Credendo - Trade Credit Insurance
Active Risk: not assessedSummary
Credendo - Trade Credit Insurance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Signals
Checked, nothing found (2)
Financials · unclassified schema
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | unclassified schema | 20-04-2026 | 2026-00084486 |
| 31-12-2024 | unclassified schema | 02-06-2025 | 2025-00115697 |
| 31-12-2023 | unclassified schema | 11-04-2024 | 2024-00061735 |
| 31-12-2022 | unclassified schema | 17-04-2023 | 2023-00060413 |
| 31-12-2021 | unclassified schema | 21-04-2022 | 2022-20006269 |
| 31-12-2020 | unclassified schema | 07-05-2021 | 2021-13900462 |
| 31-12-2019 | unclassified schema | 09-06-2020 | 2020-15300183 |
| 31-12-2018 | unclassified schema | 06-05-2019 | 2019-12200022 |
| 31-12-2017 | unclassified schema | 12-06-2018 | 2018-17300271 |
| 31-12-2016 | unclassified schema | 12-06-2017 | 2017-16000224 |
Timeline · acts, filings and financial milestones
30-06
State Gazette act
Capital & shares · Statutes amendmentCapital increase · Capital · Statutes amendment9 facts ▸
- Capital increase, €12.036.627,96
- Capital increase, €3.991.623
- Capital increase, €50.147,13
- Capital increase, €11.412.276
- Capital increase, €9.800.356,6
- Capital, €161.139.710,46
- Statutes amendment
- Power of attorney, het bestuursorgaan
- Power of attorney, Van Halteren Notarissen
20-02
State Gazette act
Resignation: Heidi Cortois (niet uitvoerend, onafhankelijk bestuurder)2 facts ▸
- General meeting, 19/12/2025
- Director resignation, Heidi Cortois (niet uitvoerend, onafhankelijk bestuurder)
14-05
State Gazette act
Capital & shares · RestructuringMerger · Accounting effect · Capital increase8 facts ▸
- General meeting, 11/04/2025
- Merger, 11/04/2025
- Accounting effect, 01/01/2025
- Capital increase, €20.448.679,77
- Capital decrease, €10.000.000
- Name change, CREDENDO - TRADE CREDIT INSURANCE
- Capital, €123.848.679,77
- Power of attorney, LOYENS & LOEFF Advocaten-Avocats BV
06-12
State Gazette act
MiscellaneousMerger1 fact ▸
- Merger, grensoverschrijdende fusie door overneming
06-12
State Gazette act
RestructuringMerger · Name change · Capital increase7 facts ▸
- Merger, grensoverschrijdende fusie door overneming
- Name change, CREDENDO - TRADE CREDIT INSURANCE
- Capital increase
- Capital decrease, €10.000.000
- Accounting effect, 01/01/2025
- Merger condition
- Dissolution, ontbinding zonder vereffening
21-12
State Gazette act
Appointment: KPMG Bedrijfsrevisoren BV (statutory auditor)Permanent representative: Jean-François Kupper3 facts ▸
- General meeting, 11/04/2023
- Auditor appointment, KPMG Bedrijfsrevisoren BV (statutory auditor)
- Permanent representative, Jean-François Kupper (vertegenwoordiger commissaris)
18-05
State Gazette act
Reappointment: Georges Stienlet (director)2 facts ▸
- General meeting, 12/04/2022
- Director reappointment, Georges Stienlet (director)
Show earlier events
22-12
State Gazette act
Resignations: Filip Abraham (independent director) and Niko Demeester (independent director)Appointments: Heidi Cortois (independent director) and Véronique van Ockenburg-Léonard (independent director)5 facts ▸
- General meeting, 13/04/2021
- Director resignation, Filip Abraham (independent director)
- Director resignation, Niko Demeester (independent director)
- Director appointment, Heidi Cortois (independent director)
- Director appointment, Véronique van Ockenburg-Léonard (independent director)
31-03
State Gazette act
Purpose · Statutes amendmentPurpose change · Statutes amendment · Capital7 facts ▸
- Purpose change, De vennootschap heeft tot voorwerp, zowel in België als in het buitenland, alle activiteiten van verzekering, medeverzekering en herverzekering van schuldvorder…
- Statutes amendment
- Statutes amendment
- Capital, €113.400.000
- Statutes amendment
- Statutes amendment
- Power of attorney, het bestuursorgaan
08-02
State Gazette act
Reappointments: Stefaan Van Boxstael, Jean-Paul Steenbeke and Karin Deesen4 facts ▸
- Board meeting, 20/05/2020
- Director reappointment, Stefaan Van Boxstael (uitvoerend bestuurder, voorzitter van het directiecomité)
- Director reappointment, Jean-Paul Steenbeke (uitvoerend bestuurder, lid van het directiecomité)
- Director reappointment, Karin Deesen (uitvoerend bestuurder, lid van het directiecomité)
24-08
State Gazette act
Reappointments: Filip Abraham, Niko Demeester and 7 othersResignations: Yves Goldstein (non-executive director) and Laurence Christians (non-executive director) · Appointment: KPMG Bedrijfsrevisoren CVBA (statutory auditor) · Permanent representative: Jean-François Kupper14 facts ▸
- General meeting, 20/05/2020
- Director reappointment, Filip Abraham (independent director)
- Director reappointment, Niko Demeester (independent director)
- Director reappointment, Georges Stienlet (non-executive director)
- Director reappointment, Dirk Terweduwe (chair of the board)
- Director reappointment, Frank Vanwingh (non-executive director)
- Director reappointment, Nabil Jijakli (non-executive director)
- Director reappointment, Stefaan Van Boxstael (executive director)
- Director reappointment, Jean-Paul Steenbeke (executive director)
- Director reappointment, Karin Deesen (executive director)
- Director resignation, Yves Goldstein (non-executive director)
- Director resignation, Laurence Christians (non-executive director)
- +2 further facts in this act
11-08
State Gazette act
Appointment: KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)Permanent representative: Kenneth Vermeire3 facts ▸
- General meeting, 06/06/2017
- Auditor appointment, KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)
- Permanent representative, Kenneth Vermeire
25-01
State Gazette act
Capital & shares · Statutes amendmentName change · Statutes amendment · Capital4 facts ▸
- Name change, Credendo - Short - Term Non - EU Risks
- Statutes amendment
- Capital, €113.400.000
- Power of attorney, Raad van bestuur
30-05
State Gazette act
Resignation: Marc Monbaliu (director)1 fact ▸
- Director resignation, Marc Monbaliu (director)
25-09
State Gazette act
Resignation: Jean Pierre Pauwels (director and chair of the board)Appointment: Terweduwe (chair of the board)3 facts ▸
- Board meeting, 11/12/2013
- Director resignation, Jean Pierre Pauwels (director and chair of the board)
- Director appointment, Terweduwe (chair of the board)
19-08
State Gazette act
Appointment: BCVBA PwC Bedrijfsrevisoren (statutory auditor)Permanent representative: Kurt Cappoen3 facts ▸
- General meeting, 27/06/2014
- Auditor appointment, BCVBA PwC Bedrijfsrevisoren (statutory auditor)
- Permanent representative, Kurt Cappoen (representative)
02-07
State Gazette act
Appointment: Stefaan Van Boxstael (managing director)Resignation: Terweduwe (managing director)4 facts ▸
- Board meeting, 11/12/2013
- Director appointment, Stefaan Van Boxstael (managing director)
- Director appointment, Stefaan Van Boxstael (dagselijks bestuur)
- Director resignation, Terweduwe (managing director)
26-06
State Gazette act
Reappointments: Dirk Terweduwe, Filip Abraham and 6 othersAppointments: Dirk Terweduwe, Filip Abraham and 10 others · Resignations: Baudoin Velge (director) and Julien Compère (director)30 facts ▸
- General meeting, 22/04/2014
- Director reappointment, Dirk Terweduwe (director)
- Director appointment, Dirk Terweduwe (chair of the board)
- Director reappointment, Filip Abraham (director)
- Director appointment, Filip Abraham (independent director)
- Director reappointment, Niko Demeester (director)
- Director appointment, Niko Demeester (independent director)
- Director reappointment, Yves Goldstein (director)
- Director appointment, Yves Goldstein (niet uitvoerend bestuurder)
- Director reappointment, Marc Monbaliu (director)
- Director appointment, Marc Monbaliu (niet uitvoerend bestuurder)
- Director reappointment, George Stienlet (director)
- +18 further facts in this act
22-11
State Gazette act
Statutes amendmentName change3 facts ▸
- General meeting, 29/10/2013
- Name change, Credimundi
- Statutes amendment
17-05
State Gazette act
Capital & sharesCapital decrease · Capital · Statutes amendment4 facts ▸
- General meeting, 06/05/2013
- Capital decrease, €36.600.000
- Capital, €113.400.000
- Statutes amendment
13-07
State Gazette act
Appointment: Marc Monbaliu (director)Reappointments: Jean-Pierre Pauwels, Julien Compère and 7 others11 facts ▸
- General meeting, 08/12/2010
- Director appointment, Marc Monbaliu (director)
- Director reappointment, Jean-Pierre Pauwels (director)
- Director reappointment, Julien Compère (director)
- Director reappointment, Karin Deesen (director)
- Director reappointment, Niko Demeester (director)
- Director reappointment, Yves Goldstein (director)
- Director reappointment, Walter Stevens (director)
- Director reappointment, Georges Stienlet (director)
- Director reappointment, Dirk Terweduwe (director)
- Director reappointment, Baudouin Velge (director)
13-07
State Gazette act
Resignation: Walter Stevens (director)Appointments: Filip Abraham (director) and PriceWaterhouseCoopers (statutory auditor) · Permanent representative: Roland Jeanquart5 facts ▸
- General meeting, 05/04/2011
- Director resignation, Walter Stevens (director)
- Director appointment, Filip Abraham (director)
- Auditor appointment, PriceWaterhouseCoopers (statutory auditor)
- Permanent representative, Roland Jeanquart (representative)
24-11
State Gazette act
Resignation: Ahmed Laaouej (director)Appointment: Yves Goldstein (director)3 facts ▸
- General meeting, 28/09/2010
- Director resignation, Ahmed Laaouej (director)
- Director appointment, Yves Goldstein (director)
13-10
State Gazette act
Resignation: Yves Windelincx (director)Appointments: Dirk Terweduwe (director) and Karin Deesen (director)5 facts ▸
- General meeting, 20/04/2010
- Director resignation, Yves Windelincx (director)
- Director resignation, Yves Windelincx (member of the executive committee)
- Director appointment, Dirk Terweduwe (director)
- Director appointment, Karin Deesen (director)
13-10
State Gazette act
Appointment: Stefaan Van Boxstael (director)2 facts ▸
- General meeting, 28/07/2010
- Director appointment, Stefaan Van Boxstael (director)
13-10
State Gazette act
Appointment: Dirk Terweduwe (directeur generaal)2 facts ▸
- Board meeting, 28/07/2010
- Director appointment, Dirk Terweduwe (directeur generaal)
16-09
State Gazette act
Reappointments: Jean-Pierre Pauwels, Walter Stevens and 8 othersResignation: Arnoldi (director)12 facts ▸
- General meeting, 20 april 2010
- Director reappointment, Jean-Pierre Pauwels (director)
- Director reappointment, Walter Stevens (director)
- Director reappointment, Niko Demeester (director)
- Director reappointment, Georges Stienlet (director)
- Director reappointment, Julien Compère (director)
- Director reappointment, Ahmed Laaouej (director)
- Director reappointment, Baudouin Velge (director)
- Director reappointment, Yves Windelincx (director)
- Director reappointment, Dirk Terweduwe (director)
- Director reappointment, Karin Deesen (director)
- Director resignation, Arnoldi (director)
18-08
State Gazette act
Resignations: VEN Caroline, DELCOMMINETTE Pascale and 12 othersAppointments: STEVENS Walter, DEMEESTER Niko and 4 others21 facts ▸
- General meeting, 14/04/2009
- Director resignation, VEN Caroline (director)
- Director resignation, DELCOMMINETTE Pascale (director)
- Director resignation, FLAGOTHIER Silvana (director)
- Director resignation, L'HOOST Fabienne (director)
- Director resignation, WESTHOF Jean-Jacques (director)
- Director resignation, VAN DAELE Daniel (director)
- Director resignation, BRUYNINCKX Hans (director)
- Director resignation, VERJUS Lambert (director)
- Director resignation, VAN der STICHELE Michel (director)
- Director resignation, CUYVERS Ludo (director)
- Director resignation, DE CORT Bernard (director)
- +9 further facts in this act
30-03
State Gazette act
Appointment: PriceWaterhouseCoopers (statutory auditor)2 facts ▸
- General meeting, 08/04/2008
- Auditor appointment, PriceWaterhouseCoopers (statutory auditor)
16-06
State Gazette act
Resignation: VAN HAUTE Patrick (director)2 facts ▸
- General meeting, 08/04/2008
- Director resignation, VAN HAUTE Patrick (director)
Directors · office · real estate
6 other directors
Not every act has been read: a resignation may be missing here
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.
Montoyerstraat 31000 Brussel1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0466/00F000 | Brussels | 1,685 m² | 1 · 787 m² | 33.4 m · 10 fl. |
Linked by address, not proof of ownership
Statutory auditor
1 auditor| KPMG Bedrijfsrevisoren BVCurrent Statutory auditor · represented by Jean-François Kupper | 21-12-2023 → present |
Show 8 earlier auditors
| KPMG Bedrijfsrevisoren Burg. CVBA Statutory auditor · represented by Kenneth Vermeire succeeded by KPMG Bedrijfsrevisoren CVBA in 2020 | 11-08-2017 → 24-08-2020 |
| KPMG Bedrijfsrevisoren CVBA Statutory auditor · represented by Jean-François Kupper succeeded by KPMG Bedrijfsrevisoren BV in 2023 | 24-08-2020 → 21-12-2023 |
| KPMG Réviseurs d'Entreprises SCRL Statutory auditor · represented by Jean-François Kupper succeeded by KPMG Bedrijfsrevisoren BV in 2023 | 24-08-2020 → 21-12-2023 |
| KPMG Réviseurs d'Entreprises SCRL civile Statutory auditor · represented by Kenneth Vermeire succeeded by KPMG Bedrijfsrevisoren CVBA in 2020 | 11-08-2017 → 24-08-2020 |
| PricewaterhouseCoopers Statutory auditor · represented by Roland Jeanquart succeeded by PwC Reviseurs d'Entreprises in 2011 | 30-03-2009 → 13-07-2011 |
| PWC Bedrijfsrevisoren BCVBA Statutory auditor · represented by Kurt Cappoen succeeded by KPMG Bedrijfsrevisoren Burg. CVBA in 2017 | 19-08-2014 → 11-08-2017 |
| PwC Reviseurs d'Entreprises Statutory auditor · represented by Roland Jeanquart succeeded by PWC Bedrijfsrevisoren BCVBA in 2014 | 13-07-2011 → 19-08-2014 |
| SCCRL PwC Réviseurs d'Entreprises Statutory auditor · represented by Kurt Cappoen succeeded by KPMG Bedrijfsrevisoren Burg. CVBA in 2017 | 19-08-2014 → 11-08-2017 |
Articles of association
Full purpose
De vennootschap heeft tot voorwerp, zowel in België als in het buitenland, alle activiteiten van verzekering, medeverzekering en herverzekering van schuldvorderingen tegen commerciële of politieke risico's te verrichten...
Structure & network
Connections & network
47 connected companiesShow 43 more companies with a shared director
Ownership & control
1 parent companyAcquisitions and mergers
1 transactionGroup per the LEI register
1 branchCapital and shareholders
- 30-06-2026 Capital increase of 12,036,627.96 EUR · to 135,885,307.73 EUR · from reserves
- 30-06-2026 Capital increase of 3,991,623 EUR · to 139,876,930.73 EUR · from reserves
- 30-06-2026 Capital increase of 50,147.13 EUR · to 139,927,077.86 EUR · from reserves
- 30-06-2026 Capital increase of 11,412,276 EUR · to 151,339,353.86 EUR · from reserves
- 30-06-2026 Capital increase of 9,800,356.60 EUR · to 161,139,710.46 EUR · from reserves
- 14-05-2025 Capital increase of 20,448,679.77 EUR · to 133,848,679.77 EUR
- 14-05-2025 Capital reduction of 10,000,000 EUR · to 123,848,679.77 EUR · repaid to the shareholders
- 06-12-2024 Capital reduction of 10,000,000 EUR · “om het in overeenstemming te brengen met de solvabiliteitskapitaalvereisten”
Show 4 older capital entries
- 31-03-2021 Capital stated in the act · 113,400,000 EUR · 150,000 shares
- 31-03-2021 Capital stated in the act · 113,400,000 EUR · 150 shares
- 25-01-2017 Capital stated in the act · 113,400,000 EUR · 150,000 shares
- 17-05-2013 Capital reduction of 36,600,000 EUR · to 113,400,000 EUR · repaid to the shareholders
Recognitions · licences · registrations
Legal Entity Identifier
Similar companies · same sector and region
Company data · Crossroads Bank
Scores and ratios are computed by Checked and are not a credit decision.