ACTIVE

iCREDIT

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Financial year 2025 · closed on 31/12/2025

Net result

5,1 k €

+106.8% YoY

Gross margin

2,4 M €

-10.7% YoY

Equity

851,8 k €

+0.6% YoY

Workforce

36,3 ETP

-13.8% YoY

What does iCREDIT do?

iCREDIT is a Private limited company incorporated in 2008. Its registered office is in Antwerpen. It employs on average 36,3 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0897.431.132

Incorporation

16/04/2008

Legal form

Private limited company

Registered office

Noorderplaats 5 box 5
2000 Antwerpen · FlandreSee on map

Contributed capital

68 600,00 €

Latest accounts

31/12/2025

Average workforce

36,3 ETP

Joint committees (3)

200
20000
218

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 15 financial years

	2025		2024		2023		2022		2021		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Income statement
Gross margin	2,4 M €	-10.7%	2,7 M €	-12.3%	3,1 M €	+13.9%	2,7 M €	+2.9%	2,7 M €	+114%	1,2 M €	+67.7%	739,3 k €	+18.6%	623,2 k €		–		–		–		–		–		–		–
EBITDA	137,9 k €	+202%	45,6 k €	-81.9%	252,6 k €	-30.6%	363,8 k €	-56.1%	829,4 k €	+326%	194,5 k €	+146%	79,2 k €	+8.4%	73,1 k €	-50.9%	148,9 k €	+69.2%	88 k €	+301%	-43,8 k €	+45.0%	-79,7 k €	-165%	122,4 k €	+170%	45,4 k €	-80.7%	235 k €
Operating result	101,8 k €	+3505%	2,8 k €	-98.7%	211,3 k €	-35.8%	329 k €	-59.9%	819,6 k €	+336%	188,2 k €	+487%	32,1 k €	+1020%	-3,5 k €	-105%	69,9 k €	+46.4%	47,8 k €	+190%	-53,2 k €	+36.4%	-83,6 k €	-170%	119,3 k €	+173%	43,7 k €	-81.3%	233,1 k €
Net result	5,1 k €	+107%	-75,9 k €	-192%	82,3 k €	-59.1%	201,1 k €	-65.3%	580,3 k €	+418%	112,1 k €	+687%	14,2 k €	+168%	-20,8 k €	-146%	45 k €	+25.9%	35,7 k €	+158%	-61,3 k €	+32.3%	-90,6 k €	-229%	70,4 k €	+218%	22,2 k €	-84.1%	139,7 k €
Balance sheet
Equity	851,8 k €	+0.6%	846,6 k €	-8.2%	922,5 k €	+9.8%	840,2 k €	+13.7%	739 k €	+304%	182,8 k €	+69.4%	107,9 k €	+15.2%	93,7 k €	-18.2%	114,5 k €	+487%	19,5 k €	+220%	-16,2 k €	-136%	45,1 k €	-66.8%	135,7 k €	+34.3%	101 k €	+12.4%	89,8 k €
Total assets	1,5 M €	+5.0%	1,5 M €	-11.1%	1,7 M €	-1.0%	1,7 M €	-6.5%	1,8 M €	+125%	796,7 k €	+33.4%	597,2 k €	+24.4%	480,2 k €	-25.1%	641,2 k €	+21.0%	529,9 k €	+43.0%	370,7 k €	+38.9%	266,9 k €	-26.6%	363,8 k €	+9.0%	333,6 k €	-7.3%	359,8 k €
Cash	406,2 k €	+9.0%	372,6 k €	+0.9%	369,4 k €	-13.5%	427,1 k €	-40.4%	716,1 k €	+843%	75,9 k €	+398%	15,3 k €	-31.0%	22,1 k €	-82.4%	125,5 k €	+183%	44,3 k €	-30.9%	64,2 k €	+38.0%	46,5 k €	-46.5%	86,8 k €	+261%	24 k €	-88.7%	212 k €
Debts	693 k €	+26.5%	547,7 k €	-24.4%	724 k €	-12.4%	826,5 k €	-19.5%	1 M €	+73.0%	593,6 k €	+26.8%	468,2 k €	+21.1%	386,5 k €	-23.7%	506,4 k €	+1.1%	500,9 k €	+31.2%	381,7 k €	+73.1%	220,5 k €	-3.3%	228 k €	-1.9%	232,5 k €	-13.8%	269,9 k €
Other
Workforce	36,3 ETP	-13.8%	42,1 ETP	-8.3%	45,9 ETP	+5.3%	43,6 ETP	+15.3%	37,8 ETP	+75.8%	21,5 ETP	+50.3%	14,3 ETP	+38.8%	10,3 ETP	-9.6%	11,4 ETP	-13.0%	13,1 ETP	+27.2%	10,3 ETP	+3.0%	10,0 ETP	+14.9%	8,7 ETP	+14.5%	7,6 ETP	+65.2%	4,6 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 8 ended

Active mandates

OtoCS

Director · since 16 juillet 2015 · 0891.128.805

Represented by Koen Van de Walle

Active

Sven Bruggeman

Director · since 16 avril 2008

Active

Ended mandates

OtoCS

Manager · since 16 juillet 2015 · 0891.128.805

Represented by Koen Mariette René Van De Walle

Ended

OtoCS

Manager · since 16 juillet 2015 · 0891.128.805

Represented by Koen Mariette René Van De Walle

Ended

Josephus de Wit

Manager · since 16 avril 2008 · until 20 mai 2015

Ended

Josephus DE WIT

Manager · since 16 avril 2008

Ended

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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	01/01/2025	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	17/07/2026	30/07/2025	12/08/2024	31/07/2023	14/07/2022	16/07/2021
General meeting	17/06/2026	18/06/2025	19/06/2024	21/06/2023	15/06/2022	16/06/2021
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

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Filings

Annual accounts filings

17 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	17/06/2026	17/07/2026	Dutch	PDF
Abridged model	31/12/2024	18/06/2025	30/07/2025	Dutch	PDF
Abridged model	31/12/2023	19/06/2024	12/08/2024	Dutch	PDF
Abridged model	31/12/2022	21/06/2023	31/07/2023	Dutch	PDF
Abridged model	31/12/2021	15/06/2022	14/07/2022	Dutch	PDF
Abridged model	31/12/2020	16/06/2021	16/07/2021	Dutch	PDF
Abridged model	31/12/2019	17/06/2020	13/07/2020	Dutch	PDF
Abridged model	31/12/2018	19/06/2019	19/07/2019	Dutch	PDF
Abridged model	31/12/2017	20/06/2018	08/08/2018	Dutch	PDF
Abridged model	31/12/2016	21/06/2017	17/07/2017	Dutch	PDF
Full model	31/12/2015	15/06/2016	13/07/2016	Dutch	PDF
Full model	31/12/2014	20/05/2015	29/05/2015	Dutch	PDF
Full model	31/12/2013	02/02/2015	29/05/2015	Dutch	PDF
Full model	31/12/2012	19/06/2013	12/07/2013	Dutch	PDF
Full model	31/12/2011	20/06/2012	26/07/2012	Dutch	PDF
Full model	31/12/2010	15/06/2011	03/08/2011	Dutch	PDF
Full model	31/12/2009	22/07/2010	27/07/2010	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 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 31/12/2025 · 2 active · 8 ended

Active mandates

OtoCS

Director · since 16 juillet 2015 · 0891.128.805

Represented by Koen Van de Walle

Active

Sven Bruggeman

Director · since 16 avril 2008

Active

Ended mandates

OtoCS

Manager · since 16 juillet 2015 · 0891.128.805

Represented by Koen Mariette René Van De Walle

Ended

OtoCS

Manager · since 16 juillet 2015 · 0891.128.805

Represented by Koen Mariette René Van De Walle

Ended

Josephus de Wit

Manager · since 16 avril 2008 · until 20 mai 2015

Ended

Josephus DE WIT

Manager · since 16 avril 2008

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates25/03/2024
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - BENAMING - DOEL - ONTSLAGEN - BENOEMINGEN
PDF
Registered office02/07/2021
MAATSCHAPPELIJKE ZETEL
PDF
Capital / shares04/08/2015
KAPITAAL - AANDELEN
PDF
Mandates09/07/2015
MAATSCHAPPELIJKE ZETEL - ONTSLAGEN - BENOEMINGEN
PDF
Mandates31/10/2012
ONTSLAGEN - BENOEMINGEN
PDF
Mandates11/04/2012
ONTSLAGEN - BENOEMINGEN
PDF
Other30/04/2008
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 20255,1 k €↑
2024
Annual accounts 2024-75,9 k €↓
2023
Annual accounts 202382,3 k €↓
2022
Annual accounts 2022201,1 k €↓
2021
Annual accounts 2021580,3 k €↑
2018
Annual accounts 2018112,1 k €↑
2017
Annual accounts 201714,2 k €↑
2016
Annual accounts 2016-20,8 k €↓
2015
Annual accounts 201545 k €↑
2014
Annual accounts 201435,7 k €↑
2013
Annual accounts 2013-61,3 k €↑
2012
Annual accounts 2012-90,6 k €↓
2011
Annual accounts 201170,4 k €↑
2010
Annual accounts 201022,2 k €↓
2009
Annual accounts 2009139,7 k €
16/04/2008
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

iCREDIT

Overview

What does iCREDIT do?

Trend over 15 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