CREDIALYS (SA) — Huy (4500)

Identity

Source · BCE/KBO

CREDIALYS is a Public limited company incorporated in 1948. Its main activity is: Other credit granting. Its registered office is in Huy. It employs on average 3,7 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0401.465.578
Incorporation: 22/12/1948
Legal form: Public limited company
Registered office: Rue d'Amérique 26/1
4500 Huy · WallonieSee on map
Contributed capital: 198 233,94 €
Latest accounts: 31/12/2025
Average workforce: 3,7 ETP

Activities (NACE)

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

Joint committees (1)

308

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 23 filings

Trend over 19 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	1,4 M €		–		–		–		–
EBITDA	37,7 k €	+148%	-78,3 k €	+75.3%	-316,8 k €	-1952%	17,1 k €	-76.3%	72,1 k €
Operating result	25,1 k €	+131%	-82,1 k €	+81.8%	-450,4 k €	-1743%	27,4 k €	-83.4%	164,9 k €
Net result	27,7 k €	+138%	-73,7 k €	+83.5%	-447,6 k €	-695%	75,2 k €	-53.2%	160,8 k €
Balance sheet
Equity	4 M €	+0.7%	3,9 M €	-1.8%	4 M €	-10.0%	4,5 M €	+118%	2 M €
Total assets	51,1 M €	-6.4%	54,6 M €	-5.3%	57,7 M €	-2.7%	59,3 M €	+97.9%	29,9 M €
Cash	1,5 M €	+35.0%	1,1 M €	-30.1%	1,6 M €	-35.5%	2,4 M €	-11.0%	2,7 M €
Debts	47,1 M €	-7.0%	50,7 M €	-5.6%	53,7 M €	-2.1%	54,8 M €	+96.4%	27,9 M €
Other
Workforce	3,7 ETP	-19.6%	4,6 ETP	-23.3%	6,0 ETP	+20.0%	5,0 ETP	+233%	1,5 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

14 active · 23 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Anne Ferir	Directorsince 05/06/2025
Claude Parmentier	Managing directorsince 05/06/2025Director28/03/2015 → 2019 accountsendedChairman of the board of directors28/03/2009 → 2014 accountsendedMandate2016 accountsended
Dominique Brugmans	Director05/06/2025 → 12/08/2025Chairman of the board of directors13/03/2013 → 2019 accountsendedMandate2014 accountsended
Frédéric Jacquemin	Directorsince 29/12/2022
Frédéric Vandelli	Directorsince 05/06/2025
Georges Beaujean	Directorsince 29/12/2022
Guillaume Hellemans	Directorsince 25/04/2019
Jean Claude Peeters	Chairman of the board of directorssince 29/12/2022
Julien André	Vice-chairman of the board of directorssince 05/06/2025Director25/04/2019 → 2019 accountsended
Léon Campstein	Directorsince 05/06/2025
Martin Jamar	Vice-chairman of the board of directorssince 05/06/2025Director29/12/2022 → 2024 accountsended
Paul Ernoux	Directorsince 29/12/2022
Samuel Kinable	Directorsince 05/06/2025
Sandra Belhocine	Directorsince 05/06/2025

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Janine DAVIGNON	Director25/04/2019 → 2019 accounts
Nicolas DOCQUIER	Director25/04/2019 → 2019 accounts
Nicole GIROUL	Director25/04/2019 → 2019 accounts
Aurélie OCHELEN	Director01/10/2017 → 2019 accounts

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	24/07/2026	23/06/2025	06/07/2024	03/07/2023	14/07/2022	02/11/2021
General meeting	04/06/2026	05/06/2025	04/04/2024	25/03/2023	05/05/2022	17/06/2021
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, 23 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	04/06/2026	24/07/2026	French	PDF
Abridged model	31/12/2024	05/06/2025	23/06/2025	French	PDF
Abridged model	31/12/2023	04/04/2024	06/07/2024	French	PDF
Abridged model	31/12/2022	25/03/2023	03/07/2023	French	PDF
Abridged model	31/12/2021	05/05/2022	14/07/2022	French	PDF
Abridged modelCorrection	31/12/2020	17/06/2021	02/11/2021	French	PDF
Abridged model	31/12/2020	17/06/2021	06/09/2021	French	PDF
Full model	31/12/2019	08/07/2020	03/09/2020	French	PDF
Full model	31/12/2018	25/04/2019	18/06/2019	French	PDF
Full model	31/12/2017	21/04/2018	16/05/2018	French	PDF
Full model	31/12/2016	25/03/2017	25/10/2017	French	PDF
Full model	31/12/2015	26/03/2016	02/05/2016	French	PDF
Full model	31/12/2014	28/03/2015	22/04/2015	French	PDF
Full model	31/12/2013	29/03/2014	14/05/2014	French	PDF
Full model	31/12/2012	30/03/2013	04/04/2013	French	PDF
Full model	31/12/2011	17/03/2012	19/03/2012	French	PDF
Full modelCorrection	31/12/2010	26/03/2011	18/04/2011	French	PDF
Full model	31/12/2010	26/03/2011	28/03/2011	French	PDF
Full model	31/12/2009	27/03/2010	16/04/2010	French	PDF
Full model	31/12/2008	28/03/2009	06/04/2009	French	PDF
Full model	31/12/2007	05/04/2008	28/04/2008	French	PDF
Full modelCorrection	31/12/2006	31/03/2007	17/12/2007	French	PDF
Full model	31/12/2006	31/03/2007	11/05/2007	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

14 active · 23 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Anne Ferir	Directorsince 05/06/2025
Claude Parmentier	Managing directorsince 05/06/2025Director28/03/2015 → 2019 accountsendedChairman of the board of directors28/03/2009 → 2014 accountsendedMandate2016 accountsended
Dominique Brugmans	Director05/06/2025 → 12/08/2025Chairman of the board of directors13/03/2013 → 2019 accountsendedMandate2014 accountsended
Frédéric Jacquemin	Directorsince 29/12/2022
Frédéric Vandelli	Directorsince 05/06/2025
Georges Beaujean	Directorsince 29/12/2022
Guillaume Hellemans	Directorsince 25/04/2019
Jean Claude Peeters	Chairman of the board of directorssince 29/12/2022
Julien André	Vice-chairman of the board of directorssince 05/06/2025Director25/04/2019 → 2019 accountsended
Léon Campstein	Directorsince 05/06/2025
Martin Jamar	Vice-chairman of the board of directorssince 05/06/2025Director29/12/2022 → 2024 accountsended
Paul Ernoux	Directorsince 29/12/2022
Samuel Kinable	Directorsince 05/06/2025
Sandra Belhocine	Directorsince 05/06/2025

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Janine DAVIGNON	Director25/04/2019 → 2019 accounts
Nicolas DOCQUIER	Director25/04/2019 → 2019 accounts
Nicole GIROUL	Director25/04/2019 → 2019 accounts
Aurélie OCHELEN	Director01/10/2017 → 2019 accounts

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Other16/07/2026
ajout d'un membre au Conseil d'Administration
PDF
Mandates17/10/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates06/01/2025
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Restructuring29/12/2022
DENOMINATION - CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates28/12/2022
DIVERS - DEMISSIONS, NOMINATIONS
PDF
Restructuring24/10/2022
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates24/06/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates17/01/2022
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - CAPITAL, ACTIONS - 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

Incorporation1948

Name

Registered office

Annual accounts

Filings19 filings

Mandates

Sandra Belhocine

Claude Parmentier

Guillaume Hellemans

Samuel Kinable

Frédéric Jacquemin

Léon Campstein

Martin Jamar

Georges Beaujean

Frédéric Vandelli

Paul Ernoux

Julien André

Jean Claude Peeters

Show the 25 other mandates

1966196719681969197019711972197319741975197619771978197919801981198219831984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023202420252026

CREDIALYSL'Ouvrier chez Lui

Rue d'Amérique 26/1, 4500 Huy

Director

Managing directorDirectorChairman of the board of directors

Director

Vice-chairman of the board of directorsDirector

Director

Vice-chairman of the board of directors

Chairman of the board of directors

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Rue d'Amérique 26/1, 4500 HuyCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00324968

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
CREDIALYSCurrent	accounts 2022 → 2025	Accounts 2025 · 2026-00324968
L'Ouvrier chez Lui	accounts 2006 → 2021	Accounts 2021 · 2022-20187949

Events

2025
Annual accounts 202527,7 k €↑
12/06/2025
nominationPEETERS Jean-Claude · Président
12/06/2025
nominationJAMAR Martin · premier vice-président
12/06/2025
nominationPARMENTIER Claude · Administrateur-Délégué
05/06/2025
nominationDEFLANDRE Olivier · représentant du commissaire (SRL VMD Réviseurs d'entreprise)
05/06/2025
reconductionPEETERS Jean-Claude · administrateur
05/06/2025
reconductionPARMENTIER Claude · administrateur
05/06/2025
reconductionCAMPSTEIN Léon · administrateur
05/06/2025
reconductionBEAUJEAN Georges · administrateur
05/06/2025
reconductionANDRE Julien · administrateur
05/06/2025
reconductionVANDELLI Frédéric · administrateur
05/06/2025
reconductionJAMAR Martin · administrateur
05/06/2025
reconductionERNOUX Paul · administrateur
05/06/2025
reconductionJACQUEMIN Frédéric · administrateur
05/06/2025
reconductionBRUGMANS Dominique · administrateur
05/06/2025
nominationBELHOCINE Sandra · administrateur
05/06/2025
nominationKINABLE Samuel · administrateur
05/06/2025
reconductionHELLEMANS Guillaume · administrateur
2024
Annual accounts 2024-73,7 k €↑
17/10/2024
nominationJulie RAUW · Directrice-gérante
2023
Annual accounts 2023-447,6 k €↓
2022
Annual accounts 202275,2 k €↓
2022
Name changeCREDIALYS
01/01/2022
autre
2021
Annual accounts 2021160,8 k €↑
2020
Annual accounts 202040,2 k €↓
2019
Annual accounts 2019105,9 k €↑
2018
Annual accounts 201848,9 k €↑
2016
Annual accounts 2016-45,7 k €↓
2015
Annual accounts 201526,1 k €↓
2014
Annual accounts 201469,2 k €↓
2013
Annual accounts 2013126,8 k €↑
2012
Annual accounts 2012113,4 k €↑
2011
Annual accounts 2011110,1 k €↓
2010
Annual accounts 2010128,8 k €↓
2009
Annual accounts 2009182,5 k €↓
2008
Annual accounts 2008258,5 k €↑
2007
Annual accounts 2007187,3 k €↑
2006
Annual accounts 2006145,3 k €
22/12/1948
IncorporationPublic limited company

CREDIALYS

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