CREDIALYS
0401.465.578 · rovalta.com · 23/09/2026
ACTIVE
CREDIALYS
Financial year 2025 · closed on 31/12/2025
Net result
27,7 k €
+137.6% YoY
Revenue
1,4 M €
Equity
4 M €
+0.7% YoY
Workforce
3,7 ETP
-19.6% YoY
Overview
What does CREDIALYS do?
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
4500 Huy · WallonieSee on map
Contributed capital
198 233,94 €
Latest accounts
31/12/2025
Average workforce
3,7 ETP
Joint committees (1)
- 308
Signals
ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts
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Financials
Trend over 19 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | |||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||||||||||||||||||||||||||||||
| Revenue | 1,4 M € | – | – | – | – | – | 1,2 M € | -15.7% | 1,4 M € | -26.3% | 2 M € | -11.9% | 2,2 M € | -4.5% | 2,3 M € | +2.2% | 2,3 M € | +4.5% | 2,2 M € | -1.4% | 2,2 M € | -1.6% | 2,2 M € | -2.9% | 2,3 M € | +7.3% | 2,2 M € | -0.1% | 2,2 M € | -9.8% | 2,4 M € | ||||||
| EBITDA | 37,7 k € | +148% | -78,3 k € | +75.3% | -316,8 k € | -1952% | 17,1 k € | -76.3% | 72,1 k € | +18.9% | 60,7 k € | -41.6% | 103,9 k € | +25.9% | 82,5 k € | +113% | 38,7 k € | -49.5% | 76,6 k € | -27.6% | 105,8 k € | -29.2% | 149,5 k € | +73.7% | 86,1 k € | -15.6% | 102 k € | -23.7% | 133,6 k € | -27.9% | 185,2 k € | -14.1% | 215,6 k € | +23.3% | 174,9 k € | -10.9% | 196,4 k € |
| Operating result | 25,1 k € | +131% | -82,1 k € | +81.8% | -450,4 k € | -1743% | 27,4 k € | -83.4% | 164,9 k € | +398% | 33,1 k € | -24.9% | 44,1 k € | -38.5% | 71,7 k € | +23654% | -304,2 € | -102% | 13,3 k € | -76.6% | 56,6 k € | -51.2% | 116,1 k € | +10.9% | 104,8 k € | +18.9% | 88,1 k € | -26.9% | 120,4 k € | -30.2% | 172,6 k € | -15.3% | 203,8 k € | +20.9% | 168,6 k € | -17.7% | 204,9 k € |
| Net result | 27,7 k € | +138% | -73,7 k € | +83.5% | -447,6 k € | -695% | 75,2 k € | -53.2% | 160,8 k € | +300% | 40,2 k € | -62.1% | 105,9 k € | +117% | 48,9 k € | +207% | -45,7 k € | -275% | 26,1 k € | -62.3% | 69,2 k € | -45.4% | 126,8 k € | +11.8% | 113,4 k € | +3.0% | 110,1 k € | -14.5% | 128,8 k € | -29.4% | 182,5 k € | -29.4% | 258,5 k € | +38.0% | 187,3 k € | +28.9% | 145,3 k € |
| Balance sheet | |||||||||||||||||||||||||||||||||||||
| Equity | 4 M € | +0.7% | 3,9 M € | -1.8% | 4 M € | -10.0% | 4,5 M € | +118% | 2 M € | -26.6% | 2,8 M € | +0.7% | 2,8 M € | +3.1% | 2,7 M € | -17.4% | 3,2 M € | -1.4% | 3,3 M € | -0.2% | 3,3 M € | +0.1% | 3,3 M € | +1.8% | 3,2 M € | +1.4% | 3,2 M € | +1.4% | 3,1 M € | +2.0% | 3,1 M € | +3.9% | 3 M € | +6.9% | 2,8 M € | +4.5% | 2,7 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 € | -10.5% | 33,4 M € | -11.9% | 38 M € | -11.6% | 42,9 M € | -22.8% | 55,6 M € | -8.5% | 60,7 M € | -5.8% | 64,5 M € | +2.0% | 63,2 M € | +10.3% | 57,3 M € | +1.1% | 56,6 M € | +4.1% | 54,4 M € | -1.8% | 55,4 M € | +6.8% | 51,9 M € | +11.6% | 46,5 M € | +2.8% | 45,3 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 € | +0.9% | 2,7 M € | +7.0% | 2,5 M € | +31.1% | 1,9 M € | -21.6% | 2,5 M € | +57.2% | 1,6 M € | -26.2% | 2,1 M € | -15.6% | 2,5 M € | +270% | 679 k € | -77.5% | 3 M € | +56.0% | 1,9 M € | -13.6% | 2,2 M € | +5.0% | 2,1 M € | +58.1% | 1,4 M € | +185% | 474,3 k € |
| Debts | 47,1 M € | -7.0% | 50,7 M € | -5.6% | 53,7 M € | -2.1% | 54,8 M € | +96.4% | 27,9 M € | -9.0% | 30,7 M € | -12.9% | 35,2 M € | -12.6% | 40,2 M € | -23.1% | 52,3 M € | -8.9% | 57,4 M € | -6.1% | 61,2 M € | +2.2% | 59,8 M € | +10.9% | 54 M € | +1.3% | 53,3 M € | +4.2% | 51,1 M € | -2.0% | 52,2 M € | +7.0% | 48,8 M € | +12.0% | 43,5 M € | +2.7% | 42,4 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 | -11.8% | 1,7 ETP | -5.6% | 1,8 ETP | 0.0% | 1,8 ETP | -10.0% | 2,0 ETP | -13.0% | 2,3 ETP | +4.5% | 2,2 ETP | -12.0% | 2,5 ETP | +25.0% | 2,0 ETP | 0.0% | 2,0 ETP | 0.0% | 2,0 ETP | 0.0% | 2,0 ETP | 0.0% | 2,0 ETP | 0.0% | 2,0 ETP | -33.3% | 3,0 ETP |
Estimate
Indicative valuation
As an indication, this company is worth
between 0 € and 100 k€
See the valuationGovernance
Board of directors
Seen on filing of 31/12/2025 · 14 active · 75 ended
Active mandates
Anne Ferir
ActiveClaude Parmentier
ActiveDominique Brugmans
ActiveFrédéric Jacquemin
ActiveFrédéric Vandelli
ActiveGeorges Beaujean
ActiveGuillaume Hellemans
ActiveJean Claude Peeters
ActiveJulien André
ActiveLéon Campstein
ActiveMartin Jamar
ActivePaul Ernoux
ActiveSamuel Kinable
ActiveSandra Belhocine
ActiveEnded mandates
Frédéric Jacquemin
EndedGeorges Beaujean
EndedJean Claude Peeters
EndedMartin Jamar
EndedFinancials
Annual accounts
Full financial information
| 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 |
Ratios
Financial ratios
Looking for more information about this company?
Try for 7 daysFilings
Annual accounts filings
23 filings with the NBB
| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Abridged model | 31/12/2025 | 04/06/2026 | 24/07/2026 | French | |
| Abridged model | 31/12/2024 | 05/06/2025 | 23/06/2025 | French | |
| Abridged model | 31/12/2023 | 04/04/2024 | 06/07/2024 | French | |
| Abridged model | 31/12/2022 | 25/03/2023 | 03/07/2023 | French | |
| Abridged model | 31/12/2021 | 05/05/2022 | 14/07/2022 | French | |
| Abridged modelCorrection | 31/12/2020 | 17/06/2021 | 02/11/2021 | French | |
| Abridged model | 31/12/2020 | 17/06/2021 | 06/09/2021 | French | |
| Full model | 31/12/2019 | 08/07/2020 | 03/09/2020 | French | |
| Full model | 31/12/2018 | 25/04/2019 | 18/06/2019 | French | |
| Full model | 31/12/2017 | 21/04/2018 | 16/05/2018 | French | |
| Full model | 31/12/2016 | 25/03/2017 | 25/10/2017 | French | |
| Full model | 31/12/2015 | 26/03/2016 | 02/05/2016 | French | |
| Full model | 31/12/2014 | 28/03/2015 | 22/04/2015 | French | |
| Full model | 31/12/2013 | 29/03/2014 | 14/05/2014 | French | |
| Full model | 31/12/2012 | 30/03/2013 | 04/04/2013 | French | |
| Full model | 31/12/2011 | 17/03/2012 | 19/03/2012 | French | |
| Full modelCorrection | 31/12/2010 | 26/03/2011 | 18/04/2011 | French | |
| Full model | 31/12/2010 | 26/03/2011 | 28/03/2011 | French | |
| Full model | 31/12/2009 | 27/03/2010 | 16/04/2010 | French | |
| Full model | 31/12/2008 | 28/03/2009 | 06/04/2009 | French | |
| Full model | 31/12/2007 | 05/04/2008 | 28/04/2008 | French | |
| Full modelCorrection | 31/12/2006 | 31/03/2007 | 17/12/2007 | French | |
| Full model | 31/12/2006 | 31/03/2007 | 11/05/2007 | French |
Valuation
Estimate
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.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Governance
Board of directors
Seen on filing of 31/12/2025 · 14 active · 75 ended
Active mandates
Anne Ferir
ActiveClaude Parmentier
ActiveDominique Brugmans
ActiveFrédéric Jacquemin
ActiveFrédéric Vandelli
ActiveGeorges Beaujean
ActiveGuillaume Hellemans
ActiveJean Claude Peeters
ActiveJulien André
ActiveLéon Campstein
ActiveMartin Jamar
ActivePaul Ernoux
ActiveSamuel Kinable
ActiveSandra Belhocine
ActiveEnded mandates
Frédéric Jacquemin
EndedGeorges Beaujean
EndedJean Claude Peeters
EndedMartin Jamar
EndedShareholders
Ownership and network
Looking for more information about this company?
Try for 7 daysPublications
Belgian Official Gazette
Belgian Official Gazette publications
- Mandates16/07/2026DEMISSIONS, NOMINATIONS
- Mandates17/10/2025DEMISSIONS, NOMINATIONS
- Mandates06/01/2025CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
- Restructuring29/12/2022DENOMINATION - CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
- Mandates28/12/2022DIVERS - DEMISSIONS, NOMINATIONS
- Restructuring24/10/2022RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
- Mandates24/06/2022DEMISSIONS, NOMINATIONS
- Mandates17/01/2022STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
Source: Belgian Official Gazette
Similar companies
Competition
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 202527,7 k €↑
- 12/06/2025nominationPEETERS Jean-Claude — Président
- 12/06/2025nominationJAMAR Martin — premier vice-président
- 12/06/2025nominationPARMENTIER Claude — Administrateur-Délégué
- 05/06/2025nominationDEFLANDRE Olivier — représentant du commissaire (SRL VMD Réviseurs d'entreprise)
- 05/06/2025reconductionPEETERS Jean-Claude — administrateur
- 05/06/2025reconductionPARMENTIER Claude — administrateur
- 05/06/2025reconductionCAMPSTEIN Léon — administrateur
- 05/06/2025reconductionBEAUJEAN Georges — administrateur
- 05/06/2025reconductionANDRE Julien — administrateur
- 05/06/2025reconductionVANDELLI Frédéric — administrateur
- 05/06/2025reconductionJAMAR Martin — administrateur
- 05/06/2025reconductionERNOUX Paul — administrateur
- 05/06/2025reconductionJACQUEMIN Frédéric — administrateur
- 05/06/2025reconductionBRUGMANS Dominique — administrateur
- 05/06/2025nominationBELHOCINE Sandra — administrateur
- 05/06/2025nominationKINABLE Samuel — administrateur
- 05/06/2025reconductionHELLEMANS Guillaume — administrateur
- 2024Annual accounts 2024-73,7 k €↑
- 17/10/2024nominationJulie RAUW — Directrice-gérante
- 2023Annual accounts 2023-447,6 k €↓
- 2022Annual accounts 202275,2 k €↓
- 2022Name changeCREDIALYS
- 01/01/2022autre
- 2021Annual accounts 2021160,8 k €↑
- 2020Annual accounts 202040,2 k €↓
- 2019Annual accounts 2019105,9 k €↑
- 2018Annual accounts 201848,9 k €↑
- 2016Annual accounts 2016-45,7 k €↓
- 2015Annual accounts 201526,1 k €↓
- 2014Annual accounts 201469,2 k €↓
- 2013Annual accounts 2013126,8 k €↑
- 2012Annual accounts 2012113,4 k €↑
- 2011Annual accounts 2011110,1 k €↓
- 2010Annual accounts 2010128,8 k €↓
- 2009Annual accounts 2009182,5 k €↓
- 2008Annual accounts 2008258,5 k €↑
- 2007Annual accounts 2007187,3 k €↑
- 2006Annual accounts 2006145,3 k €
- 2006Name changeL'Ouvrier chez Lui
- 22/12/1948IncorporationPublic limited company