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

Activities (NACE)

64922Other credit granting· main 64922Other credit granting

Joint committees (1)

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

	2025		2024		2023		2022		2021
Income statement
Gross margin	225,7 k €	-7.6%	244,3 k €	-32.5%	362,2 k €	+10.8%	326,9 k €	+18.6%	275,5 k €
EBITDA	86,1 k €	-15.4%	101,8 k €	-45.7%	187,5 k €	-1.1%	189,6 k €	+56.7%	121 k €
Operating result	46,4 k €	-43.8%	82,6 k €	-72.8%	304 k €	+58.5%	191,8 k €	+154%	75,4 k €
Net result	110,2 k €	+674%	14,2 k €	-93.5%	219,3 k €	+49.7%	146,5 k €	+166%	55,1 k €
Balance sheet
Equity	4 M €	+2.9%	3,9 M €	+0.4%	3,8 M €	+6.0%	3,6 M €	+4.2%	3,5 M €
Total assets	36,8 M €	-4.6%	38,6 M €	-1.4%	39,1 M €	+9.4%	35,8 M €	+21.0%	29,6 M €
Cash	951,5 k €	+15.0%	827 k €	-1.0%	835,4 k €	-35.8%	1,3 M €	+72.6%	754,1 k €
Debts	32,8 M €	-5.4%	34,7 M €	-1.6%	35,3 M €	+9.7%	32,2 M €	+23.3%	26,1 M €
Other
Workforce	1,8 ETP	0.0%	1,8 ETP	-21.7%	2,3 ETP	+27.8%	1,8 ETP	-18.2%	2,2 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

12 active · 66 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Serge HILIGSMANN	Directorsince 08/09/2025
Anne-Françoise MARECHAL	Directorsince 02/06/2025
Arnaud DEHTIER	Directorsince 02/06/2025
Astrid BASTIN	Directorsince 02/06/2025
Chantal SYBEN	Directorsince 02/06/2025
isabelle STEGEN	Chairman of the board of directorssince 02/06/2025
Sabrina MARTIN	Directorsince 02/06/2025
Serge GRANDFILS	Directorsince 02/06/2025
Antoine LUKOKI	Directorsince 26/04/2023
Laurence XHONNEUX	Directorsince 18/06/2019Mandateended
Vincenzo ZAMMUTO	Directorsince 18/06/2019Mandateended
François GOHY	DirectorMandateended

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Claude KLENKENBERG	Director03/06/2024 → 30/06/2025
Michel BOUHY	Director11/10/2023 → 30/06/2025
Alain DEROME	Director18/06/2019 → 18/06/2025

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	05/06/2026	11/06/2025	20/06/2024	03/07/2023	13/07/2022	19/07/2021
General meeting	01/06/2026	02/06/2025	03/06/2024	05/06/2023	08/06/2022	07/06/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 50 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	01/06/2026	05/06/2026	French	PDF
Abridged model	31/12/2024	02/06/2025	11/06/2025	French	PDF
Abridged model	31/12/2023	03/06/2024	20/06/2024	French	PDF
Abridged model	31/12/2022	05/06/2023	03/07/2023	French	PDF
Abridged model	31/12/2021	08/06/2022	13/07/2022	French	PDF
Abridged model	31/12/2020	07/06/2021	19/07/2021	French	PDF
Abridged model	31/12/2019	08/09/2020	21/09/2020	French	PDF
Abridged model	31/12/2018	18/06/2019	19/06/2019	French	PDF
Abridged model	31/12/2017	04/06/2018	15/06/2018	French	PDF
Abridged model	31/12/2016	06/06/2017	13/07/2017	French	PDF
Abridged model	31/12/2015	06/06/2016	23/06/2016	French	PDF
Abridged model	31/12/2014	20/05/2015	22/05/2015	French	PDF
Abridged model	31/12/2013	28/05/2014	18/06/2014	French	PDF
Abridged modelCorrection	31/12/2012	03/06/2013	26/08/2013	French	PDF
Abridged model	31/12/2012	03/06/2013	14/08/2013	French	PDF
Abridged model	31/12/2011	02/05/2012	23/05/2012	French	PDF
Abridged model	31/12/2010	04/04/2011	27/04/2011	French	PDF
Abridged model	31/12/2009	09/04/2010	28/05/2010	French	PDF
Abridged model	31/12/2008	30/03/2009	08/06/2009	French	PDF
Abridged model	31/12/2007	31/03/2008	30/04/2008	French	PDF
Abridged model	31/12/2006	09/05/2007	27/11/2007	French	PDF
Abridged model	31/12/2005	23/03/2006	02/06/2006	French	PDF
Abridged model	31/12/2004	27/06/2005	28/07/2005	French	PDF
Abridged model	31/12/2003	19/03/2004	13/04/2004	French	PDF
Abridged model	31/12/2002	11/04/2003	15/07/2003	French	PDF
Abridged model	31/12/2001	15/03/2002	19/06/2002	French	PDF
Abridged model	31/12/2000	16/03/2001	01/06/2001	French	PDF
Abridged model	31/12/1999	17/03/2000	29/05/2000	French	PDF
Abridged model	31/12/1998	19/03/1999	19/07/1999	French	PDF
Abridged model	31/12/1997	20/03/1998	15/09/1998	French	—
Abridged model	31/12/1996	21/03/1997	17/06/1997	French	—
m909-p	31/12/1995	15/03/1996	04/04/1996	French	—
m909-p	31/12/1994	17/03/1995	30/03/1995	French	—
m909-p	31/12/1993	18/03/1994	28/03/1994	French	—
m909-p	31/12/1992	19/03/1993	23/03/1993	French	—
m909-p	31/12/1991	20/03/1992	24/03/1992	French	—
m909-p	31/12/1990	15/03/1991	19/03/1991	French	—
m909-p	31/12/1989	16/03/1990	26/03/1990	French	—
m909-p	31/12/1988	17/03/1989	20/03/1989	French	—
m909-p	31/12/1987	18/03/1988	25/03/1988	French	—
m909-p	31/12/1986	20/03/1987	26/03/1987	French	—
m909-p	31/12/1985	21/03/1986	25/03/1986	French	—
m909-p	31/12/1984	15/03/1985	29/03/1985	English	—
m909-p	31/12/1983	16/03/1984	19/04/1984	English	—
m909-p	31/12/1982	18/03/1983	24/03/1983	English	—
m909-p	31/12/1981	19/03/1982	01/04/1982	English	—
m909-p	31/12/1980	01/01/9999	27/03/1981	English	—
m909-p	31/12/1979	01/01/9999	29/04/1980	English	—
m909-p	31/12/1978	01/01/9999	21/03/1979	English	—
m909-p	31/12/1977	01/01/9999	25/04/1978	English	—

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

12 active · 66 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Serge HILIGSMANN	Directorsince 08/09/2025
Anne-Françoise MARECHAL	Directorsince 02/06/2025
Arnaud DEHTIER	Directorsince 02/06/2025
Astrid BASTIN	Directorsince 02/06/2025
Chantal SYBEN	Directorsince 02/06/2025
isabelle STEGEN	Chairman of the board of directorssince 02/06/2025
Sabrina MARTIN	Directorsince 02/06/2025
Serge GRANDFILS	Directorsince 02/06/2025
Antoine LUKOKI	Directorsince 26/04/2023
Laurence XHONNEUX	Directorsince 18/06/2019Mandateended
Vincenzo ZAMMUTO	Directorsince 18/06/2019Mandateended
François GOHY	DirectorMandateended

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Claude KLENKENBERG	Director03/06/2024 → 30/06/2025
Michel BOUHY	Director11/10/2023 → 30/06/2025
Alain DEROME	Director18/06/2019 → 18/06/2025

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

Source · CBE, NBB annual accounts

Year

Identity

Incorporation

Name

Registered office

Annual accounts

Filings18 filings

Mandates

Serge HILIGSMANN

Astrid BASTIN

Chantal SYBEN

Anne-Françoise MARECHAL

Serge GRANDFILS

Sabrina MARTIN

isabelle STEGEN

Arnaud DEHTIER

Antoine LUKOKI

Claude KLENKENBERG

Michel BOUHY

Maxime DEGEY

and 34 more mandates

19681969197019711972197319741975197619771978197919801981198219831984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023202420252026

CREDIT SOCIAL LOGEMENT

Chaussée de Heusy 1/5, 4800 Verviers

Director

Chairman of the board of directors

Director

Chairman of the board of directors

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Chaussée de Heusy 1/5, 4800 VerviersCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00148778

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
CREDIT SOCIAL LOGEMENTCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00148778

Events

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

CREDIT SOCIAL LOGEMENT

Overview

Identity

Financials

Valuation

Indicative valuation

Board of directors

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline

Timeline

Registered offices

Company names

Events