Skip to content

VANBREDA CREDINCO

Active Risk: not assessed
Public limited companyfounded 199728 yrs activePlantin en Moretuslei 297, 2140 Antwerpen, BelgiumKBO/BCE: BE 0462.175.702
Summary

VANBREDA CREDINCO 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 €1.73M and a net result of €2.30M. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 23% of 1475 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term

Signals

Two signals. The signal on the left, the evidence on the right.
+raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1475 sector peers (2025).
NBB · sector comparison
Position among 1475 sector peers
Solvency
better than 23%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
133 d early
2024
128 d early
2023
126 d early
2022
132 d early
2021
103 d early
2020
121 d early
2019
126 d early
← before the deadline after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity
€1.73M▼ 79.5%
2024 · €8.43M
2018: €3.58M 2019: €4.52M 2020: €5.42M 2021: €6.37M 2022: €7.48M 2023: €9.02M 2024: €8.43M
2018 → 2025
Net result
€2.30M▼ 7.3%
2024 · €2.48M
2018: €1.53M 2019: €1.88M 2020: €1.79M 2021: €1.92M 2022: €2.21M 2023: €3.08M 2024: €2.48M
2018 → 2025
Total assets
€12.12M▼ 1.3%
2024 · €12.28M
2018: €5.62M 2019: €6.45M 2020: €7.27M 2021: €8.28M 2022: €9.72M 2023: €11.71M 2024: €12.28M
2018 → 2025
Solvency
14.3%▼ 54.3pp
2024 · 68.6%
2018: 63.7% 2019: 70.1% 2020: 74.5% 2021: 77.0% 2022: 76.9% 2023: 77.0% 2024: 68.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€6.37M-€7.48M▲ 17.3%€9.02M▲ 20.6%€8.43M▼ 6.5%€1.73M▼ 79.5%
Operating result€2.53M-€3.02M▲ 19.2%€4.11M▲ 36.0%€3.04M▼ 26.1%€2.94M▼ 3.3%
Net result€1.92M-€2.21M▲ 15.2%€3.08M▲ 39.5%€2.48M▼ 19.4%€2.30M▼ 7.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€0€2.00M€4.00MOperating result 2021: €2.53M€2.53MNet result 2021: €1.92M€1.92MOperating result 2022: €3.02M€3.02MNet result 2022: €2.21M€2.21MOperating result 2023: €4.11M€4.11MNet result 2023: €3.08M€3.08MOperating result 2024: €3.04M€3.04MNet result 2024: €2.48M€2.48MOperating result 2025: €2.94M€2.94MNet result 2025: €2.30M€2.30M20212022202320242025€0€2M€4MOperating result 2023: €4.11M€4.1MNet result 2023: €3.08M€3.1MOperating result 2024: €3.04M€3MNet result 2024: €2.48M€2.5MOperating result 2025: €2.94M€2.9MNet result 2025: €2.30M€2.3M202320242025
The operating result has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12.12M
Fixed assets €3k ▼ 12.4%
Current assets €12.12M ▼ 1.3%
Equity and liabilities €12.12M
Equity €1.73M ▼ 79.5%
Debt €10.39M ▲ 170%
Debt's share of the balance-sheet total rises from 31.4% to 85.7%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
ROE
133.0%
2024 · 29.5%
ROA
19.0%
2024 · 20.2%
Debt ≤ 1 year
€10.35M
2024 · €3.83M
Income taxes
€777k
2024 · €839k
Staff costs
€1.04M
2024 · €1.16M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet Code20242025
Assets
Total assets20/58€12.28M€12.12M
Fixed assets21/28€3k€3k
Tangible fixed assets22/27€3k€3k
Plant, machinery and equipment23€1k€1k
Furniture and vehicles24€2k€1k
Current assets29/58€12.28M€12.12M
Amounts receivable within one year40/41€799k€1.27M
Trade receivables40€644k€978k
Other amounts receivable41€155k€296k
Current investments50/53€1.20M€602k
Cash at bank and in hand54/58€10.27M€10.24M
Deferred charges and accrued income490/1€18k€8k
Equity and liabilities
Total equity and liabilities10/49€12.28M€12.12M
Equity10/15€8.43M€1.73M
Contributions10/11€79k€79k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Outside capital11€17k€17k=
Share premium1100/10€17k€17k=
Reserves13€8.35M€1.65M
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€211k-
Distributable reserves133€8.13M€1.65M
Profit (loss) carried forward14€810€291
Amounts payable17/49€3.86M€10.39M
Amounts payable within one year42/48€3.83M€10.35M
Trade debts44€434k€1.09M
Suppliers440/4€434k€1.09M
Taxes, remuneration and social security45€321k€269k
Taxes450/3€282€3k
Remuneration and social security454/9€321k€266k
Other amounts payable47/48€3.07M€9.00M
Accrued charges and deferred income492/3€29k€41k
Income statement Code20242025
Remuneration, social security and pensions62€1.16M€1.04M
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€586€1k
Other operating charges640/8€1k€1k
Gross operating margin9900€4.20M€3.98M
Operating profit (loss)9901€3.04M€2.94M
Financial income75/76B€264k€139k
Recurring financial income75€264k€139k
Financial charges65/66B€-22k€-4k
Recurring financial charges65€-22k€-4k
Profit (loss) for the period before taxes9903€3.32M€3.08M
Income taxes67/77€839k€777k
Profit (loss) for the period9904€2.48M€2.30M
Transfer from tax-exempt reserves789€589k€211k
Profit (loss) for the period to be appropriated9905€3.07M€2.51M
Appropriation of the result
Profit (loss) to be appropriated9906€3.07M€2.51M
Profit (loss) brought forward from the previous period14P€210€810
Transfer from equity791/2-€6.49M
Profit to be distributed694/7€3.07M€9.00M
Return on contributions (dividend)694€3.07M€9.00M
Social balance
Average headcount (FTE)90877.46.7

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
05-08
State Gazette act Resignations & appointments
Power of attorney2 facts ▸
  • Board meeting, 19/05/2026
  • Power of attorney, Marc Van kerckhoven
20-03
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-04
State Gazette act Resignations: Guinée BV (director) and Jan Desmet (director)
Permanent representative: Jean Guinée8 facts ▸
  • General meeting, 25-03-2025
  • Director resignation, Guinée BV (director)
  • Permanent representative, Jean Guinée
  • Director resignation, Jan Desmet (director)
  • Board composition, Pedro Matthynssens (director)
  • Board composition, Frank Fripon (bestuurder, gedelegeerd bestuurder)
  • Board composition, Koen Dierckx (director)
  • Board composition, Luk Van Elsacker (director)
25-03
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-04
State Gazette act Reappointments: Pedro Matthynssens, Guinée BV and 3 others
Permanent representatives: Jean Guinée and Philippe Venken · Appointments: Pedro Matthynssens, Guinée BV and Frank Fripon11 facts ▸
  • General meeting, 07-03-2024
  • Director reappointment, Pedro Matthynssens (director)
  • Director reappointment, Guinée BV (director)
  • Director reappointment, Frank Fripon (director)
  • Director reappointment, Koen Dierckx (director)
  • Permanent representative, Jean Guinée
  • Auditor reappointment, BDO Bedrijfsrevisoren BV
  • Permanent representative, Philippe Venken
  • Director appointment, Pedro Matthynssens (chair of the board)
  • Director appointment, Guinée BV (managing director)
  • Director appointment, Frank Fripon (managing director)
27-03
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Highest result since 2018net €3.08M ▲39.5%
Operating result €4.11M, net result €3.08M, both a record.
25-08
State Gazette act Registered office · Miscellaneous
Registered-office move2 facts ▸
  • General meeting, 28-06-2023
  • Registered-office move, 2140 Antwerpen, Plantin en Moretuslei 297
03-07
State Gazette act Statutes amendment
10 facts ▸
  • General meeting, 28-06-2023
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
21-03
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-04
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-10
State Gazette act Appointments: Frank FRIPON (director) and Koen Dierckx (director)
Permanent representative: Jean Guinée10 facts ▸
  • General meeting, 21-09-2021
  • Director appointment, Frank FRIPON (director)
  • Board meeting, 21-09-2021
  • Director appointment, Frank FRIPON (managing director)
  • Director appointment, Koen Dierckx (director)
  • Board composition, Pedro Matthynssens (chair of the board)
  • Board composition, Guinée BV (managing director)
  • Permanent representative, Jean Guinée
  • Board composition, Koen Dierckx (director)
  • Board composition, Frank FRIPON (managing director)
Show earlier events
14-05
State Gazette act Reappointments: Pedro Matthynssens, Guinée BV and 2 others
Appointments: Pedro Matthynssens, Guinée BV and Koen Dierckx · Permanent representatives: Jean Guinée and Philippe Venken10 facts ▸
  • General meeting, 04-03-2021
  • Director reappointment, Pedro Matthynssens (director)
  • Director appointment, Pedro Matthynssens (chair of the board)
  • Director reappointment, Guinée BV (director)
  • Permanent representative, Jean Guinée
  • Director reappointment, Koen Dierckx (director)
  • Director appointment, Guinée BV (managing director)
  • Director appointment, Koen Dierckx (managing director)
  • Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
  • Permanent representative, Philippe Venken
01-04
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial Equity above €5MEq €5.42M ▲19.7%
3 profitable years in a row build equity to €5.42M.
27-03
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-03
State Gazette act Resignations: Wim Lanclus (director) and Pieter Panneel (director)
Appointment: Koen Dierckx (managing director) · Permanent representative: Jean Guinée9 facts ▸
  • General meeting, 07-03-2019
  • Director resignation, Wim Lanclus (director)
  • Director resignation, Pieter Panneel (director)
  • Board meeting, 27-02-2019
  • Director appointment, Koen Dierckx (managing director)
  • Board composition, Pedro Matthynssens (chair of the board)
  • Board composition, Guinée BVBA (managing director)
  • Permanent representative, Jean Guinée
  • Board composition, Koen Dierckx (managing director)
20-03
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
28-01
State Gazette act Permanent representative: Philippe Venken
1 fact ▸
  • Permanent representative, Philippe Venken
2018
13-06
State Gazette act Reappointments: Pedro dro Matthynssens, Guinée BVBA and 3 others
Appointments: Pedro dro Matthynssens, Pieter Panneel and 2 others12 facts ▸
  • General meeting, 01-03-2018
  • Director reappointment, Pedro dro Matthynssens (director)
  • Director appointment, Pedro dro Matthynssens (chair of the board)
  • Director reappointment, Guinée BVBA (director)
  • Director reappointment, Wim Lanclus (director)
  • Director reappointment, Koen Dierckx (director)
  • Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
  • General meeting, 08-05-2018
  • Director appointment, Pieter Panneel (director)
  • Director appointment, Guinée BVBA (managing director)
  • Director appointment, Wim Lanclus (managing director)
  • Director appointment, Pieter Panneel (managing director)
20-03
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-04
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
10-06
State Gazette act Appointment: Koen Dierckx (director)
2 facts ▸
  • General meeting, 08-05-2015
  • Director appointment, Koen Dierckx (director)
20-04
State Gazette act Reappointments: Pedro Matthynssens, Guinée BVBA and 2 others
Permanent representatives: Jean Guinée and Hans Wilmots7 facts ▸
  • General meeting, 05/03/2015
  • Director reappointment, Pedro Matthynssens (director and chair of the board)
  • Director reappointment, Guinée BVBA (managing director)
  • Permanent representative, Jean Guinée
  • Director reappointment, Wim Lanclus (managing director)
  • Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
  • Permanent representative, Hans Wilmots
2014
03-04
State Gazette act Resignation: Mark Leysen (director and chair of the board)
Appointment: Pedro Matthynssens (chair of the board) · Reappointment: BDO Bedrijfsrevisoren Burg. Venn. CVBA (statutory auditor) · Permanent representative: Hans Wilmots5 facts ▸
  • General meeting, 06-03-2014
  • Director resignation, Mark Leysen (director and chair of the board)
  • Director appointment, Pedro Matthynssens (chair of the board)
  • Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
  • Permanent representative, Hans Wilmots
2013
27-06
State Gazette act Resignation: LUC-IDE CONSULT (director)
Permanent representative: Luc PEETERS · Appointment: Pedro MATTHYNSSENS (director)4 facts ▸
  • General meeting, 23-05-2013
  • Director resignation, LUC-IDE CONSULT (director)
  • Permanent representative, Luc PEETERS
  • Director appointment, Pedro MATTHYNSSENS (director)
2012
30-04
State Gazette act Resignation: GUINÉE Jean Marie Baudouin François (manager)
Appointments: GUINEE, LANCLUS Wim Hector Alida and 3 others · Permanent representatives: GUINÉE Jean Marie Baudouin François and PEETERS Luc Josepha Antoon Frans · Capital increase17 facts ▸
  • General meeting, 16-04-2012
  • Capital increase, €8.924,16
  • Capital increase, €33.983,83
  • Capital, €61.500
  • Legal-form conversion, Naamloze vennootschap
  • Statutes amendment
  • Director resignation, GUINÉE Jean Marie Baudouin François (manager)
  • Director discharge, GUINÉE Jean Marie Baudouin François
  • Director appointment, GUINEE (director)
  • Permanent representative, GUINÉE Jean Marie Baudouin François
  • Director appointment, LANCLUS Wim Hector Alida (director)
  • Director appointment, LEYSEN Marc Marcellinus Ludovicus Joseph Liliane Rita (director)
  • +5 further facts in this act
14-03
State Gazette act Miscellaneous
Merger1 fact ▸
  • Merger, inbreng van een bedrijfstak
2011
05-12
State Gazette act Resignation: GC MANAGEMENT (manager)
Permanent representatives: COLARDYN Gregory and WILMOTS Hans · Appointment: BDO BEDRIJFSREVISOREN (statutory auditor) · Name change9 facts ▸
  • General meeting, 21/11/2011
  • Name change, VANBREDA CREDINCO
  • Registered-office move, 2930 Brasschaat, Miksebaan 236 bus 1
  • Capital
  • Director resignation, GC MANAGEMENT (manager)
  • Director discharge, GC MANAGEMENT
  • Permanent representative, COLARDYN Gregory
  • Auditor appointment, BDO BEDRIJFSREVISOREN (statutory auditor)
  • Permanent representative, WILMOTS Hans
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
7 directors, no change since 2025
Frank Fripon
Managing director · since 21-09-2021
Current
Koen Dierckx
Director · since 08-05-2015
Current
MATTHYNSSENS Pedro Ludovicus Honoré
Chair of the board · since 01-07-2013
Current
Guinée BVBA
Managing director · since 01-03-2018 · Legal entity · perm. rep.: Jean Guinée
Not recently confirmed
Pedro dro Matthynssens
Chair of the board · since 01-03-2018
Not recently confirmed
DESMET Jan Frans Michel
Director · since 16-04-2012
Not recently confirmed
1 other director
GUINEE
Director · since 16-04-2012 · Private limited company · perm. rep.: GUINÉE Jean Marie Baudouin François
Not recently confirmed
31-03-2025 Guinée BV: Resigned as Director
07-03-2024 Frank Fripon: Appointed as Managing director
07-03-2024 MATTHYNSSENS Pedro Ludovicus Honoré: Appointed as Chair of the board
07-03-2024 Guinée BV: Appointed as Managing director
21-09-2021 Frank Fripon: Appointed as Director
Full history in the Timeline (30 changes) →
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1998
establishment approximate The establishment unit on the map
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Plantin en Moretuslei 2972140 Antwerpen
Ground area
9,291 m²
Building footprint
2,425 m²
Volume, LiDAR
57,490 m³
Parcel 11006A0326/00F008, Flanders · tallest building 34.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Plantin en Moretuslei 297, 2140 Antwerpen
NACE 67201
since 19982.085.027.272
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11006A0326/00F008 Flanders 9,291 m² 1 · 2,425 m² 34.5 m · 9 fl.
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Statutory auditor

1 auditor
BDO Bedrijfsrevisoren Burg. Venn. CVBACurrent
Auditor · represented by Philippe Venken
06-03-2014 → present
Show 1 earlier auditors
BDO BEDRIJFSREVISOREN-BDO REVISEURS D'ENTREPRISES
Auditor · represented by Philippe Venken
succeeded by BDO Bedrijfsrevisoren Burg. Venn. CVBA in 2014
05-12-2011 → 06-03-2014

Articles of association

Purpose
De agentuur en makelarj van alle verzekeringen en herverzekeringen, de aan- verkoop of beheer van verzekeringsportefeuilles in hun geheel of ten dele en in het algemeen alle…
Full purpose

De agentuur en makelarj van alle verzekeringen en herverzekeringen, de aan- verkoop of beheer van verzekeringsportefeuilles in hun geheel of ten dele en in het algemeen alle handelingen die de bedrijvigheid der vennootschap kunnen begunstigen of uitbreiden; de makelarij in alle krediet- en financiële verrichtingen; studie-, organisatie en raadgevend bureau inzake financiële, handels-, fiscale en sociale aangelegenheden.

Structure & network

Connections & network

9 connected companies
MATTHYNSSENS Pedro Ludovicus Honoré, Shared director, links 6 companies MPMATTHYNSSENS PedroLudovicus HonoréBecobra, via MATTHYNSSENS Pedro Ludovicus Honoré BBecobraJustitia, via MATTHYNSSENS Pedro Ludovicus Honoré JJustitiaVANBREDA GEERTS, via MATTHYNSSENS Pedro Ludovicus Honoré VGVANBREDAGEERTSVanbreda Soenen Missinne, via MATTHYNSSENS Pedro Ludovicus Honoré VSVanbreda SoenenMissinneVanbreda Waasland, via MATTHYNSSENS Pedro Ludovicus Honoré VWVanbredaWaaslandThe Boston Consulting Group, via MATTHYNSSENS Pedro Ludovicus Honoré TBThe BostonConsulting GroupBANK J.VAN BREDA & C°, Shared director BJBANK J.VANBREDA & C°Cigna International Health Services, Shared director CICignaInternational…DELEN PRIVATE BANK, Shared director DPDELEN PRIVATEBANKVANBREDA CREDINCO VANBREDACREDINCO0462.175.702
Shared directors
Linked via shared directors
Show 5 more companies with a shared director
former
BANK J.VAN BREDA & C°
Shared director
DELEN PRIVATE BANK
Shared director

Ownership & control

2 parent companies
Control over this companyparent company per the LEI register2
Antwerpen · indirect
controls
VANBREDA CREDINCOBE 0462.175.702

Acquisitions and mergers

1 transaction
Received a branch of activity from:Vanbreda Risk & Benefits NV
proposal · State Gazette act of 14-03-2012

Capital and shareholders

Capital over the years
  1. 30-04-2012 Capital increase of 8,924.16 EUR · to 27,516.17 EUR · 324 new shares
  2. 30-04-2012 Capital increase of 33,983.83 EUR · to 61,500 EUR
  3. 05-12-2011 Capital stated in the act · 675 shares

Recognitions · licences · registrations

Legal Entity Identifier

5299005G6JCCN091KU52
live in the LEI register

Similar companies · same sector, comparable size

Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,780 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification
Legal formPublic limited company
Founded19-12-1997
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.