Summary
PROXIPRET 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 €11.3m and a net result of €182,778. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 11% of 2445 sector peers (fiscal year 2025). The company has been active since 1921 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 11% of 2445 sector peers (2025).
NBB · sector comparisonPosition among 2445 sector peers
Solvency
better than 11%
← 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 08-05-2026, 84 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
84 d early
2024
70 d late
2023
8 d early
2022
5 d early
2021
95 d early
2020
26 d late
2019
25 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 10 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 24 July (4 of the last 5 filed years within 77 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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, full schema
In the rankings
#1 oldest company in the province of Namur, Finance and insurance sector#2 company by total assets in the province of Namur, Financial services sector#7 employer in the province of Namur, Financial services sector
Equity
€11.3m▲ 0.8%
2024 · €11.2m
Net result
€182,778▼ 42.2%
2024 · €316,079
Total assets
€123.3m▼ 2.2%
2024 · €126.0m
Solvency
9.1%▲ 0.3pp
2024 · 8.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€385,032▲ 114%€635,107▲ 64.9%€665,023▲ 4.7%€329,564▼ 50.4%€182,694▼ 44.6%
Net result€357,463within the sector's middle half▲ 101%€586,504within the sector's middle half▲ 64.1%€622,588within the sector's middle half▲ 6.2%€316,079within the sector's middle half▼ 49.2%€182,778within the sector's middle half▼ 42.2%
Equity€9.7mwithin the sector's middle half▲ 46.0%€10.3mwithin the sector's middle half▲ 5.6%€10.9mwithin the sector's middle half▲ 5.7%€11.2mwithin the sector's middle half▲ 2.9%€11.3mwithin the sector's middle half▲ 0.8%
Total assets€104.4mabove the sector's middle half▲ 81.2%€115.3mabove the sector's middle half▲ 10.4%€125.2mabove the sector's middle half▲ 8.6%€126.0mabove the sector's middle half▲ 0.6%€123.3mabove the sector's middle half▼ 2.2%
Debt€94.6m▲ 85.8%€105.0m▲ 11.0%€114.4m▲ 8.9%€114.9m▲ 0.4%€112.0m▼ 2.5%
Working capital€96.7mabove the sector's middle half▲ 80.6%€109.4mabove the sector's middle half▲ 13.2%€119.5mabove the sector's middle half▲ 9.2%€120.3mabove the sector's middle half▲ 0.7%€117.6mabove the sector's middle half▼ 2.2%
Solvency9.3%below the sector's middle half▼ 2.3pp8.9%below the sector's middle half▼ 0.4pp8.7%below the sector's middle half▼ 0.2pp8.9%below the sector's middle half▲ 0.2pp9.1%below the sector's middle half▲ 0.3pp
Current ratio14.59above the sector's middle half▼ 1.9321.61above the sector's middle half▲ 7.0123.88above the sector's middle half▲ 2.2723.91above the sector's middle half▲ 0.0324.07above the sector's middle half▲ 0.16
Return on assets (ROA)0.3%within the sector's middle half=0.5%within the sector's middle half▲ 0.2pp0.5%within the sector's middle half=0.3%within the sector's middle half▼ 0.2pp0.1%within the sector's middle half▼ 0.1pp
Staff (FTE)5.4within the sector's middle half▲ 3.8%5within the sector's middle half▼ 7.4%5.5within the sector's middle half▲ 10.0%5.6within the sector's middle half▲ 1.8%5.7within the sector's middle half▲ 1.8%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 45% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123.3m
Fixed assets
€543,017 ▲ 0.8%
Current assets
€122.7m ▼ 2.2%
Equity and liabilities €123.3m
Equity
€11.3m ▲ 0.8%
Debt
€112.0m ▼ 2.5%
Debt's share of the balance-sheet total falls from 91.1% to 90.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.6%▼
2024 · 2.8%
Debt ≤ 1 year
€5.1m▼
2024 · €5.2m
Debt > 1 year
€106.9m▼
2024 · €109.6m
Income taxes
€22,012▲
2024 · €17,283
Staff costs
€550,839▲
2024 · €520,228
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €10,916 | - | - | - |
| Remuneration, social security and pensions62 | €442,441 | €448,309 | €496,030 | €520,228 | €550,839 | ▲ 5.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €46,995 | €46,361 | €46,917 | €36,534 | €34,748 | ▼ 4.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €5,139 | -€144,493 | -€100,012 | -€13,993 | -€1,998 | ▲ 85.7% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | -€124,876 | -€20,000 | -€10,000 | - | - | - |
| Other operating charges640/8 | €7,200 | €6,187 | €6,678 | €7,954 | €7,559 | ▼ 5.0% |
| Non-recurring operating charges66A | €40,213 | - | - | - | €1,306 | - |
| Gross operating margin9900 | €802,144 | €971,470 | €1.1m | €880,288 | €775,148 | ▼ 11.9% |
| Operating profit (loss)9901 | €385,032 | €635,107 | €665,023 | €329,564 | €182,694 | ▼ 44.6% |
| Financial income75/76B | €31 | €313 | €4,073 | €7,404 | €25,141 | ▲ 240% |
| Recurring financial income75 | €31 | €313 | €4,073 | €7,404 | €25,141 | ▲ 240% |
| Financial charges65/66B | €6,422 | €5,320 | €2,730 | €3,607 | €3,045 | ▼ 15.6% |
| Recurring financial charges65 | €6,422 | €5,320 | €2,602 | €3,607 | €3,045 | ▼ 15.6% |
| Non-recurring financial charges66B | - | - | €128 | - | €0 | - |
| Profit (loss) for the period before taxes9903 | €378,641 | €630,099 | €666,366 | €333,362 | €204,790 | ▼ 38.6% |
| Income taxes67/77 | €21,178 | €43,595 | €43,778 | €17,283 | €22,012 | ▲ 27.4% |
| Profit (loss) for the period9904 | €357,463 | €586,504 | €622,588 | €316,079 | €182,778 | ▼ 42.2% |
| Profit (loss) for the period to be appropriated9905 | €357,463 | €586,504 | €622,588 | €316,079 | €182,778 | ▼ 42.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €104.4m | €115.3m | €125.2m | €126.0m | €123.3m | ▼ 2.2% |
| Fixed assets21/28 | €611,349 | €587,186 | €554,275 | €538,767 | €543,017 | ▲ 0.8% |
| Intangible fixed assets21 | - | - | - | - | €5,663 | - |
| Tangible fixed assets22/27 | €605,997 | €580,935 | €549,494 | €533,056 | €530,713 | ▼ 0.4% |
| Land and buildings22 | €601,473 | €559,480 | €533,463 | €507,963 | €476,594 | ▼ 6.2% |
| Furniture and vehicles24 | €4,524 | €15,820 | €6,031 | €2,993 | €6,953 | ▲ 132% |
| Assets under construction and advance payments27 | - | €5,635 | €10,000 | €22,100 | €47,167 | ▲ 113% |
| Financial fixed assets28 | €5,352 | €6,251 | €4,781 | €5,711 | €6,641 | ▲ 16.3% |
| Current assets29/58 | €103.8m | €114.7m | €124.7m | €125.5m | €122.7m | ▼ 2.2% |
| Amounts receivable after more than one year29 | €96.2m | €106.2m | €116.7m | €118.5m | €114.6m | ▼ 3.3% |
| Trade receivables290 | €96.2m | €106.2m | €116.7m | €118.5m | €114.6m | ▼ 3.3% |
| Amounts receivable within one year40/41 | €5.0m | €5.7m | €5.5m | €5.5m | €5.4m | ▼ 0.2% |
| Trade receivables40 | €5.0m | €5.6m | €5.4m | €5.4m | €5.4m | ▲ 0.3% |
| Other amounts receivable41 | €92,286 | €156,971 | €157,454 | €74,837 | €47,130 | ▼ 37.0% |
| Current investments50/53 | - | €1.0m | - | - | €1.6m | - |
| Cash at bank and in hand54/58 | €2.6m | €1.8m | €2.5m | €1.5m | €1.1m | ▼ 26.9% |
| Deferred charges and accrued income490/1 | €7,608 | €4,411 | €7,027 | €9,610 | €4,891 | ▼ 49.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €104.4m | €115.3m | €125.2m | €126.0m | €123.3m | ▼ 2.2% |
| Equity10/15 | €9.7m | €10.3m | €10.9m | €11.2m | €11.3m | ▲ 0.8% |
| Contributions10/11 | €567,143 | €567,143 | €567,143 | €567,143 | €567,143 | = |
| Capital10 | €567,143 | €567,143 | €567,143 | €567,143 | €567,143 | = |
| Issued capital100 | €621,341 | €621,341 | €621,341 | €621,341 | €621,341 | = |
| Uncalled capital101 | €54,198 | €54,198 | €54,198 | €54,198 | €54,198 | = |
| Reserves13 | €8.9m | €9.7m | €10.3m | €10.6m | €10.7m | ▲ 0.8% |
| Non-distributable reserves130/1 | €70,769 | €62,134 | €62,134 | €62,134 | €67,602 | ▲ 8.8% |
| Legal reserve130 | €62,134 | €62,134 | €62,134 | €62,134 | €62,134 | = |
| Own shares acquired1312 | - | - | - | - | €5,468 | - |
| Other1319 | €8,635 | - | - | - | - | - |
| Distributable reserves133 | €8.8m | €9.7m | €10.2m | €10.6m | €10.6m | ▲ 0.8% |
| Profit (loss) carried forward14 | €319,495 | - | - | - | - | - |
| Provisions and deferred taxes16 | €30,000 | €10,000 | - | - | - | - |
| Provisions for liabilities and charges160/5 | €30,000 | €10,000 | - | - | - | - |
| Other liabilities and charges164/5 | €30,000 | €10,000 | - | - | - | - |
| Amounts payable17/49 | €94.6m | €105.0m | €114.4m | €114.9m | €112.0m | ▼ 2.5% |
| Amounts payable after more than one year17 | €87.5m | €99.7m | €109.2m | €109.6m | €106.9m | ▼ 2.5% |
| Financial debts170/4 | €87.5m | €99.7m | €109.2m | €109.6m | €106.9m | ▼ 2.5% |
| Amounts payable within one year42/48 | €7.1m | €5.3m | €5.2m | €5.2m | €5.1m | ▼ 2.8% |
| Current portion of amounts payable after more than one year42 | €5.8m | €4.3m | €4.4m | €4.6m | €4.6m | ▲ 1.5% |
| Trade debts44 | €1,565 | €9,772 | €9,273 | €6,171 | €5,311 | ▼ 13.9% |
| Suppliers440/4 | €1,565 | €9,772 | €9,273 | €6,171 | €5,311 | ▼ 13.9% |
| Taxes, remuneration and social security45 | €82,916 | €73,824 | €97,409 | €70,132 | €74,467 | ▲ 6.2% |
| Taxes450/3 | €21,177 | €13,226 | €27,166 | €605 | €9,389 | ▲ 1,452% |
| Remuneration and social security454/9 | €61,739 | €60,598 | €70,242 | €69,528 | €65,078 | ▼ 6.4% |
| Other amounts payable47/48 | €1.2m | €964,023 | €709,561 | €615,544 | €396,046 | ▼ 35.7% |
| Accrued charges and deferred income492/3 | €2,325 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €357,463 | €586,504 | €622,588 | €316,079 | €182,778 | ▼ 42.2% |
| + Depreciation and write-downs630 | €46,995 | €46,361 | €46,917 | €36,534 | €34,748 | ▼ 4.9% |
| Operating cash flow (approximation) | €404,458 | €632,865 | €669,506 | €352,613 | €217,526 | ▼ 38.3% |
| Investment in fixed assets (approximation) | - | -€22,198 | -€14,007 | -€21,026 | -€38,998 | ▼ 85.5% |
| Change in cash | - | -€758,397 | €699,690 | -€977,578 | -€406,991 | ▲ 58.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 70 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €622,588 ▲6.2%
Operating result €665,023, net result €622,588, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €10mEq €10.3m ▲5.6%
3 profitable years in a row build equity to €10.3m.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-12
Financial
Back to profitnet €178,251
Net result €178,251 after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
31-12
Financial
Weakest financial yearnet -€313,831
Net result drops to -€313,831, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 16 acts read
About the unread acts
We know of 16 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
16 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Namur · 3 establishment units since 1986
Ground area
2,036 m²
Building footprint
572 m²
Volume, LiDAR
5,115 m³
3 parcels, Wallonia · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
PROXIPRET
since 19862.285.439.368
PROXIPRET
since 19862.285.450.850
PROXIPRET DINANT
since 20212.319.983.840
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92007F0243/00A010 | Wallonia | 1,315 m² | 1 · 286 m² | 14.9 m · 4 fl. |
| 92136A0043/02T002indicative | Wallonia | 489 m² | 1 · 153 m² | 6.8 m · 1 fl. |
| 91034E0591/00T000 | Wallonia | 233 m² | 1 · 133 m² | 15.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
3 owners · 1 holdingOwners 3
-
12.18%
-
12.03%
-
1%
Holdings 1
-
70.51%
According to the 2025 annual accounts of PROXIPRET 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
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
La Prévoyance
BE 0401.778.057
La Louvière · Eq €12.5m
CREDIT SOCIAL DU LUXEMBOURG
BE 0404.370.630
Arlon · Eq €9.7m
Volkskrediet de Toren
BE 0400.254.167
Aalst · Eq €9.6m
Mijn Huis
BE 0400.962.465
Sint-Truiden · Eq €9.5m
Kempische Heerd
BE 0404.164.554
Turnhout · Eq €14.2m
Of 93 companies in sector 64922 we hold annual accounts for 75. 39 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
Founded01-08-1921
Fiscal year end31-12
Abbreviation FR
Le Crédit Namurois
Activities, NACEBEL 2025
64922Financial service activities, except insurance and pension funding
Contact
Website
www.proxipret.beSambreville
E-mail
auvelais@proxipret.beSambreville
Phone
+3271771135Sambreville
E-mail
namur@proxipret.beNamur
Phone
+3281733766Namur
Fax
+3281741397Namur
E-mail
DINANT@proxipret.beDinant
Phone
082227522Dinant
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.