Summary
CREDIALYS 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 €4.0m and a net result of €27,702. Equity is growing by about 6.4% per year across the filed financial years. Its solvency ranks better than 10% of 3,011 sector peers (NACE 64, financial year 2025). The company has been active since 1948 and the Belgian Official Gazette contains no insolvency or warning signals.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Fournir et gérer le crédit hypothécaire social au sens de l'article 136° du Code wallon de l'habitation durable, sur le territoire de la…” (deed in French)deed of 29-12-2022
Text of the purpose (deed in French)
“Fournir et gérer le crédit hypothécaire social au sens de l'article 136° du Code wallon de l'habitation durable, sur le territoire de la Province de Liège.”
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région Wallonne, 4500 Huy,rue d'Amérique,26/1” (deed in French)deed of 06-01-2025
Who represents it, and how
- Power of attorneyA special mandate allowing someone to perform one or more acts on the company's behalf.
- 2 provisions in the deed
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Participation personnes morales droit public n'atteint pas 25% capital, parts et parts sociales remplacés par action” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Thursday of June at 18:00