Financials
- Financial year
- 2025
- Turnover
- €780.1m
- Profit
- €56.2m
- Solvency
- 0.8%
Turnover▲ 13.9%
Net result
20182025
Summary
ALPHA CREDIT 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 €94.9m and a net result of €56.2m. Equity remains stable across the filed financial years (±0.6% per year). Its solvency ranks better than 5% of 2,986 sector peers (NACE 64, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Financial service activities, except insurance and pension funding
NACE 64921
Largest employer in Brussels, Finance and insurance sector1 site
Size
€780.1mturnover 2025
- Staff
- 455 FTE
- Equity
- €94.9m
- Profit
- €56.2m
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Parent
- BNP Paribas Fortis SA
- Board
- 8 members
- Holdings
- 2
Auditor: Deloitte BelgiumAccounts 85 days early
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2986 sector peers (2025).
NBB · sector comparisonPosition among 2986 sector peers
Solvency
better than 5%
← 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 07-05-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 days early
2024
72 days early
2023
77 days early
2022
75 days early
2021
80 days early
2020
96 days early
2019
78 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 80 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
17-10-2026 today31-12-2026 year end31-07-2027 deadline
- Resignations: Philippe Bézieau (ceo en lid…Appointment: Gaëtan Vercruysse (ceo en…
- Annual accounts filedfinancial year 2025 · full…
- Resignations & appointmentsPower of attorney
Key points
- Caution: Among the weakest 6% on solvencysector median 61.3% · 2,986 companies 0.8% View
- Positive: 5 years of growth in a rowturnover 2025: €780.1m 5 years View
- Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
- Controlled by BNP Paribas Fortis SAthe company in turn controls 1 companies parent View
- Directors leftlatest change 11-08-2026 · 8 in office 2 left View
- Positive: Result rose in 2025from €42.6m to €56.2m ▲ 31.8% View
By topic
Board & ownership
- Board
- 8 members
- Parent
- BNP Paribas Fortis SA
- Auditor
- Deloitte Belgium
- Gaetan VercruysseCEO
- Edwin KLAPSDirector
- Daniel De ClercqDirector
- Jany GeromettaDirector
- Gilles Warnier de WaillyDirector
and 3 other directors
Network & group
- Subsidiaries
- 1
- Holdings
- 2
- Connected companies
- 9
- Mergers and asset contributions
- 3
2 holdings
Timeline
- Events
- 75
- Since
- 1993
- Next accounts
- by 31-07-2027
- 26-08-2025Reappointments: Marleen Teunen (director) and Daniel De…
- 03-07-2025Appointments: Gilles Zeitoun, Bart Ballon and Gaétan…
- 20-05-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Financial service activities, except insurance and pension fundingNACE 64921
- Founded
- 28-11-1991
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 2
- Who signs
- Two directors jointly
- Purpose
- “De vennootschap heeft tot voorwerp alle activiteiten die verband houden met…” (deed in Dutch)
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed
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