ACTIVE

LA MAISON OUVRIERE DE L'ARRONDISSEMENT DE CHARLEROI ET DU SUD-HAINAUT

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Financial year 2025 · Closed on 31/12/2025

Net result73,2 k €-55,2 %over 1 year

Revenue1,5 M €-3,9 %over 1 year

Equity4,3 M €+1,7 %over 1 year

Workforce3,8 ETP-5,0 %over 1 year

Identity

Source · BCE/KBO

LA MAISON OUVRIERE DE L'ARRONDISSEMENT DE CHARLEROI ET DU SUD-HAINAUT is a Public limited company incorporated in 1929. Its main activity is: Other credit granting. Its registered office is in Charleroi. It employs on average 3,8 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0401.553.373
Incorporation: 01/01/1929
Legal form: Public limited company
Registered office: Boulevard Alfred de Fontaine 4 box 1
6000 Charleroi · WallonieSee on map
Contributed capital: 109 269,00 €
Latest accounts: 31/12/2025
Average workforce: 3,8 ETP

Activities (NACE)

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

Joint committees (1)

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debtsHigh revenue

Financials

Source · NBB, 21 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	1,5 M €	-3.9%	1,5 M €	-7.5%	1,7 M €	-0.2%	1,7 M €	+21.0%	1,4 M €
EBITDA	64 k €	-64.8%	181,8 k €	-48.5%	353,2 k €	-19.0%	436,1 k €	+190%	150,5 k €
Operating result	63,1 k €	-60.7%	160,5 k €	-47.7%	306,7 k €	-29.9%	437,7 k €	+228%	133,5 k €
Net result	73,2 k €	-55.2%	163,4 k €	-46.1%	303,3 k €	-28.9%	426,7 k €	+207%	138,9 k €
Balance sheet
Equity	4,3 M €	+1.7%	4,2 M €	+4.0%	4,1 M €	+8.0%	3,8 M €	+12.7%	3,4 M €
Total assets	55,9 M €	+1.3%	55,2 M €	+2.5%	53,8 M €	+0.5%	53,6 M €	-1.9%	54,6 M €
Cash	913,1 k €	-25.7%	1,2 M €	-20.6%	1,5 M €	+5.6%	1,5 M €	-33.9%	2,2 M €
Debts	51,5 M €	+1.2%	50,9 M €	+2.3%	49,7 M €	-0.1%	49,8 M €	-2.9%	51,3 M €
Other
Workforce	3,8 ETP	-5.0%	4,0 ETP	0.0%	4,0 ETP	+33.3%	3,0 ETP	0.0%	3,0 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

5 active · 15 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
François DUCARME	Director19/04/2010 → 20/04/2031Mandateended
Isabella GRECO	Director15/04/2019 → 20/04/2031Mandateended
Gerard JEANMENNE	Chairman of the board of directors23/12/2004 → 19/04/2028Director23/12/2004 → 23/12/2010endedVice-chairman of the board of directors23/12/2004 → 23/12/2010endedMandateended
Philippe VRYENS	Vice-chairman of the board of directors23/12/2004 → 19/04/2028Director23/12/2004 → 23/12/2010endedMandateended
Serge VAN BERGEN	Director23/12/2004 → 19/04/2028Mandateended

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Natacha BLANCHART	Director17/10/2024 → 22/04/2025
Jean-Luc VANDROOGENBROECK	Government commissioner01/01/2017 → 18/04/2021
Fabrice DEROOVER	Director01/01/2012 → 01/01/2016

Other companies at this address

Boulevard Alfred de Fontaine 4 6000 Charleroi

Company	CBE no.
CABINET D'AVOCATS SCHONNARTZ● Active	0842.293.758
crefi conseils● Active	0880.496.813
FOSSé GILLES, HUISSIER DE JUSTICE● Active	0842.083.526
GROUPE CREFI● Active	0746.604.743
TAHIRIDENT● Active	1024.005.145

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	21/04/2026	23/04/2025	16/04/2024	24/05/2023	20/04/2022	20/04/2021
General meeting	20/04/2026	22/04/2025	15/04/2024	17/04/2023	19/04/2022	19/04/2021
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, 21 filings

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2025	20/04/2026	21/04/2026	French	PDF
Full model	31/12/2024	22/04/2025	23/04/2025	French	PDF
Full model	31/12/2023	15/04/2024	16/04/2024	French	PDF
Full modelCorrection	31/12/2022	17/04/2023	24/05/2023	French	PDF
Full model	31/12/2022	17/04/2023	18/04/2023	French	PDF
Full model	31/12/2021	19/04/2022	20/04/2022	French	PDF
Full model	31/12/2020	19/04/2021	20/04/2021	French	PDF
Full model	31/12/2019	07/09/2020	15/09/2020	French	PDF
Full model	31/12/2018	15/04/2019	18/04/2019	French	PDF
Full model	31/12/2017	16/04/2018	17/04/2018	French	PDF
Full model	31/12/2016	18/04/2017	19/04/2017	French	PDF
Full model	31/12/2015	18/04/2016	10/05/2016	French	PDF
Full model	31/12/2014	20/04/2015	12/05/2015	French	PDF
Full model	31/12/2013	22/04/2014	14/05/2014	French	PDF
Full model	31/12/2012	15/04/2013	22/04/2013	French	PDF
Full model	31/12/2011	16/04/2012	10/05/2012	French	PDF
Full model	31/12/2010	18/04/2011	17/05/2011	French	PDF
Full model	31/12/2009	19/04/2010	05/05/2010	French	PDF
Full model	31/12/2008	20/04/2009	04/05/2009	French	PDF
Full model	31/12/2007	21/04/2008	28/04/2008	French	PDF
Full model	31/12/2006	16/04/2007	16/05/2007	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

5 active · 15 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
François DUCARME	Director19/04/2010 → 20/04/2031Mandateended
Isabella GRECO	Director15/04/2019 → 20/04/2031Mandateended
Gerard JEANMENNE	Chairman of the board of directors23/12/2004 → 19/04/2028Director23/12/2004 → 23/12/2010endedVice-chairman of the board of directors23/12/2004 → 23/12/2010endedMandateended
Philippe VRYENS	Vice-chairman of the board of directors23/12/2004 → 19/04/2028Director23/12/2004 → 23/12/2010endedMandateended
Serge VAN BERGEN	Director23/12/2004 → 19/04/2028Mandateended

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Natacha BLANCHART	Director17/10/2024 → 22/04/2025
Jean-Luc VANDROOGENBROECK	Government commissioner01/01/2017 → 18/04/2021
Fabrice DEROOVER	Director01/01/2012 → 01/01/2016

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Registered office27/01/2026
SIEGE SOCIAL
PDF
Mandates09/05/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates29/10/2024
DEMISSIONS, NOMINATIONS
PDF
Other26/04/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Other05/04/2023
DIVERS
PDF
Mandates03/05/2022
DEMISSIONS, NOMINATIONS
PDF
Other31/03/2022
DIVERS
PDF
Other09/04/2021
DIVERS
PDF

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

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Timeline

Source · CBE, NBB annual accounts

Year

Identity

Incorporation1929

Name

Registered office

Annual accounts

Filings20 filings

Mandates

François DUCARME

Isabella GRECO

Serge VAN BERGEN

Philippe VRYENS

Gérard JEANMENNE

Natacha BLANCHART

Jean-Luc VANDROOGENBROECK

Fabrice DEROOVER

Robert LAINEZ

Marc PARMENTIER

Antonio MORONI

Daniel JACQMIN

and 7 more mandates

196619671968196919701971197219731974197519761977197819791980198119821983198419851986198719881989199019911992199319941995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025202620272028202920302031

LA MAISON OUVRIERE DE L'ARRONDISSEMENT DE CHARLEROI ET DU SUD-HAINAUT

Boulevard Alfred de Fontaine 4 bte 1, 6000 CharleroiRue de France 34, 6000 Charleroi

Director

Vice-chairman of the board of directorsDirector

Chairman of the board of directorsVice-chairman of the board of directorsDirector

Government commissioner

Director

Chairman of the board of directors

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Boulevard Alfred de Fontaine 4 bte 1, 6000 CharleroiCurrent	accounts 2025	Accounts 2025 · 2026-00084326
Rue de France 34, 6000 Charleroi	accounts 2021 → 2024	Accounts 2024 · 2025-00074785

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
LA MAISON OUVRIERE DE L'ARRONDISSEMENT DE CHARLEROI ET DU SUD-HAINAUTCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00084326

Events

2025
Annual accounts 202573,2 k €↓
22/04/2025
nominationAdil EL FILALI · commissaire-réviseur
22/04/2025
nominationIsabella GRECO · administratrice
22/04/2025
reconductionFrançois DUCARME · administrateur
2024
Annual accounts 2024163,4 k €↓
17/10/2024
nominationBLANCHART Natacha · administrateur
2023
Annual accounts 2023303,3 k €↓
2022
Annual accounts 2022426,7 k €↑
19/04/2022
nominationAdil EL FILALI · commissaire-réviseur
19/04/2022
reconductionJEANMENNE Gérard · Président du conseil d'administration
19/04/2022
reconductionVRYENS Philippe · Vice-Président du conseil d'administration
19/04/2022
reconductionDUCARME François · administrateur
19/04/2022
reconductionVANBERGEN Serge · administrateur
2021
Annual accounts 2021138,9 k €↓
2020
Annual accounts 2020195,4 k €↑
2019
Annual accounts 2019174,5 k €↑
2018
Annual accounts 201839,6 k €↓
2017
Annual accounts 201750,6 k €↓
01/03/2017
nominationAngelo GIANNINI · Directeur-Gérant
2016
Annual accounts 201665,9 k €↓
2015
Annual accounts 2015116,8 k €↓
2014
Annual accounts 2014128 k €↑
2013
Annual accounts 201368,5 k €↓
2012
Annual accounts 2012110,8 k €↓
2011
Annual accounts 2011126,7 k €↑
2010
Annual accounts 2010102,1 k €↓
2009
Annual accounts 2009631,5 k €↑
2008
Annual accounts 2008121,4 k €↑
2007
Annual accounts 2007101,8 k €↑
2006
Annual accounts 200642,9 k €
01/01/1929
IncorporationPublic limited company

LA MAISON OUVRIERE DE L'ARRONDISSEMENT DE CHARLEROI ET DU SUD-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