Financials
- Financial year
- 2025
- Turnover
- €12.5m
- Profit
- €507,459
- Solvency
- 18.6%
Summary
Creafin is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €6.5m and a net result of €507,459, of which €290,364 non-recurring income. Equity is shrinking by about 10% per year across the filed financial years. Its solvency ranks better than 16% of 3,018 sector peers (NACE 64, financial year 2025). The company has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Financial service activities, except insurance and pension funding
NACE 64922
4th largest company by total assets in Lier, Finance and insurance sector1 site
Size
€12.5mturnover 2025
- Staff
- 17 FTE
- Equity
- €6.5m
- Profit
- €507,459
Net result +68%: 18-month year
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Parent
- DUHOLD
- Board
- 5 members
- Holdings
- 1
- Herman BruylandChair
- Jo JanssensManaging director
Auditor: Forvis Mazars Réviseurs d’Entreprises2025 accounts filed 60 days late8 of 26 deeds summarised
Signalsraises riskWeak solvency vs sector2025 accounts filed 60 days latelowers riskGrowing equityShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
Three signals.
lowers riskraises risk
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 3018 sector peers (2025).
NBB · sector comparisonPosition among 3018 sector peers
Solvency
better than 16%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €6.5m
raises risk · 2025 accounts filed 60 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
60 days late
2024
59 days early
2023
51 days early
2022
97 days early
2021
19 days early
2020
89 days early
2019
70 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 46 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · full…
- Reappointment: BRUYLAND, Herman (director)Appointments: SERAFIN Maryline Dominique, JANSSENS…
- Reappointment: Herman Bruyland (director)Appointments: Herman Bruyland, Maryline Serafin…
Key points
- Positive: Equity rose in 2025capital increase ▲ 119% View
- Caution: Among the weakest 17% on solvencysector median 61.2% · 3,018 companies 18.6% View
- New directorslatest change 30-03-2026 · 5 in office 4 joined View
- Controlled by DUHOLD parent View
- Positive: 7 profitable years in a rowprofit 2025: €507,459, mostly one-off 7 years View
By topic
Board & ownership
- Board
- 5 members
- Parent
- DUHOLD
- Auditor
- Forvis Mazars Réviseurs d’Entreprises
- Herman BruylandChair
- Jo JanssensManaging director
- Maryline SerafinDirector
- SERAFIN Maryline DominiqueDirector
- Broeckaert RudyDirector
Network & group
- Holdings
- 1
1 holding
Timeline
- Events
- 40
- Since
- 1997
- 31-12-2025Equity above €5m
- 24-07-2025Amendment of the articles
- 20-12-2024Capital & shares · Amendment of the…
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Financial service activities, except insurance and pension fundingNACE 64922
- Founded
- 27-07-1995
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 10
- Annual meeting
- Fourth Monday of June at 14:00
- Purpose
- “Het toestaan van kredieten in de meest brede zin van het woord,het verrichten van alle…” (deed in Dutch)
Key facts about Creafin
- What is the company number of Creafin?
- 0455.731.338. In Belgium the VAT number is the company number with BE in front: BE 0455.731.338.
- Where is Creafin based?
- The registered office is at Duwijckstraat 17, 2500 Lier.Company details
- What does Creafin do?
- According to the KBO register, the main activity is financial service activities, except insurance and pension funding (NACE 64922).
- What is the legal form of Creafin?
- Public limited company (NV).
- When was Creafin founded?
- On 27-07-1995.
- Is Creafin still active?
- Yes, Creafin is an active enterprise in the KBO register.
- How many employees does Creafin have?
- On average 17 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of Creafin?
- €12.5m in financial year 2025, according to the filed annual accounts.
- Is Creafin profitable?
- In financial year 2025, Creafin made a profit of €507,459.
- Where can I find the annual accounts of Creafin?
- Creafin filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Companies related to Creafin
Parent and group
Shareholders
- Alembic Capital35.22%
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- Demer en DijleHeusden-Zolder
Go further with this company
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