Summary
ELANTIS 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 €20.75M and a net result of €2.16M. Equity is shrinking by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 9% of 2394 sector peers (fiscal year 2025). The company has been active since 1913 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
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 9% of 2394 sector peers (2025).
NBB · sector comparisonPosition among 2394 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 30-03-2026, 123 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
123 d early
2024
126 d early
2023
107 d early
2022
126 d early
2021
80 d early
2020
130 d early
2019
126 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€20.75M=
2024 · €20.75M
2018: €31.06M
2019: €31.19M
2020: €31.22M
2021: €20.75M
2022: €20.75M
2023: €20.75M
2024: €20.75M
2018 → 2025
Net result
€2.16M▼ 51.4%
2024 · €4.45M
2018: €2.89M
2019: €3.13M
2020: €3.03M
2021: €3.40M
2022: €3.28M
2023: €3.97M
2024: €4.45M
2018 → 2025
Total assets
€324.45M▲ 27.8%
2024 · €253.93M
2018: €167.54M
2019: €145.10M
2020: €177.63M
2021: €220.81M
2022: €241.08M
2023: €257.58M
2024: €253.93M
2018 → 2025
Solvency
6.4%▼ 1.8pp
2024 · 8.2%
2018: 18.5%
2019: 21.5%
2020: 17.6%
2021: 9.4%
2022: 8.6%
2023: 8.1%
2024: 8.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€16.69M-€18.06M▲ 8.2%€18.92M▲ 4.7%€21.34M▲ 12.8%€24.92M▲ 16.7%
Equity€20.75M-€20.75M=€20.75M=€20.75M=€20.75M=
Operating result€4.22M-€4.19M▼ 0.6%€4.83M▲ 15.2%€5.44M▲ 12.8%€2.55M▼ 53.1%
Net result€3.40M-€3.28M▼ 3.3%€3.97M▲ 21.0%€4.45M▲ 12.0%€2.16M▼ 51.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €324.45M
Fixed assets
€385k ▼ 12.3%
Current assets
€324.07M ▲ 27.8%
Equity and liabilities €324.45M
Equity
€20.75M =
Provisions
€1.70M ▼ 13.8%
Debt
€302.00M ▲ 30.6%
Debt's share of the balance-sheet total rises from 91.1% to 93.1%. Debt is higher.
Key figures and ratios
ROE
10.4%▼
2024 · 21.4%
ROA
0.7%▼
2024 · 1.8%
Debt ≤ 1 year
€117.76M▲
2024 · €110.97M
Debt > 1 year
€183.70M▲
2024 · €119.82M
Income taxes
€765k▼
2024 · €1.53M
Staff costs
€5.57M▲
2024 · €5.13M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 76 lines
Balance sheet
Code20242025
Assets
Total assets20/58€253.93M€324.45M▲
Fixed assets21/28€438k€385k▼
Tangible fixed assets22/27€438k€385k▼
Land and buildings22€392k€362k▼
Plant, machinery and equipment23€46k€17k▼
Furniture and vehicles24€0€5k▲
Current assets29/58€253.49M€324.07M▲
Amounts receivable after more than one year29€213.94M€285.10M▲
Trade receivables290€213.94M€285.10M▲
Amounts receivable within one year40/41€7.93M€8.21M▲
Trade receivables40€7.83M€8.06M▲
Other amounts receivable41€98k€151k▲
Current investments50/53€7.86M€3.99M▼
Other investments51/53€7.86M€3.99M▼
Cash at bank and in hand54/58€19.51M€20.41M▲
Deferred charges and accrued income490/1€4.24M€6.35M▲
Equity and liabilities
Total equity and liabilities10/49€253.93M€324.45M▲
Equity10/15€20.75M€20.75M=
Contributions10/11€3.00M€3.00M=
Capital10€3.00M€3.00M=
Issued capital100€3.00M€3.00M=
Reserves13€17.75M€17.75M=
Non-distributable reserves130/1€300k€300k=
Legal reserve130€300k€300k=
Tax-exempt reserves132€9k€9k=
Distributable reserves133€17.44M€17.44M=
Provisions and deferred taxes16€1.98M€1.70M▼
Provisions for liabilities and charges160/5€1.98M€1.70M▼
Other liabilities and charges164/5€1.98M€1.70M▼
Amounts payable17/49€231.21M€302.00M▲
Amounts payable after more than one year17€119.82M€183.70M▲
Financial debts170/4€119.82M€183.70M▲
Credit institutions173€119.82M€183.70M▲
Amounts payable within one year42/48€110.97M€117.76M▲
Current portion of amounts payable after more than one year42€97.25M€104.53M▲
Trade debts44€7.95M€9.85M▲
Suppliers440/4€1.23M€1.12M▼
Bills of exchange payable441€6.73M€8.73M▲
Advances received on contracts in progress46€279k€143k▼
Taxes, remuneration and social security45€1.04M€1.07M▲
Taxes450/3€148k€144k▼
Remuneration and social security454/9€892k€927k▲
Other amounts payable47/48€4.45M€2.16M▼
Accrued charges and deferred income492/3€423k€544k▲
Income statement
Code20242025
Operating income70/76A€38.35M€40.88M▲
Turnover70€21.34M€24.92M▲
Other operating income74€17.01M€15.96M▼
Operating charges60/66A€32.91M€38.32M▲
Goods for resale, raw materials and consumables60€7.68M€9.79M▲
Purchases600/8€7.68M€9.79M▲
Services and other goods61€19.67M€22.44M▲
Remuneration, social security and pensions62€5.13M€5.57M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€59k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-222k€-74k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-231k€-273k▼
Other operating charges640/8€802k€800k▼
Operating profit (loss)9901€5.44M€2.55M▼
Financial income75/76B€569k€402k▼
Recurring financial income75€569k€402k▼
Income from current assets751€334k€172k▼
Other financial income752/9€235k€229k▼
Financial charges65/66B€30k€30k▼
Recurring financial charges65€30k€30k▼
Debt charges650€14k€14k▼
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€-65€677▲
Other financial charges652/9€16k€15k▼
Profit (loss) for the period before taxes9903€5.98M€2.93M▼
Income taxes67/77€1.53M€765k▼
Taxes670/3€1.53M€769k▼
Tax adjustments and reversals of tax provisions77-€4k
Profit (loss) for the period9904€4.45M€2.16M▼
Profit (loss) for the period to be appropriated9905€4.45M€2.16M▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.45M€2.16M▼
Profit to be distributed694/7€4.45M€2.16M▼
Return on contributions (dividend)694€4.45M€2.16M▼
Social balance
Average headcount (FTE)908748.852.5▲
The notes to these accounts (59 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
14-01
State Gazette act
Resignations & appointmentsPower of attorney · Revocation15 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Revocation15 facts ▸
- Power of attorney, DEMAZY Philippe
- Power of attorney, CAPETO TORRES Aurélina
- Power of attorney, MAHIEU Thierry
- Power of attorney, MENU Daniel
- Power of attorney, NEUVILLE Nathalie
- Power of attorney, NOSSENT Nathalie
- Power of attorney, DAVIDTS Séverine
- Power of attorney, PAUWELS Ken
- Power of attorney, BAUDUIN Frédéric
- Power of attorney, SWEGERYNEN Pascale
- Power of attorney, CAPETO Marie-Hélène
- Power of attorney, COLLARD Joëlle
- +3 further facts in this act
2025
31-12
Financial
Weakest financial yearnet €2.16M ▼51.4%
Net result drops to €2.16M, the lowest in the series.
25-09
State Gazette act
Resignation: SPINNAEL Ilse (director)Appointments: NEYENS Mia (director) and MENU Daniel (director) · Reappointment: DEMAZY Philippe (managing director) · Director discharge16 facts ▸
State Gazette act
Resignation: SPINNAEL Ilse (director)
Appointments: NEYENS Mia (director) and MENU Daniel (director) · Reappointment: DEMAZY Philippe (managing director) · Director discharge16 facts ▸
- General meeting, 20/03/2025
- Director discharge, MICHIELS Emmanuel
- Director discharge, DEMAZY Philippe
- Director discharge, BAILLIEUL Matthias
- Director discharge, VERSTRAETEN Erik
- Director discharge, NEYENS Mia
- Director discharge, BOGAERTS Jeroen
- Director discharge, SPINNAEL Ilse
- Director discharge, KPMG Réviseurs d'Entreprises BV/SRL
- Director discharge, MACQ Olivier
- Director resignation, SPINNAEL Ilse
- Director appointment, NEYENS Mia (director)
- +4 further facts in this act
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €4.45M ▲12%
Operating result €5.44M, net result €4.45M, both a record.
31-10
State Gazette act
Reappointment: MICHIELS Emmanuel (director)Resignations: BOGAERTS Jeroen, DEWAELE Ann and SPINNAEL Ilse · Appointments: MICHIELS Emmanuel (chair of the board) and NEYENS Mia (director) · Director discharge18 facts ▸
State Gazette act
Reappointment: MICHIELS Emmanuel (director)
Resignations: BOGAERTS Jeroen, DEWAELE Ann and SPINNAEL Ilse · Appointments: MICHIELS Emmanuel (chair of the board) and NEYENS Mia (director) · Director discharge18 facts ▸
- General meeting, 29/03/2024
- Director reappointment, MICHIELS Emmanuel (director)
- Director resignation, BOGAERTS Jeroen (director)
- Director discharge, MICHIELS Emmanuel
- Director discharge, DEMAZY Philippe
- Director discharge, BOGAERTS Jeroen
- Director discharge, BAILLIEUL Matthias
- Director discharge, VERSTRAETEN Erik
- Director discharge, SPINNAEL Ilse
- Director discharge, DEWAELE Ann
- Director resignation, DEWAELE Ann (director)
- Director discharge, KPMG Réviseurs d'Entreprises BV/SRL
- +6 further facts in this act
15-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
06-11
State Gazette act
Resignation: Ann DEWAELE (director)1 fact ▸
State Gazette act
Resignation: Ann DEWAELE (director)
1 fact ▸
- Director resignation, Ann DEWAELE (director)
28-04
State Gazette act
Appointments: Jeroen BOGAERTS, KPMG Réviseurs d'Entreprises BV/SRL and Phillipe DEMAZYResignations: Christophe DEMAIN (director) and Frédéric VAN DER SCHUEREN (director) · Reappointments: Phillipe DEMAZY, Ilse SPINNAEL and Frédéric VAN DER SCHUEREN · Permanent representative: Olivier Macq27 facts ▸
State Gazette act
Appointments: Jeroen BOGAERTS, KPMG Réviseurs d'Entreprises BV/SRL and Phillipe DEMAZY
Resignations: Christophe DEMAIN (director) and Frédéric VAN DER SCHUEREN (director) · Reappointments: Phillipe DEMAZY, Ilse SPINNAEL and Frédéric VAN DER SCHUEREN · Permanent representative: Olivier Macq27 facts ▸
- General meeting, 22/04/2022
- Director appointment, Jeroen BOGAERTS (director)
- Director resignation, Christophe DEMAIN
- Director reappointment, Phillipe DEMAZY (director)
- Director reappointment, Ilse SPINNAEL (director)
- Director reappointment, Frédéric VAN DER SCHUEREN (director)
- Director resignation, Frédéric VAN DER SCHUEREN
- Director discharge, Frédéric VAN DER SCHUEREN
- Director discharge, Phillipe DEMAZY
- Director discharge, Christophe DEMAIN
- Director discharge, Emmanuel MICHIELS
- Director discharge, Arnaud DELPUTZ
- +15 further facts in this act
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
15-02
State Gazette act
Permanent representative: Olivier Macq2 facts ▸
State Gazette act
Permanent representative: Olivier Macq
2 facts ▸
- Board meeting, 30/11/2022
- Permanent representative, Olivier Macq (permanent representative)
Show earlier events
2022
06-12
State Gazette act
Resignation: Frédéric VAN DER SCHUEREN (director and chair of the board)Appointments: Matthias BAILLIEUL, Erik VERSTRAETEN and 2 others7 facts ▸
State Gazette act
Resignation: Frédéric VAN DER SCHUEREN (director and chair of the board)
Appointments: Matthias BAILLIEUL, Erik VERSTRAETEN and 2 others7 facts ▸
- Director resignation, Frédéric VAN DER SCHUEREN (director and chair of the board)
- Director appointment, Matthias BAILLIEUL (director)
- Director appointment, Erik VERSTRAETEN (director)
- Director appointment, Ann DEWAELE (director)
- Director appointment, Emmanuel MICHIELS (chair)
- General meeting, 16/09/2022
- Board meeting, 21/09/2022
12-07
State Gazette act
Resignation: Anaud Delputz (director)2 facts ▸
State Gazette act
Resignation: Anaud Delputz (director)
2 facts ▸
- Director resignation, Anaud Delputz (director)
- General meeting, 22.04.2022
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-10
State Gazette act
Resignation: Christophe Demain (director)Appointment: Jeroen Bogaerts (director) · Reappointment: Philippe Demazy (managing director) · Mandate compensation5 facts ▸
State Gazette act
Resignation: Christophe Demain (director)
Appointment: Jeroen Bogaerts (director) · Reappointment: Philippe Demazy (managing director) · Mandate compensation5 facts ▸
- Director resignation, Christophe Demain (director)
- Board meeting, 27/05/2021
- Director appointment, Jeroen Bogaerts (director)
- Mandate compensation, Jeroen Bogaerts
- Director reappointment, Philippe Demazy (managing director)
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
13-07
State Gazette act
Resignation: Michel LUTTGENS (director and chair of the board)Appointments: Frédéric VAN DER SCHUEREN (director) and KPMG Réviseurs d'entreprises SCRL (statutory auditor) · Reappointments: Christophe DEMAIN, Emmanuel MICHIELS and Arnaud DELPUTZ · Mandate compensation19 facts ▸
State Gazette act
Resignation: Michel LUTTGENS (director and chair of the board)
Appointments: Frédéric VAN DER SCHUEREN (director) and KPMG Réviseurs d'entreprises SCRL (statutory auditor) · Reappointments: Christophe DEMAIN, Emmanuel MICHIELS and Arnaud DELPUTZ · Mandate compensation19 facts ▸
- General meeting, 19/03/2020
- Director resignation, Michel LUTTGENS (director and chair of the board)
- Director resignation, Michel LUTTGENS (day-to-day manager)
- Director appointment, Frédéric VAN DER SCHUEREN (director)
- Mandate compensation, Frédéric VAN DER SCHUEREN
- Director reappointment, Christophe DEMAIN (director)
- Mandate compensation, Christophe DEMAIN
- Director reappointment, Emmanuel MICHIELS (director)
- Mandate compensation, Emmanuel MICHIELS
- Director reappointment, Arnaud DELPUTZ (director)
- Mandate compensation, Arnaud DELPUTZ
- Director discharge, Michel LUTTGENS
- +7 further facts in this act
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
14-01
State Gazette act
Statutes amendmentCapital · Power of attorney5 facts ▸
State Gazette act
Statutes amendment
Capital · Power of attorney5 facts ▸
- General meeting, 18/12/2019
- Statutes amendment
- Statutes amendment
- Capital, €3.000.000
- Power of attorney, Sophie Maquet
2019
17-05
State Gazette act
Appointment: Ilse Spinnael (administrateur coopté)Resignation: Martine Gélissen (director) · Director discharge10 facts ▸
State Gazette act
Appointment: Ilse Spinnael (administrateur coopté)
Resignation: Martine Gélissen (director) · Director discharge10 facts ▸
- General meeting, 21/03/2019
- Director appointment, Ilse Spinnael (administrateur coopté)
- Director resignation, Martine Gélissen (director)
- Director discharge, Michel Luttgens
- Director discharge, Philippe Demazy
- Director discharge, Emmanuel Michiels
- Director discharge, Christophe Demain
- Director discharge, Arnaud Delputz
- Director discharge, Martine Gélissen
- Director discharge, statutory auditor
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-07
State Gazette act
Resignations & appointmentsPower of attorney4 facts ▸
State Gazette act
Resignations & appointments
Power of attorney4 facts ▸
- Power of attorney, Philippe Guy Marie Gérard DEMAZY
- Power of attorney, Nathalie NEUVILLE
- Power of attorney, Pascale SWEGERYNEN
- Power of attorney, Philippe Guy Marie Gérard DEMAZY
24-04
State Gazette act
Appointments: Arnaud Delputz (administrateur coopté) and Philippe Demazy (managing director)Resignations: Dirk Smet, Cécile Flandre and Michel Vanhaeren · Reappointments: Philippe Demazy, Martine Gélissen and Michel Luttgens · Director discharge19 facts ▸
State Gazette act
Appointments: Arnaud Delputz (administrateur coopté) and Philippe Demazy (managing director)
Resignations: Dirk Smet, Cécile Flandre and Michel Vanhaeren · Reappointments: Philippe Demazy, Martine Gélissen and Michel Luttgens · Director discharge19 facts ▸
- General meeting, 22/03/2018
- Director appointment, Arnaud Delputz (administrateur coopté)
- Director resignation, Dirk Smet
- Director resignation, Cécile Flandre
- Director resignation, Michel Vanhaeren
- Director discharge, Martine Gélissen
- Director discharge, Michel Luttgens
- Director discharge, Philippe Demazy
- Director discharge, Emmanuel Michiels
- Director discharge, Christophe Demain
- Director discharge, Arnaud Delputz
- Director discharge, Dirk Smet
- +7 further facts in this act
16-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
19-12
State Gazette act
Resignation: Michel VANHAEREN (director)Director discharge3 facts ▸
State Gazette act
Resignation: Michel VANHAEREN (director)
Director discharge3 facts ▸
- Board meeting, 29/11/2017
- Director resignation, Michel VANHAEREN (director)
- Director discharge, Michel VANHAEREN
06-11
State Gazette act
Resignation: Cécile Flandre (director)Director discharge3 facts ▸
State Gazette act
Resignation: Cécile Flandre (director)
Director discharge3 facts ▸
- Board meeting, 13/09/2017
- Director resignation, Cécile Flandre (director)
- Director discharge, Cécile Flandre
12-07
State Gazette act
Resignation: Dirk Smet (director)Appointment: Arnaud Delputz (administrateur coopté) · Mandate compensation4 facts ▸
State Gazette act
Resignation: Dirk Smet (director)
Appointment: Arnaud Delputz (administrateur coopté) · Mandate compensation4 facts ▸
- Board meeting, 31/05/2017
- Director resignation, Dirk Smet (director)
- Director appointment, Arnaud Delputz (administrateur coopté)
- Mandate compensation, Arnaud Delputz
27-06
State Gazette act
Appointments: Emmanuel Michiels, Deloitte, Réviseurs d'entreprises and Philippe DemazyResignation: Sabine Wuiame (director) · Director discharge14 facts ▸
State Gazette act
Appointments: Emmanuel Michiels, Deloitte, Réviseurs d'entreprises and Philippe Demazy
Resignation: Sabine Wuiame (director) · Director discharge14 facts ▸
- General meeting, 24/03/2017
- Director appointment, Emmanuel Michiels (director)
- Director resignation, Sabine Wuiame
- Director discharge, Sabine Wuiame
- Director discharge, Cécile Flandre
- Director discharge, Martine Gélissen
- Director discharge, Michel Luttgens
- Director discharge, Philippe Demazy
- Director discharge, Emmanuel Michiels
- Director discharge, Christophe Demain
- Director discharge, Dirk Smet
- Director discharge, Michel Vanhaeren
- +2 further facts in this act
19-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
24-11
State Gazette act
Resignation: Sabine Wuiame (director)Appointment: Emmanuel Michiels (director) · Mandate compensation4 facts ▸
State Gazette act
Resignation: Sabine Wuiame (director)
Appointment: Emmanuel Michiels (director) · Mandate compensation4 facts ▸
- Board meeting, 19-09-2016
- Director resignation, Sabine Wuiame (director)
- Director appointment, Emmanuel Michiels (director)
- Mandate compensation, Emmanuel Michiels
20-05
State Gazette act
Appointments: Martine Gélissen, Cécile Flandre and 4 othersResignation: Jan Ottoy (director) · Director discharge9 facts ▸
State Gazette act
Appointments: Martine Gélissen, Cécile Flandre and 4 others
Resignation: Jan Ottoy (director) · Director discharge9 facts ▸
- General meeting, 24/03/2016
- Director appointment, Martine Gélissen (administrateur coopté)
- Director resignation, Jan Ottoy
- Director discharge, Jan Ottoy
- Director appointment, Cécile Flandre (director)
- Director appointment, Sabine Wuiame (director)
- Director appointment, Michel Vanhaeren (director)
- Director appointment, Christophe Demain (director)
- Director appointment, Dirk Smet (director)
31-03
State Gazette act
Purpose · Statutes amendmentPurpose change2 facts ▸
State Gazette act
Purpose · Statutes amendment
Purpose change2 facts ▸
- General meeting, 09/03/2016
- Purpose change, La société a pour objet de développer, octroyer, gérer et recouvrír, toutes formes de crédit au profit de particuliers ou d'entreprises, et notamment des opérat…
13-01
State Gazette act
Resignation: Jan Ottoy (director)Appointment: Martine Gélissen (administrateur coopté) · Mandate compensation5 facts ▸
State Gazette act
Resignation: Jan Ottoy (director)
Appointment: Martine Gélissen (administrateur coopté) · Mandate compensation5 facts ▸
- Board meeting, 18/11/2015
- Director resignation, Jan Ottoy (director)
- Director appointment, Martine Gélissen (administrateur coopté)
- Mandate compensation, Martine Gélissen
- General meeting, 24/03/2016
2015
12-05
State Gazette act
Appointment: Michel Luttgens (director)Resignation: Luc Rasschaert (director) · Mandate compensation · Director discharge5 facts ▸
State Gazette act
Appointment: Michel Luttgens (director)
Resignation: Luc Rasschaert (director) · Mandate compensation · Director discharge5 facts ▸
- General meeting, 19/03/2015
- Director appointment, Michel Luttgens (director)
- Mandate compensation, Michel Luttgens
- Director resignation, Luc Rasschaert (director)
- Director discharge, Luc Rasschaert
2014
11-12
State Gazette act
Resignation: Luc Rasschaert (director)Appointment: Michel Luttgens (director) · Mandate compensation6 facts ▸
State Gazette act
Resignation: Luc Rasschaert (director)
Appointment: Michel Luttgens (director) · Mandate compensation6 facts ▸
- Board meeting, 09/10/2014
- Director resignation, Luc Rasschaert (director)
- Director resignation, Luc Rasschaert (chair of the board)
- Director appointment, Michel Luttgens (director)
- Director appointment, Michel Luttgens (chair of the board)
- Mandate compensation, Michel Luttgens
23-04
State Gazette act
Appointments: Christophe Demain, Etienne Bernard and SCRL Deloitte, Réviseurs d'entreprisesResignations: Marc Raisière (director) and Michel Luttgens (director) · Reappointments: Philippe Demazy (director) and Jan Ottoy (director) · Director discharge10 facts ▸
State Gazette act
Appointments: Christophe Demain, Etienne Bernard and SCRL Deloitte, Réviseurs d'entreprises
Resignations: Marc Raisière (director) and Michel Luttgens (director) · Reappointments: Philippe Demazy (director) and Jan Ottoy (director) · Director discharge10 facts ▸
- General meeting
- Director appointment, Christophe Demain (director)
- Director appointment, Etienne Bernard (director)
- Director resignation, Marc Raisière
- Director resignation, Michel Luttgens
- Director discharge, Marc Raisière
- Director discharge, Michel Luttgens
- Director reappointment, Philippe Demazy (director)
- Director reappointment, Jan Ottoy (director)
- Auditor appointment, SCRL Deloitte, Réviseurs d'entreprises (commissaire réviseur)
27-03
State Gazette act
Appointments: Christophe Demain, Etienne Bernard and Luc RasschaertResignations: Marc Raisière (director) and Michel Luttgens (director) · Mandate compensation9 facts ▸
State Gazette act
Appointments: Christophe Demain, Etienne Bernard and Luc Rasschaert
Resignations: Marc Raisière (director) and Michel Luttgens (director) · Mandate compensation9 facts ▸
- Board meeting, 20/02/2014
- Director appointment, Christophe Demain (director)
- Director resignation, Marc Raisière (director)
- Director appointment, Etienne Bernard (director)
- Director resignation, Michel Luttgens (director)
- Director appointment, Luc Rasschaert (chair of the board)
- Director resignation, Marc Raisière (chair of the board)
- Mandate compensation, Christophe Demain
- Mandate compensation, Etienne Bernard
11-03
State Gazette act
Resignations: Marc RAISIERE (director) and Michel LUTTGENS (director)Appointment: Philippe DEMAZY (managing director)3 facts ▸
State Gazette act
Resignations: Marc RAISIERE (director) and Michel LUTTGENS (director)
Appointment: Philippe DEMAZY (managing director)3 facts ▸
- Director resignation, Marc RAISIERE (director)
- Director resignation, Michel LUTTGENS (director)
- Director appointment, Philippe DEMAZY (managing director)
2013
25-09
State Gazette act
Permanent representatives: Bernard De Meulemeester, Dirk Vlaminckx and Frank VerhaegenEnd date4 facts ▸
State Gazette act
Permanent representatives: Bernard De Meulemeester, Dirk Vlaminckx and Frank Verhaegen
End date4 facts ▸
- Permanent representative, Bernard De Meulemeester
- Permanent representative, Dirk Vlaminckx
- Permanent representative, Frank Verhaegen
- End date, 31/12/2013
14-05
State Gazette act
Resignations & appointmentsPower of attorney1 fact ▸
State Gazette act
Resignations & appointments
Power of attorney1 fact ▸
- Power of attorney, Crefius
14-05
State Gazette act
Resignations & appointmentsPower of attorney1 fact ▸
State Gazette act
Resignations & appointments
Power of attorney1 fact ▸
- Power of attorney, Crefius
09-01
State Gazette act
Appointment: Sabine WUIAME (director)Mandate compensation3 facts ▸
State Gazette act
Appointment: Sabine WUIAME (director)
Mandate compensation3 facts ▸
- General meeting, 05/11/2012
- Director appointment, Sabine WUIAME (director)
- Mandate compensation, Sabine WUIAME
2012
03-10
State Gazette act
Resignations: Christophe Burm, Pieter Falepin and 2 othersAppointments: Marc Raisière, Cécile Flandre and 3 others · Mandate compensation18 facts ▸
State Gazette act
Resignations: Christophe Burm, Pieter Falepin and 2 others
Appointments: Marc Raisière, Cécile Flandre and 3 others · Mandate compensation18 facts ▸
- General meeting, 31/08/2012
- Board meeting, 10/09/2012
- Director resignation, Christophe Burm (director)
- Director resignation, Pieter Falepin (director)
- Director resignation, Noël Pieters (director)
- Director appointment, Marc Raisière (director)
- Director appointment, Cécile Flandre (director)
- Director appointment, Luc Rasschaert (director)
- Director appointment, Michel Vanhaeren (director)
- Director appointment, Michel Luttgens (director)
- Director resignation, Jan Ottoy (chair of the board)
- Director appointment, Marc Raisière (chair of the board)
- +6 further facts in this act
20-06
State Gazette act
Reappointments: Christophe Burm (director) and Pieter Falepin (director)Mandate compensation5 facts ▸
State Gazette act
Reappointments: Christophe Burm (director) and Pieter Falepin (director)
Mandate compensation5 facts ▸
- General meeting, 22/03/2012
- Director reappointment, Christophe Burm (director)
- Director reappointment, Pieter Falepin (director)
- Mandate compensation, Christophe Burm
- Mandate compensation, Pieter Falepin
07-06
State Gazette act
Resignations & appointmentsPower of attorney5 facts ▸
State Gazette act
Resignations & appointments
Power of attorney5 facts ▸
- Power of attorney, ULRICHS Betty
- Power of attorney, SWEGERYNEN Pascale
- Power of attorney, HUSDEN Etienne
- Power of attorney, SCHIEPERS-REGGERS Catherine
- Power of attorney, DESSIS-SWENNEN Anne
2011
16-05
State Gazette act
Appointment: Deloitte (commissaire réviseur)2 facts ▸
State Gazette act
Appointment: Deloitte (commissaire réviseur)
2 facts ▸
- General meeting, 24/03/2011
- Auditor appointment, Deloitte (commissaire réviseur)
2010
10-05
State Gazette act
Resignations: Geert DE BAERE (director) and Daniel MENU (director)Appointments: Noel PIETERS, Jan OTTOY and Philippe DEMAZY · Director discharge · Mandate compensation12 facts ▸
State Gazette act
Resignations: Geert DE BAERE (director) and Daniel MENU (director)
Appointments: Noel PIETERS, Jan OTTOY and Philippe DEMAZY · Director discharge · Mandate compensation12 facts ▸
- General meeting, 18/03/2010
- Director resignation, Geert DE BAERE (director)
- Director resignation, Daniel MENU (director)
- Director discharge, Geert DE BAERE
- Director discharge, Daniel MENU
- Director appointment, Noel PIETERS (director)
- Director appointment, Jan OTTOY (director)
- Director appointment, Philippe DEMAZY (director)
- Director appointment, Philippe DEMAZY (managing director)
- Mandate compensation, Noel PIETERS
- Mandate compensation, Jan OTTOY
- Mandate compensation, Philippe DEMAZY
26-01
State Gazette act
Resignations: Geert DE BAERE (director) and Daniel MENU (director)Appointments: Noel PIETERS (director) and Jan OTTOY (director) · Mandate compensation9 facts ▸
State Gazette act
Resignations: Geert DE BAERE (director) and Daniel MENU (director)
Appointments: Noel PIETERS (director) and Jan OTTOY (director) · Mandate compensation9 facts ▸
- Board meeting, 23/09/2009
- Director resignation, Geert DE BAERE (director)
- Director appointment, Noel PIETERS (director)
- Mandate compensation, Noel PIETERS
- Board meeting, 25/11/2009
- Director resignation, Daniel MENU (director)
- Director appointment, Jan OTTOY (director)
- Mandate compensation, Jan OTTOY
- Director appointment, Jan OTTOY (chair of the board)
2008
05-06
State Gazette act
Resignations: Roland Blomme (director) and Jacquet-Hermans (commissaire réviseur)Reappointment: Christophe Burm (director) · Appointment: SCRL Deloitte (commissaire réviseur) · Permanent representative: Bernard Demeulemeester9 facts ▸
State Gazette act
Resignations: Roland Blomme (director) and Jacquet-Hermans (commissaire réviseur)
Reappointment: Christophe Burm (director) · Appointment: SCRL Deloitte (commissaire réviseur) · Permanent representative: Bernard Demeulemeester9 facts ▸
- General meeting, 20/03/2008
- Director resignation, Roland Blomme (director)
- Director discharge, Roland Blomme
- Director reappointment, Christophe Burm (director)
- Mandate compensation, Christophe Burm
- Director resignation, Jacquet-Hermans (commissaire réviseur)
- Director discharge, Jacquet-Hermans
- Auditor appointment, SCRL Deloitte (commissaire réviseur)
- Permanent representative, Bernard Demeulemeester
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 directors, no change since 2025
MENU Daniel
CurrentDirector · since 15-07-2025
NEYENS Mia
CurrentDirector · since 18-09-2024
BAILLIEUL Matthias
CurrentDirector · since 08-11-2022
VERSTRAETEN Erik
CurrentDirector · since 08-11-2022
Phillipe DEMAZY
CurrentManaging director · since 22-04-2022
MICHIELS Emmanuel
CurrentChair of the board · since 15-09-2016
3 other directors
DEMAZY Philippe
CurrentManaging director · since 18-03-2010
Delputz Arnaud
Not recently confirmedAdministrateur coopté · since 31-05-2017
Etienne Bernard
Not recently confirmedDirector · since 20-02-2014
15-07-2025
MENU Daniel: Appointed as Director
31-10-2024
BOGAERTS Jeroen: Resigned as Director
18-09-2024
NEYENS Mia: Appointed as Director
12-06-2024
MICHIELS Emmanuel: Appointed as Chair of the board
12-06-2024
Spinnael Ilse: Resigned as Director
Location & real-estate footprint
Registered office, Liège · 1 establishment unit since 1983
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Clarisses 384000 LiègeGround area
663 m²
Building footprint
165 m²
Volume, LiDAR
2,671 m³
Parcel 62803A1526/00K002, Wallonia · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Clarisses 38, 4000 Liège
since 19832.003.165.608
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803A1526/00K002 | Wallonia | 663 m² | 1 · 165 m² | 18.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| KPMG Réviseurs d'Entreprises BV/SRLCurrent Statutory auditor · represented by Olivier Macq | 28-04-2023 → present |
Show 6 earlier auditors
| Deloitte Commissaire réviseur succeeded by SCRL Deloitte Réviseurs d'Entreprises in 2014 | 16-05-2011 → 23-04-2014 |
| Deloitte Réviseurs d'Entreprises Commissaire réviseur succeeded by KPMG Réviseurs d'Entreprises SCRL in 2020 | 27-06-2017 → 13-07-2020 |
| Jacquet-Hermans Commissaire réviseur | - → 11-02-2008 |
| KPMG Réviseurs d'Entreprises SCRL Auditor succeeded by KPMG Réviseurs d'Entreprises BV/SRL in 2023 | 13-07-2020 → 28-04-2023 |
| SCRL Deloitte Commissaire réviseur · represented by Bernard Demeulemeester succeeded by Deloitte in 2011 | 05-06-2008 → 16-05-2011 |
| SCRL Deloitte Réviseurs d'Entreprises Commissaire réviseur · represented by Dirk Vlaminckx succeeded by Deloitte Réviseurs d'Entreprises in 2017 | 23-04-2014 → 27-06-2017 |
Articles of association
Purpose
Développer, octroyer, gérer et recouvrir, toutes formes de crédit au profit de particuliers ou d'entreprises... examiner et de garantir au moyen de ses avoirs propres les…
Full purpose
Développer, octroyer, gérer et recouvrir, toutes formes de crédit au profit de particuliers ou d'entreprises... examiner et de garantir au moyen de ses avoirs propres les opérations d'avances hypothécaires... distribuer et/ou gérer des services financiers...
Structure & network
Connections & network
40 connected companiesLinked via shared directors
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Capital and shareholders
Capital over the years
- 14-01-2020 Capital stated in the act · 3,000,000 EUR · 6,464 shares
Recognitions · licences · registrations
Legal Entity Identifier
967600K2OGWG4WZUSG76
Similar companies · same sector, comparable size
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Of 56 companies in sector 64929 we hold annual accounts for 40. 14 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-01-1913
Fiscal year end31-12
Activities, NACEBEL 2025
64922Financial service activities, except insurance and pension funding
64929Financial service activities, except insurance and pension funding
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.