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Generated 14-08-2026
Active BE 0840.871.521Private limited company (pre-2019)

Creditum

Hundelgemsesteenweg 492A ·9820 Merelbeke-Melle, Belgium· 14 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of Creditum is 1.1% (low). The 2022 annual accounts show equity of €16k and a net result of €17. Equity remains stable across the filed fiscal years (±0.1% per year). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €16k
Net result €17
Active 14 yrs
Board 1
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health86Profitability1Solvency100Growth78Stability100
73 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 86
Profitability 1
Solvency 100
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.1% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2011, 14 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2022 · computed
86 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 31-10-2023 with the NBB · fiscal year 2022 · micro
€0€50€100Operating result 2018: €44€44Net result 2018: €2€2Operating result 2019: €124€124Net result 2019: €84€84Operating result 2020: €71€71Net result 2020: €6€6Operating result 2021: €67€67Net result 2021: €14€14Operating result 2022: €67€67Net result 2022: €17€1720182019202020212022
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 5 fiscal years (±0.1%/year).
€14k€15k€16k€17k2023: €16k (€14k - €17k)2024: €16k (€14k - €17k)2025: €16k (€14k - €17k)2018: €15k2019: €15k2020: €16k2021: €16k2022: €16k20182019202020212022202320242025
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Net profit
€17
+15.0% 18-22
Total assets
€16k
-14.1% 18-22
Equity
€16k
+0.1% 18-22
Working capital
€16k
+0.1% 18-22
Income taxes
€6
-20.3% 18-22
Debt
€571
-82.3% 18-22
Debt ≤ 1y
€571
-82.3% 18-22
Current ratio
28.22
+386.5% 18-22
Quick ratio
28.22
+386.5% 18-22
Solvency
96.5%
+16.5% 18-22
Debt / equity
0.04
-82.4% 18-22
ROE
0.1%
+14.9% 18-22
ROA
0.1%
+33.9% 18-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue-
EBITDA-
Net profit€17
Cash flow-
Staff costs-
Income taxes€6
Dividends-
Total assets€16k
Equity€16k
Debt€571
of which ≤ 1y€571
of which > 1y-
Working capital€16k
Employees (FTE)-
Ratios (computed)
2022
Current ratio28.22
Quick ratio28.22
Working capital ratio96.5%
Solvency96.5%
Debt / equity0.04
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA0.1%
ROE0.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€16k
Current assets 29/58€16k
Amounts receivable within one year 40/41€5k
Cash & bank 54/58€11k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€16k
Equity 10/15€16k
Contributions / capital 10/11€8k
Reserves 13€7k
Amounts payable 17/49€571
Amounts payable within one year 42/48€571
Trade debts payable within one year 44€571
Income statement
Gross operating margin 9900€640
Operating result 9901€67
Financial charges 65€45
Result before taxes 9903€22
Income taxes 67/77€6
Net result for the period 9904€17
Result to be appropriated 9905€17
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Current directors & mandates
  • Bv. Wauters & CoLegal entity
    Manager· perm. rep.: Wauters
    State Gazette act 25082664 (03-07-2025)
    Current
    03-07-2025 → present
Former directors (2)
  • De Smedt Eddy
    Manager
    State Gazette act 25082664 (03-07-2025)
    Former
    - → 03-07-2025
  • Van den Broeck Steven
    Manager
    State Gazette act 25082664 (03-07-2025)
    Former
    - → 03-07-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation08-11-2011
StatusActive
Postal code9820
Connections & network 1 connected companies
Group structure
EP FINANCE
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control 1 parties
CreditumBE 0840.871.521
controls
Where this company holds controlthis company sits on their board1
EP FINANCE
1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Establishment units 1 location
Creditum
Nachtegaalstraat 8, 9240 ZeleVerstrekken van hypothecair krediet
since 20112.204.412.201
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42028B0738/00B000 Flanders 4,529 m² 1 · 1,304 m² 31.6 m · 4 fl.
44043A0661/00F002 Flanders 472 m² 1 · 196 m² 12.3 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
03-07-2025
State Gazette act Director changes
correction
2023
31-10-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
30-09-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
30-11-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
30-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
15-10-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
27-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
16-10-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
31-12-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
30-10-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
2014
31-10-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
03-07-2025 1 director appointed, 2 resigning Director changescorrection
  • Wauters, Zaakvoerder
  • Van den Broeck Steven, Zaakvoerder
  • De Smedt Eddy, Zaakvoerder
Technical details 
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      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": "600705 091-01",
        "name": "Van den Broeck Steven",
        "address": "7890 Ellezelles, Rue Bruy\u00E8re 97",
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De bijzondere algemene vergadering gehouden op 01/03/2025 heeft beslist om over te gaan tot het ontslag van bestuurders",
      "decharge_status": null,
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      "rep_rotation_new_rep": null,
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    },
    {
      "kind": "director_out",
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        "rrn": "510414 089-08",
        "name": "De Smedt Eddy",
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
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      "evidence_quote": "Dhr. De Smedt Eddy, wonende te 9200 Dendermonde, Baasrodestraat 8, nationaal nummer 510414 089-08,als niet-statutair zaakvoerder van de vennootschap die aanvaard.",
      "decharge_status": null,
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    },
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      "kind": "director_in",
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      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0459.841.861",
        "name": "Bv. Wauters \u0026 Co",
        "address": "Hundelgemsesteenweg 492A te 9820 Merelbeke",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Verder heeft de bijzondere algeme vergadering ook besloten tot benoeming van bestuurders",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "substantive_delegation",
      "role": "dagelijks_bestuur",
      "person": {
        "rrn": null,
        "name": "Kathy Wauters",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0459.841.861",
        "name": "Bv. Wauters \u0026 Co",
        "address": "Hundelgemsesteenweg 492A te 9820 Merelbeke",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "vertegenwoordigd door Kathy Wauters",
      "decharge_status": null,
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      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
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      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    },
    {
      "kind": "correction",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": "rectification",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Op de laatste blz. van Luik B vermelden:",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-07-03",
    "filing_date": "2025-06-24",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "bijzondere_algemene_vergadering",
      "date": "2025-03-01",
      "unanimous": null
    }
  ],
  "is_correction": true,
  "subject_company": {
    "kbo": "0840.871.521",
    "name_full": "CREDITUM",
    "legal_form": "BVBA",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL Creditum
Registered office
Hundelgemsesteenweg 492A
9820 Merelbeke-Melle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative