CREDE

Active

Public limited companyfounded 197848 yrs activeBoulevard Fulgence Masson 5, 7000 Mons, BelgiumKBO/BCE: BE 0418.671.497

Summary

CREDE has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.5m and a net result of €222,182. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 88% of 9341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysis Watch Report Compare

CREDEActiveChecked score 86/100

Risk analysis Report Compare

Checked score

Score 2025

86 / 100

Excellent

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability72=

Solvency100=

Growth78=

Track record100

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €550,000 at 30 days acceptable

Liquidity ample (current ratio 20.02 against 17.81 in 2024; short-term debt: 1.7% and cash: 13.8% of total assets), and 14.6% of the assets are financed with debt.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 68

Relative position

BE, all sectors

reference

Real estate activities (NACE 68)

about 43% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

85.4%

Return on assets

2.9%

Age of the figures

9 mo

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

29 d early

2024

17 d early

2023

27 d early

2022

4 d late

2021

39 d late

2020

3 d late

2019

185 d late

← 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 23 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 14 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

29-09-2026 today31-12-2026 close31-07-2027 deadline

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

History

CREDE was incorporated on 1 June 1978.¹ The registered office was moved to Mons in 2011.² Since 2016 the company has been called CREDE.³ The board currently has 21 members; Jacques DELMOITIEZ has served longest, since 2016.⁴ Total assets went from EUR 8.4 million in 2018 to EUR 7.6 million in 2025.⁵

Go further with this company

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Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

In the rankings #2 oldest company in Mons, Real estate sector #8 company by equity in Mons, Real estate sector

Equity

€6.5m▲ 3.5%

2024 · €6.3m

Total assets

€7.6m▲ 1.3%

2024 · €7.5m

Net result

€222,182▲ 6.9%

2024 · €207,801

Working capital

€2.5m▲ 14.7%

2024 · €2.1m

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before

favourable unfavourable

Line20212022202320242025

Operating result-€168,311€62,196€221,749▲ 257%€241,579▲ 8.9%€252,978▲ 4.7%

Net result-€214,762€22,440€184,824▲ 724%€207,801▲ 12.4%€222,182▲ 6.9%

Equity€5.9m▼ 3.5%€5.9m▲ 0.4%€6.1m▲ 3.1%€6.3m▲ 3.4%€6.5m▲ 3.5%

Total assets€7.5m▼ 8.1%€7.4m▼ 1.3%€7.5m▲ 0.9%€7.5m▲ 1.1%€7.6m▲ 1.3%

Debt€1.6m▼ 21.8%€1.5m▼ 7.4%€1.4m▼ 8.2%€1.2m▼ 9.0%€1.1m▼ 10.0%

Working capital€1.4m▼ 2.1%€1.6m▲ 14.1%€1.8m▲ 18.0%€2.1m▲ 16.4%€2.5m▲ 14.7%

Solvency78.6%▲ 3.8pp79.9%▲ 1.3pp81.7%▲ 1.8pp83.6%▲ 1.8pp85.4%▲ 1.8pp

Current ratio12.30▲ 2.0813.49▲ 1.1915.58▲ 2.0917.81▲ 2.2320.02▲ 2.21

Return on assets (ROA)-2.9%▼ 3.2pp0.3%▲ 3.2pp2.5%▲ 2.2pp2.8%▲ 0.3pp2.9%▲ 0.2pp

above within below the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen four years in a row; 2025 is 5% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €7.6m

66.2%

33.8%

Fixed assets €5.1m ▼ 4.1%

Current assets €2.6m ▲ 13.9%

Equity and liabilities €7.6m

85.4%

14.6%

Equity €6.5m ▲ 3.5%

Debt €1.1m ▼ 10.0%

Debt's share of the balance-sheet total falls from 16.4% to 14.6%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€471,007▲

2024 · €459,608

Cash flow

€440,211▲

2024 · €425,829

Debt to equity

0.17▼

2024 · 0.20

ROE

3.4%▲

2024 · 3.3%

Interest coverage

15.29▲

2024 · 13.61

Debt ≤ 1 year

€129,163▲

2024 · €127,418

Debt > 1 year

€985,701▼

2024 · €1.1m

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,860 companies that looked in July 2024 the way this one looks now, 0.1% went bankrupt within 24 months and 98% are still going.

Medium-sized
20 years or older
solvency 30% or more
a profit under 5% of the balance sheet

0.1% went bankrupt

2.0% stopped otherwise

98% still going

For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group	Expected	Actual
1	0.2%	0.2%
2	0.3%	0.5%
3	0.5%	0.6%
4	0.7%	0.8%
5	0.9%	1.0%
6	1.3%	1.5%
7	1.6%	1.8%
8	1.8%	1.9%
9	3.0%	3.1%
10	5.6%	6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,860 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines

Balance sheet Code20242025

Assets

Total assets20/58€7.5m€7.6m▲

Fixed assets21/28€5.3m€5.1m▼

Tangible fixed assets22/27€5.3m€5.1m▼

Land and buildings22€2.5m€2.2m▼

Other tangible fixed assets26€2.8m€2.8m=

Current assets29/58€2.3m€2.6m▲

Amounts receivable within one year40/41€1.4m€1.5m▲

Trade receivables40€13,929€6,008▼

Other amounts receivable41€1.4m€1.5m▲

Cash at bank and in hand54/58€826,620€1.1m▲

Deferred charges and accrued income490/1€36-

Equity and liabilities

Total equity and liabilities10/49€7.5m€7.6m▲

Equity10/15€6.3m€6.5m▲

Contributions10/11€693,589€693,589=

Capital10€693,589€693,589=

Issued capital100€693,589€693,589=

Revaluation surpluses12€3.4m€3.4m=

Reserves13€1.8m€1.8m=

Non-distributable reserves130/1€91,619€91,619=

Legal reserve130€69,359€69,359=

Other1319€22,260€22,260=

Tax-exempt reserves132€409,266€409,266=

Distributable reserves133€1.3m€1.3m=

Profit (loss) carried forward14€336,200€558,382▲

Amounts payable17/49€1.2m€1.1m▼

Amounts payable after more than one year17€1.1m€985,701▼

Financial debts170/4€1.1m€985,701▼

Amounts payable within one year42/48€127,418€129,163▲

Current portion of amounts payable after more than one year42€124,203€125,903▲

Trade debts44€3,061€3,073▲

Suppliers440/4€3,061€3,073▲

Other amounts payable47/48€154€187▲

Income statement Code20242025

Goods, raw materials, services and sundry goods60/61€50,464€50,925▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€218,029€218,029=

Non-recurring operating charges66A€97€1▼

Gross operating margin9900€459,705€471,008▲

Operating profit (loss)9901€241,579€252,978▲

Financial charges65/66B€33,779€30,796▼

Recurring financial charges65€33,779€30,796▼

Profit (loss) for the period before taxes9903€207,801€222,182▲

Profit (loss) for the period9904€207,801€222,182▲

Profit (loss) for the period to be appropriated9905€207,801€222,182▲

Appropriation of the result

Profit (loss) to be appropriated9906€336,200€558,382▲

Profit (loss) brought forward from the previous period14P€128,400€336,200▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2021	2022	2023	2024	2025	Change
Goods, raw materials, services and sundry goods60/61	€27,383	€39,897	€51,991	€50,464	€50,925	▲ 0.9%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€227,932	€218,029	€218,029	€218,029	€218,029	=
Other operating charges640/8	€509	€571	€530	-	-	-
Non-recurring operating charges66A	€224,887	€65,000	€20	€97	€1	▼ 98.6%
Gross operating margin9900	€285,017	€345,796	€440,328	€459,705	€471,008	▲ 2.5%
Operating profit (loss)9901	-€168,311	€62,196	€221,749	€241,579	€252,978	▲ 4.7%
Financial income75/76B	-	€169	-	-	-	-
Recurring financial income75	-	€169	-	-	-	-
Non-recurring financial income76B	-	€169	-	-	-	-
Financial charges65/66B	€46,451	€39,925	€36,925	€33,779	€30,796	▼ 8.8%
Recurring financial charges65	€46,451	€39,925	€36,925	€33,779	€30,796	▼ 8.8%
Profit (loss) for the period before taxes9903	-€214,762	€22,440	€184,824	€207,801	€222,182	▲ 6.9%
Profit (loss) for the period9904	-€214,762	€22,440	€184,824	€207,801	€222,182	▲ 6.9%
Profit (loss) for the period to be appropriated9905	-€214,762	€22,440	€184,824	€207,801	€222,182	▲ 6.9%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€7.5m	€7.4m	€7.5m	€7.5m	€7.6m	▲ 1.3%
Fixed assets21/28	€6.0m	€5.7m	€5.5m	€5.3m	€5.1m	▼ 4.1%
Tangible fixed assets22/27	€6.0m	€5.7m	€5.5m	€5.3m	€5.1m	▼ 4.1%
Land and buildings22	€3.2m	€2.9m	€2.7m	€2.5m	€2.2m	▼ 8.9%
Other tangible fixed assets26	€2.8m	€2.8m	€2.8m	€2.8m	€2.8m	=
Financial fixed assets28	€0	-	-	-	-	-
Current assets29/58	€1.5m	€1.7m	€2.0m	€2.3m	€2.6m	▲ 13.9%
Amounts receivable within one year40/41	€1.1m	€1.2m	€1.3m	€1.4m	€1.5m	▲ 6.4%
Trade receivables40	-	-	-	€13,929	€6,008	▼ 56.9%
Other amounts receivable41	€1.1m	€1.2m	€1.3m	€1.4m	€1.5m	▲ 7.0%
Cash at bank and in hand54/58	€359,897	€456,048	€637,738	€826,620	€1.1m	▲ 27.1%
Deferred charges and accrued income490/1	-	-	-	€36	-	-
Equity and liabilities
Total equity and liabilities10/49	€7.5m	€7.4m	€7.5m	€7.5m	€7.6m	▲ 1.3%
Equity10/15	€5.9m	€5.9m	€6.1m	€6.3m	€6.5m	▲ 3.5%
Contributions10/11	€693,589	€693,589	€693,589	€693,589	€693,589	=
Capital10	€693,589	€693,589	€693,589	€693,589	€693,589	=
Issued capital100	€693,589	€693,589	€693,589	€693,589	€693,589	=
Revaluation surpluses12	€3.4m	€3.4m	€3.4m	€3.4m	€3.4m	=
Reserves13	€1.8m	€1.8m	€1.8m	€1.8m	€1.8m	=
Non-distributable reserves130/1	€91,619	€91,619	€91,619	€91,619	€91,619	=
Legal reserve130	€69,359	€69,359	€69,359	€69,359	€69,359	=
Other1319	€22,260	€22,260	€22,260	€22,260	€22,260	=
Tax-exempt reserves132	€409,266	€409,266	€409,266	€409,266	€409,266	=
Distributable reserves133	€1.3m	€1.3m	€1.3m	€1.3m	€1.3m	=
Profit (loss) carried forward14	-€78,864	-€56,425	€128,400	€336,200	€558,382	▲ 66.1%
Amounts payable17/49	€1.6m	€1.5m	€1.4m	€1.2m	€1.1m	▼ 10.0%
Amounts payable after more than one year17	€1.5m	€1.4m	€1.2m	€1.1m	€985,701	▼ 11.3%
Financial debts170/4	€1.5m	€1.4m	€1.2m	€1.1m	€985,701	▼ 11.3%
Amounts payable within one year42/48	€121,007	€124,839	€126,197	€127,418	€129,163	▲ 1.4%
Current portion of amounts payable after more than one year42	€119,433	€120,970	€122,521	€124,203	€125,903	▲ 1.4%
Trade debts44	€1,574	€3,869	€3,555	€3,061	€3,073	▲ 0.4%
Suppliers440/4	€1,574	€3,869	€3,555	€3,061	€3,073	▲ 0.4%
Other amounts payable47/48	-	-	€121	€154	€187	▲ 21.6%
Accrued charges and deferred income492/3	€2,179	-	-	-	-	-

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	-€214,762	€22,440	€184,824	€207,801	€222,182	▲ 6.9%
+ Depreciation and write-downs630	€227,932	€218,029	€218,029	€218,029	€218,029	=
Operating cash flow (approximation)	€13,169	€240,468	€402,853	€425,829	€440,211	▲ 3.4%
Investment in fixed assets (approximation)	-	€75,000	€0	€0	€0	-
Change in cash	-	€96,151	€181,690	€188,882	€224,010	▲ 18.6%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

All 31Financial 3Gazette 18Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-08

State Gazette act Resignations: DE DORLODOT Damien (director) and DUBOIS Philippe (director)

Appointments: D'HAENE Pierre-Henri, LEISTEDT Samuël and Deloitte24 facts ▸

General meeting, 16-06-2026
Director resignation, DE DORLODOT Damien (director)
Director resignation, DUBOIS Philippe (director)
Director appointment, D'HAENE Pierre-Henri (director)
Director appointment, LEISTEDT Samuël (director)
Board composition, BOUCHEZ Chantal (director)
Board composition, BRYSKÈRE Fabienne (director)
Board composition, CONTI Calogero (director)
Board composition, COULIE Bernard (director)
Board composition, D'HAENE Pierre-Henri (director)
Board composition, DE COSTER Patrick (director)
Board composition, DEMAL Grégory (director)
+12 further facts in this act

02-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Highest result since 2018net €222,182 ▲6.9%

Operating result €252,978, net result €222,182, both a record.

22-07

State Gazette act Resignations: DECAMPS Caroline, HOUSSIAU Frédéric and FERRARI Jean-Pierre

Appointments: DENIS Stéphane, DEMAL Grégory and 2 others26 facts ▸

General meeting, 30-06-2025
Director resignation, DECAMPS Caroline (director)
Director resignation, HOUSSIAU Frédéric (director)
Director resignation, FERRARI Jean-Pierre (director)
Director appointment, DENIS Stéphane (director)
Director appointment, DEMAL Grégory (director)
Director appointment, MACHIELS Jean-Pascal (director)
Director appointment, BOUCHEZ Chantal (director)
Board composition, BOUCHEZ Chantal (director)
Board composition, BRYSKÈRE Fabienne (director)
Board composition, CONTI Calogero (director)
Board composition, COULIE Bernard (director)
+14 further facts in this act

14-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

06-06

State Gazette act Appointments: Joëlle DE GROX (directrice générale) and Jean-Luc DEWEZ (directeur général adjoint)

Resignations: Stéphan MERCIER (directeur général) and Chantal BOUCHEZ (directrice générale adjointe)5 facts ▸

Board meeting, 20-05-2025
Director appointment, Joëlle DE GROX (directrice générale)
Director appointment, Jean-Luc DEWEZ (directeur général adjoint)
Director resignation, Stéphan MERCIER (directeur général)
Director resignation, Chantal BOUCHEZ (directrice générale adjointe)

2024

20-08

State Gazette act Resignations: BRYSKERE Fabienne, CAUDRON Anne-Sophie and 17 others

Appointments: BRYSKERE Fabienne, CONTI Calogero and 17 others43 facts ▸

General meeting, 18-06-2024
Director resignation, BRYSKERE Fabienne (director)
Director resignation, CAUDRON Anne-Sophie (director)
Director resignation, COULIE Bernard (director)
Director resignation, DE COSTER Patrick (director)
Director resignation, DEHAME Pierre (director)
Director resignation, DEHASPE Philippe (director)
Director resignation, DESCLEE de MAREDSOUS Isaline (director)
Director resignation, GRAUX Pascal (director)
Director resignation, LAVAUX David (director)
Director resignation, LE HARDY de BEAULIEU Laure (director)
Director resignation, LINKENS Isabelle (director)
+31 further facts in this act

04-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

04-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 4 days late

24-04

State Gazette act Resignation: DELMOITIEZ Jacques (director)

Reappointments: BRYSKERE Fabienne, CAUDRON Anne-Sophie and 18 others · Statutes amendment · Capital27 facts ▸

General meeting, 19-04-2023
Statutes amendment
Capital, €693.588,51
Director resignation, DELMOITIEZ Jacques (director)
Director reappointment, BRYSKERE Fabienne (director)
Director reappointment, CAUDRON Anne-Sophie (director)
Director reappointment, COULIE Bernard (director)
Director reappointment, DE COSTER Patrick (director)
Director reappointment, DEHAME Pierre (director)
Director reappointment, DEHASPE Philippe (director)
Director reappointment, DELMOITIEZ Jacques (director)
Director reappointment, DESCLEE de MAREDSOUS Isaline (director)
+15 further facts in this act

2022

31-12

Financial Back to profitnet €22,440

Net result €22,440 after one loss-making year.

08-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 39 days late

Show earlier events

02-06

State Gazette act Appointments: Fabienne Bryskère, Laure le Hardy de Beaulieu and Sigrid Willame

Power of attorney27 facts ▸

General meeting, 16-12-2021
Director appointment, Fabienne Bryskère (director)
Director appointment, Laure le Hardy de Beaulieu (director)
Director appointment, Sigrid Willame (director)
Board composition, Fabienne Bryskère (director)
Board composition, Anne-Sophie Caudron (director)
Board composition, Bernard Coulie (director)
Board composition, Patrick De Coster (director)
Board composition, Pierre Dehame (director)
Board composition, Philippe Dehaspe (director)
Board composition, Jacques Delmoitiez (director)
Board composition, Isaline Desclée de Maredsous (director)
+15 further facts in this act

2021

31-12

Financial Weakest financial yearnet -€214,762

Net result drops to -€214,762, the lowest in the series; recovery starts the following year.

04-10

State Gazette act Resignation: Pierre Brahy (director)

Appointments: Bernard Coulie, Patrick De Coster and 2 others24 facts ▸

Board meeting, 17-06-2021
General meeting, 22-06-2021
Director resignation, Pierre Brahy (director)
Board composition, Anne-Sophie Caudron (director)
Board composition, Bernard Coulie (director)
Board composition, Patrick De Coster (director)
Board composition, Pierre Dehame (director)
Board composition, Philippe Dehaspe (director)
Board composition, Jacques Delmoitiez (director)
Board composition, Isaline Desclée de Maredsous (director)
Board composition, Pascal Graux (director)
Board composition, David Lavaux (director)
+12 further facts in this act

03-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 3 days late

01-02

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 185 days late

2020

03-02

State Gazette act Resignation: Benoît Debande (director)

Power of attorney4 facts ▸

General meeting, 21-10-2019
Director resignation, Benoît Debande (director)
Board meeting, 21-10-2019
Power of attorney

2019

02-12

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 124 days late

27-02

State Gazette act Resignations: Thérèse Lebrun, Philippe Dehaspe and Jean-Marie Limpens

Appointments: Benoît Debande (director) and Bernard Mairiaux (director)6 facts ▸

General meeting, 24-10-2018
Director resignation, Thérèse Lebrun (director)
Director resignation, Philippe Dehaspe (director)
Director appointment, Benoît Debande (director)
Director appointment, Bernard Mairiaux (director)
Director resignation, Jean-Marie Limpens (managing director and director)

2018

26-10

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 87 days late

22-10

State Gazette act Reappointments: Thérèse CARDON, Jean-Marie LIMPENS and DGST & Partners SC SPRL

5 facts ▸

General meeting, 26-06-2017
Director reappointment, Thérèse CARDON (director)
Director reappointment, Jean-Marie LIMPENS (director)
Director reappointment, Jean-Marie LIMPENS (managing director)
Auditor reappointment, DGST & Partners SC SPRL

2017

29-08

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 29 days late

2016

15-07

State Gazette act Purpose · Statutes amendment · Resignations & appointments

Name change · Purpose change · Capital7 facts ▸

General meeting, 27-06-2016
Name change, CREDE
Purpose change, La société a pour objet toutes opérations généralement quelconques, commerciales, industrielles on financières, mobilières ou immobilières et notamment tous tra…
Statutes amendment
Statutes amendment
Capital, €693.588,51
Net-asset statement, 21-06-2016

12-07

State Gazette act Appointments: Pierre BRAHY (director) and Jacques DELMOITIEZ (director)

3 facts ▸

General meeting, 27-06-2016
Director appointment, Pierre BRAHY (director)
Director appointment, Jacques DELMOITIEZ (director)

2015

19-08

State Gazette act Resignation: Guy DURANT (director and chair)

Appointment: Stéphan MERCIER (director) · Power of attorney11 facts ▸

General meeting, 22-06-2015
Director resignation, Guy DURANT (director and chair)
Director appointment, Stéphan MERCIER (director)
Director appointment, Stéphan MERCIER (chair of the board)
Board meeting, 22-06-2015
Power of attorney, Stéphan MERCIER
Power of attorney, Jean-Marie LIMPENS
Power of attorney, Jean-Marie LIMPENS
Power of attorney, Yves Leroy
Power of attorney, Pauline Bastin
Power of attorney, Raimondo Nicastro

2013

19-11

State Gazette act Resignation: Pascal MERTENS (director)

Appointment: Philippe DEHASPE (director) · Power of attorney9 facts ▸

General meeting, 12-06-2013
Director resignation, Pascal MERTENS (director)
Director appointment, Philippe DEHASPE (director)
Power of attorney, Jean-Marie LIMPENS
Power of attorney, Guy DURANT
Power of attorney, Philippe DEHASPE
Power of attorney, Thérèse LEBRUN
Power of attorney, Pauline BASTIN
Power of attorney, Yves Leroy

2011

21-12

State Gazette act Appointments: SCivPRL « Debaeke E. & C° - Reviseurs d'entreprises » (statutory auditor) and SCivPRL « DGST & Partners - Reviseurs d'entreprises » (statutory auditor)

Power of attorney5 facts ▸

General meeting, 04-11-2011
Auditor appointment, SCivPRL « Debaeke E. & C° - Reviseurs d'entreprises » (statutory auditor)
Auditor appointment, SCivPRL « DGST & Partners - Reviseurs d'entreprises » (statutory auditor)
Power of attorney, Etienne Debaeke
Power of attorney, Michaël De Ridder

23-11

State Gazette act Resignations: Grateau François (director) and ASBL Association Fédérative d'institutions Chrétiennes (director)

Appointments: Thérèse Lebrun (director) and Pascal Mertens (director) · Registered-office move7 facts ▸

General meeting, 04-11-2011
Director resignation, Grateau François (director)
Director resignation, ASBL Association Fédérative d'institutions Chrétiennes (director)
Director appointment, Thérèse Lebrun (director)
Director appointment, Pascal Mertens (director)
Board meeting, 04-11-2011
Registered-office move, 7000 Mons, Boulevard Fulgence Masson, 5

24-05

State Gazette act Resignations: Paul Van Severen (director) and Marie-Catherine Knevels (director)

Appointments: Guy Durant, François Grateau and Jean-Marie Limpens8 facts ▸

General meeting, 04/04/2011
Director resignation, Paul Van Severen (director)
Director resignation, Marie-Catherine Knevels (director)
Director appointment, Guy Durant (director)
Director appointment, François Grateau (director)
Director appointment, Jean-Marie Limpens (director)
Director appointment, Guy Durant (chair)
Director appointment, Jean-Marie Limpens (managing director)

2005

15-07

State Gazette act Reappointments: Marie-Catherine KNEVELS, Paul VAN SEVEREN and 3 others

Capital · Statutes amendment8 facts ▸

General meeting, 21-06-2005
Capital, €693.588,51
Director reappointment, Marie-Catherine KNEVELS (director)
Director reappointment, Paul VAN SEVEREN (director)
Director reappointment, Association Fédérative d'Institutions Chrétiennes (director)
Director reappointment, Serge COMIN (director)
Director reappointment, Bernadette CHARLIER (director)
Statutes amendment

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

18 of 18 acts read

Directors · office · real estate

Directors

20 directors, 3 in day-to-day management, no change since 2026

Board 20

CONTI, Calogero

Chair · since 18-06-2024 · Director · since 18-06-2024

Current

COULIE, Bernard

Vice-chair · since 18-06-2024 · Director · since 18-06-2024

Current

DUVEAU, Xavier

Vice-chair · since 18-06-2024 · Director · since 18-06-2024

Current

BRYSKERE, Fabienne

Director · since 18-06-2024

Current

DE COSTER, Patrick

Director · since 18-06-2024

Current

DESCLEE de MAREDSOUS Isaline

Director · since 18-06-2024

Current

Jean-Michel HOUGARDY

Director · since 18-06-2024

Current

MAIRIAUX, Bernard

Director · since 18-06-2024

Current

Show all 20 directors

NIVELLE, France

Director · since 18-06-2024

Current

VAN DAELE, Bart

Director · since 18-06-2024

Current

WILLAME, Sigrid

Director · since 18-06-2024

Current

WILPUTTE, Philippe

Director · since 18-06-2024

Current

Stéphane DENIS

Director · since 19-11-2024

Current

DEMAL, Grégory

Director · since 17-12-2024

Current

Jean-Pascal MACHIELS

Director · since 20-05-2025

Current

Chantal BOUCHEZ

Director · since 30-06-2025

Current

D'HAENE Pierre-Henri

Director · since 21-04-2026

Current

LEISTEDT Samuël

Director · since 19-05-2026

Current

Jacques DELMOITIEZ

Director

Current

MERCIER Stéphan

Director · from a recent act

Current

4 not recently confirmed

Still in office according to the acts, but no act of the last six years confirms the mandate. It has often ended since, in an act we have not read.

Association Fédérative d'Institutions Chrétiennes

Director · since 01-12-2005 · Legal entity

Not recently confirmed

Bernadette CHARLIER

Director · since 01-12-2005

Not recently confirmed

Serge COMIN

Director · since 01-12-2005

Not recently confirmed

Thérèse CARDON

Director · since 03-11-2017

Not recently confirmed

Day-to-day management 3

DE GROX Joëlle

Directrice générale · since 01-06-2025

Current

Jean-Luc DEWEZ

Directeur général adjoint · since 01-06-2025

Current

MERCIER Stéphan

Directeur général · from a recent act

Current

Statutory auditor 1

Deloitte

Statutory auditor · since 04-08-2026

Current

"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 →

Location & real-estate footprint

Registered office, Mons · 1 establishment unit since 1988

seat establishment The establishment unit on the map

Ground area

3,679 m²

Building footprint

647 m²

Volume, LiDAR

8,626 m³

2 parcels, Wallonia · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.

10 companies at this address See who is registered here

1 establishment unit

CREDE SA

Avenue B. de Constantinople 10, 7000 MonsNACE 7230001

since 19882.129.767.929

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
53405C0001/00Z040	Wallonia	1,971 m²	1 · 381 m²	17.6 m · 5 fl.
53404B0706/00H072	Wallonia	1,708 m²	1 · 266 m²	13.9 m · 4 fl.

Linked by address, not proof of ownership

Good to know

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Mandate history

56 people since 2005, 27 in office

All 56 In office 27 Ended 29

Board
Day-to-day management
Statutory auditor
not recently confirmed
began earlier

Mandates per person, with start and end dates
Name	Functions and periods
MERCIER Stéphanfrom an act	Chair of the board, from 19-08-2015 ended, last mentioned 19-08-2015 Director, from 19-08-2015 to 20-08-2024 Managing director, from 04-10-2021 to 06-06-2025 Director, already before 24-04-2023 to date Directeur général, from 20-08-2024 to date
Jacques DELMOITIEZ	Director, from 27-06-2016 to date
MAIRIAUX, Bernard	Director, from 24-10-2018 to date
COULIE, Bernard	Chair, from 22-06-2021 ended, last mentioned 04-10-2021 Director, already before 24-04-2023 to date Vice-chair, from 18-06-2024 to date
DE COSTER, Patrick	Vice-chair, from 22-06-2021 ended, last mentioned 04-10-2021 Director, already before 24-04-2023 to date
BRYSKERE, Fabienne	Director, already before 24-04-2023 to date
DESCLEE de MAREDSOUS Isaline	Director, already before 24-04-2023 to date
WILLAME, Sigrid	Director, already before 24-04-2023 to date
Chantal BOUCHEZ	Directrice générale adjointe, from 18-06-2024 to 01-06-2025 Director, from 30-06-2025 to date
CONTI, Calogero	Chair, from 18-06-2024 to date Director, from 18-06-2024 to date
DUVEAU, Xavier	Vice-chair, from 18-06-2024 to date Director, from 18-06-2024 to date
Jean-Michel HOUGARDY	Director, from 18-06-2024 to date
NIVELLE, France	Director, from 18-06-2024 to date
VAN DAELE, Bart	Director, from 18-06-2024 to date
WILPUTTE, Philippe	Director, from 18-06-2024 to date
Stéphane DENIS	Director, from 19-11-2024 to date
DEMAL, Grégory	Director, from 17-12-2024 to date
Jean-Pascal MACHIELS	Director, from 20-05-2025 to date
D'HAENE Pierre-Henri	Director, from 21-04-2026 to date
LEISTEDT Samuël	Director, from 19-05-2026 to date
DE GROX Joëlle	Directrice générale, from 01-06-2025 to date
Jean-Luc DEWEZ	Directeur général adjoint, from 01-06-2025 to date
Deloitte	Statutory auditor, from 04-08-2026 to date
Association Fédérative d'Institutions Chrétiennes	Director, already before 01-12-2005 not ended, last confirmed 15-07-2005
Bernadette CHARLIER	Director, already before 01-12-2005 not ended, last confirmed 15-07-2005
Serge COMIN	Director, already before 01-12-2005 not ended, last confirmed 15-07-2005
Thérèse CARDON	Director, already before 03-11-2017 not ended, last confirmed 22-10-2018
DGST & PARTNERS - REVISEUR D'ENTREPRISES-BEDRIJFSREVISOREN	Auditor, from 04-11-2011 to 04-08-2026
SCivPRL « Debaeke E. & C° - Reviseurs d'entreprises »	Statutory auditor, from 04-11-2011 to 04-08-2026
DUBOIS Philippe	Director, from 18-06-2024 to 10-02-2026
Damien de DORLODOT	Director, from 18-06-2024 to 16-12-2025
FERRARI, Jean-Pierre	Director, from 18-06-2024 to 30-06-2025
S. MERCIER	Chair of the board, from 22-06-2015 ended, last mentioned 19-08-2015 Director, from 22-06-2015 to 18-06-2024 Managing director, from 22-06-2021 to 01-06-2025
Frédéric HOUSSIAU	Director, from 18-06-2024 to 20-05-2025
DECAMPS, Caroline	Director, from 18-06-2024 to 01-11-2024
CAUDRON Anne-Sophie	Director, already before 24-04-2023 to 18-06-2024
DEHAME Pierre	Director, already before 24-04-2023 to 18-06-2024
Giorgio Tesolin	Director, already before 24-04-2023 to 18-06-2024
Graux Pascal	Director, already before 24-04-2023 to 18-06-2024
Jean-Marie Sturbois	Director, already before 24-04-2023 to 18-06-2024
Laure le Hardy de Beaulieu	Director, already before 24-04-2023 to 18-06-2024
LAVAUX David	Director, already before 24-04-2023 to 18-06-2024
LINKENS Isabelle	Director, already before 24-04-2023 to 18-06-2024
MAHEUX Catherine	Director, already before 24-04-2023 to 18-06-2024
MATON Michel	Director, already before 24-04-2023 to 18-06-2024
Philippe DEHASPE	Director, from 12-06-2013 to 24-10-2018 Director, already before 24-04-2023 to 18-06-2024
THIRAN Christine	Director, already before 24-04-2023 to 18-06-2024
Brahy Pierre	Director, from 27-06-2016 to 22-06-2021
Benoît Debande	Director, from 24-10-2018 to 31-05-2019
Jean-Marie Limpens	Director, from 24-05-2011 to 14-11-2018 Managing director, from 24-05-2011 to 14-11-2018
Thérèse Lebrun	Director, from 04-11-2011 to 24-10-2018
DURANT Guy	Chair, from 24-05-2011 ended, last mentioned 24-05-2011 Director, from 24-05-2011 to 22-06-2015
Pascal Mertens	Director, from 04-11-2011 to 12-06-2013
François Grateau	Director, from 24-05-2011 to 04-11-2011
Marie-Catherine Knevels	Director, already before 01-12-2005 to 24-05-2011
Paul Van Severen	Director, already before 01-12-2005 to 24-05-2011

Show all 56 people Show the first 12See the board, name and seat on a given date →

Articles of association

Purpose

Toutes opérations généralement quelconques, commerciales, industrielles ou financières, mobilières ou immobilières et notamment tous travaux et études se rapportant directement ou…

Full purpose

Toutes opérations généralement quelconques, commerciales, industrielles ou financières, mobilières ou immobilières et notamment tous travaux et études se rapportant directement ou indirectement au secteur des soins de santé au sens le plus large du terme.

according to the deed of 24-04-2023

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2021 list no shareholders, and no other source names one.

Holdings 1

IMMOBILIERE DU 10 DE GRISEUL 2001subsidiary

Sourceown accounts 2021
Equity €109,069Result -€6,126

99.97%

According to the 2021 annual accounts of CREDE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

129 connected companies

Depth

Shared directors

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

ACTION DAMIEN

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ELICIO

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via D'HAENE Pierre-Henri, CONTI, Calogero and 12 others

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HUmani

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Institut de Pathologie et de Génétique

via DE GROX Joëlle · Director

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Instituut voor Bestuurders - l'Institut des Administrateurs

via D'HAENE Pierre-Henri · Director

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Intercommunale Gabrielle Passelecq

via Chantal BOUCHEZ and Jean-Michel HOUGARDY

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La Charmille

via BRYSKERE, Fabienne, COULIE, Bernard and 4 others · Director

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LA CONFÉRENCE DES HÔPITAUX ACADÉMIQUES DE BELGIQUE

via Jean-Michel HOUGARDY and Jean-Pascal MACHIELS · Director

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LE BOSQUET

via BRYSKERE, Fabienne, COULIE, Bernard and 5 others

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LOGIPÔLE

via CONTI, Calogero, COULIE, Bernard and 4 others · Director

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MUSHU MANAGEMENT

via BRYSKERE, Fabienne · Permanent representative

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NEB PARTICIPATIONS

via DEMAL, Grégory · Director

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NETHYS

via DEMAL, Grégory · Directeur général

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NOSHAQ IMMO

via DEMAL, Grégory · Director

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Oak+ Management

via WILLAME, Sigrid · Permanent representative

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Section Belge du Centre International de Recherches et d'Informations Sur l'Economie publique, sociale et coopérative

via DEMAL, Grégory · Director

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SOCOFE

via DEMAL, Grégory · Director

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Toit & moi, immobilière sociale de la région montoise

via Chantal BOUCHEZ · Director

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ASSOCIATION CHRETIENNE DES INSTITUTIONS SOCIALES ET DE SANTE

via Jacques DELMOITIEZ · Director

former→

AZ TURNHOUT

via VAN DAELE, Bart · Vertegenwoordiger van de rechtspersoon bestuurder

former→

BASF Antwerpen

via Jacques DELMOITIEZ · Director

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Celest Pension Fund

via MAIRIAUX, Bernard · Director

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CENTRALE DE NEGOCIATION POUR LES ACHATS HOSPITALIERS

via Chantal BOUCHEZ · Director

former→

CENTRE HOSPITALIER UNIVERSITAIRE DINANT GODINNE SAINTE-ELISABETH-UCL-NAMUR

via DE COSTER, Patrick · Directeur général adjoint

former→

COMPAGNIE DU LAC

via COULIE, Bernard · Administrateur de catégorie c

former→

de Duve Institute

via COULIE, Bernard · Director

former→

Envia Waas

via VAN DAELE, Bart · Director

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Familiehulp

via VAN DAELE, Bart · Director

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Familiehulp Goed Wonen

via VAN DAELE, Bart · Director

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Familiehulp kinderopvang De Speelboom

via VAN DAELE, Bart · Director

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FEBECOOP

via BRYSKERE, Fabienne · Director

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FEDERATION BELGE DU COMMERCE ET DES SERVICES

via BRYSKERE, Fabienne · Director

former→

FONDS DE LA RECHERCHE SCIENTIFIQUE-FNRS

via CONTI, Calogero · Director

former→

FONDS DE SOLIDARITE DES AVOCATS ET DES HUISSIERS DE JUSTICE

via MAIRIAUX, Bernard · Director

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FONDS FEDERAL DE LA RECHERCHE SCIENTIFIQUE

via CONTI, Calogero and COULIE, Bernard

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HOSPITAL LOGISTICS

via VAN DAELE, Bart · Director

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HYDRIA

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IMBC SPINNOVA

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INSTITUT INTERUNIVERSITAIRE DES SCIENCES NUCLEAIRES

via CONTI, Calogero · Director

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Le Roseau

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LOTERIE NATIONALE

via DEMAL, Grégory · Membre ordinaire du conseil d'administration

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MONS.RENOVATION

via DEMAL, Grégory · Administrateur délégué et administrateur

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via VAN DAELE, Bart · Algemeen directeur a.i.

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Plate-forme Picarde de Concertation pour la Santé Mentale

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"I.D.E.A. S.C"

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AKT - CCI HAINAUT

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AMONIS

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ATELIERS BELGIUM COATINGS

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BELGIAN PARALYMPIC COMMITTEE

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BETAPLUS PHARMA

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BRASEAP

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CAP - INFO

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Caritas International Belgique

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CENEO

Shared director

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CENTRE CHAPELLE-AUX-CHAMPS

Shared director

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CENTRE DE PERFECTIONNEMENT DE SOUDEURS

Shared director

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CENTRE HOSPITALIER NEUROLOGIQUE WILLIAM LENNOX

Shared director

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Centre Local de Promotion de la Santé des Arrondissement de Mons et Soignies

Shared director

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Centre Universitaire de formation spécifique en médecine Générale de l'U.C.L.

Shared director

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Centre Wallon d'Orthopédie Générale

Shared director

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Clinique Notre-Dame de Grâce

Shared director

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Cliniques de l'Europe - Europa Ziekenhuizen

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COMITE OLYMPIQUE ET INTERFEDERAL BELGE

Shared director

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Community Support for Clinical Terminologies

Shared director

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Compagnie Immobilière de Belgique

Shared director

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De Verwondering

Shared director

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DECUBE

Shared director

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DEFOR

Shared director

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DEVELOPPEMENT MEDICO-SOCIAL REGIONAL

Shared director

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EPSYLON

Shared director

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EPSYMMO

Shared director

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federation de l'industrie alimentaire wallonne

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Feluy M2M

Shared director

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Foyer Notre Dame de Paix

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GRAND HOPITAL DE CHARLEROI

Shared director

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HOLDING FINANCIERE DU PONANT

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HYGEA

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IMBC 2020

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IMBC CAPITAL RISQUE

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Kidslife

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La Louvière Centre-Ville

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LA MAISON DE MARIEMONT

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Le Beau Vallon - Soins spécialisés en santé mentale

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Le Rouveroy

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Les Viviers Santé

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Ligue Handisport Francophone

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Maison Marie Immaculée ASBL

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MAX BUSET INVEST

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MercurHosp

Shared director

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NovaVia

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OEUVRE FEDERALE LES AMIS DES AVEUGLES ET MALVOYANTS, EN NEERLANDAIS FEDERAAL WERK DE VRIENDEN DER BLINDEN EN SLECHTZIENDEN

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PLASTURGIE LAZZERINI

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PLATE-FORME DE CONCERTATION EN SANTE MENTALE DU BRABANT WALLON

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Repos, Joie, Santé et Solidarité

Shared director

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Réseau Entreprendre Wallonie

Shared director

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Saint-Luc Patrimoine

Shared director

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Secrétariat Social des Classes Moyennes

Shared director

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Service de Santé mentale @Le Méridien@

Shared director

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Service Santé mentale Le Chien Vert

Shared director

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Services de Santé Mentale de l'UCL à Bruxelles

Shared director

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SIPRES

Shared director

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SOCIETE D'INVESTISSEMENT DE MONS, DU BORINAGE ET DU CENTRE

Shared director

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SOCIETE DE DEVELOPPEMENT ET DE LEASING DE LA REGION DE MONS, DU BORINAGE ET DU CENTRE

Shared director

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SOCIETE PUBLIQUE DE GESTION DE L'EAU

Shared director

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Solvac

Shared director

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TRIONNA

Shared director

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UNESSA

Shared director

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Union des Classes Moyennes National

Shared director

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Université de Namur

Shared director

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Val'Up

Shared director

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Valisana

Shared director

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Virvolti

Shared director

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Capital and shareholders

Capital over the years

24-04-2023 Capital stated in 3 acts · 693,588.51 EUR · 1,538 shares

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Of 9,145 companies in sector 68201 we hold annual accounts for 6,776. 2,780 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

Founded01-06-1978

Fiscal year end31-12

Activities, NACEBEL 2025

68201Renting and operating of own or leased residential real estate, excluding social housing

Contact

E-mail secretariat.general@jolimont.be

E-invoicing

Reachable via Peppol

Peppol ID 0208:0418671497

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