ACTIVE

BUILDING

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Financial year 2025 · closed on 31/12/2025

Net result

155,8 k €

-15.9% YoY

Revenue

1,7 M €

+0.5% YoY

Equity

7,1 M €

+1.2% YoY

Workforce

3,0 ETP

0.0% YoY

What does BUILDING do?

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

View the BCE/KBO Public Search record →

Health score

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Recommended credit limit

✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007
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 €	-2.4%	1,2 M €	+0.6%	1,2 M €	-1.1%	1,2 M €	-2.3%	1,2 M €	-2.2%	1,2 M €	-7.6%	1,4 M €	-2.9%	1,4 M €	+2.6%	1,4 M €	+0.0%	1,4 M €	-2.0%	1,4 M €	-3.1%	1,4 M €	-1.7%	1,5 M €	+13.8%	1,3 M €	+4.5%	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 €	+5.2%	150,9 k €	+41.5%	106,6 k €	+25.2%	85,2 k €	+6.1%	80,3 k €	-23.1%	104,4 k €	+2.5%	101,9 k €	+9.8%	92,7 k €	-31.2%	134,8 k €	+19.3%	113 k €	+46.0%	77,4 k €	+67.6%	46,2 k €	-37.6%	74 k €	-26.0%	99,9 k €	+161%	38,2 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 €	+31.6%	108,3 k €	+30.6%	82,9 k €	+2.7%	80,7 k €	+35.0%	59,8 k €	-28.4%	83,5 k €	+21.0%	69 k €	-9.1%	76 k €	-44.9%	137,8 k €	+61.9%	85,1 k €	-22.3%	109,5 k €	+541%	17,1 k €	-65.4%	49,3 k €	-41.8%	84,6 k €	+61.5%	52,4 k €
Net result	155,8 k €	-15.9%	185,3 k €	+140%	77,2 k €	-72.7%	282,8 k €	+134%	120,9 k €	+41.0%	85,7 k €	+47.2%	58,3 k €	+3.2%	56,5 k €	+0.1%	56,4 k €	-9.8%	62,6 k €	+11.1%	56,3 k €	-13.1%	64,8 k €	-44.4%	116,6 k €	+64.8%	70,8 k €	-28.6%	99,1 k €	+1931%	4,9 k €	-98.0%	245 k €	+156%	95,9 k €	+124%	42,9 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 €	+2.6%	2,5 M €	+1.3%	2,5 M €	+0.1%	2,5 M €	+0.1%	2,5 M €	+0.1%	2,5 M €	+0.3%	2,5 M €	+0.2%	2,5 M €	+0.6%	2,5 M €	+2.7%	2,4 M €	+0.8%	2,4 M €	+2.1%	2,3 M €	-1.9%	2,4 M €	+8.9%	2,2 M €	+2.1%	2,1 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 €	-0.3%	52,3 M €	+6.8%	49 M €	+8.9%	45 M €	+6.6%	42,2 M €	+16.0%	36,4 M €	+9.2%	33,3 M €	-6.2%	35,5 M €	+4.9%	33,8 M €	+9.0%	31 M €	-1.7%	31,6 M €	+2.8%	30,7 M €	-0.8%	31 M €	+5.9%	29,2 M €	+24.2%	23,5 M €
Cash	2,9 M €	+17.5%	2,5 M €	-19.9%	3,1 M €	+110%	1,5 M €	+16.9%	1,3 M €	-48.6%	2,5 M €	+55.7%	1,6 M €	+1.2%	1,6 M €	+32.9%	1,2 M €	+12.1%	1,1 M €	+5.0%	1 M €	-21.1%	1,3 M €	+6.2%	1,2 M €	+48.5%	809,1 k €	-20.4%	1 M €	+18.4%	859 k €	+46.6%	586 k €	-12.0%	665,9 k €	+187%	232,3 k €
Debts	70,4 M €	+1.2%	69,5 M €	-3.3%	71,9 M €	+42.8%	50,4 M €	+1.6%	49,5 M €	-0.3%	49,7 M €	+6.9%	46,5 M €	+9.4%	42,5 M €	+7.0%	39,7 M €	+17.2%	33,9 M €	+9.9%	30,8 M €	-6.6%	33 M €	+5.3%	31,3 M €	+9.7%	28,6 M €	-1.9%	29,1 M €	+2.9%	28,3 M €	-0.7%	28,5 M €	+5.7%	27 M €	+26.5%	21,3 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	0.0%	2,0 ETP	0.0%	2,0 ETP	0.0%	2,0 ETP	-28.6%	2,8 ETP	+55.6%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	-21.7%	2,3 ETP	-17.9%	2,8 ETP	0.0%	2,8 ETP	-6.7%	3,0 ETP	0.0%	3,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 9 active · 48 ended

Active mandates

Annie LUSIAUX

Director · since 09 mars 2025 · until 09 mars 2031

Active

Françoise SAUVEGARDE

Chairman of the board of directors · since 09 mars 2025 · until 09 mars 2031

Active

Bauduin GUEUR

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Francis BRANCART

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Luc TOUSSAINT

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Michel NOERENS

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Pierre MÉVISSE

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Pierre THIRY

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Amina BOUKAFTANE

Government commissioner · since 01 mars 2023 · until 01 mars 2028

Active

Ended mandates

Annie LUSIAUX

Director · since 13 décembre 2023 · until 11 mars 2029

Ended

Françoise SAUVEGARDE

Chairman of the board of directors · since 13 décembre 2023 · until 11 mars 2029

Ended

Annie LUSIAUX

Director · since 12 mars 2023 · until 11 mars 2025

Ended

Annie LUSIAUX

Director · since 12 mars 2023 · until 11 mars 2029

Ended

At this address

Other companies at this address

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

Annual accounts

Full financial information

	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

Ratios

Financial ratios

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Filings

Annual accounts filings

22 filings with the NBB

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

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.

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.

Governance

Board of directors

Seen on filing of 31/12/2025 · 9 active · 48 ended

Active mandates

Annie LUSIAUX

Director · since 09 mars 2025 · until 09 mars 2031

Active

Françoise SAUVEGARDE

Chairman of the board of directors · since 09 mars 2025 · until 09 mars 2031

Active

Bauduin GUEUR

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Francis BRANCART

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Luc TOUSSAINT

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Michel NOERENS

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Pierre MÉVISSE

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Pierre THIRY

Director · since 13 décembre 2023 · until 11 mars 2029

Active

Amina BOUKAFTANE

Government commissioner · since 01 mars 2023 · until 01 mars 2028

Active

Ended mandates

Annie LUSIAUX

Director · since 13 décembre 2023 · until 11 mars 2029

Ended

Françoise SAUVEGARDE

Chairman of the board of directors · since 13 décembre 2023 · until 11 mars 2029

Ended

Annie LUSIAUX

Director · since 12 mars 2023 · until 11 mars 2025

Ended

Annie LUSIAUX

Director · since 12 mars 2023 · until 11 mars 2029

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

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

Source: Belgian Official Gazette

Competition

Similar companies

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

See the Business plan

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

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

BUILDING

Overview

What does BUILDING do?

Trend over 19 financial years

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