ACTIVE

COFIDIS

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Financial year 2025 · Closed on 31/12/2025

Net result28,3 M €-2,6 %over 1 year
Revenue35,5 M €+10,7 %over 1 year
Equity858,7 M €+3,4 %over 1 year
Workforce433,4 ETP+8,3 %over 1 year

Identity

Source · BCE/KBO

COFIDIS is a Public limited company incorporated in 1967. Its main activity is: Other credit granting. Its registered office is in Tournai. It employs on average 433,4 ETP workers (FTE).

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0400.359.283
Incorporation
06/06/1967
Legal form
Public limited company
Registered office
Chaussée de Lille(OR) 422 box a
7501 Tournai · WallonieSee on map
Contributed capital
459 990 000,00 €
Latest accounts
31/12/2025
Average workforce
433,4 ETP
Joint committees (1)
  • 218
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowHealthy social debtsHigh revenue

Financials

Source · NBB, 20 filings

Trend over 20 financial years

20252024202320222021
Income statement
Revenue35,5 M €32,1 M €29,5 M €26,4 M €25,5 M €
EBITDA-82,9 M €-75,5 M €-66,5 M €-59,2 M €-52,1 M €
Operating result-95,7 M €-79,2 M €-66,3 M €-64,8 M €-56 M €
Net result28,3 M €29,1 M €24,3 M €15,2 M €14,7 M €
Balance sheet
Equity858,7 M €830,4 M €801,3 M €777 M €761,8 M €
Total assets1,7 Md €1,5 Md €1,3 Md €1,2 Md €995,3 M €
Cash16,4 M €34,5 M €10,2 M €9,6 M €6,9 M €
Debts797,4 M €698,7 M €526,3 M €377,5 M €230,3 M €
Other
Workforce433,4 ETP400,1 ETP395,2 ETP388,8 ETP375,1 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 500 M€ and 1.000 M€
See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

3 active · 21 ended

Active mandates

DirectorFunctionMandate
Olivier Kling
Managing director01/07/2023 → 29/05/2029
Gilles Sauret
Director30/05/2023 → 29/05/2029
Vincent Laurin
Director30/05/2023 → 29/05/2029

Ended mandates

DirectorFunctionMandate
Luc-Bertrand Salus
Managing director30/05/2023 → 30/06/2023
Gilles Sauret
Director21/02/2018 → 30/05/2023
Annie Gain
Director30/05/2017 → 21/02/2018
Luc-Bertrand Salus
Managing director30/05/2017 → 30/05/2023

Other companies at this address

Chaussée de Lille(OR) 422 7501 Tournai
CompanyCBE no.
Zone de Secours Wallonie Picarde● Active
0500.915.621

Full financial information

Source · NBB
202520242023202220212020
Type of accountFull modelFull modelFull modelFull modelFull modelFull 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 date01/06/202617/06/202513/06/202407/06/202310/06/202208/06/2021
General meeting26/05/202627/05/202528/05/202430/05/202331/05/202225/05/2021
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, 20 filings
ModelClosingGeneral meetingFiledLanguageDocument
Full model31/12/202526/05/202601/06/2026FrenchPDF
Full model31/12/202427/05/202517/06/2025FrenchPDF
Full model31/12/202328/05/202413/06/2024FrenchPDF
Full model31/12/202230/05/202307/06/2023FrenchPDF
Full model31/12/202131/05/202210/06/2022FrenchPDF
Full model31/12/202025/05/202108/06/2021FrenchPDF
Full model31/12/201926/05/202029/06/2020FrenchPDF
Full model31/12/201828/05/201926/06/2019FrenchPDF
Full model31/12/201729/05/201812/06/2018FrenchPDF
Full model31/12/201630/05/201707/06/2017FrenchPDF
Full model31/12/201531/05/201607/06/2016FrenchPDF
Full model31/12/201426/05/201504/06/2015FrenchPDF
Full model31/12/201327/05/201411/06/2014FrenchPDF
Full model31/12/201228/05/201317/06/2013FrenchPDF
Full model31/12/201129/05/201206/06/2012FrenchPDF
Full model31/12/201031/05/201116/06/2011FrenchPDF
Full model31/12/200925/05/201008/06/2010FrenchPDF
Full model31/12/200826/05/200902/06/2009FrenchPDF
Full model31/12/200727/05/200816/06/2008FrenchPDF
Full model31/12/200629/05/200706/06/2007FrenchPDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 M€ and 1.000 M€

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

3 active · 21 ended

Active mandates

DirectorFunctionMandate
Olivier Kling
Managing director01/07/2023 → 29/05/2029
Gilles Sauret
Director30/05/2023 → 29/05/2029
Vincent Laurin
Director30/05/2023 → 29/05/2029

Ended mandates

DirectorFunctionMandate
Luc-Bertrand Salus
Managing director30/05/2023 → 30/06/2023
Gilles Sauret
Director21/02/2018 → 30/05/2023
Annie Gain
Director30/05/2017 → 21/02/2018
Luc-Bertrand Salus
Managing director30/05/2017 → 30/05/2023

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates09/04/2026
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates21/10/2025
    DEMISSIONS, NOMINATIONS
    PDF
  • Restructuring08/09/2025
    CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
    PDF
  • Restructuring20/06/2025
    RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
    PDF
  • Mandates21/11/2024
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates13/08/2024
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates31/10/2023
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates04/10/2023
    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. 16/02/2026
    nominationSophie HEBETTE · Directrice Marketing et Développement Commercial
  2. 01/01/2026
    nominationPierre BERTRAND · Directeur Général
  3. 2025
    Annual accounts 202528,3 M €↓
  4. 01/09/2025
    nominationGuillaume SAULIN · Directeur Data, Organisations, Expérience Client
  5. 2024
    Annual accounts 202429,1 M €↑
  6. 28/05/2024
    nominationMAZARS Bedrijfsrevisoren — Réviseurs d'Entreprises · commissaire
  7. 28/05/2024
    nominationDirk STRAGIER · représentant permanent
  8. 22/05/2024
    nominationLaure BECOUSSE · Directrice des Ressources Humaines et Juridique
  9. 15/04/2024
    nominationEmmanuel STEELANDT · Directeur du Recouvrement des Clients
  10. 2023
    Annual accounts 202324,3 M €↑
  11. 01/07/2023
    nominationOlivier KLING · administrateur délégué
  12. 30/05/2023
    reconductionVincent LAURIN · administrateur
  13. 30/05/2023
    reconductionLuc-Bertrand SALUS · administrateur
  14. 30/05/2023
    reconductionGilles Sauret · administrateur
  15. 30/05/2023
    reconductionLuc-Bertrand SALUS · délégué à la gestion journalière
  16. 01/02/2023
    nominationOuassini BOUZIANI · Directeur Relation Client
  17. 01/02/2023
    nominationCatherine SURMAIRE · Directrice Recouvrement Clients
  18. 02/01/2023
    nominationEric VANDERSCHOOTEN · Directeur Data, Organisations, Expérience Client
  19. 2022
    Annual accounts 202215,2 M €↑
  20. 20/04/2022
    nominationMAZARS Bedrijfsrevisoren - Réviseurs d'Entreprises · Commissaire
  21. 2021
    Annual accounts 202114,7 M €↑
  22. 2020
    Annual accounts 202010,3 M €↓
  23. 2019
    Annual accounts 201916 M €↑
  24. 01/07/2019
    nominationOlivier KLING · Directeur Général
  25. 2018
    Annual accounts 201814,9 M €↑
  26. 2017
    Annual accounts 20179,9 M €↑
  27. 2016
    Annual accounts 20169 M €↓
  28. 2015
    Annual accounts 201516 M €↓
  29. 2014
    Annual accounts 201421,7 M €↓
  30. 2013
    Annual accounts 201325,7 M €↓
  31. 2012
    Annual accounts 201231 M €↑
  32. 2011
    Annual accounts 201126,1 M €↑
  33. 2010
    Annual accounts 201021,5 M €↑
  34. 2009
    Annual accounts 200918,3 M €↑
  35. 2008
    Annual accounts 200813,3 M €↑
  36. 2007
    Annual accounts 20079,5 M €↑
  37. 2006
    Annual accounts 20068,7 M €
  38. 06/06/1967
    IncorporationPublic limited company