ACTIVE

SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT

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Financial year 2025 · Closed on 31/12/2025

Net result44,2 k €-53,4 %over 1 year

Revenue2,7 M €+6,8 %over 1 year

Equity6 M €+0,7 %over 1 year

Workforce5,8 ETP+1,8 %over 1 year

Identity

Source · BCE/KBO

SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT is a Cooperative society incorporated in 1937. Its main activity is: Other credit granting. Its registered office is in Ath. It employs on average 5,8 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0401.122.615
Incorporation: 04/11/1937
Legal form: Cooperative society
Registered office: Rue Defacqz 17
7800 Ath · WallonieSee on map
Contributed capital: 553 990,92 €
Latest accounts: 31/12/2025
Average workforce: 5,8 ETP

Activities (NACE)

64922Other credit granting· main 64922Other credit granting

Joint committees (1)

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debtsHigh revenue

Financials

Source · NBB, 20 filings

Trend over 19 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	2,7 M €	+6.8%	2,6 M €	-5.2%	2,7 M €	-4.6%	2,8 M €	-10.6%	3,2 M €
EBITDA	117,7 k €	+0.7%	116,9 k €	-61.5%	303,5 k €	+15.9%	261,8 k €	-29.4%	370,8 k €
Operating result	46,3 k €	-57.4%	108,6 k €	-60.6%	275,5 k €	+19.4%	230,9 k €	-46.6%	432,3 k €
Net result	44,2 k €	-53.4%	94,9 k €	-62.8%	255,1 k €	+19.5%	213,5 k €	-47.0%	402,7 k €
Balance sheet
Equity	6 M €	+0.7%	6 M €	+1.6%	5,9 M €	+4.5%	5,6 M €	+3.9%	5,4 M €
Total assets	98,5 M €	+6.4%	92,5 M €	+7.0%	86,4 M €	-6.2%	92,2 M €	-8.6%	100,9 M €
Cash	5 M €	+72.5%	2,9 M €	+4.4%	2,8 M €	+8.6%	2,5 M €	-6.1%	2,7 M €
Debts	92,4 M €	+6.8%	86,5 M €	+7.4%	80,5 M €	-6.9%	86,5 M €	-9.4%	95,5 M €
Other
Workforce	5,8 ETP	+1.8%	5,7 ETP	-9.5%	6,3 ETP	+31.3%	4,8 ETP	-7.7%	5,2 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

13 active · 60 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Olivier HARTIEL	Director12/06/2026 → 13/06/2031
Albert DUTILLEUL	Director18/06/2013 → 13/06/2031Chairman of the board of directors15/05/2007 → 15/05/2013ended
Annette CORNELIS	Director15/05/2007 → 13/06/2031Vice-chairman of the board of directors19/06/2019 → 30/06/2025ended
Antonietta CARLUCCI	Director13/06/2025 → 13/06/2031
Carine DELFANNE	Chairman of the board of directors19/06/2019 → 13/06/2031
Catherine PONCIN	Director13/06/2025 → 13/06/2031Vice-chairman of the board of directors19/06/2019 → 30/06/2025ended
Christian BROTCORNE	Director19/06/2019 → 13/06/2031
Jean-Christophe DESSILY	Director13/06/2025 → 13/06/2031
Jean-Marie GENBAUFFE	Director18/06/2013 → 13/06/2031Vice-chairman of the board of directors22/12/2004 → 30/06/2025ended
Lucette RAVEZ	Director13/06/2025 → 13/06/2031
P & V Assurances0402.236.531Represented by Gilles DOUTRELEPONT	Director18/06/2013 → 13/06/2031
Patrice BOUGEGNIES	Director13/06/2025 → 13/06/2031
Ingrid ROUCLOUX	Director16/02/2023 → 15/02/2028

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Baudouin LOUETTE	Director19/06/2019 → 30/06/2025
Diane DIFFOUM	Vice-chairman of the board of directors19/06/2019 → 30/06/2025

Other companies at this address

Rue Defacqz 17 7800 Ath

Company	CBE no.
BFOperating● Active	0698.744.745
VNM IMMO● Active	1040.005.690

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	13/07/2026	24/08/2025	30/07/2024	28/07/2023	31/08/2022	09/10/2021
General meeting	12/06/2026	13/06/2025	18/04/2024	22/05/2023	31/05/2022	29/06/2021
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	12/06/2026	13/07/2026	French	PDF
Full model	31/12/2024	13/06/2025	24/08/2025	French	PDF
Full model	31/12/2023	18/04/2024	30/07/2024	French	PDF
Full model	31/12/2022	22/05/2023	28/07/2023	French	PDF
Full model	31/12/2021	31/05/2022	31/08/2022	French	PDF
Full model	31/12/2020	29/06/2021	09/10/2021	French	PDF
Full model	31/12/2019	27/08/2020	27/10/2020	French	PDF
Full model	31/12/2018	19/06/2019	29/08/2019	French	PDF
Full model	31/12/2017	19/06/2018	28/06/2018	French	PDF
Full model	31/12/2016	20/06/2017	23/06/2017	French	PDF
Full model	31/12/2015	21/06/2016	30/06/2016	French	PDF
Full model	31/12/2014	16/06/2015	25/06/2015	French	PDF
Full model	31/12/2013	03/06/2014	11/06/2014	French	PDF
Full model	31/12/2012	18/06/2013	30/07/2013	French	PDF
Full model	31/12/2011	19/06/2012	05/07/2012	French	PDF
Full model	31/12/2010	21/06/2011	06/07/2011	French	PDF
Full model	31/12/2009	15/06/2010	23/06/2011	French	PDF
Full model	31/12/2008	30/06/2009	08/07/2009	French	PDF
Full model	31/12/2007	26/06/2008	05/08/2008	French	PDF
Full model	31/12/2006	15/05/2007	15/06/2007	French	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

13 active · 60 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Olivier HARTIEL	Director12/06/2026 → 13/06/2031
Albert DUTILLEUL	Director18/06/2013 → 13/06/2031Chairman of the board of directors15/05/2007 → 15/05/2013ended
Annette CORNELIS	Director15/05/2007 → 13/06/2031Vice-chairman of the board of directors19/06/2019 → 30/06/2025ended
Antonietta CARLUCCI	Director13/06/2025 → 13/06/2031
Carine DELFANNE	Chairman of the board of directors19/06/2019 → 13/06/2031
Catherine PONCIN	Director13/06/2025 → 13/06/2031Vice-chairman of the board of directors19/06/2019 → 30/06/2025ended
Christian BROTCORNE	Director19/06/2019 → 13/06/2031
Jean-Christophe DESSILY	Director13/06/2025 → 13/06/2031
Jean-Marie GENBAUFFE	Director18/06/2013 → 13/06/2031Vice-chairman of the board of directors22/12/2004 → 30/06/2025ended
Lucette RAVEZ	Director13/06/2025 → 13/06/2031
P & V Assurances0402.236.531Represented by Gilles DOUTRELEPONT	Director18/06/2013 → 13/06/2031
Patrice BOUGEGNIES	Director13/06/2025 → 13/06/2031
Ingrid ROUCLOUX	Director16/02/2023 → 15/02/2028

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Baudouin LOUETTE	Director19/06/2019 → 30/06/2025
Diane DIFFOUM	Vice-chairman of the board of directors19/06/2019 → 30/06/2025

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates05/12/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates12/12/2024
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DENOMINATION - CAPITAL, ACTIONS
PDF
Mandates15/05/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates05/04/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - SIEGE SOCIAL - OBJET - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Mandates31/12/2019
DEMISSIONS, NOMINATIONS
PDF
Mandates30/12/2016
DEMISSIONS, NOMINATIONS
PDF
Other24/09/2014
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates21/08/2014
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

Incorporation1937

Name

Registered office

Annual accounts

Filings19 filings

Mandates

Olivier HARTIEL

P & V Assurances

Antonietta CARLUCCI

Albert DUTILLEUL

Christian BROTCORNE

Patrice BOUGEGNIES

Catherine PONCIN

Jean-Marie GENBAUFFE

Annette CORNELIS

Jean-Christophe DESSILY

Lucette RAVEZ

Carine DELFANNE

and 59 more mandates

196619671968196919701971197219731974197519761977197819791980198119821983198419851986198719881989199019911992199319941995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025202620272028202920302031

SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT

Rue Defacqz 17, 7800 Ath

Director

DirectorChairman of the board of directors

Director

DirectorVice-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
Rue Defacqz 17, 7800 AthCurrent	accounts 2022 → 2025	Accounts 2025 · 2026-00285487
Grand'Place 1, 7800 Ath	accounts 2021	Accounts 2021 · 2022-20404444

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUTCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00285487

Events

2025
Annual accounts 202544,2 k €↓
13/06/2025
nominationBougenies Patrice · administrateur
13/06/2025
nominationRavez Lucette · administrateur
13/06/2025
nominationBrotcorne Christian · administrateur
13/06/2025
nominationCarlucci Antonietta · administrateur
13/06/2025
nominationDessilly Jean-Christophe · administrateur
13/06/2025
nominationDelfanne Carine · administrateur indépendant
13/06/2025
nominationCornelis Annette · administrateur privé
13/06/2025
nominationDoutrelepont Gilles · administrateur privé
13/06/2025
nominationDutilleul Albert · administrateur privé
13/06/2025
nominationGenbauffe Jean-Marie · administrateur privé
13/06/2025
nominationPoncin Catherine · administrateur privé
2024
Annual accounts 202494,9 k €↓
2023
Annual accounts 2023255,1 k €↑
16/02/2023
nominationRoucloux Ingrid · administrateur
2022
Annual accounts 2022213,5 k €↓
2021
Annual accounts 2021402,7 k €↑
2020
Annual accounts 2020193,6 k €↓
2019
Annual accounts 2019224 k €↑
2018
Annual accounts 201860,4 k €↑
2017
Annual accounts 20177,7 k €↓
2016
Annual accounts 201652,7 k €↓
2015
Annual accounts 2015118,5 k €↓
2014
Annual accounts 2014213,7 k €↑
2013
Annual accounts 2013125,9 k €↓
2012
Annual accounts 2012144,1 k €↓
2011
Annual accounts 2011458,6 k €↑
2010
Annual accounts 2010155,7 k €↑
2009
Annual accounts 2009-33,2 k €↑
2008
Annual accounts 2008-192,7 k €↓
2007
Annual accounts 2007129,7 k €
04/11/1937
IncorporationCooperative society

SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT

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

Registered offices

Company names

Events