Company profile
Compañia Calificadora de Riesgos Financieros Credifinsa S.A.
RUC 0992995777001 · Guayaquil, Guayas
Registry data
- RUC
- 0992995777001
- Legal name
- COMPAÑIA CALIFICADORA DE RIESGOS FINANCIEROS CREDIFINSA S.A.
- Trade name
- CREDIFINSA
- Company type
- Stock corporation (S.A.)
- Size segment (SCVS)
- Small · 2025
- Incorporation date
- October 17, 2016
- Start of activities (SRI)
- October 17, 2016
- Subscribed capital
- $300,000
- Economic activity
- Sale of new and used vehicles: passenger vehicles, including specialized vehicles such as ambulances and minibuses; lorries, trailers and semi-trailers; camping vehicles such as caravans and motor homes; off-road vehicles (jeeps, etc.), including wholesale and retail sale by commission agents
- ISIC code
- G4510.01
- Last year with filed statements
- 2025
- Address
- Av. Francisco de Orellana Solar 9, Mz-42
- Location
- Guayaquil, Guayas
- Region
- Costa
- Phone
- 046016007
Financial statements
- Current ratio
- 0.62
- Debt ratio
- 81.9%
- Net margin
- −24.8%
- Return on equity (ROE)
- −20.7%
- Revenue vs 2024
- −16.0%
The income statement · 2025
- Revenue $219,234
- Expenses $273,582
- Net result −$54,348
Balance sheet structure · 2025
What it owns
- Current assets $731,178 50%
- Non-current assets $720,626 50%
How it is financed
- Current liabilities $1,185,180 82%
- Non-current liabilities $3,799 0%
- Equity $262,825 18%
“Current” means within one year: what can be turned into cash, or what has to be paid, in that span.
| Year | Revenue | Net result | Assets | Equity | Employees |
|---|---|---|---|---|---|
| 2025 | $219,234 | −$54,348 | $1,451,804 | $262,825 | 27 |
| 2024 | $261,023 | $0 | $1,250,213 | $91,980 | 4 |
| 2023 | $501,411 | −$481 | $1,531,440 | $91,980 | 29 |
| 2022 | $523,928 | $0 | $1,454,905 | $92,460 | 37 |
| 2021 | $354,986 | −$42,712 | $1,230,586 | $92,460 | 30 |
| 2020 | $872,287 | $147,352 | $994,117 | $182,524 | 23 |
| 2019 | $116,558 | $0 | $382,301 | $800 | 12 |
| 2018 | $79,231 | $0 | $125,674 | $800 | 13 |
| 2017 | $16,194 | $0 | $5,658 | $800 | 6 |
| 2016 | $0 | $0 | $2,617 | $800 | 2 |
In 2025 it recorded revenue of $219,234 and a net result of −$54,348, a margin of −24.8%.
Its 2025 revenue exceeds that of 64.3% of the 95,463 companies in the country that recorded sales that year. In Guayas, it exceeds 62.9% of the 34,598 on record.
Within its activity (ISIC code G4510.01, 498 companies with sales), its revenue exceeds that of 46.0%; the trade’s typical margin was 1.0%.
Values in US dollars, as filed with the Superintendencia de Compañías, Ecuador’s corporate regulator.
Tax status (SRI)
updated September 5, 2026- Phantom taxpayer: No
- Nonexistent transactions: No
- Tax regime
- General regime The set of rules under which it files its taxes
- Required to keep accounting books
- No
- Withholding agent
- Yes When paying third parties, it withholds taxes and remits them to the SRI
- Special taxpayer
- No Designated by the SRI for its size, with additional filing obligations
- Start of activities
- October 17, 2016
Establishments · 6 registered, 2 open
- HEAD OFFICE Guayas / Guayaquil / Guayaquil / Av Fco de Orellana Solar 9 y MZ 225 Open
- Guayas / Guayaquil / Tarqui / Av. Fco de Orellana Solar 9 y MZ 225 Open
- Guayas / Guayaquil / Tarqui / Miguel Angel Jijon Solar 23 y Av. Guillermo Pareja Closed
- Guayas / Guayaquil / Tarqui / Acuarela del Rio Sl17 - 18 y MZ. 1164 Closed
- Guayas / Duran / Eloy Alfaro (Duran) / Lot San Enrique Local 1 y MZ e Closed
- Pichincha / Quito / Ponceano / Av. Real Audiencia N65210 y N16 de los Eucaliptos Closed
Tax status according to the public records of the SRI (Servicio de Rentas Internas, the national tax authority). The risk designations are the SRI’s, not a rating by this site: phantom taxpayer means the SRI considers the company to have no real activity at its declared address, and nonexistent transactions means it invoiced operations the SRI determined never took place.
Where it operates
It has 2 open establishments in Guayas, plus 4 closed.
Azuay: no dataBolívar: no dataCarchi: no dataCañar: no dataChimborazo: no dataCotopaxi: no dataEl Oro: no dataEsmeraldas: no dataGalápagos: no dataGuayas: 2 companiesImbabura: no dataLoja: no dataLos Ríos: no dataManabí: no dataMorona Santiago: no dataNapo: no dataOrellana: no dataPastaza: no dataPichincha: 0 companiesSanta Elena: no dataSanto Domingo de los Tsáchilas: no dataSucumbíos: no dataTungurahua: no dataZamora Chinchipe: no data Point at or tap a province to see its figure
Provinces with a presence
- Guayas head office 2 locations
Establishments declared to the SRI (Servicio de Rentas Internas, the national tax authority), updated September 5, 2026. The location is the province and canton on record, not each site’s exact address.
Activity classification (ISIC)
- Wholesale and retail trade; repair of motor vehicles and motorcycles
- Wholesale and retail trade and repair of motor vehicles and motorcycles
- Sale of motor vehicles
- Sale of motor vehicles
- Sale of new and used vehicles: passenger vehicles, including specialized vehicles such as ambulances and minibuses; lorries, trailers and semi-trailers; camping vehicles such as caravans and motor homes; off-road vehicles (jeeps, etc.), including wholesale and retail sale by commission agents
Frequently asked questions
What is the RUC of Compañia Calificadora de Riesgos Financieros Credifinsa S.A.?
The RUC (taxpayer registration number) of COMPAÑIA CALIFICADORA DE RIESGOS FINANCIEROS CREDIFINSA S.A. is 0992995777001, according to Ecuador’s public corporate registry.
Is Compañia Calificadora de Riesgos Financieros Credifinsa S.A. active?
Yes. Its legal status in the registry is Activa.
What trade name does Compañia Calificadora de Riesgos Financieros Credifinsa S.A. use?
It operates under the trade name CREDIFINSA, according to the SRI’s RUC registry.
What does Compañia Calificadora de Riesgos Financieros Credifinsa S.A. do?
Its registered economic activity (ISIC G4510.01) is: Sale of new and used vehicles: passenger vehicles, including specialized vehicles such as ambulances and minibuses; lorries, trailers and semi-trailers; camping vehicles such as caravans and motor homes; off-road vehicles (jeeps, etc.), including wholesale and retail sale by commission agents
Where is Compañia Calificadora de Riesgos Financieros Credifinsa S.A. located?
Its registered address is in Guayaquil, province of Guayas, Ecuador.
When was Compañia Calificadora de Riesgos Financieros Credifinsa S.A. incorporated?
It was incorporated on October 17, 2016, as a stock corporation (s.a.).
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Corporate information from official public records of Ecuador · where this data comes from