ACTIVE

La Prévoyance

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Financial year 2025 · closed on 31/12/2025

Net result

213,2 k €

+32.0% YoY

Revenue

3,8 M €

+65.6% YoY

Equity

12,5 M €

+0.6% YoY

Workforce

7,0 ETP

+40.0% YoY

What does La Prévoyance do?

La Prévoyance is a Public limited company incorporated in 1968. Its main activity is: Other credit granting. Its registered office is in La Louvière. It employs on average 7,0 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0401.778.057

Incorporation

01/01/1968

Legal form

Public limited company

Registered office

Rue Hamoir(L.L) 10-12
7100 La Louvière · WallonieSee on map

Contributed capital

1 840 000,00 €

Latest accounts

31/12/2025

Average workforce

7,0 ETP

Activities (NACE)

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

Joint committees (2)

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debtsHigh revenue

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Revenue	3,8 M €	+65.6%	2,3 M €	+5.8%	2,2 M €	+5.2%	2,1 M €	-0.2%	2,1 M €	-0.4%	2,1 M €	-2.0%	2,1 M €	-3.8%	2,2 M €	-2.7%	2,3 M €	-7.9%	2,5 M €	-2.8%	2,5 M €	+0.9%	2,5 M €	+6.7%	2,4 M €	+6.2%	2,2 M €	+3.3%	2,2 M €	+4.2%	2,1 M €	+2.1%	2 M €	+15.3%	1,8 M €	+7.0%	1,6 M €	-0.2%	1,6 M €
EBITDA	304,2 k €	+24.7%	244 k €	-31.8%	357,9 k €	-0.6%	360 k €	+9.1%	330 k €	+3.2%	319,9 k €	-6.7%	342,8 k €	+7.6%	318,5 k €	+10.5%	288,3 k €	-19.3%	357,4 k €	-12.8%	410 k €	+5.9%	387,1 k €	-2.1%	395,6 k €	+6.0%	373,1 k €	-5.1%	393,2 k €	+3.3%	380,8 k €	-1.6%	387,1 k €	+14.5%	338,1 k €	+11.6%	303,1 k €	-22.8%	392,6 k €
Operating result	290 k €	+48.6%	195,2 k €	-26.6%	265,9 k €	-23.0%	345,3 k €	+10.5%	312,6 k €	+29.1%	242,2 k €	-38.0%	390,8 k €	+37.7%	283,9 k €	-1.3%	287,5 k €	-6.0%	306 k €	+57.7%	194 k €	-46.4%	362 k €	-1.2%	366,6 k €	+23.1%	297,9 k €	-30.9%	431,2 k €	+26.4%	341,1 k €	+0.3%	340,1 k €	+3.8%	327,7 k €	+11.8%	293,2 k €	-15.9%	348,5 k €
Net result	213,2 k €	+32.0%	161,6 k €	-29.0%	227,5 k €	-24.5%	301,5 k €	+15.3%	261,4 k €	+34.1%	194,8 k €	-43.2%	343 k €	+31.5%	260,8 k €	-8.6%	285,4 k €	-8.2%	310,8 k €	+60.1%	194,1 k €	-45.5%	356 k €	-2.3%	364,5 k €	+19.3%	305,5 k €	-33.3%	457,8 k €	+35.1%	338,9 k €	+0.8%	336,1 k €	-8.4%	367,1 k €	+15.8%	316,9 k €	-11.7%	358,9 k €
Balance sheet
Equity	12,5 M €	+0.6%	12,4 M €	+0.3%	12,4 M €	+0.8%	12,3 M €	+1.4%	12,1 M €	+1.1%	12 M €	+0.8%	11,9 M €	+1.9%	11,7 M €	+1.4%	11,5 M €	+2.2%	11,3 M €	+2.5%	11 M €	+1.5%	10,8 M €	+3.1%	10,5 M €	+3.3%	10,2 M €	+2.8%	9,9 M €	+4.5%	9,5 M €	+3.4%	9,2 M €	+3.5%	8,9 M €	+4.0%	8,5 M €	+3.5%	8,2 M €
Total assets	174,1 M €	+50.5%	115,7 M €	+4.6%	110,6 M €	+5.0%	105,3 M €	+14.1%	92,3 M €	+6.7%	86,5 M €	+5.8%	81,7 M €	+3.6%	78,9 M €	+1.6%	77,6 M €	+1.6%	76,4 M €	+0.1%	76,3 M €	+3.8%	73,5 M €	+6.5%	69 M €	+12.8%	61,1 M €	+5.0%	58,2 M €	+9.1%	53,4 M €	+4.9%	50,9 M €	+14.2%	44,6 M €	+16.2%	38,3 M €	+10.6%	34,7 M €
Cash	3,4 M €	+26.2%	2,7 M €	+74.3%	1,6 M €	-49.5%	3,1 M €	-6.7%	3,3 M €	-7.4%	3,6 M €	+27.4%	2,8 M €	-23.0%	3,7 M €	+5.8%	3,5 M €	+3.6%	3,3 M €	+39.3%	2,4 M €	+180%	856,8 k €	+4.9%	816,6 k €	+8.5%	752,9 k €	+3.2%	729,5 k €	-49.0%	1,4 M €	+143%	589,6 k €	+2.6%	574,9 k €	+3461%	16,1 k €	-74.7%	63,9 k €
Debts	161,6 M €	+56.6%	103,2 M €	+5.1%	98,2 M €	+5.6%	93 M €	+16.0%	80,2 M €	+7.7%	74,5 M €	+6.7%	69,8 M €	+3.9%	67,2 M €	+1.7%	66,1 M €	+1.5%	65,1 M €	-0.3%	65,3 M €	+4.3%	62,7 M €	+7.2%	58,5 M €	+14.7%	51 M €	+5.5%	48,3 M €	+10.1%	43,9 M €	+5.3%	41,7 M €	+17.0%	35,6 M €	+19.9%	29,7 M €	+13.0%	26,3 M €
Other
Workforce	7,0 ETP	+40.0%	5,0 ETP	0.0%	5,0 ETP	+2.0%	4,9 ETP	+22.5%	4,0 ETP	-13.0%	4,6 ETP	+17.9%	3,9 ETP	+2.6%	3,8 ETP	0.0%	3,8 ETP	0.0%	3,8 ETP	0.0%	3,8 ETP	-11.6%	4,3 ETP	+38.7%	3,1 ETP	-13.9%	3,6 ETP	0.0%	3,6 ETP	0.0%	3,6 ETP	-10.0%	4,0 ETP	+14.3%	3,5 ETP	0.0%	3,5 ETP	0.0%	3,5 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 · 8 active · 29 ended

Active mandates

Quentin VAN NIMMEN

Director · since 30 avril 2025 · until 30 avril 2031

Active

Joseph FAUCON

Director · since 25 avril 2024 · until 25 avril 2030

Active

Alain JACQUET

Director · since 26 avril 2023 · until 26 avril 2029

Active

Christophe WYNANT

Manager · since 26 avril 2023

Active

Mehdi MEZHOUD

Government commissioner · since 16 février 2023 · until 29 février 2028

Active

Alain QUINTELIER

Director · since 30 avril 2020 · until 30 avril 2026

Active

Claude BATAILLE

Director · since 30 avril 2020 · until 31 octobre 2026

Active

Pierre DUGAUQUIER

Chairman of the board of directors · since 30 avril 2020 · until 30 avril 2026

Active

Ended mandates

Mehdi MEZHOUD

Government commissioner · since 16 février 2023

Ended

Claude BATAILLE

Director · since 31 octobre 2020 · until 31 octobre 2026

Ended

Aurore VANDERHYDEN

Government commissioner · since 29 avril 2020 · until 29 avril 2024

Ended

Joseph FAUCON

Director · since 25 avril 2018 · until 25 avril 2024

Ended

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	30/04/2026	27/06/2025	26/04/2024	02/05/2023	02/05/2022	07/05/2021
General meeting	29/04/2026	30/04/2025	24/04/2024	26/04/2023	27/04/2022	28/04/2021
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

Ratios

Financial ratios

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Filings

Annual accounts filings

21 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2025	29/04/2026	30/04/2026	French	PDF
Full modelCorrection	31/12/2024	30/04/2025	27/06/2025	French	PDF
Full model	31/12/2024	30/04/2025	16/05/2025	French	PDF
Full model	31/12/2023	24/04/2024	26/04/2024	French	PDF
Full model	31/12/2022	26/04/2023	02/05/2023	French	PDF
Full model	31/12/2021	27/04/2022	02/05/2022	French	PDF
Full model	31/12/2020	28/04/2021	07/05/2021	French	PDF
Full model	31/12/2019	29/04/2020	13/05/2020	French	PDF
Full model	31/12/2018	24/04/2019	02/05/2019	French	PDF
Full model	31/12/2017	25/04/2018	30/04/2018	French	PDF
Full model	31/12/2016	26/04/2017	05/05/2017	French	PDF
Full model	31/12/2015	27/04/2016	02/05/2016	French	PDF
Full model	31/12/2014	29/04/2015	06/05/2015	French	PDF
Full model	31/12/2013	30/04/2014	12/05/2014	French	PDF
Full model	31/12/2012	24/04/2013	25/04/2013	French	PDF
Full model	31/12/2011	25/04/2012	07/05/2012	French	PDF
Full model	31/12/2010	27/04/2011	26/05/2011	French	PDF
Full model	31/12/2009	28/04/2010	12/05/2010	French	PDF
Full model	31/12/2008	29/04/2009	05/06/2009	French	PDF
Full model	31/12/2007	30/04/2008	20/05/2008	French	PDF
Full model	31/12/2006	25/04/2007	16/05/2007	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 · 8 active · 29 ended

Active mandates

Quentin VAN NIMMEN

Director · since 30 avril 2025 · until 30 avril 2031

Active

Joseph FAUCON

Director · since 25 avril 2024 · until 25 avril 2030

Active

Alain JACQUET

Director · since 26 avril 2023 · until 26 avril 2029

Active

Christophe WYNANT

Manager · since 26 avril 2023

Active

Mehdi MEZHOUD

Government commissioner · since 16 février 2023 · until 29 février 2028

Active

Alain QUINTELIER

Director · since 30 avril 2020 · until 30 avril 2026

Active

Claude BATAILLE

Director · since 30 avril 2020 · until 31 octobre 2026

Active

Pierre DUGAUQUIER

Chairman of the board of directors · since 30 avril 2020 · until 30 avril 2026

Active

Ended mandates

Mehdi MEZHOUD

Government commissioner · since 16 février 2023

Ended

Claude BATAILLE

Director · since 31 octobre 2020 · until 31 octobre 2026

Ended

Aurore VANDERHYDEN

Government commissioner · since 29 avril 2020 · until 29 avril 2024

Ended

Joseph FAUCON

Director · since 25 avril 2018 · until 25 avril 2024

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates08/06/2026
DEMISSIONS, NOMINATIONS
PDF
Other07/11/2025
DIVERS
PDF
Mandates02/06/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates11/10/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates01/10/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates03/07/2023
OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates29/06/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates26/01/2021
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

29/04/2026
reconductionPierre Dugauquier — Président du Conseil d'Administration
29/04/2026
reconductionClaude Bataille
29/04/2026
reconductionAlain Quintelier
2025
Annual accounts 2025213,2 k €↑
30/04/2025
nominationQuentin Van Nimmen — Administrateur
2024
Annual accounts 2024161,6 k €↓
24/04/2024
nominationAdil EL FILALI — commissaire-réviseur
24/04/2024
reconductionJoseph Faucon — administrateur
2023
Annual accounts 2023227,5 k €↓
2022
Annual accounts 2022301,5 k €↑
2021
Annual accounts 2021261,4 k €↑
28/04/2021
nominationAdil EL FILALI — commissaire-réviseur
2020
Annual accounts 2020194,8 k €↓
2019
Annual accounts 2019343 k €↑
2018
Annual accounts 2018260,8 k €↓
2017
Annual accounts 2017285,4 k €↓
2016
Annual accounts 2016310,8 k €↑
2015
Annual accounts 2015194,1 k €↓
2014
Annual accounts 2014356 k €↓
2013
Annual accounts 2013364,5 k €↑
2012
Annual accounts 2012305,5 k €↓
2011
Annual accounts 2011457,8 k €↑
2010
Annual accounts 2010338,9 k €↑
2009
Annual accounts 2009336,1 k €↓
2008
Annual accounts 2008367,1 k €↑
2007
Annual accounts 2007316,9 k €↓
2006
Annual accounts 2006358,9 k €
01/01/1968
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

La Prévoyance

Overview

What does La Prévoyance do?

Trend over 20 financial years

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