Active BE 0763.791.559Foreign entity

Open Bank, S.A.

Avenida de Cantabria SN ·28660 Boadilla del Monte, Spain· 5 yrs active

Sector: Overige activiteiten van geldscheppende financiële instellingen (64190)

Conclusion Checked

Open Bank, S.A. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Key figures

Active	5 yrs
Locations	2
Publications	5

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financial overview6 NBB filings

Financials being processed

NBB has 6 filing(s) on record for this company, latest fiscal year 2024 (consolidatie). The annual accounts are being processed.

Filings on record

Fiscal year	Type	Filed	Reference
31-12-2024	consolidatie	30-03-2026	2026-00074896
31-12-2023	consolidatie	10-03-2026	2026-00052489
31-12-2022	consolidatie	10-10-2023	2023-00480071
31-12-2021	consolidatie	13-07-2022	2022-20217287
31-12-2019	consolidatie	19-05-2021	2021-14700114
31-12-2019	ander	06-05-2021	2021-13500007

Legal Structure

NACE primary	Overige activiteiten van geldscheppende financiële instellingen(64190)
Legal form	Foreign entity(030)
Incorporation	01-02-2021
Status	Active
Postal code	28660

Establishment units 2 locations

Comfort Card, Vision MAX

Guldensporenpark 81, 9820 Merelbeke-MelleFinanciële lease

since 20212.324.157.315

Santander Branch Mons, Santander Consumer Bank

Chaussée de Binche 101, 7000 MonsVerstrekken van verbruikskrediet

since 20212.324.159.392

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Wallonia 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
53404B0553/00Y000	Wallonia	1.4 ha	1 · 2,919 m²	17.6 m · 3 fl.
44043A0411/00S000	Flanders	2,128 m²	1 · 1,027 m²	22.2 m · 6 fl.

Methodology

via establishment units: 2

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

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

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

30-03-2026

NBB filing Annual accounts filed

fiscal year 2024 · consolidatie

10-03-2026

NBB filing Annual accounts filed

fiscal year 2023 · consolidatie

2024

24-07-2024

State Gazette act Director changes

v3.2

2023

10-10-2023

NBB filing Annual accounts filed

fiscal year 2022 · consolidatie

23-03-2023

State Gazette act Statutes amendment

v3.2

28-02-2023

State Gazette act Registered-office change

v3.2

2022

13-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · consolidatie

2021

18-11-2021

State Gazette act Statutes amendment

v3.2

19-05-2021

NBB filing Annual accounts filed

fiscal year 2019 · consolidatie

06-05-2021

NBB filing Annual accounts filed

fiscal year 2019 · ander

26-02-2021

State Gazette act Incorporation

oprichting

Belgian State Gazette reading coverage 0 of 6 acts read

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 5 acts

Address history · 1

28-02-2023

v3.2

All acts · 5 updated 2 years ago

2024

24-07-2024 Change in the board of directors Director changes

Summary: v3.2

Original publication ↗

Technical details

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  "events": [],
  "schema": "v3.2",
  "act_meta": {
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  },
  "subject_company": {
    "kbo": "0763.791.559",
    "name_full": "SANTANDER CONSUMER FINANCE",
    "legal_form": "BUIV"
  }
}

2023

23-03-2023 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Technical details

{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": true,
    "object_change": false,
    "effective_date": "2023-03-01",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0763.791.559",
    "name_full": "SANTANDER CONSUMER FINANCE",
    "legal_form": "BUIV"
  },
  "signature_regime": null,
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}

28-02-2023 Registered office moved from Etterbeek to Merelbeke Registered-office change

Avenue des Nerviens 85, 1040 Etterbeek → Guldensporenpark 81, 9820 Merelbeke

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "werkelijke",
      "new_address": {
        "city": "Merelbeke",
        "region": "Vlaams Gewest",
        "street": "Guldensporenpark",
        "country": "BE",
        "postcode": "9820",
        "box_number": null,
        "street_number": "81"
      },
      "old_address": {
        "city": "Etterbeek",
        "region": "Brussels Gewest",
        "street": "Avenue des Nerviens",
        "country": "BE",
        "postcode": "1040",
        "box_number": null,
        "street_number": "85"
      },
      "effective_date": "2023-03-01",
      "evidence_quote": "modification de l\u0027adresse de la succursale belge de la Soci\u00E9t\u00E9 de son adresse actuelle \u00E0 Guldensporenpark 81, 9820 Merelbeke, ce changement prenant effet le 1er mars 2023"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0763.791.559",
    "name_full": "SANTANDER CONSUMER FINANCE",
    "legal_form": "SETR"
  }
}

2021

18-11-2021 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Technical details

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  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": true,
    "effective_date": "2021-06-22",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0763.791.559",
    "name_full": "SANTANDER CONSUMER FINANCE",
    "legal_form": "SETR"
  },
  "signature_regime": null,
  "special_mandates": [
    {
      "quote": "Il est d\u00E9cid\u00E9 de conf\u00E9rer \u00E0: (i) M. Manuel Menendez Barrero... un pouvoir sp\u00E9cial, aussi ample et suffisant que le droit le requiert, afin que quiconque parmi eux, individuellement... puisse: (i) Passer sous la forme authentique les d\u00E9cisions qui pr\u00E9c\u00E8dent... (ii) Compara\u00EEtre en repr\u00E9sentation de la Soci\u00E9t\u00E9 par-devant un notaire espagnol ou \u00E9tranger... (ii) Effectuer \u00E9galement, au nom et en repr\u00E9sentation de la Soci\u00E9t\u00E9 et/ou de la Succursale Belge de SCF, toutes autres actions relatives \u00E0 des questions li\u00E9es directement ou indirectement \u00E0 l\u0027autorisation, l\u0027\u00E9tablissement, l\u0027inscription, le d\u00E9but et l\u0027extension des activit\u00E9s de la Succursale Belge de SCF... (iv) \u00C9tablir tous dccuments, authentiques ou priv\u00E9s, qui s\u0027av\u00E8reraient n\u00E9cessaires ou pertinents pour l\u0027exercice des facult\u00E9s conf\u00E9r\u00E9es",
      "holder_kbo": null,
      "holder_name": "M. Manuel Menendez Barrero",
      "scope_categories": [
        "filing",
        "tax",
        "regulatory_authorities"
      ],
      "with_substitution": false
    },
    {
      "quote": "Il est d\u00E9cid\u00E9 de conf\u00E9rer \u00E0: (ii) M. Francisco Javier Ant\u00F3n San Pablo... un pouvoir sp\u00E9cial, aussi ample et suffisant que le droit le requiert, afin que quiconque parmi eux, individuellement... puisse: (i) Passer sous la forme authentique les d\u00E9cisions qui pr\u00E9c\u00E8dent... (ii) Compara\u00EEtre en repr\u00E9sentation de la Soci\u00E9t\u00E9 par-devant un notaire espagnol ou \u00E9tranger... (ii) Effectuer \u00E9galement, au nom et en repr\u00E9sentation de la Soci\u00E9t\u00E9 et/ou de la Succursale Belge de SCF, toutes autres actions relatives \u00E0 des questions li\u00E9es directement ou indirectement \u00E0 l\u0027autorisation, l\u0027\u00E9tablissement, l\u0027inscription, le d\u00E9but et l\u0027extension des activit\u00E9s de la Succursale Belge de SCF... (iv) \u00C9tablir tous dccuments, authentiques ou priv\u00E9s, qui s\u0027av\u00E8reraient n\u00E9cessaires ou pertinents pour l\u0027exercice des facult\u00E9s conf\u00E9r\u00E9es",
      "holder_kbo": null,
      "holder_name": "M. Francisco Javier Ant\u00F3n San Pablo",
      "scope_categories": [
        "filing",
        "tax",
        "regulatory_authorities"
      ],
      "with_substitution": false
    },
    {
      "quote": "Il est d\u00E9cid\u00E9 de conf\u00E9rer \u00E0: (iii) M. Pedro Tapia Ortega... un pouvoir sp\u00E9cial, aussi ample et suffisant que le droit le requiert, afin que quiconque parmi eux, individuellement... puisse: (i) Passer sous la forme authentique les d\u00E9cisions qui pr\u00E9c\u00E8dent... (ii) Compara\u00EEtre en repr\u00E9sentation de la Soci\u00E9t\u00E9 par-devant un notaire espagnol ou \u00E9tranger... (ii) Effectuer \u00E9galement, au nom et en repr\u00E9sentation de la Soci\u00E9t\u00E9 et/ou de la Succursale Belge de SCF, toutes autres actions relatives \u00E0 des questions li\u00E9es directement ou indirectement \u00E0 l\u0027autorisation, l\u0027\u00E9tablissement, l\u0027inscription, le d\u00E9but et l\u0027extension des activit\u00E9s de la Succursale Belge de SCF... (iv) \u00C9tablir tous dccuments, authentiques ou priv\u00E9s, qui s\u0027av\u00E8reraient n\u00E9cessaires ou pertinents pour l\u0027exercice des facult\u00E9s conf\u00E9r\u00E9es",
      "holder_kbo": null,
      "holder_name": "M. Pedro Tapia Ortega",
      "scope_categories": [
        "filing",
        "tax",
        "regulatory_authorities"
      ],
      "with_substitution": false
    },
    {
      "quote": "Il est d\u00E9cid\u00E9 de conf\u00E9rer \u00E0: (iv) M. Alberto Casta\u00F1o Castro... un pouvoir sp\u00E9cial, aussi ample et suffisant que le droit le requiert, afin que quiconque parmi eux, individuellement... puisse: (i) Passer sous la forme authentique les d\u00E9cisions qui pr\u00E9c\u00E8dent... (ii) Compara\u00EEtre en repr\u00E9sentation de la Soci\u00E9t\u00E9 par-devant un notaire espagnol ou \u00E9tranger... (ii) Effectuer \u00E9galement, au nom et en repr\u00E9sentation de la Soci\u00E9t\u00E9 et/ou de la Succursale Belge de SCF, toutes autres actions relatives \u00E0 des questions li\u00E9es directement ou indirectement \u00E0 l\u0027autorisation, l\u0027\u00E9tablissement, l\u0027inscription, le d\u00E9but et l\u0027extension des activit\u00E9s de la Succursale Belge de SCF... (iv) \u00C9tablir tous dccuments, authentiques ou priv\u00E9s, qui s\u0027av\u00E8reraient n\u00E9cessaires ou pertinents pour l\u0027exercice des facult\u00E9s conf\u00E9r\u00E9es",
      "holder_kbo": null,
      "holder_name": "M. Alberto Casta\u00F1o Castro",
      "scope_categories": [
        "filing",
        "tax",
        "regulatory_authorities"
      ],
      "with_substitution": false
    },
    {
      "quote": "Il est d\u00E9cid\u00E9 de conf\u00E9rer un pouvoir sp\u00E9cial \u00E0 M. Johan Lagae, Mme Els Bruls et/ou \u00E0 tous autres avocats et/ou employ\u00E9s du cabinet Loyens \u0026 Loeff Advocaten-Avocats SCRL... en habilitant chacun d\u0027eux \u00E0 agir seul et en son nom propre et avec pouvoir de subd\u00E9l\u00E9gation, aux fins d\u0027accomplir (i) tous les actes et formalit\u00E9s qu\u00ED pourraient s\u0027av\u00E9rer n\u00E9cessaires ou utiles en Belgique... y compris la pr\u00E9paration, traduction (asserment\u00E9e ou non) et l\u0027ex\u00E9cution de tous les documents et mod\u00E8les qui pourraient s\u0027av\u00E9rer n\u00E9cessaires ou pertinents, ainsi que la pr\u00E9sentation et le d\u00E9p\u00F4t de ces documents et formulaires au greffe du Tribunal de l\u0027entreprise comp\u00E9tent \u00E0 Bruxelles et aupr\u00E8s de la Banque Nationale de Belgique en vue de leur publication, (ii) toutes les formalit\u00E9s aupr\u00E8s du registre des personnes morales ainsi qu\u0027aupr\u00E8s de tous les guichets d\u0027entreprises qui pourraient s\u0027av\u00E9rer n\u00E9cessaires ou utiles pour assurer l\u0027inscription de l\u0027extension des activit\u00E9s de la Succursale Belge de SCF aupr\u00E8s de la Banque-Carrefour des Entreprises belge, et (ili) toutes les formalit\u00E9s, selon le cas, avec les autorit\u00E9s publiques belges en mati\u00E8re de TVA ou de fiscalit\u00E9 en g\u00E9n\u00E9ral",
      "holder_kbo": null,
      "holder_name": "Loyens \u0026 Loeff Advocaten-Avocats SCRL",
      "scope_categories": [
        "filing",
        "publication",
        "tax",
        "kbo"
      ],
      "with_substitution": true
    }
  ],
  "governance_change": {
    "admin_delegated_added": []
  }
}

26-02-2021 Incorporation of a new SNC Incorporation

Summary: oprichting

Original publication ↗

Technical details

{
  "kind": "oprichting",
  "seat": "Boadilla del Monte (28660 Madrid), Ciudad Grupo Santander, Avenida de Cantabria s/n",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": {
        "kbo": null,
        "name": "SANTANDER CONSUMER FINANCE, S.A."
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "unique",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": "SANTANDER CONSUMER FINANCE, S.A.",
      "contribution_type": "cash",
      "amount_paid_in_eur": 5638638516,
      "holder_person_name": null,
      "is_subscriber_only": true,
      "n_shares_subscribed": 1879546172,
      "amount_subscribed_eur": 5638638516,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 5638638516,
  "subject_company": {
    "kbo": "0763.791.559",
    "name_full": "SANTANDER CONSUMER FINANCE S.A.",
    "legal_form": "SNC"
  },
  "initial_directors": [],
  "incorporation_date": "2021-02-01",
  "post_incorporation_mandates": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Overige activiteiten van geldscheppende financiële instellingen64190Verstrekken van verbruikskrediet64921Holdings64200Activiteiten van holdings64210Activiteiten van uitzendbureaus en andere diensten in verband met personeelsvoorziening78200Andere vormen van arbeidsbemiddeling78300

Primary activity highlighted.

Names & trade names

Legal nameFR	Open Bank, S.A.
Legal nameFR	Open Bank, S.A., Bijkantoor in België/succursale en Belgique
Legal nameFR	SANTANDER CONSUMER FINANCE SA

Registered office

Avenida de Cantabria SN

28660 Boadilla del Monte, Spain

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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