ACTIVE

Volkskrediet de Toren

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Financial year 2025 · Closed on 31/12/2025

Net result355,7 k €+7,5 %over 1 year

Revenue1,5 M €-8,3 %over 1 year

Equity9,9 M €+3,4 %over 1 year

Workforce2,9 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

Volkskrediet de Toren is a Public limited company incorporated in 1968. Its main activity is: Other credit granting. Its registered office is in Aalst. It employs on average 2,9 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0400.254.167
Incorporation: 01/01/1968
Legal form: Public limited company
Registered office: Stationsstraat 18
9300 Aalst · FlandreSee on map
Contributed capital: 556 250,00 €
Latest accounts: 31/12/2025
Average workforce: 2,9 ETP

Activities (NACE)

64922Other credit granting· main 64922Other credit granting 65222Reinsurance

Joint committees (2)

Signals

ProfitableLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debtsHigh revenue

Financials

Source · NBB, 20 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	1,5 M €	-8.3%	1,7 M €	-8.1%	1,8 M €	-4.6%	1,9 M €	+2.2%	1,9 M €
EBITDA	373,6 k €	+9.6%	341 k €	-7.9%	370,3 k €	-23.9%	486,9 k €	+6.5%	457,1 k €
Operating result	364,3 k €	+10.2%	330,7 k €	-8.0%	359,6 k €	-28.9%	505,4 k €	+13.8%	444,1 k €
Net result	355,7 k €	+7.5%	331 k €	-3.9%	344,6 k €	-27.9%	478,1 k €	+27.4%	375,4 k €
Balance sheet
Equity	9,9 M €	+3.4%	9,6 M €	+3.3%	9,3 M €	+3.5%	8,9 M €	+5.3%	8,5 M €
Total assets	61,2 M €	-7.4%	66,2 M €	-8.1%	72 M €	-7.2%	77,6 M €	-6.9%	83,3 M €
Cash	182 k €	-45.6%	334,9 k €	-59.3%	822,1 k €	+8.4%	758,5 k €	-90.8%	8,3 M €
Debts	51 M €	-9.3%	56,2 M €	-9.8%	62,4 M €	-8.6%	68,2 M €	-8.2%	74,3 M €
Other
Workforce	2,9 ETP	0.0%	2,9 ETP	-9.4%	3,2 ETP	-13.5%	3,7 ETP	-2.6%	3,8 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

8 active · 17 ended

Active mandates

GERT DE WINT

Director · since 25 avril 2025 · until 25 avril 2031

Active

ERIC MEERSSEMAN

Chairman of the board of directors · since 26 avril 2024 · until 26 avril 2030

Active

FRANS VERLEYSEN

Managing director · since 26 avril 2024 · until 26 avril 2030

Active

HUGO DE WAELE

Director · since 26 avril 2024 · until 26 avril 2030

Active

MARC MISSIAEN

Director · since 26 avril 2024 · until 26 avril 2030

Active

PETER BLANCKAERT

Director · since 26 avril 2024 · until 26 avril 2030

Active

PETER VAN DE MEULEBROUCKE

Director · since 26 avril 2024 · until 26 avril 2030

Active

WILFRIED VAN KERREBROECK

Vice-chairman of the board of directors · since 26 avril 2024 · until 26 avril 2030

Active

Ended mandates

ERIC MEERSSEMAN

Chairman of the board of directors

Ended

ERIC MEERSSEMAN

Vice-chairman of the board of directors

Ended

FRANS VERLEYSEN

Managing director

Ended

HUGO DE WAELE

Director

Ended

Other companies at this address

Stationsstraat 18 9300 Aalst

Company	CBE no.
VERZEKERINGEN - DE TOREN● Active	0464.268.229

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Full model	Full model	Full model	Full model	Full model	Full 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	24/06/2026	27/05/2025	17/06/2024	18/07/2023	14/06/2022	26/07/2021
General meeting	24/04/2026	25/04/2025	26/04/2024	28/04/2023	29/04/2022	25/06/2021
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, 20 filings

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2025	24/04/2026	24/06/2026	Dutch	PDF
Full model	31/12/2024	25/04/2025	27/05/2025	Dutch	PDF
Full model	31/12/2023	26/04/2024	17/06/2024	Dutch	PDF
Full model	31/12/2022	28/04/2023	18/07/2023	Dutch	PDF
Full model	31/12/2021	29/04/2022	14/06/2022	Dutch	PDF
Full model	31/12/2020	25/06/2021	26/07/2021	Dutch	PDF
Full model	31/12/2019	26/06/2020	10/07/2020	Dutch	PDF
Full model	31/12/2018	26/04/2019	17/06/2019	Dutch	PDF
Full model	31/12/2017	27/04/2018	06/06/2018	Dutch	PDF
Full model	31/12/2016	28/04/2017	15/06/2017	Dutch	PDF
Full model	31/12/2015	13/05/2016	07/06/2016	Dutch	PDF
Full model	31/12/2014	27/03/2015	16/04/2015	Dutch	PDF
Full model	31/12/2013	28/03/2014	08/04/2014	Dutch	PDF
Full model	31/12/2012	29/03/2013	23/04/2013	Dutch	PDF
Full model	31/12/2011	30/03/2012	17/04/2012	Dutch	PDF
Full model	31/12/2010	25/03/2011	12/04/2011	Dutch	PDF
Full model	31/12/2009	26/03/2010	09/04/2010	Dutch	PDF
Full model	31/12/2008	27/03/2009	27/03/2009	Dutch	PDF
Full model	31/12/2007	28/03/2008	17/04/2008	Dutch	PDF
Full model	31/12/2006	30/03/2007	26/04/2007	Dutch	PDF

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

8 active · 17 ended

Active mandates

GERT DE WINT

Director · since 25 avril 2025 · until 25 avril 2031

Active

ERIC MEERSSEMAN

Chairman of the board of directors · since 26 avril 2024 · until 26 avril 2030

Active

FRANS VERLEYSEN

Managing director · since 26 avril 2024 · until 26 avril 2030

Active

HUGO DE WAELE

Director · since 26 avril 2024 · until 26 avril 2030

Active

MARC MISSIAEN

Director · since 26 avril 2024 · until 26 avril 2030

Active

PETER BLANCKAERT

Director · since 26 avril 2024 · until 26 avril 2030

Active

PETER VAN DE MEULEBROUCKE

Director · since 26 avril 2024 · until 26 avril 2030

Active

WILFRIED VAN KERREBROECK

Vice-chairman of the board of directors · since 26 avril 2024 · until 26 avril 2030

Active

Ended mandates

ERIC MEERSSEMAN

Chairman of the board of directors

Ended

ERIC MEERSSEMAN

Vice-chairman of the board of directors

Ended

FRANS VERLEYSEN

Managing director

Ended

HUGO DE WAELE

Director

Ended

Ownership and network

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Try for free

Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates23/06/2026
ONTSLAGEN - BENOEMINGEN
PDF
Mandates12/06/2025
ONTSLAGEN - BENOEMINGEN
PDF
Mandates13/05/2025
ONTSLAGEN - BENOEMINGEN
PDF
Mandates16/05/2024
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - DOEL - ONTSLAGEN - BENOEMINGEN
PDF
Mandates25/09/2023
ONTSLAGEN - BENOEMINGEN
PDF
Mandates04/08/2022
ONTSLAGEN - BENOEMINGEN
PDF
Mandates17/02/2022
ONTSLAGEN - BENOEMINGEN
PDF
Mandates04/08/2020
ONTSLAGEN - BENOEMINGEN
PDF

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

See the Business plan

Timeline

11/05/2026
nominationGert De Wint — voorzitter van de Raad van Bestuur
24/04/2026
nominationAimé De Rocker — bestuurder
2025
Annual accounts 2025355,7 k €↑
25/04/2025
nominationGert De Wint — bestuurder
2024
Annual accounts 2024331 k €↓
26/04/2024
nominationWim Heyndrickx — vaste vertegenwoordiger (commissaris)
2023
Annual accounts 2023344,6 k €↓
2022
Annual accounts 2022478,1 k €↑
29/04/2022
nominationEric Meersseman — bestuurder
29/04/2022
nominationRoger De Roo — bestuurder
29/04/2022
nominationPaul De Clercq — bestuurder
29/04/2022
nominationMark Missiaen — bestuurder
29/04/2022
nominationPeter Blanckaert — bestuurder
2021
Annual accounts 2021375,4 k €↑
2020
Annual accounts 2020329,6 k €↑
2019
Annual accounts 2019288,4 k €↑
2018
Annual accounts 2018261,6 k €↑
2017
Annual accounts 2017236,8 k €↑
2016
Annual accounts 2016222,2 k €↓
2015
Annual accounts 2015243 k €↓
2014
Annual accounts 2014356,7 k €↑
2013
Annual accounts 2013272,8 k €↓
2012
Annual accounts 2012305,6 k €↑
2011
Annual accounts 2011296,7 k €↑
2010
Annual accounts 2010219,3 k €↓
2009
Annual accounts 2009228,1 k €↑
2008
Annual accounts 2008174,6 k €↓
2007
Annual accounts 2007247,2 k €↑
2006
Annual accounts 2006187,3 k €
01/01/1968
IncorporationPublic limited company

Volkskrediet de Toren

Overview

Identity

Financials

Valuation

Indicative valuation

Board of directors

Other companies at this address

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