Summary
CREDISSIMO 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 €25.4m and a net result of €819,751. Equity has been growing by about 3.4% per year since 2018. Its solvency ranks better than 9% of 3,033 sector peers (NACE 64, financial year 2025). The company has been active since 1912 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 11-10-1912 Normal situation
- Activity
- Financial service activities, except insurance and pension funding NACE 64922
- Establishment units
- 2.003.250.433 4000 Liège, since 01-10-1912
- 2.145.305.943 4100 Seraing, since 01-04-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 29-09-2025
Board and ownership
Board
- Anne-Michèle KOCHDirector · since 14-02-2023
- Bernard JOUANDirector · since 14-02-2023
- Yves DEGEYDirector · since 14-02-2023
- Auditor
- DELOITTE
Shareholders
- BNP Paribas Fortis100%annual accounts 2025
- Genfinance International0.01%· score 95annual accounts 2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €819,751
- ▼ 16.4%
- Equity
- €25.4m
- ▲ 3.0%
- Total assets
- €422.2m
- ▲ 1.2%
- Employees on 31-12-2025
- 12
- ▼ 14.3%
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 3033 sector peers (2025).
NBB · sector comparisonPosition among 3033 sector peers
Solvency
better than 9%
← 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 13-04-2026, 109 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
109 days early
2024
169 days early
2023
163 days early
2022
165 days early
2021
170 days early
2020
169 days early
2019
168 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 159 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 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 February (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, full format
Annual accounts 2025 filed on 13-04-2026 PDF all 48 filings
Equity
€25.4m▲ 3.0%
2024 · €24.6m
Net result
€819,751▼ 16.4%
2024 · €980,769
Total assets
€422.2m▲ 1.2%
2024 · €417.4m
Solvency
6.0%▲ 0.1pp
2024 · 5.9%
Multi-year overview
2018 to 2025, 8 financial yearsTurnover
€9.8m
▲ 2.5%
2025
20182025
Operating result
€821,211
▼ 14.5%
2025
20182025
Net result
€819,751
▼ 16.4%
2025
middle half of the sector
20182025
Equity
€25.4m
▲ 3.0%
2025
highest quarter of the sector
20182025
Total assets
€422.2m
▲ 1.2%
2025
highest quarter of the sector
20182025
Debt
€396.1m
▲ 1.0%
2025
20182025
Working capital
€402.7m
▲ 1.1%
2025
highest quarter of the sector
20182025
Solvency
6.0%
▲ 0.1pp
2025
lowest quarter of the sector
20182025
Current ratio
22.84
▼ 0.18
2025
highest quarter of the sector
20182025
Return on assets (ROA)
0.2%
=
2025
middle half of the sector
20182025
Staff (FTE)
11.2
▲ 2.8%
2025
highest quarter of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Turnover€10.5m-€10.2m▼ 3.4%€9.5m▼ 6.3%€9.5m=€9.1m▼ 4.0%€9.3m▲ 1.4%€9.6m▲ 3.7%€9.8m▲ 2.5%
Operating result€0.8m-€0.7m▼ 3.2%€0.6m▼ 12.3%€0.8m▲ 27.7%€1.0m▲ 17.6%€1.1m▲ 11.3%€1.0m▼ 11.2%€0.8m▼ 14.5%
Net result€0.8m-€0.7m▼ 12.8%€0.7mabove the sector's middle half▼ 5.1%€0.8mwithin the sector's middle half▲ 16.8%€0.9mabove the sector's middle half▲ 18.5%€1.1mabove the sector's middle half▲ 15.0%€1.0mabove the sector's middle half▼ 6.8%€0.8mwithin the sector's middle half▼ 16.4%
Equity€20.0m-€20.7m▲ 3.1%€21.2mabove the sector's middle half▲ 2.8%€21.9mabove the sector's middle half▲ 3.3%€22.8mabove the sector's middle half▲ 3.8%€23.7mabove the sector's middle half▲ 4.3%€24.6mabove the sector's middle half▲ 3.8%€25.4mabove the sector's middle half▲ 3.0%
Total assets€353.9m-€362.8m▲ 2.5%€372.7mabove the sector's middle half▲ 2.7%€383.5mabove the sector's middle half▲ 2.9%€398.7mabove the sector's middle half▲ 3.9%€415.4mabove the sector's middle half▲ 4.2%€417.4mabove the sector's middle half▲ 0.5%€422.2mabove the sector's middle half▲ 1.2%
Debt€333.4m-€341.7m▲ 2.5%€350.8m▲ 2.7%€360.9m▲ 2.9%€375.1m▲ 4.0%€391.0m▲ 4.2%€392.0m▲ 0.3%€396.1m▲ 1.0%
Working capital€337.6m-€346.1m▲ 2.5%€355.7mabove the sector's middle half▲ 2.8%€362.7mabove the sector's middle half▲ 2.0%€378.9mabove the sector's middle half▲ 4.4%€396.2mabove the sector's middle half▲ 4.6%€398.1mabove the sector's middle half▲ 0.5%€402.7mabove the sector's middle half▲ 1.1%
Solvency5.7%-5.7%=5.7%below the sector's middle half=5.7%below the sector's middle half=5.7%below the sector's middle half=5.7%below the sector's middle half=5.9%below the sector's middle half▲ 0.2pp6.0%below the sector's middle half▲ 0.1pp
Current ratio22.03-22.09▲ 0.0622.13above the sector's middle half▲ 0.0419.76above the sector's middle half▼ 2.3721.54above the sector's middle half▲ 1.7923.03above the sector's middle half▲ 1.4823.02above the sector's middle half=22.84above the sector's middle half▼ 0.18
Return on assets (ROA)0.2%-0.2%=0.2%within the sector's middle half=0.2%within the sector's middle half=0.2%within the sector's middle half=0.3%within the sector's middle half=0.2%within the sector's middle half=0.2%within the sector's middle half=
Staff (FTE)12.1-11.2▼ 7.4%11.2above the sector's middle half=11.2above the sector's middle half=11.2above the sector's middle half=11.1above the sector's middle half▼ 0.9%10.9above the sector's middle half▼ 1.8%11.2above the sector's middle half▲ 2.8%
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 15% lower than in 2024 and the lowest since 2020. It is the second fall in a row.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €422.2m
Fixed assets
€1.1m ▼ 7.1%
Current assets
€421.1m ▲ 1.2%
Equity and liabilities €422.2m
Equity
€25.4m ▲ 3.0%
Provisions
€695,074 ▼ 0.6%
Debt
€396.1m ▲ 1.0%
Debt's share of the balance-sheet total falls from 93.9% to 93.8%. Equity and debt are higher.
Key figures and ratios
ROE
3.2%▼
2024 · 4.0%
Debt ≤ 1 year
€18.4m▲
2024 · €18.1m
Debt > 1 year
€377.7m▲
2024 · €374.0m
Income taxes
€42,507▼
2024 · €50,196
Staff costs
€1.3m▲
2024 · €1.2m
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|
| Employees at the balance-sheet date | 12 | 13 | 14 | 12 |
| full-time | 12 | 13 | 14 | 12 |
| in full-time equivalents | 12 | 13 | 14 | 12 |
| Average over the year, in full-time equivalents | 11.2 | 11 | 10.9 | 11.2 |
| On a permanent contract | 12 | 12 | 14 | 12 |
| Joined | - | - | 1 | 0 |
| Left | - | - | 0 | 2 |
| Agency workers, average number | - | - | 0.6 | 0.3 |
| Training hours | 70 | 35 | 220 | 290 |
Source: social balance sheet in the 2022 to 2025 annual accounts
Securities and guarantees
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Carrying value of the mortgaged assets | - | €108.7m | - | - |
| Carrying value of the other pledged assets | €108.7m | - | €108.7m | €108.7m |
Source: notes to the 2022 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | €2,657 | €1,195 | - | - |
| Depreciation and write-downs of the year | €91,911 | €91,643 | €87,664 | €83,559 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Auditor
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Fee for the audit | €13,250 | €13,567 | €14,150 | €14,600 |
Source: notes to the 2022 to 2025 annual accounts (relations with the auditor)
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | - | - | €9.9m | €10.2m | €10.3m | €10.5m | ▲ 2.1% |
| Turnover70 | €10.5m | €10.2m | €9.5m | €9.5m | €9.1m | €9.3m | €9.6m | €9.8m | ▲ 2.5% |
| Other operating income74 | - | - | - | - | €0.8m | €0.9m | €0.7m | €0.6m | ▼ 4.1% |
| Operating charges60/66A | - | - | - | - | €9.0m | €9.1m | €9.3m | €9.7m | ▲ 3.8% |
| Goods for resale, raw materials and consumables60 | - | - | - | - | €7.2m | €7.3m | €7.5m | €7.7m | ▲ 3.4% |
| Purchases600/8 | - | - | - | - | €7.2m | €7.2m | €7.5m | €7.7m | ▲ 3.4% |
| Change in stocks: decrease (increase)609 | - | - | - | - | - | €0.08m | - | - | - |
| Services and other goods61 | - | - | - | - | €0.5m | €0.5m | €0.5m | €0.5m | ▼ 1.6% |
| Remuneration, social security and pensions62 | - | - | - | - | €1.2m | €1.3m | €1.2m | €1.3m | ▲ 7.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.04m | €0.04m | €0.02m | €0.07m | €0.09m | €0.09m | €0.09m | €0.08m | ▼ 4.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | -€0.04m | -€0.05m | -€0.04m | €0.01m | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | €0.02m | -€0.07m | -€0.001m | -€0.004m | ▼ 179% |
| Other operating charges640/8 | - | - | - | - | €0.05m | €0.09m | €0.06m | €0.03m | ▼ 57.0% |
| Operating profit (loss)9901 | €0.8m | €0.7m | €0.6m | €0.8m | €1.0m | €1.1m | €1.0m | €0.8m | ▼ 14.5% |
| Financial income75/76B | - | - | - | - | - | €0.03m | €0.07m | €0.05m | ▼ 38.7% |
| Recurring financial income75 | €0.07m | - | - | - | - | €0.03m | €0.07m | €0.05m | ▼ 38.7% |
| Income from current assets751 | - | - | - | - | - | €0.03m | €0.07m | €0.05m | ▼ 38.7% |
| Financial charges65/66B | - | - | - | - | €0.004m | €0.004m | €0.004m | €0.004m | ▲ 8.1% |
| Recurring financial charges65 | €0.003m | €0.003m | €0.003m | €0.004m | €0.004m | €0.004m | €0.004m | €0.004m | ▲ 8.1% |
| Debt charges650 | €0.003m | €0.003m | €0.003m | €0.004m | €0.004m | €0.004m | €0.004m | €0.004m | ▲ 8.1% |
| Profit (loss) for the period before taxes9903 | €0.8m | €0.7m | €0.7m | €0.8m | €1.0m | €1.1m | €1.0m | €0.9m | ▼ 16.4% |
| Income taxes67/77 | €0.03m | €0.04m | €0.04m | €0.05m | €0.05m | €0.06m | €0.05m | €0.04m | ▼ 15.3% |
| Taxes670/3 | - | - | - | - | €0.05m | €0.06m | €0.06m | €0.05m | ▼ 18.2% |
| Tax adjustments and reversals of tax provisions77 | - | - | - | - | - | - | €0.005m | €0.002m | ▼ 48.1% |
| Profit (loss) for the period9904 | €0.8m | €0.7m | €0.7m | €0.8m | €0.9m | €1.1m | €1.0m | €0.8m | ▼ 16.4% |
| Profit (loss) for the period to be appropriated9905 | €0.8m | €0.7m | €0.7m | €0.8m | €0.9m | €1.1m | €1.0m | €0.8m | ▼ 16.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €353.9m | €362.8m | €372.7m | €383.5m | €398.7m | €415.4m | €417.4m | €422.2m | ▲ 1.2% |
| Fixed assets21/28 | €0.3m | €0.3m | €0.2m | €1.4m | €1.4m | €1.3m | €1.2m | €1.1m | ▼ 7.1% |
| Tangible fixed assets22/27 | €0.3m | €0.3m | €0.2m | €1.4m | €1.4m | €1.3m | €1.2m | €1.1m | ▼ 7.1% |
| Land and buildings22 | - | - | - | - | €1.3m | €1.2m | €1.2m | €1.1m | ▼ 6.5% |
| Furniture and vehicles24 | - | - | - | - | €0.04m | €0.03m | €0.01m | €0.007m | ▼ 50.8% |
| Current assets29/58 | €353.6m | €362.5m | €372.5m | €382.1m | €397.3m | €414.2m | €416.2m | €421.1m | ▲ 1.2% |
| Amounts receivable after more than one year29 | - | - | - | - | €371.8m | €389.6m | €392.7m | €395.5m | ▲ 0.7% |
| Trade receivables290 | - | - | - | - | €371.8m | €389.6m | €392.7m | €395.5m | ▲ 0.7% |
| Stocks and contracts in progress3 | - | €0.2m | €0.08m | €0.08m | €0.08m | - | - | - | - |
| Stocks30/36 | - | - | - | - | €0.08m | - | - | - | - |
| Property held for sale35 | - | - | - | - | €0.08m | - | - | - | - |
| Amounts receivable within one year40/41 | €14.5m | €14.8m | €15.2m | €15.2m | €15.7m | €16.0m | €16.6m | €17.2m | ▲ 3.5% |
| Trade receivables40 | - | - | - | - | €15.2m | €15.8m | €16.2m | €16.7m | ▲ 3.0% |
| Other amounts receivable41 | - | - | - | - | €0.5m | €0.2m | €0.4m | €0.5m | ▲ 26.5% |
| Cash at bank and in hand54/58 | €11.8m | €12.8m | €12.3m | €12.2m | €9.0m | €7.8m | €6.2m | €7.6m | ▲ 23.3% |
| Deferred charges and accrued income490/1 | - | - | - | - | €0.7m | €0.8m | €0.8m | €0.8m | ▲ 2.7% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €353.9m | €362.8m | €372.7m | €383.5m | €398.7m | €415.4m | €417.4m | €422.2m | ▲ 1.2% |
| Equity10/15 | €20.0m | €20.7m | €21.2m | €21.9m | €22.8m | €23.7m | €24.6m | €25.4m | ▲ 3.0% |
| Contributions10/11 | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | = |
| Capital10 | - | - | - | - | €1.6m | €1.6m | €1.6m | €1.6m | = |
| Issued capital100 | - | - | - | - | €1.6m | €1.6m | €1.6m | €1.6m | = |
| Reserves13 | €18.4m | €19.1m | €19.6m | €20.3m | €21.2m | €22.1m | €23.0m | €23.8m | ▲ 3.2% |
| Non-distributable reserves130/1 | - | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Legal reserve130 | - | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Distributable reserves133 | - | - | - | - | €21.0m | €22.0m | €22.9m | €23.6m | ▲ 3.2% |
| Provisions and deferred taxes16 | €0.5m | €0.5m | €0.6m | €0.7m | €0.8m | €0.7m | €0.7m | €0.7m | ▼ 0.6% |
| Provisions for liabilities and charges160/5 | - | - | - | - | €0.8m | €0.7m | €0.7m | €0.7m | ▼ 0.6% |
| Other liabilities and charges164/5 | - | - | - | - | €0.8m | €0.7m | €0.7m | €0.7m | ▼ 0.6% |
| Amounts payable17/49 | €333.4m | €341.7m | €350.8m | €360.9m | €375.1m | €391.0m | €392.0m | €396.1m | ▲ 1.0% |
| Amounts payable after more than one year17 | €317.3m | €325.2m | €334.0m | €341.5m | €356.7m | €373.0m | €374.0m | €377.7m | ▲ 1.0% |
| Financial debts170/4 | - | - | - | - | €356.7m | €373.0m | €374.0m | €377.7m | ▲ 1.0% |
| Other loans174 | - | - | - | - | €356.7m | €373.0m | €374.0m | €377.7m | ▲ 1.0% |
| Amounts payable within one year42/48 | €16.1m | €16.4m | €16.8m | €19.3m | €18.4m | €18.0m | €18.1m | €18.4m | ▲ 2.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €15.0m | €15.7m | €16.1m | €16.6m | ▲ 2.8% |
| Trade debts44 | €0.01m | €0.02m | €0.02m | €0.04m | €0.03m | €0.04m | €0.01m | €0.03m | ▲ 90.3% |
| Suppliers440/4 | - | - | - | - | €0.03m | €0.04m | €0.01m | €0.03m | ▲ 90.3% |
| Taxes, remuneration and social security45 | - | - | - | - | €0.4m | €0.4m | €0.4m | €0.4m | ▲ 2.8% |
| Taxes450/3 | - | - | - | - | €0.007m | €0.003m | - | €0.005m | - |
| Remuneration and social security454/9 | - | - | - | - | €0.4m | €0.4m | €0.4m | €0.4m | ▲ 1.4% |
| Other amounts payable47/48 | - | - | - | - | €3.1m | €1.9m | €1.6m | €1.5m | ▼ 7.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.8m | €0.7m | €0.7m | €0.8m | €0.9m | €1.1m | €1.0m | €0.8m | ▼ 16.4% |
| + Depreciation and write-downs630 | €0.04m | €0.04m | €0.02m | €0.07m | €0.09m | €0.09m | €0.09m | €0.08m | ▼ 4.7% |
| Operating cash flow (approximation) | €0.8m | €0.7m | €0.7m | €0.8m | €1.0m | €1.1m | €1.1m | €0.9m | ▼ 15.5% |
| Investment in fixed assets (approximation) | - | -€0.002m | €0.08m | -€1.3m | -€0.003m | -€0.001m | €0 | €0 | - |
| Change in cash | - | €0.9m | -€0.5m | -€0.1m | -€3.1m | -€1.2m | -€1.6m | €1.4m | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 48 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | full format | 13-04-2026 | 2026-00081254 | |
| 31-12-2024 | full format | 12-02-2025 | 2025-00035594 | |
| 31-12-2023 | full format | 19-02-2024 | 2024-00033836 | |
| 31-12-2022 | full format | 16-02-2023 | 2023-00027928 | |
| 31-12-2021 | full format | 11-02-2022 | 2022-05500460 | |
| 31-12-2020 | full format | 12-02-2021 | 2021-05300583 | |
| 31-12-2019 | full format | 14-02-2020 | 2020-05100208 | |
| 31-12-2018 | full format | 14-02-2019 | 2019-05100532 | |
| 31-12-2017 | full format | 19-02-2018 | 2018-05300034 | |
| 31-12-2016 | full format | 15-02-2017 | 2017-04500491 |
Board & ownership
Directors
Directors
4 directors, last change in 2023
Board 4
Current
Current
Current
Karadeg LAMBERTY
Current
Administrateur représentant les intérêts de la wallonie · current term since 25-05-2023 · 5-year term from 2023 · listed in the 2025 annual accounts, filed on 13-04-2026
Statutory auditor 1
DELOITTE
Current
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Article 16 - Représentation de la société Sans préjudice du pouvoir général de représentation du conseil d'administration en tant que…”
deed of 25-05-2023Owners and capital
Shareholders
2 ownersChain of control
- BNP PARIBASFR
- BNP Paribas Fortis
- CREDISSIMO
Owners 2
- BNP Paribas Fortisparent100%
- Equity €544,310 Loss of €5,854 in 2025 (profit of €5,364 in 2024) Checked score 950.01%
Owners through the years 2008 to 2025
| Name | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BNP Paribas Fortis | consolidates | 100% | ||||||||||||||||
| Genfinance International | listed | 0.01% | listed | 0.01% | ||||||||||||||
| BNP PARIBAS | consolidates | |||||||||||||||||
Source: shareholder structure in its own accounts, parent in its own accounts, lists of holdings in the owners' accounts
Capital transactions
Capital over time
- 25-05-2023 Capital stated in the deed · €1,600,000
Mandate history
9 people, 5 in office
- Board
- Statutory auditor
- mandate already running before its first mention
- end not dated
| Name | Functions and periods |
|---|---|
| Karadeg LAMBERTY |
|
| Anne-Michèle KOCH |
|
| Bernard JOUAN |
|
| Yves DEGEY |
|
| DELOITTE |
|
| Defoitte Bedrijf revisoren |
|
| PwC Reviseurs d'Entreprises |
|
| Pascal Mackels |
|
| Bernard DUBOIS |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 3 directors
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 125,000 shares
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Cession d'actions, participation des personnes morales de droit public n'atteint pas 25% du capital”
Articles of association, deed of 25-05-2023 (in French)
Network & group
Part of the group
BNP PARIBAS
55 companies
Group, risk and exposure
Connections & network
4 current directorsThe network starts from the directors of CREDISSIMO. Every other company they run is a node.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Deeds, filings and financial milestones
Deadline for the 2026 accounts:
2026
13-04
full format · 109 days before the deadline
2025
31-12
Financial
Equity above €25mequity €25.4m ▲3%
With a profit in every financial year since 2018, equity grows to €25.4m.
12-02
full format · 169 days before the deadline
2024
05-07
Gazette deed
Resignation: PwC Reviseurs d'Entreprises (statutory auditor)Appointment: Defoitte Bedrijf revisoren (statutory auditor)3 points ▸
Gazette deed
Resignation: PwC Reviseurs d'Entreprises (statutory auditor)
Appointment: Defoitte Bedrijf revisoren (statutory auditor)3 points ▸
- General meeting, 13-02-2024
- Auditor resignation, PwC Reviseurs d'Entreprises (statutory auditor)
- Auditor appointment, Defoitte Bedrijf revisoren (statutory auditor)
19-02
full format · 163 days before the deadline
2023
31-12
Financial
Highest result from 2018 to 2025net €1.1m ▲15%
The operating result of €1.1m and the net result of €1.1m are both a record.
25-05
Gazette deed
Appointment: Karadeg LAMBERTY (administrateur représentant les intérêts de la wallonie)Resignation: Pascal Mackels (director)4 points ▸
Gazette deed
Appointment: Karadeg LAMBERTY (administrateur représentant les intérêts de la wallonie)
Resignation: Pascal Mackels (director)4 points ▸
- General meeting, 22-05-2023
- Capital, €1,600,000
- Director appointment, Karadeg LAMBERTY (administrateur représentant les intérêts de la wallonie)
- Director resignation, Pascal Mackels
- The deed holds 4 more points.
28-02
Gazette deed
1 director appointed, 1 director resigning, 2 directors reappointedReappointments: Bernard JOUAN (director and chair) and Yves DEGEY (director) · Appointment: Anne-Michèle KOCH (director) · Resignation: Bernard DUBOIS (director)5 points ▸
Gazette deed
1 director appointed, 1 director resigning, 2 directors reappointed
Reappointments: Bernard JOUAN (director and chair) and Yves DEGEY (director) · Appointment: Anne-Michèle KOCH (director) · Resignation: Bernard DUBOIS (director)5 points ▸
- General meeting, 14-02-2023
- Director reappointment, Bernard JOUAN (director and chair)
- Director reappointment, Yves DEGEY
- Director appointment, Anne-Michèle KOCH
- Director resignation, Bernard DUBOIS
16-02
full format · 165 days before the deadline
2022
22-02
Gazette deed
Appointment: PwC Reviseurs d'Entreprises (statutory auditor)1 point ▸
Gazette deed
Appointment: PwC Reviseurs d'Entreprises (statutory auditor)
1 point ▸
- Auditor appointment, PwC Reviseurs d'Entreprises (statutory auditor)
11-02
full format · 170 days before the deadline
2021
12-02
full format · 169 days before the deadline
Show earlier events
2020
14-02
full format · 168 days before the deadline
2019
14-02
full format · 167 days before the deadline
2018
19-02
full format · 162 days before the deadline
2017
15-02
full format · 166 days before the deadline
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
CREDISSIMO in French
Name in the Peppol Directory
CREDISSIMO PRETS HYPOTHECAIRES
Enterprise number
0403.977.482
LEI code
52990067VGJRAUNMQ188
live in the LEI register
Legal form
Public limited company
Status
Active, normal situation
Founded
11-10-1912
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 25-05-2023 (in French)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région Wallonne”
deed of 25-05-2023 (in French)Registered office and establishments
Registered office
Rue des Prémontrés 4, 4000 Liège, Belgium
Establishment units
CREDISSIMO, Rue des Prémontrés 4, 4000 Liège since 01-10-1912 · unit number 2.003.250.433
CREDISSIMO, Rue Cockerill 134-136, 4100 Seraing since 01-04-2005 · unit number 2.145.305.943
Activities
NACEBEL 202564922
Financial service activities, except insurance and pension funding main activity
Codes under NACEBEL 2008
64922
Financial service activities, except insurance and pension funding main activity
Codes under NACEBEL 2003
65222
main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 25-05-2023 (in French)
“Consentir les prêts ou ouvertures de crédit garantis par hypothèque et remboursables par paiements échelonnés; Dénoncer ces prêts ou…”
7 activities
- Consentir les prêts ou ouvertures de crédit garantis par hypothèque et remboursables par paiements échelonnés;
- Dénoncer ces prêts ou ouvertures de crédit et prendre toutes les mesures amiables ou contentieuses d’exécution des sûretés accordées.
- Elle peut cautionner les engagements de tiers,payer en leur lieu et place,avec subrogation entraînant garantie hypothécaire.
- Acquérir des immeubles qui seraient exposés en vente en suite de la procédure d’exécution à l’encontre d’un de ses débiteurs ou en suite de surenchères sur aliénation volontaire ou sur licitation et les revendre dans les meilleures conditions et délais.
- Conclure toutes opérations d’assurances qui sont de nature à garantir la bonne fin des prêts hypothécaires consentis pour la construction,l’achat la transformation ou l’amélioration d’un logement.
- Elle peut emprunter sous forme de prêts ou d’ouvertures de crédit avec ou sans constitution de garanties.
- Son objet consiste en l’instruction,l’octroi et la gestion de prêts en vue de la construction,de l’achat ou de l’aménagement d’habitations sociales ou assimilées aux conditions tarifaires et autres fixées dans le règlement du crédit hypothécaire social tel qu’adopté par le Gouvernement wallon et aux taux déterminés par la SWCS et approuvés par le Gouvernement
Invoicing and payment
VAT number
BE 0403.977.482
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Tuesday of February
deed of 25-05-2023 (in French)Sites & property
Location
Buildings and parcels at the addresses
Ground area
1,958 m²
Building footprint
544 m²
Building volume
11,478 m³
Tallest building: 26.5 m.
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62803A1417/00S000 | Wallonia | 1,265 m² | 1 · 490 m² | 26.5 m · 8 |
| 62352E0126/00V017 | Wallonia | 693 m² | 1 · 54 m² | 11.6 m · 4 |