ACTIVE

« SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G »

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Financial year 2025 · Closed on 31/12/2025

Net result-23,5 k €-183,5 %over 1 year

Revenue734,5 k €-1,7 %over 1 year

Equity5 M €-0,5 %over 1 year

Workforce2,6 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

« SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G » is a Public limited company incorporated in 1925. Its main activity is: Other credit granting. Its registered office is in Malmedy. It employs on average 2,6 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0402.324.326
Incorporation: 23/04/1925
Legal form: Public limited company
Registered office: Rue des Arsilliers 26
4960 Malmedy · WallonieSee on map
Contributed capital: 118 836,42 €
Latest accounts: 31/12/2025
Average workforce: 2,6 ETP

Activities (NACE)

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

Joint committees (2)

Signals

Good liquidityHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 19 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	734,5 k €	-1.7%	747 k €	+3.7%	720,2 k €	-0.2%	721,7 k €	-2.8%	742,2 k €
EBITDA	-24,8 k €	-393%	-5 k €	-109%	55,2 k €	-26.9%	75,6 k €	+20.1%	63 k €
Operating result	-23,5 k €	-176%	30,8 k €	-55.0%	68,5 k €	+20.3%	57 k €	+4.6%	54,4 k €
Net result	-23,5 k €	-184%	28,1 k €	-56.0%	63,8 k €	+21.6%	52,5 k €	+5.6%	49,7 k €
Balance sheet
Equity	5 M €	-0.5%	5 M €	+0.4%	5 M €	+1.2%	4,9 M €	+1.0%	4,9 M €
Total assets	28,4 M €	-1.2%	28,8 M €	-2.9%	29,6 M €	+3.0%	28,8 M €	+8.8%	26,5 M €
Cash	873 k €	+99.7%	437,1 k €	-38.8%	714,2 k €	+1.1%	706,2 k €	-37.9%	1,1 M €
Debts	23,5 M €	-1.4%	23,8 M €	-3.5%	24,7 M €	+3.3%	23,9 M €	+10.5%	21,6 M €
Other
Workforce	2,6 ETP	0.0%	2,6 ETP	-3.7%	2,7 ETP	0.0%	2,7 ETP	-3.6%	2,8 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

6 active · 12 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Norbert RICHTER	Director23/04/2025 → 26/04/2028
Emmanuel ROGMAN	Director17/04/2024 → 21/04/2027
Jean-Louis VAN DEN HAUTE	Director28/03/2018 → 21/04/2027
José FRANTZEN	Director28/03/2018 → 21/04/2027
Michel LAURENT	Chairman of the board of directors23/02/2007 → 21/04/2027Director12/04/2006 → 15/04/2018ended
Victoria VANDEBERG	Government commissionersince 16/02/2023

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Jean-Marie GILLESSEN	Director14/04/2021 → 21/04/2027
Daniel CAUDRON	Director14/04/2021 → 10/04/2024
Helmut PIEPER	Director14/04/2021 → 10/04/2024

Other companies at this address

Rue des Arsilliers 26 4960 Malmedy

Company	CBE no.
ASSOCIATION DES COPROPRIETAIRES DE LA RESIDENCE LES BERGES DE LA WARCHENNE - MALMEDY● Active	0836.907.486

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	30/04/2026	02/05/2025	26/04/2024	02/05/2023	28/04/2022	23/04/2021
General meeting	22/04/2026	23/04/2025	17/04/2024	12/04/2023	13/04/2022	14/04/2021
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, 20 filings

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2025	22/04/2026	30/04/2026	French	PDF
Full model	31/12/2024	23/04/2025	02/05/2025	French	PDF
Full model	31/12/2023	17/04/2024	26/04/2024	French	PDF
Full model	31/12/2022	12/04/2023	02/05/2023	French	PDF
Full model	31/12/2021	13/04/2022	28/04/2022	French	PDF
Full model	31/12/2020	14/04/2021	23/04/2021	French	PDF
Full model	31/12/2019	26/08/2020	14/09/2020	French	PDF
Full model	31/12/2018	10/04/2019	29/04/2019	French	PDF
Full model	31/12/2017	28/03/2018	11/04/2018	French	PDF
Full model	31/12/2016	12/04/2017	04/05/2017	French	PDF
Full model	31/12/2015	13/04/2016	04/05/2016	French	PDF
Full model	31/12/2014	15/04/2015	18/05/2015	French	PDF
Full model	31/12/2013	09/04/2014	06/05/2014	French	PDF
Full model	31/12/2012	10/04/2013	13/05/2013	French	PDF
Full model	31/12/2011	11/04/2012	08/05/2012	French	PDF
Full model	31/12/2010	13/04/2011	12/05/2011	French	PDF
Full model	31/12/2009	14/04/2010	11/05/2010	French	PDF
Full model	31/12/2008	08/04/2009	04/05/2009	French	PDF
Full model	31/12/2007	09/04/2008	28/04/2008	French	PDF
Full model	31/12/2006	11/04/2007	02/05/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 2,5 M€ and 5 M€

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

6 active · 12 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Norbert RICHTER	Director23/04/2025 → 26/04/2028
Emmanuel ROGMAN	Director17/04/2024 → 21/04/2027
Jean-Louis VAN DEN HAUTE	Director28/03/2018 → 21/04/2027
José FRANTZEN	Director28/03/2018 → 21/04/2027
Michel LAURENT	Chairman of the board of directors23/02/2007 → 21/04/2027Director12/04/2006 → 15/04/2018ended
Victoria VANDEBERG	Government commissionersince 16/02/2023

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Jean-Marie GILLESSEN	Director14/04/2021 → 21/04/2027
Daniel CAUDRON	Director14/04/2021 → 10/04/2024
Helmut PIEPER	Director14/04/2021 → 10/04/2024

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates21/05/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates02/06/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates05/06/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates12/05/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DENOMINATION - DIVERS - OBJET
PDF
Mandates08/05/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates08/05/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates08/07/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates05/05/2021
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

Incorporation1925

Name

Registered office

Annual accounts

Filings19 filings

Mandates

Norbert RICHTER

José FRANTZEN

Michel LAURENT

Jean-Louis VAN DEN HAUTE

Emmanuel ROGMAN

Victoria VANDEBERG

Jean-Marie GILLESSEN

Daniel CAUDRON

Helmut PIEPER

Grégory SCHONS

Michel CAUDRON

Gaston PELZER

and 5 more mandates

196619671968196919701971197219731974197519761977197819791980198119821983198419851986198719881989199019911992199319941995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025202620272028

« SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G »SA SOCIETE DE CREDIT POUR HABITATIONS SOCIALES en abrégé SA SCHS en allemand AG EIGENHEIMKREDI TGESELLSCHAFT en abrégé AG EHKG

Rue des Arsilliers 26, 4960 Malmedy

Director

Chairman of the board of directorsDirector

Director

Government commissioner

Director

Government commissioner

Director

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Rue des Arsilliers 26, 4960 MalmedyCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00101027

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
« SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G »Current	accounts 2023 → 2025	Accounts 2025 · 2026-00101027
SA SOCIETE DE CREDIT POUR HABITATIONS SOCIALES en abrégé SA SCHS en allemand AG EIGENHEIMKREDI TGESELLSCHAFT en abrégé AG EHKG	accounts 2021 → 2022	Accounts 2022 · 2023-00079401

Events

2025
Annual accounts 2025-23,5 k €↓
2024
Annual accounts 202428,1 k €↓
2023
Annual accounts 202363,8 k €↑
2023
Name change« SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G »
2022
Annual accounts 202252,5 k €↑
2021
Annual accounts 202149,7 k €↓
2020
Annual accounts 2020132,7 k €↓
2019
Annual accounts 2019141,4 k €↑
2018
Annual accounts 201817,5 k €↓
2017
Annual accounts 201751,3 k €↑
2016
Annual accounts 201628,4 k €↓
2015
Annual accounts 201553,9 k €↑
2014
Annual accounts 201428,2 k €↓
2013
Annual accounts 201391,8 k €↓
2012
Annual accounts 2012139,1 k €↑
2011
Annual accounts 2011116,9 k €↓
2010
Annual accounts 2010142,8 k €↓
2009
Annual accounts 2009364,2 k €↑
2008
Annual accounts 2008126,5 k €↓
2007
Annual accounts 2007150,5 k €
23/04/1925
IncorporationPublic limited company

« SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G »

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