ACTIVE

Crédit à l'épargne immobilière

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Financial year 2025 · Closed on 31/12/2025

Net result21,3 k €+166,2 %over 1 year

Gross margin226,4 k €-11,8 %over 1 year

Equity4,8 M €+0,4 %over 1 year

Workforce2,0 ETP-33,3 %over 1 year

Identity

Source · BCE/KBO

Crédit à l'épargne immobilière is a Public limited company incorporated in 1925. Its main activity is: Other credit granting. Its registered office is in Mouscron. It employs on average 2,0 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0401.228.127
Incorporation: 01/01/1925
Legal form: Public limited company
Registered office: Rue de Tourcoing 46
7700 Mouscron · WallonieSee on map
Contributed capital: 1 408 774,18 €
Latest accounts: 31/12/2025
Average workforce: 2,0 ETP

Activities (NACE)

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

Joint committees (3)

Contacts

3 public details availableLog in to view

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 18 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	226,4 k €	-11.8%	256,7 k €	+0.9%	254,3 k €	-15.4%	300,6 k €	+31.7%	228,2 k €
EBITDA	4,1 k €	+184%	-4,9 k €	-369%	-1 k €	-102%	66,4 k €	+341%	15,1 k €
Operating result	2,9 k €	-62.5%	7,7 k €	+158%	3 k €	-94.8%	57,3 k €	+304%	14,2 k €
Net result	21,3 k €	+166%	8 k €	+169%	3 k €	-94.2%	51 k €	+481%	8,8 k €
Balance sheet
Equity	4,8 M €	+0.4%	4,8 M €	+0.2%	4,8 M €	+0.1%	4,8 M €	+1.1%	4,7 M €
Total assets	46,7 M €	-7.2%	50,4 M €	-2.4%	51,6 M €	+9.1%	47,3 M €	+13.7%	41,6 M €
Cash	471,1 k €	-79.9%	2,3 M €	-11.1%	2,6 M €	+42.6%	1,9 M €	-11.8%	2,1 M €
Debts	41,9 M €	-8.0%	45,6 M €	-2.7%	46,8 M €	+10.2%	42,5 M €	+15.3%	36,9 M €
Other
Workforce	2,0 ETP	-33.3%	3,0 ETP	0.0%	3,0 ETP	-18.9%	3,7 ETP	+32.1%	2,8 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

13 active · 27 ended

Active mandates

Célia VANNESTE

Director · since 22 mai 2025 · until 21 mai 2031

Active

François MOULIGNEAU

Director · since 22 mai 2025 · until 21 mai 2031

Active

Mathilde VANDORPE

Director · since 22 mai 2025 · until 21 mai 2031

Active

Olivier CALLEWAERT

Vice-chairman of the board of directors · since 27 avril 2025 · until 25 avril 2031

Active

Willy VANMARCKE

Director · since 25 avril 2025 · until 25 avril 2031

Active

Luc CLAUS

Director · since 29 avril 2023 · until 27 avril 2029

Active

Sophie POLLET

Director · since 29 avril 2023 · until 27 avril 2029

Active

Vincent BATAILLE

Director · since 29 avril 2023 · until 27 avril 2029

Active

Guy HOVELAQUE

Director · since 30 avril 2022 · until 28 avril 2028

Active

Luc LEMAN

Director · since 30 avril 2022 · until 28 avril 2028

Active

Marc SIEUX

Director · since 30 avril 2022 · until 28 avril 2028

Active

Michel FRANCEUS

Chairman of the board of directors · since 30 avril 2022 · until 28 avril 2028

Active

Ronny DEVOS

Director · since 30 avril 2022 · until 25 avril 2025

Active

Ended mandates

Claude DE POURCQ

Director · since 30 avril 2022 · until 28 avril 2023

Ended

Ronny DEVOS

Director · since 30 avril 2022 · until 28 avril 2028

Ended

Olivier CALLEWAERT

Vice-chairman of the board of directors · since 27 avril 2019 · until 25 avril 2025

Ended

Willy VANMARCKE

Director · since 27 avril 2019 · until 25 avril 2025

Ended

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	10/06/2026	07/05/2025	20/05/2024	15/06/2023	02/05/2022	03/09/2021
General meeting	13/05/2026	25/04/2025	26/04/2024	28/04/2023	29/04/2022	02/09/2021
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
Abridged model	31/12/2025	13/05/2026	10/06/2026	French	PDF
Abridged model	31/12/2024	25/04/2025	07/05/2025	French	PDF
Abridged model	31/12/2023	26/04/2024	20/05/2024	French	PDF
Abridged model	31/12/2022	28/04/2023	15/06/2023	French	PDF
Abridged model	31/12/2021	29/04/2022	02/05/2022	French	PDF
Abridged model	31/12/2020	02/09/2021	03/09/2021	French	PDF
Abridged model	31/12/2019	26/06/2020	02/07/2020	French	PDF
Abridged model	31/12/2018	26/04/2019	07/06/2019	French	PDF
Abridged model	31/12/2017	27/04/2018	11/05/2018	French	PDF
Abridged model	31/12/2016	28/04/2017	16/07/2017	French	PDF
Abridged model	31/12/2015	29/04/2016	03/06/2016	French	PDF
Abridged model	31/12/2014	24/04/2015	01/07/2015	French	PDF
Abridged model	31/12/2013	25/04/2014	29/06/2014	French	PDF
Abridged model	31/12/2012	26/04/2013	25/06/2013	French	PDF
Abridged model	31/12/2011	27/04/2012	14/06/2012	French	PDF
Abridged model	31/12/2010	29/04/2011	06/07/2011	French	PDF
Abridged model	31/12/2009	30/04/2010	22/06/2010	French	PDF
Abridged model	31/12/2008	24/04/2009	26/05/2009	French	PDF
Abridged model	31/12/2007	25/04/2008	08/08/2008	French	PDF
Abridged model	31/12/2006	27/04/2007	30/05/2007	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 · 27 ended

Active mandates

Célia VANNESTE

Director · since 22 mai 2025 · until 21 mai 2031

Active

François MOULIGNEAU

Director · since 22 mai 2025 · until 21 mai 2031

Active

Mathilde VANDORPE

Director · since 22 mai 2025 · until 21 mai 2031

Active

Olivier CALLEWAERT

Vice-chairman of the board of directors · since 27 avril 2025 · until 25 avril 2031

Active

Willy VANMARCKE

Director · since 25 avril 2025 · until 25 avril 2031

Active

Luc CLAUS

Director · since 29 avril 2023 · until 27 avril 2029

Active

Sophie POLLET

Director · since 29 avril 2023 · until 27 avril 2029

Active

Vincent BATAILLE

Director · since 29 avril 2023 · until 27 avril 2029

Active

Guy HOVELAQUE

Director · since 30 avril 2022 · until 28 avril 2028

Active

Luc LEMAN

Director · since 30 avril 2022 · until 28 avril 2028

Active

Marc SIEUX

Director · since 30 avril 2022 · until 28 avril 2028

Active

Michel FRANCEUS

Chairman of the board of directors · since 30 avril 2022 · until 28 avril 2028

Active

Ronny DEVOS

Director · since 30 avril 2022 · until 25 avril 2025

Active

Ended mandates

Claude DE POURCQ

Director · since 30 avril 2022 · until 28 avril 2023

Ended

Ronny DEVOS

Director · since 30 avril 2022 · until 28 avril 2028

Ended

Olivier CALLEWAERT

Vice-chairman of the board of directors · since 27 avril 2019 · until 25 avril 2025

Ended

Willy VANMARCKE

Director · since 27 avril 2019 · until 25 avril 2025

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates27/05/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates30/07/2025
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DIVERS - OBJET - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Mandates07/07/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates10/04/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates17/04/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates27/12/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates17/05/2019
DEMISSIONS, NOMINATIONS
PDF
Mandates28/03/2017
DEMISSIONS, NOMINATIONS
PDF

Similar companies

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

See the Business plan

Timeline

13/05/2026
reconductionROUSMANS Roger — Administrateur
13/05/2026
reconductionFRANCEUS Michel — Président
13/05/2026
reconductionCALLEWAERT Olivier — Vice-président
13/05/2026
reconductionBATAILLE Vincent — Administrateur
13/05/2026
reconductionCLAUS Luc — Administrateur
13/05/2026
reconductionHOVELAQUE Guy — Administrateur
13/05/2026
reconductionLEMAN Luc — Administrateur
13/05/2026
reconductionPOLLET Sophie — Administratrice
13/05/2026
reconductionVANNESTE Célia — Administratrice
13/05/2026
reconductionVANDORPE Mathilde — Administratrice
13/05/2026
reconductionVANMARCKE Willy — Administrateur
13/05/2026
reconductionMOULIGNEAU François — Administrateur
13/05/2026
reconductionSIEUX Marc — Administrateur
13/05/2026
reconductionMEYFROIDT Gilles — commissaire aux comptes
2025
Annual accounts 202521,3 k €↑
25/04/2025
reconductionCALLEWAERT Olivier — administrateur
25/04/2025
reconductionVANMARCKE Willy — administrateur
2024
Annual accounts 20248 k €↑
2023
Annual accounts 20233 k €↓
28/04/2023
nominationCLAUS Luc — administrateur
06/02/2023
nominationROUSMANS Roger — Administrateur Régional
2022
Annual accounts 202251 k €↑
29/04/2022
nominationDE POURCQ Claude — administrateur
29/04/2022
reconductionLEMAN Luc — administrateur
29/04/2022
reconductionHOVELAQUE Guy — administrateur
29/04/2022
reconductionFRANCEUS Michel — administrateur
29/04/2022
reconductionSIEUX Marc — administrateur
29/04/2022
reconductionDEVOS Ronny — administrateur
2021
Annual accounts 20218,8 k €↓
02/09/2021
reconductionLOTTIN Steve — commissaire
2020
Annual accounts 202019,3 k €↓
2019
Annual accounts 2019124,2 k €↑
2018
Annual accounts 2018119,7 k €↑
2017
Annual accounts 2017110,9 k €↑
2016
Annual accounts 20162,1 k €↓
2015
Annual accounts 2015107,6 k €↑
01/12/2015
nominationCorinne LECAILLIER — Directrice-gérante
2014
Annual accounts 201488,6 k €↓
2013
Annual accounts 201393,1 k €↑
2012
Annual accounts 201264,2 k €↓
2011
Annual accounts 2011151,1 k €↓
2010
Annual accounts 2010168,8 k €↑
2009
Annual accounts 2009106 k €↓
2008
Annual accounts 2008125,8 k €
01/01/1925
IncorporationPublic limited company

Crédit à l'épargne immobilière

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