06/2011 | 18/07/2011 | Dutch | |
| Abridged model | 31/12/2009 | 28/06/2010 | 20/08/2010 | Dutch | |
| Abridged model | 31/12/2008 | 29/06/2009 | 26/08/2009 | Dutch |
Valuation
Estimate
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.
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
Governance
Board of directors
Seen on filing of 31/12/2025 · 5 active · 30 ended
Active mandates
Ended mandates
Shareholders
Ownership and network
Looking for more information about this company?
Try for 7 daysPublications
Belgian Official Gazette
Belgian Official Gazette publications
- Restructuring04/08/2025KAPITAAL - AANDELEN - ONTSLAGEN - BENOEMINGEN - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
- Restructuring26/05/2025MAATSCHAPPELIJKE ZETEL - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
- Mandates10/12/2020STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - ONTSLAGEN - BENOEMINGEN - DOEL
- Mandates14/04/2020ONTSLAGEN - BENOEMINGEN - WIJZIGING RECHTSVORM
- Restructuring31/07/2015KAPITAAL - AANDELEN - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
- Restructuring11/06/2015RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
- Mandates30/04/2015ONTSLAGEN - BENOEMINGEN
- Mandates02/04/2015BENAMING - KAPITAAL - AANDELEN - ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
Source: Belgian Official Gazette
Similar companies
Competition
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 2025-15,7 k €↓
- 2024Annual accounts 202413,6 k €↓
- 2023Annual accounts 202315,8 k €↓
- 2022Annual accounts 202296,2 k €↑
- 2021Annual accounts 202135 k €↓
- 2020Annual accounts 202080,1 k €↑
- 2019Annual accounts 201967,9 k €↓
- 2018Annual accounts 201874,5 k €↑
- 2017Annual accounts 201770,2 k €↓
- 2016Annual accounts 201673,5 k €↑
- 2014Annual accounts 2014-5,6 k €↓
- 2014Name changeCredofin
- 2013Annual accounts 20133,4 k €↓
- 2012Annual accounts 201218,6 k €↑
- 2011Annual accounts 20113,8 k €↓
- 2010Annual accounts 201014,4 k €↑
- 2009Annual accounts 2009-3,4 k €↓
- 2008Annual accounts 20082,6 k €
- 2008Name changeKANTOOR VAN DE VELDE
- 17/10/2007IncorporationPrivate limited company