ACTIVE

BUILDING

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Financial year 2025 · Closed on 31/12/2025

Net result155,8 k €-15,9 %over 1 year

Revenue1,7 M €+0,5 %over 1 year

Equity7,1 M €+1,2 %over 1 year

Workforce3,0 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

BUILDING 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 3,0 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0401.632.260
Incorporation: 21/04/1929
Legal form: Public limited company
Registered office: Chaussée de Bruxelles 122
6040 Charleroi · WallonieSee on map
Contributed capital: 1 199 897,00 €
Latest accounts: 31/12/2025
Average workforce: 3,0 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, 22 filings

Trend over 19 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	1,7 M €	+0.5%	1,7 M €	-4.2%	1,7 M €	+55.2%	1,1 M €	-4.1%	1,2 M €
EBITDA	191,6 k €	-11.5%	216,5 k €	+323%	51,2 k €	-81.5%	276,7 k €	+74.3%	158,8 k €
Operating result	179,1 k €	-10.2%	199,4 k €	+94.7%	102,4 k €	-66.3%	303,5 k €	+113%	142,6 k €
Net result	155,8 k €	-15.9%	185,3 k €	+140%	77,2 k €	-72.7%	282,8 k €	+134%	120,9 k €
Balance sheet
Equity	7,1 M €	+1.2%	7 M €	+1.6%	6,9 M €	+144%	2,8 M €	+8.8%	2,6 M €
Total assets	77,5 M €	+1.2%	76,6 M €	-2.9%	78,8 M €	+48.2%	53,2 M €	+2.0%	52,2 M €
Cash	2,9 M €	+17.5%	2,5 M €	-19.9%	3,1 M €	+110%	1,5 M €	+16.9%	1,3 M €
Debts	70,4 M €	+1.2%	69,5 M €	-3.3%	71,9 M €	+42.8%	50,4 M €	+1.6%	49,5 M €
Other
Workforce	3,0 ETP	0.0%	3,0 ETP	0.0%	3,0 ETP	+50.0%	2,0 ETP	0.0%	2,0 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

9 active · 6 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Annie LUSIAUX	Director12/03/2023 → 09/03/2031
Françoise SAUVEGARDE	Chairman of the board of directors12/03/2017 → 09/03/2031Director14/03/2005 → 2017 accountsended
Bauduin GUEUR	Director11/03/2012 → 11/03/2029
Francis BRANCART	Director13/12/2023 → 11/03/2029
Luc TOUSSAINT	Director14/03/2005 → 11/03/2029
Michel NOERENS	Director12/03/2023 → 11/03/2029
Pierre MÉVISSE	Director13/12/2023 → 11/03/2029
Pierre THIRY	Director09/03/2003 → 11/03/2029
Amina BOUKAFTANE	Government commissioner01/03/2023 → 01/03/2028

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
José NOERENS	Director14/03/2021 → 2022 accounts
Jean WARNON	Director10/03/2019 → 2022 accounts
Yoane DE COSTER	Government commissioner06/10/2016 → 05/10/2021

Other companies at this address

Chaussée de Bruxelles 122 6040 Charleroi

Company	CBE no.
Crédit Ouvrier de Jumet Roux● Liquidation	0401.638.693

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	11/03/2026	10/03/2025	04/04/2024	15/03/2023	17/03/2022	18/03/2021
General meeting	08/03/2026	09/03/2025	29/03/2024	12/03/2023	13/03/2022	14/03/2021
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, 22 filings

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2025	08/03/2026	11/03/2026	French	PDF
Full model	31/12/2024	09/03/2025	10/03/2025	French	PDF
Full model	31/12/2023	29/03/2024	04/04/2024	French	PDF
Full model	31/12/2022	12/03/2023	15/03/2023	French	PDF
Full model	31/12/2021	13/03/2022	17/03/2022	French	PDF
Full model	31/12/2020	14/03/2021	18/03/2021	French	PDF
Full model	31/12/2019	08/03/2020	19/03/2020	French	PDF
Full model	31/12/2018	10/03/2019	14/03/2019	French	PDF
Full modelCorrection	31/12/2017	11/03/2018	10/09/2018	French	PDF
Full model	31/12/2017	11/03/2018	16/03/2018	French	PDF
Full model	31/12/2016	12/03/2017	20/03/2017	French	PDF
Full model	31/12/2015	13/03/2016	17/03/2016	French	PDF
Full model	31/12/2014	08/03/2015	17/03/2015	French	PDF
Full model	31/12/2013	09/03/2014	19/03/2014	French	PDF
Full model	31/12/2012	10/03/2013	15/03/2013	French	PDF
Full model	31/12/2011	11/03/2012	15/03/2012	French	PDF
Full model	31/12/2010	13/03/2011	21/03/2011	French	PDF
Full model	31/12/2009	14/03/2010	07/04/2010	French	PDF
Full model	31/12/2008	08/03/2009	18/03/2009	French	PDF
Full model	31/12/2007	09/03/2008	26/03/2008	French	PDF
Full modelCorrection	31/12/2006	11/03/2007	27/06/2007	French	PDF
Full model	31/12/2006	11/03/2007	14/03/2007	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

9 active · 6 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Annie LUSIAUX	Director12/03/2023 → 09/03/2031
Françoise SAUVEGARDE	Chairman of the board of directors12/03/2017 → 09/03/2031Director14/03/2005 → 2017 accountsended
Bauduin GUEUR	Director11/03/2012 → 11/03/2029
Francis BRANCART	Director13/12/2023 → 11/03/2029
Luc TOUSSAINT	Director14/03/2005 → 11/03/2029
Michel NOERENS	Director12/03/2023 → 11/03/2029
Pierre MÉVISSE	Director13/12/2023 → 11/03/2029
Pierre THIRY	Director09/03/2003 → 11/03/2029
Amina BOUKAFTANE	Government commissioner01/03/2023 → 01/03/2028

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
José NOERENS	Director14/03/2021 → 2022 accounts
Jean WARNON	Director10/03/2019 → 2022 accounts
Yoane DE COSTER	Government commissioner06/10/2016 → 05/10/2021

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates25/03/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates25/03/2025
DEMISSIONS, NOMINATIONS
PDF
Restructuring24/01/2024
DEMISSIONS, NOMINATIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Capital / shares24/01/2024
CAPITAL, ACTIONS - DIVERS
PDF
Restructuring19/10/2023
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring12/07/2023
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates31/03/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates30/03/2022
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

Incorporation1929

Name

Registered office

Annual accounts

Filings19 filings

Mandates

Annie LUSIAUX

Françoise SAUVEGARDE

Luc TOUSSAINT

Bauduin GUEUR

Pierre THIRY

Francis BRANCART

Pierre MÉVISSE

Michel NOERENS

Amina BOUKAFTANE

José NOERENS

Jean WARNON

Yoane DE COSTER

Show the 3 other mandates

196619671968196919701971197219731974197519761977197819791980198119821983198419851986198719881989199019911992199319941995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025202620272028202920302031

BUILDING

Chaussée de Bruxelles 122, 6040 Jumet (Charleroi)

Director

Chairman of the board of directorsDirector

Director

Government commissioner

Director

Government commissioner

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Chaussée de Bruxelles 122, 6040 Jumet (Charleroi)Current	accounts 2022 → 2025	Accounts 2025 · 2026-00052270

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
BUILDINGCurrent	accounts 2022 → 2025	Accounts 2025 · 2026-00052270

Events

08/03/2026
nominationSAUVEGARDE Françoise · administrateur
08/03/2026
reconductionTHIRY Pierre · administrateur
08/03/2026
nominationTOUSSAINT Luc · administrateur
08/03/2026
nominationGUEUR Bauduin · administrateur
08/03/2026
nominationLUSIAUX Annie · administrateur
08/03/2026
nominationNOERENS Michel · administrateur
08/03/2026
nominationBRANCART Francis · administrateur
08/03/2026
reconductionMÉVISSE Pierre · administrateur
2025
Annual accounts 2025155,8 k €↓
09/03/2025
reconductionSAUVEGARDE Françoise · administrateur
09/03/2025
reconductionLUSIAUX Annie · administrateur
09/03/2025
nominationTHIRY Pierre · administrateur
09/03/2025
nominationTOUSSAINT Luc · administrateur
09/03/2025
nominationGUEUR Bauduin · administrateur
09/03/2025
nominationNOERENS Michel · administrateur
09/03/2025
nominationBRANCART Francis · administrateur
09/03/2025
nominationMEVISSE Pierre · administrateur
09/03/2025
nominationMIESSE Pascal · directeur-gérant
2024
Annual accounts 2024185,3 k €↑
2023
Annual accounts 202377,2 k €↓
12/03/2023
reconductionSAUVEGARDE Frangoise · administrateur
12/03/2023
nominationLUSIAUX Annie · administrateur
12/03/2023
nominationNOERENS Michel · administrateur
12/03/2023
reconductionAdil El Filali · commissaire-réviseur
2022
Annual accounts 2022282,8 k €↑
2021
Annual accounts 2021120,9 k €↑
2020
Annual accounts 202085,7 k €↑
2019
Annual accounts 201958,3 k €↑
2018
Annual accounts 201856,5 k €↑
2017
Annual accounts 201756,4 k €↓
2016
Annual accounts 201662,6 k €↑
2015
Annual accounts 201556,3 k €↓
2014
Annual accounts 201464,8 k €↓
2013
Annual accounts 2013116,6 k €↑
2012
Annual accounts 201270,8 k €↓
2011
Annual accounts 201199,1 k €↑
2010
Annual accounts 20104,9 k €↓
2009
Annual accounts 2009245 k €↑
2008
Annual accounts 200895,9 k €↑
2007
Annual accounts 200742,9 k €
21/04/1929
IncorporationPublic limited company

BUILDING

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