Summary
CREDIEM 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 €12,107 and a net result of €286,080. Its solvency ranks better than 11% of 9,750 sector peers (NACE 64, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
Source: KBO- Status
- Active since 14-03-2023 Normal situation
- Activity
- Financial service activities, except insurance and pension funding NACE 64190and 1 other
- Establishment unit
- 2.345.208.392 4800 Verviers, since 01-07-2023
- Financial year end
- 30 June
- Peppol
- Reachable since 25-11-2025
Board and ownership
- BENOIT CHARLIER MANAGEMENTManaging director · permanent representative CHARLIER Benoît José Jean-Marie
- PASCAL DEFLANDRE MANAGEMENTManaging director · permanent representative DEFLANDRE Pascal Jean François Ghislain
- BENOIT CHARLIER MANAGEMENT· score 99act of 16-03-2023
- PASCAL DEFLANDRE MANAGEMENT· score 92act of 16-03-2023
Financial position
- Profit
- €286,080
- ▲ 286%
- Equity
- €12,107
- ▲ 101%
- Total assets
- €294,268
- ▲ 206%
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
The company filed its last 2 accounts on average 22 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
Key points
Recent changes
- · Gazette deed Amendment of the articles · Miscellaneous
- · Gazette deed Company renamed from CREDIOME to CREDIEM
- · Gazette deed IncorporationStarting capital €2,000 · Appointments: PASCAL DEFLANDRE MANAGEMENT (director) and BENOIT CHARLIER MANAGEMENT (director) · Permanent representatives: DEFLANDRE Pascal Jean François Ghislain and CHARLIER Benoît José Jean-Marie
Comparable companies
These companies have the same main activity as CREDIEM: financial service activities, except insurance and pension funding (NACE 64190). They are comparable in size and age: total assets between €160,000 and €367,000, founded between 2019 and 2024.
| Company | Total assets | Gross margin |
|---|---|---|
| CREDIEM Verviers | €0.3m | €0.3m |
| CJ FINANCES Bastogne | €0.2m | €0.2m |
| JHJ FINANCES Dinant | €0.3m | €0.2m |
| JODI Consult Antwerpen | €0.2m | €0.2m |
| FIN-INSURE W Willebroek | €0.2m | €0.2m |
| BASSE MEUSE FINANCES INVEST Visé | €0.2m | €1.1m |
| Lesco finance Buggenhout | €0.4m | €0.7m |
Key facts about CREDIEM
- What is the company number of CREDIEM?
- The company number of CREDIEM is 0799.512.404. The VAT number is the same number with BE in front: BE 0799.512.404.
- Where is CREDIEM based?
- The registered office is at Pont du Chêne 17, 4800 Verviers.Company details
- What does CREDIEM do?
- According to the KBO register, the main activity is financial service activities, except insurance and pension funding (NACE 64190).
- What is the legal form of CREDIEM?
- The legal form of CREDIEM is Private limited company (BV).
- When was CREDIEM founded?
- CREDIEM was founded on 14-03-2023.
- Is CREDIEM still active?
- Yes, CREDIEM is an active enterprise in the KBO register.
- What is the turnover of CREDIEM?
- The turnover in financial year 2025 is ≈ €430,000. This figure is estimated from the gross margin of €308,165 and 40 comparable companies (NACE 64). It probably lies between €340,000 and €710,000.Financials
- Is CREDIEM profitable?
- In financial year 2025, CREDIEM made a profit of €286,080.
- Where can I find the annual accounts of CREDIEM?
- CREDIEM filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CREDIEM due?
- CREDIEM must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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