Summary
BUILDING 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 €7.1m and a net result of €155,816. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 11% of 2409 sector peers (fiscal year 2025). The company has been active since 1929 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 2409 sector peers (2025).
NBB · sector comparisonPosition among 2409 sector peers
Solvency
better than 11%
← 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 11-03-2026, 142 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
142 d early
2024
143 d early
2023
118 d early
2022
138 d early
2021
136 d early
2020
135 d early
2019
134 d 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 135 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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 monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#2 oldest company in Charleroi, Finance and insurance sector#7 company by total assets in Charleroi, Finance and insurance sector#9 company by equity in Charleroi, Finance and insurance sector
Equity
€7.1m▲ 1.2%
2024 · €7.0m
Net result
€155,816▼ 15.9%
2024 · €185,318
Total assets
€77.5m▲ 1.2%
2024 · €76.6m
Solvency
9.1%=
2024 · 9.1%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€1.2m▼ 2.4%€1.1m▼ 4.1%€1.7m▲ 55.2%€1.7m▼ 4.2%€1.7m▲ 0.5%
Operating result€142,557▲ 31.6%€303,542▲ 113%€102,415▼ 66.3%€199,366▲ 94.7%€179,110▼ 10.2%
Net result€120,878▲ 41.0%€282,831▲ 134%€77,211▼ 72.7%€185,318▲ 140%€155,816▼ 15.9%
Equity€2.6m▲ 2.6%€2.8m▲ 8.8%€6.9m▲ 144%€7.0m▲ 1.6%€7.1m▲ 1.2%
Total assets€52.2m▼ 0.3%€53.2m▲ 2.0%€78.8m▲ 48.2%€76.6m▼ 2.9%€77.5m▲ 1.2%
Debt€49.6m▼ 0.4%€50.4m▲ 1.6%€71.9m▲ 42.8%€69.6m▼ 3.3%€70.4m▲ 1.2%
Working capital€49.0m=€50.1m▲ 2.2%€74.6m▲ 49.0%€72.5m▼ 2.8%€73.1m▲ 0.8%
Solvency5.0%▲ 0.1pp5.3%▲ 0.3pp8.7%▲ 3.4pp9.1%▲ 0.4pp9.1%=
Staff (FTE)2=2=3▲ 50.0%3=3=
Why a figure moved sharply
- 2024 Net result +140% on 2023. Cause not known from the registers.
- 2023 Turnover +55%, Net result -73%, Equity +144% on 2022. Cause not known from the registers.
- 2022 Net result +134% on 2021. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77.5m
Fixed assets
€97,808 ▲ 22.7%
Current assets
€77.4m ▲ 1.2%
Equity and liabilities €77.5m
Equity
€7.1m ▲ 1.2%
Debt
€70.4m ▲ 1.2%
Debt's share of the balance-sheet total stays at 90.9%.
Key figures and ratios
ROE
2.2%▼
2024 · 2.6%
ROA
0.2%▼
2024 · 0.2%
Debt ≤ 1 year
€4.3m▲
2024 · €3.9m
Debt > 1 year
€66.1m▲
2024 · €65.6m
Income taxes
€26,023▲
2024 · €15,759
Staff costs
€279,499▼
2024 · €288,389
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €1.4m | €2.0m | €1.9m | €1.9m | ▼ 1.2% |
| Turnover70 | €1.2m | €1.1m | €1.7m | €1.7m | €1.7m | ▲ 0.5% |
| Other operating income74 | - | €276,882 | €278,366 | €236,848 | €205,570 | ▼ 13.2% |
| Non-recurring operating income76A | - | - | - | - | €320 | - |
| Operating charges60/66A | - | €1.1m | €1.9m | €1.7m | €1.7m | ▼ 0.2% |
| Goods for resale, raw materials and consumables60 | - | €870,926 | €1.3m | €1.2m | €1.2m | ▲ 0.3% |
| Purchases600/8 | - | €870,926 | €1.3m | €1.2m | €1.2m | ▲ 0.3% |
| Services and other goods61 | - | €78,887 | €196,065 | €137,392 | €142,676 | ▲ 3.8% |
| Remuneration, social security and pensions62 | - | €158,906 | €442,481 | €288,389 | €279,499 | ▼ 3.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,299 | €7,414 | €10,068 | €9,649 | €9,647 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€34,227 | -€61,280 | €7,442 | €2,847 | ▼ 61.7% |
| Other operating charges640/8 | - | €2,129 | €4,489 | €4,085 | €5,178 | ▲ 26.8% |
| Non-recurring operating charges66A | - | - | €947 | - | - | - |
| Operating profit (loss)9901 | €142,557 | €303,542 | €102,415 | €199,366 | €179,110 | ▼ 10.2% |
| Financial income75/76B | - | - | €454 | €3,348 | €4,949 | ▲ 47.8% |
| Recurring financial income75 | - | - | €454 | €3,348 | €4,949 | ▲ 47.8% |
| Income from current assets751 | - | - | €454 | €3,348 | €4,949 | ▲ 47.8% |
| Financial charges65/66B | - | €1,747 | €3,354 | €1,637 | €2,220 | ▲ 35.6% |
| Recurring financial charges65 | €1,911 | €1,747 | €3,354 | €1,637 | €2,220 | ▲ 35.6% |
| Debt charges650 | €1,346 | €1,182 | €3,354 | €1,637 | €2,220 | ▲ 35.6% |
| Other financial charges652/9 | - | €565 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €140,646 | €301,795 | €99,515 | €201,077 | €181,839 | ▼ 9.6% |
| Income taxes67/77 | €19,768 | €18,964 | €22,304 | €15,759 | €26,023 | ▲ 65.1% |
| Taxes670/3 | - | €27,691 | €22,304 | €15,759 | €26,023 | ▲ 65.1% |
| Tax adjustments and reversals of tax provisions77 | - | €8,727 | - | - | - | - |
| Profit (loss) for the period9904 | €120,878 | €282,831 | €77,211 | €185,318 | €155,816 | ▼ 15.9% |
| Profit (loss) for the period to be appropriated9905 | €120,878 | €282,831 | €77,211 | €185,318 | €155,816 | ▼ 15.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €52.2m | €53.2m | €78.8m | €76.6m | €77.5m | ▲ 1.2% |
| Fixed assets21/28 | €39,678 | €35,709 | €73,417 | €79,725 | €97,808 | ▲ 22.7% |
| Tangible fixed assets22/27 | €39,678 | €35,709 | €72,659 | €78,967 | €97,808 | ▲ 23.9% |
| Land and buildings22 | - | €30,921 | €46,256 | €43,760 | €37,928 | ▼ 13.3% |
| Furniture and vehicles24 | - | €4,788 | €6,403 | €3,107 | €5,513 | ▲ 77.4% |
| Assets under construction and advance payments27 | - | - | €20,000 | €32,100 | €54,367 | ▲ 69.4% |
| Financial fixed assets28 | - | - | €758 | €758 | €0 | ▼ 100% |
| Other financial fixed assets284/8 | - | - | €758 | €758 | €0 | ▼ 100% |
| Amounts receivable and cash guarantees285/8 | - | - | €758 | €758 | €0 | ▼ 100% |
| Current assets29/58 | €52.1m | €53.2m | €78.7m | €76.5m | €77.4m | ▲ 1.2% |
| Amounts receivable after more than one year29 | - | €48.7m | €71.9m | €70.2m | €70.6m | ▲ 0.6% |
| Trade receivables290 | - | €48.7m | €71.9m | €70.2m | €70.6m | ▲ 0.6% |
| Amounts receivable within one year40/41 | €3.0m | €3.0m | €3.7m | €3.7m | €3.8m | ▲ 2.4% |
| Trade receivables40 | - | €2.4m | €3.7m | €3.7m | €3.8m | ▲ 2.9% |
| Other amounts receivable41 | - | €506,646 | €34,206 | €52,189 | €34,284 | ▼ 34.3% |
| Cash at bank and in hand54/58 | €1.3m | €1.5m | €3.1m | €2.5m | €2.9m | ▲ 17.5% |
| Deferred charges and accrued income490/1 | - | €21,054 | €31,324 | €24,786 | €23,479 | ▼ 5.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €52.2m | €53.2m | €78.8m | €76.6m | €77.5m | ▲ 1.2% |
| Equity10/15 | €2.6m | €2.8m | €6.9m | €7.0m | €7.1m | ▲ 1.2% |
| Contributions10/11 | €763,649 | €763,649 | €1.2m | €1.2m | €1.2m | = |
| Capital10 | - | €763,649 | €1.1m | €1.1m | €1.1m | = |
| Issued capital100 | - | €763,649 | €1.2m | €1.2m | €1.2m | = |
| Uncalled capital101 | - | - | €96,373 | €96,373 | €96,373 | = |
| Outside capital11 | - | - | €145,790 | €145,790 | €145,790 | = |
| Share premium1100/10 | - | - | €145,790 | €145,790 | €145,790 | = |
| Revaluation surpluses12 | - | €74,368 | €74,368 | €18,592 | €16,361 | ▼ 12.0% |
| Reserves13 | €1.8m | €2.0m | €5.6m | €5.8m | €5.9m | ▲ 1.4% |
| Non-distributable reserves130/1 | - | €80,555 | €360,273 | €360,273 | €360,273 | = |
| Legal reserve130 | - | €80,555 | €144,484 | €144,484 | €144,484 | = |
| Other1319 | - | - | €215,789 | €215,789 | €215,789 | = |
| Tax-exempt reserves132 | - | - | €308,274 | €308,274 | €308,274 | = |
| Distributable reserves133 | - | €1.9m | €4.9m | €5.1m | €5.2m | ▲ 1.6% |
| Amounts payable17/49 | €49.6m | €50.4m | €71.9m | €69.6m | €70.4m | ▲ 1.2% |
| Amounts payable after more than one year17 | €46.4m | €47.2m | €67.7m | €65.6m | €66.1m | ▲ 0.8% |
| Financial debts170/4 | - | €47.1m | €67.6m | €65.5m | €66.0m | ▲ 0.8% |
| Credit institutions173 | - | €47.1m | €67.6m | €65.5m | €66.0m | ▲ 0.8% |
| Other amounts payable178/9 | - | €112,074 | €112,074 | €112,074 | €112,074 | = |
| Amounts payable within one year42/48 | €3.2m | €3.1m | €4.1m | €3.9m | €4.3m | ▲ 8.0% |
| Current portion of amounts payable after more than one year42 | - | €2.3m | €3.2m | €3.1m | €3.2m | ▲ 3.2% |
| Trade debts44 | €13,181 | €7,225 | €30,674 | €13,468 | €13,828 | ▲ 2.7% |
| Suppliers440/4 | - | €7,225 | €30,674 | €13,468 | €13,828 | ▲ 2.7% |
| Taxes, remuneration and social security45 | - | €53,617 | €47,718 | €70,430 | €57,418 | ▼ 18.5% |
| Taxes450/3 | - | €32,251 | €22,824 | €19,658 | €26,050 | ▲ 32.5% |
| Remuneration and social security454/9 | - | €21,366 | €24,894 | €50,772 | €31,368 | ▼ 38.2% |
| Other amounts payable47/48 | - | €720,454 | €833,804 | €765,347 | €993,516 | ▲ 29.8% |
| Accrued charges and deferred income492/3 | - | €17,982 | €37,041 | €39,242 | €28,205 | ▼ 28.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €120,878 | €282,831 | €77,211 | €185,318 | €155,816 | ▼ 15.9% |
| + Depreciation and write-downs630 | €7,299 | €7,414 | €10,068 | €9,649 | €9,647 | = |
| Operating cash flow (approximation) | €128,177 | €290,245 | €87,279 | €194,967 | €165,463 | ▼ 15.1% |
| Investment in fixed assets (approximation) | - | -€3,445 | -€47,776 | -€15,957 | -€27,730 | ▼ 73.8% |
| Change in cash | - | €216,043 | €1.6m | -€625,029 | €438,662 | ▲ 170% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-03
State Gazette act
Appointments: SAUVEGARDE Françoise, TOUSSAINT Luc and 5 othersReappointments: THIRY Pierre (director) and MÉVISSE Pierre (director) · Permanent representative: MIESSE Pascal11 facts ▸
State Gazette act
Appointments: SAUVEGARDE Françoise, TOUSSAINT Luc and 5 others
Reappointments: THIRY Pierre (director) and MÉVISSE Pierre (director) · Permanent representative: MIESSE Pascal11 facts ▸
- General meeting, 08/03/2026
- Director appointment, SAUVEGARDE Françoise (director)
- Director reappointment, THIRY Pierre (director)
- Director appointment, TOUSSAINT Luc (director)
- Director appointment, GUEUR Bauduin (director)
- Director appointment, LUSIAUX Annie (director)
- Director appointment, NOERENS Michel (director)
- Director appointment, BRANCART Francis (director)
- Director reappointment, MÉVISSE Pierre (director)
- Auditor appointment, CLC (commissaire réviseur)
- Permanent representative, MIESSE Pascal
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €5mEq €6.9m ▲144%
6 profitable years in a row build equity to €6.9m.
15-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €282,831 ▲134%
Operating result €303,542, net result €282,831, both a record.
17-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
19-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
14-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 24 acts read
About the unread acts
Of the 24 Belgian State Gazette acts we know for this company, 1 has been read. The other 23 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
8 directors, last change in 2026
Board 8
Mevisse Pierre
CurrentDirector · since 08-03-2026
Pierre THIRY
CurrentDirector · since 08-03-2026
BRANCART Francis
CurrentDirector · since 25-03-2026 · from a recent act
GUEUR Bauduin
CurrentDirector · since 25-03-2026 · from a recent act
LUSIAUX Annie
CurrentDirector · since 25-03-2026 · from a recent act
NOERENS Michel
CurrentDirector · since 25-03-2026 · from a recent act
SAUVEGARDE Françoise
CurrentDirector · since 25-03-2026 · from a recent act
TOUSSAINT Luc
CurrentDirector · since 25-03-2026 · from a recent act
Statutory auditor 1
CLC
CurrentCommissaire réviseur · since 25-03-2026
"From a recent act": read from a Gazette act not yet processed into our list of directors.
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
23 of this company's 24 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 1929
Ground area
635 m²
Building footprint
111 m²
Volume, LiDAR
1,283 m³
Parcel 52034C0238/00V000, Wallonia · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Building
since 19292.235.472.193
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034C0238/00V000 | Wallonia | 635 m² | 1 · 111 m² | 13.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
9 people since 2026, 9 in office
- Board
- Statutory auditor
- began earlier
| Name | Functions and periods |
|---|---|
| Mevisse Pierre |
|
| Pierre THIRY |
|
| BRANCART Francisfrom an act |
|
| GUEUR Bauduinfrom an act |
|
| LUSIAUX Anniefrom an act |
|
| NOERENS Michelfrom an act |
|
| SAUVEGARDE Françoisefrom an act |
|
| TOUSSAINT Lucfrom an act |
|
| CLC |
|
Structure & network
Connections & network
2 connected companiesThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
Centre d'Informatique du Hainaut
via Pierre THIRY · Director
former→
COGENGREEN
Shared director
→
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Of 93 companies in sector 64922 we hold annual accounts for 75. 38 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded21-04-1929
Fiscal year end31-12
Activities, NACEBEL 2025
64922Financial service activities, except insurance and pension funding
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
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Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
9 convocationsOrdinary general meeting
Agenda
- Présentation des comptes annuels. - Rapport du CA. - Rapport du commissaire-réviseur. - Approbation des comptes annuels. - Affectation du résultat. - Décharge aux administrateurs et commissaire-réviseur. - Nominations et démissions. - Approbation du PV de l’AG.
Ordinary general meeting
Agenda
- Présentation des comptes annuels. - Rapport du CA. - Rapport du commissaire-réviseur. - Approbation des comptes annuels. - Affectation du résultat. - Décharge aux administrateurs et commissaire-réviseur. - Nominations et démissions. - Approbation du PV de l’AG. - Divers.
Ordinary general meeting
Agenda
- Présentation des comptes annuels. - Rapport du CA. - Rapport du commissaire-réviseur. - Approbation des comptes annuels. - Affectation du résultat. - Décharge aux administrateurs et commissaire-réviseur. - Nominations et démissions. - Approbation du PV de l’AG. - Divers.
Ordinary general meeting
Agenda
- Rapport du CA. - Rapport du commissaire-réviseur. - Approbation des comptes annuels. - Affectation du résultat. - Décharge aux administrateurs et commissaire-réviseur. - Nominations. - Approbation du PV de l’AG. - Divers.
Ordinary general meeting
Agenda
Rapport du CA. Rapport du commissaire-réviseur. Approbation des comptes annuels. Affectation du résultat. Décharge aux administrateurs et commissaire-réviseur. Nominations. Approbation du PV de l’AG. Divers.
Show 4 more convocations
Ordinary general meeting
Agenda
- Rapport du CA. - Rapport du commissaire-réviseur. - Approbation des comptes annuels. - Affectation du résultat. - Décharge aux administrateurs et commissaire-réviseur. - Nominations. - Approbation du PV de l’AG. - Divers.
Ordinary general meeting
Agenda
- Rapport du CA. - Rapport du commissaire-réviseur. - Approbation des comptes annuels. - Affectation du résultat. - Décharge aux administrateurs et commissaire-réviseur. - Nominations. - Approbation du PV de l’AG. - Divers.
Ordinary general meeting
Agenda
- Rapport du CA. - Rapport du commissaire-réviseur. - Approbation des comptes annuels. - Affectation du résultat. - Décharge aux administrateurs et commissaire-réviseur. - Nominations. - Approbation du PV de l’AG. - Divers.
Ordinary general meeting
Agenda
rapport du CA. rapport du commissaire-réviseur. approbation des comptes annuels. affectation du résultat. décharge aux administrateurs et commissaire-réviseur. nominations. approbation du PV de l’AG. divers.