ACTIVE

CREDIT SOCIAL LOGEMENT

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Financial year 2025 · Closed on 31/12/2025

Net result110,2 k €+673,9 %over 1 year
Gross margin225,7 k €-7,6 %over 1 year
Equity4 M €+2,9 %over 1 year
Workforce1,8 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

CREDIT SOCIAL LOGEMENT is a Cooperative society incorporated in 1968. Its main activity is: Other credit granting. Its registered office is in Verviers. It employs on average 1,8 ETP workers (FTE).

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0202.268.754
Incorporation
01/11/1968
Legal form
Cooperative society
Registered office
Chaussée de Heusy 1/5
4800 Verviers · WallonieSee on map
Contributed capital
202 271,00 €
Latest accounts
31/12/2025
Average workforce
1,8 ETP
Joint committees (1)
  • 200
Contacts
1 public detail availableLog in to view
Signals
ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 50 filings

Trend over 18 financial years

20252024202320222021
Income statement
Gross margin225,7 k €244,3 k €362,2 k €326,9 k €275,5 k €
EBITDA86,1 k €101,8 k €187,5 k €189,6 k €121 k €
Operating result46,4 k €82,6 k €304 k €191,8 k €75,4 k €
Net result110,2 k €14,2 k €219,3 k €146,5 k €55,1 k €
Balance sheet
Equity4 M €3,9 M €3,8 M €3,6 M €3,5 M €
Total assets36,8 M €38,6 M €39,1 M €35,8 M €29,6 M €
Cash951,5 k €827 k €835,4 k €1,3 M €754,1 k €
Debts32,8 M €34,7 M €35,3 M €32,2 M €26,1 M €
Other
Workforce1,8 ETP1,8 ETP2,3 ETP1,8 ETP2,2 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€
See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

21 active · 112 ended

Active mandates

Serge HILIGSMANN

Director · since 08 septembre 2025

Active
Anne-Françoise MARECHAL

Director · since 02 juin 2025

Active
Arnaud DEHTIER

Director · since 02 juin 2025

Active
Astrid BASTIN

Director · since 02 juin 2025

Active
Chantal SYBEN

Director · since 02 juin 2025

Active
isabelle STEGEN

Chairman of the board of directors · since 02 juin 2025

Active
Sabrina MARTIN

Director · since 02 juin 2025

Active
Serge GRANDFILS

Director · since 02 juin 2025

Active
Claude KLENKENBERG

Director · since 03 juin 2024 · until 02 juin 2025

Active
Antoine LUKOKI

Director · since 26 avril 2023

Active
Bruno SCAILLET

Director · until 02 juin 2025

Active
Dany SMEETS

Director · until 02 juin 2025

Active
Eric JEROME

Director · until 02 juin 2025

Active
François GOHY

Director

Active
Jacques SOUPART

Director · until 02 juin 2025

Active
Karl José ORTMANN

Director · until 02 juin 2025

Active
Laurence XHONNEUX

Director

Active
Maxime DEGEY

Chairman of the board of directors · until 02 juin 2025

Active
Michel BOUHY

Director · until 02 juin 2025

Active
Nathalie LEVEQUE

Director · until 02 juin 2025

Active
Vincenzo ZAMMUTO

Director

Active

Ended mandates

Claude KLENKENBERG

Director · since 03 juin 2024 · until 30 juin 2025

Ended
Michel BOUHY

Director · since 11 octobre 2023 · until 30 juin 2025

Ended
Antoine LUKOKI

Director · since 26 avril 2023 · until 30 juin 2025

Ended
Alain DEROME

Director · since 18 juin 2019 · until 18 juin 2025

Ended

Full financial information

Source · NBB
202520242023202220212020
Type of accountAbridged modelAbridged modelAbridged modelAbridged modelAbridged modelAbridged model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date05/06/202611/06/202520/06/202403/07/202313/07/202219/07/2021
General meeting01/06/202602/06/202503/06/202405/06/202308/06/202207/06/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 50 filings
ModelClosingGeneral meetingFiledLanguageDocument
Abridged model31/12/202501/06/202605/06/2026FrenchPDF
Abridged model31/12/202402/06/202511/06/2025FrenchPDF
Abridged model31/12/202303/06/202420/06/2024FrenchPDF
Abridged model31/12/202205/06/202303/07/2023FrenchPDF
Abridged model31/12/202108/06/202213/07/2022FrenchPDF
Abridged model31/12/202007/06/202119/07/2021FrenchPDF
Abridged model31/12/201908/09/202021/09/2020FrenchPDF
Abridged model31/12/201818/06/201919/06/2019FrenchPDF
Abridged model31/12/201704/06/201815/06/2018FrenchPDF
Abridged model31/12/201606/06/201713/07/2017FrenchPDF
Abridged model31/12/201506/06/201623/06/2016FrenchPDF
Abridged model31/12/201420/05/201522/05/2015FrenchPDF
Abridged model31/12/201328/05/201418/06/2014FrenchPDF
Abridged modelCorrection31/12/201203/06/201326/08/2013FrenchPDF
Abridged model31/12/201203/06/201314/08/2013FrenchPDF
Abridged model31/12/201102/05/201223/05/2012FrenchPDF
Abridged model31/12/201004/04/201127/04/2011FrenchPDF
Abridged model31/12/200909/04/201028/05/2010FrenchPDF
Abridged model31/12/200830/03/200908/06/2009FrenchPDF
Abridged model31/12/200731/03/200830/04/2008FrenchPDF
Abridged model31/12/200609/05/200727/11/2007FrenchPDF
Abridged model31/12/200523/03/200602/06/2006FrenchPDF
Abridged model31/12/200427/06/200528/07/2005FrenchPDF
Abridged model31/12/200319/03/200413/04/2004FrenchPDF

View all 50 filings

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 0 € and 100 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan
Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Board of directors

Source · NBB, accounts to 31/12/2025

21 active · 112 ended

Active mandates

Serge HILIGSMANN

Director · since 08 septembre 2025

Active
Anne-Françoise MARECHAL

Director · since 02 juin 2025

Active
Arnaud DEHTIER

Director · since 02 juin 2025

Active
Astrid BASTIN

Director · since 02 juin 2025

Active
Chantal SYBEN

Director · since 02 juin 2025

Active
isabelle STEGEN

Chairman of the board of directors · since 02 juin 2025

Active
Sabrina MARTIN

Director · since 02 juin 2025

Active
Serge GRANDFILS

Director · since 02 juin 2025

Active
Claude KLENKENBERG

Director · since 03 juin 2024 · until 02 juin 2025

Active
Antoine LUKOKI

Director · since 26 avril 2023

Active
Bruno SCAILLET

Director · until 02 juin 2025

Active
Dany SMEETS

Director · until 02 juin 2025

Active
Eric JEROME

Director · until 02 juin 2025

Active
François GOHY

Director

Active
Jacques SOUPART

Director · until 02 juin 2025

Active
Karl José ORTMANN

Director · until 02 juin 2025

Active
Laurence XHONNEUX

Director

Active
Maxime DEGEY

Chairman of the board of directors · until 02 juin 2025

Active
Michel BOUHY

Director · until 02 juin 2025

Active
Nathalie LEVEQUE

Director · until 02 juin 2025

Active
Vincenzo ZAMMUTO

Director

Active

Ended mandates

Claude KLENKENBERG

Director · since 03 juin 2024 · until 30 juin 2025

Ended
Michel BOUHY

Director · since 11 octobre 2023 · until 30 juin 2025

Ended
Antoine LUKOKI

Director · since 26 avril 2023 · until 30 juin 2025

Ended
Alain DEROME

Director · since 18 juin 2019 · until 18 juin 2025

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Other03/07/2026
    —
    PDF
  • Mandates24/06/2025
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates14/03/2025
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates03/01/2024
    STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …) - MODIFICATION FORME JURIDIQUE - DENOMINATION - DIVERS - OBJET - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
    PDF
  • Mandates20/12/2023
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates27/12/2022
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates27/12/2022
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates16/11/2021
    DEMISSIONS, NOMINATIONS
    PDF

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

Timeline

  1. 2025
    Annual accounts 2025110,2 k €↑
  2. 02/06/2025
    nominationAstrid BASTIN — Administrateur
  3. 02/06/2025
    nominationArnaud DETHIER — Administrateur
  4. 02/06/2025
    nominationFrancois GOHY — Administrateur
  5. 02/06/2025
    nominationSerge GRANDFILS — Administrateur
  6. 02/06/2025
    nominationAntoine LUKOKI — Administrateur
  7. 02/06/2025
    nominationAnne-Françoise MARECHAL — Administrateur
  8. 02/06/2025
    nominationSabrina MARTIN — Administrateur
  9. 02/06/2025
    nominationIsabelle STEGEN — Administrateur
  10. 02/06/2025
    nominationChantal SYBEN — Administrateur
  11. 02/06/2025
    nominationVincenzo ZAMMUTO — Administrateur
  12. 2024
    Annual accounts 202414,2 k €↓
  13. 19/03/2024
    nominationClaude KLENKENBERG — administrateur
  14. 2023
    Annual accounts 2023219,3 k €↑
  15. 26/04/2023
    nominationAntoine LUKOKI — administrateur
  16. 2022
    Annual accounts 2022146,5 k €↑
  17. 2021
    Annual accounts 202155,1 k €↓
  18. 27/10/2021
    nominationBruno SCAILLET — Administrateur
  19. 2020
    Annual accounts 2020149,1 k €↓
  20. 2019
    Annual accounts 2019151,5 k €↑
  21. 2018
    Annual accounts 201849,2 k €↓
  22. 2017
    Annual accounts 201764,1 k €↑
  23. 2016
    Annual accounts 2016-124,2 k €↓
  24. 2014
    Annual accounts 2014-63,6 k €↓
  25. 2013
    Annual accounts 2013-17,7 k €↓
  26. 2012
    Annual accounts 20121,9 k €↑
  27. 2011
    Annual accounts 2011-77,6 k €↓
  28. 2010
    Annual accounts 2010-31,6 k €↓
  29. 2009
    Annual accounts 200945,7 k €↑
  30. 2008
    Annual accounts 20084,9 k €↓
  31. 2007
    Annual accounts 200744,5 k €
  32. 01/11/1968
    IncorporationCooperative society