ACTIVE

CREDIT SOCIAL DU LUXEMBOURG

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Financial year 2025 · Closed on 31/12/2025

Net result384,2 k €-22,0 %over 1 year
Revenue3,1 M €-0,9 %over 1 year
Equity9,7 M €+4,1 %over 1 year
Workforce3,4 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

CREDIT SOCIAL DU LUXEMBOURG is a Public limited company incorporated in 1928. Its main activity is: Other credit granting. Its registered office is in Arlon. It employs on average 3,4 ETP workers (FTE).

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0404.370.630
Incorporation
01/01/1928
Legal form
Public limited company
Registered office
Rue du Général-Molitor 22
6700 Arlon · WallonieSee on map
Contributed capital
216 131,00 €
Latest accounts
31/12/2025
Average workforce
3,4 ETP
Joint committees (2)
  • 200
  • 308
Contacts
1 public detail availableLog in to view
Signals
ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debtsHigh revenue

Financials

Source · NBB, 20 filings

Trend over 18 financial years

20252024202320222021
Income statement
Revenue3,1 M €3,1 M €3,2 M €3,2 M €3,4 M €
EBITDA409,2 k €477,9 k €519,9 k €642,5 k €641,5 k €
Operating result406,9 k €519,6 k €540,2 k €604,2 k €515,3 k €
Net result384,2 k €492,5 k €510,2 k €571,6 k €487,2 k €
Balance sheet
Equity9,7 M €9,3 M €8,8 M €8,3 M €7,7 M €
Total assets145,3 M €134,1 M €140,5 M €137,2 M €136,8 M €
Cash4,3 M €1,2 M €1,5 M €3,6 M €1,4 M €
Debts135,4 M €124,7 M €131,5 M €128,7 M €128,9 M €
Other
Workforce3,4 ETP3,4 ETP3,5 ETP3,4 ETP3,5 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

11 active · 80 ended

Active mandates

Eddy JACQUEMIN

Mandate

Active
Gérard MATHIEU

Mandate

Active
Isabelle ENSCH

Mandate

Active
Jean SEMES

Mandate

Active
Jean-Luc HENRY

Mandate

Active
Marien PEIGNOIS

Mandate

Active
Maurice BERNARD

Mandate

Active
Michel RONGVAUX

Mandate

Active
Pierre-Henry GOFFINET

Mandate

Active
Véronique BIORDI

Mandate

Active
Véronique POINSART

Mandate

Active

Ended mandates

Maurice BERNARD

Vice-chairman of the board of directors · since 13 juin 2021 · until 09 mars 2022

Ended
Isabelle ENSCH

Director · since 14 mars 2018 · until 20 mars 2024

Ended
Véronique POINSART

Director · since 14 mars 2018 · until 20 mars 2024

Ended
Nicolas BEAUMONT

Director · since 25 octobre 2016 · until 31 décembre 2019

Ended

Full financial information

Source · NBB
202520242023202220212020
Type of accountFull modelFull modelFull modelFull modelFull modelFull model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date23/03/202617/03/202520/03/202420/03/202316/03/202224/03/2021
General meeting11/03/202612/03/202513/03/202408/03/202309/03/202210/03/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings
ModelClosingGeneral meetingFiledLanguageDocument
Full model31/12/202511/03/202623/03/2026FrenchPDF
Full model31/12/202412/03/202517/03/2025FrenchPDF
Full model31/12/202313/03/202420/03/2024FrenchPDF
Full model31/12/202208/03/202320/03/2023FrenchPDF
Full model31/12/202109/03/202216/03/2022FrenchPDF
Full model31/12/202010/03/202124/03/2021FrenchPDF
Full model31/12/201911/03/202018/03/2020FrenchPDF
Full model31/12/201813/03/201908/04/2019FrenchPDF
Full model31/12/201714/03/201819/03/2018FrenchPDF
Full model31/12/201608/03/201705/04/2017FrenchPDF
Full model31/12/201509/03/201616/03/2016FrenchPDF
Full model31/12/201411/03/201518/03/2015FrenchPDF
Full model31/12/201312/03/201414/03/2014FrenchPDF
Full model31/12/201213/03/201318/03/2013FrenchPDF
Full model31/12/201114/03/201216/03/2012FrenchPDF
Full model31/12/201009/03/201105/04/2011FrenchPDF
Full model31/12/200910/03/201011/03/2010FrenchPDF
Full model31/12/200811/03/200909/04/2009FrenchPDF
Full model31/12/200712/03/200808/04/2008FrenchPDF
Full model31/12/200614/03/200721/03/2007FrenchPDF

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

11 active · 80 ended

Active mandates

Eddy JACQUEMIN

Mandate

Active
Gérard MATHIEU

Mandate

Active
Isabelle ENSCH

Mandate

Active
Jean SEMES

Mandate

Active
Jean-Luc HENRY

Mandate

Active
Marien PEIGNOIS

Mandate

Active
Maurice BERNARD

Mandate

Active
Michel RONGVAUX

Mandate

Active
Pierre-Henry GOFFINET

Mandate

Active
Véronique BIORDI

Mandate

Active
Véronique POINSART

Mandate

Active

Ended mandates

Maurice BERNARD

Vice-chairman of the board of directors · since 13 juin 2021 · until 09 mars 2022

Ended
Isabelle ENSCH

Director · since 14 mars 2018 · until 20 mars 2024

Ended
Véronique POINSART

Director · since 14 mars 2018 · until 20 mars 2024

Ended
Nicolas BEAUMONT

Director · since 25 octobre 2016 · until 31 décembre 2019

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates24/03/2026
    CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
    PDF
  • Mandates24/03/2025
    DEMISSIONS, NOMINATIONS
    PDF
  • Capital / shares28/03/2024
    CAPITAL, ACTIONS - DIVERS
    PDF
  • Other18/01/2024
    DIVERS
    PDF
  • Mandates29/11/2023
    STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …) - DENOMINATION
    PDF
  • Mandates23/03/2023
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates18/03/2022
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates01/07/2021
    DEMISSIONS, NOMINATIONS
    PDF

Similar companies

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

See the Business plan

Timeline

  1. 11/03/2026
    reduction_capital
  2. 2025
    Annual accounts 2025384,2 k €↓
  3. 12/03/2025
    nominationACF AUDIT Belgium — Commissaires
  4. 2024
    Annual accounts 2024492,5 k €↓
  5. 13/03/2024
    reduction_capital
  6. 2023
    Annual accounts 2023510,2 k €↓
  7. 16/02/2023
    nominationVéronique BIORDI — Administratrice représentant la Wallonie au sein du Conseil d'Administration
  8. 2022
    Annual accounts 2022571,6 k €↑
  9. 2021
    Annual accounts 2021487,2 k €↑
  10. 2020
    Annual accounts 2020343,2 k €↓
  11. 2018
    Annual accounts 2018356,3 k €↑
  12. 2017
    Annual accounts 2017295,6 k €↑
  13. 2016
    Annual accounts 2016247,3 k €↑
  14. 2015
    Annual accounts 2015195,6 k €↓
  15. 2014
    Annual accounts 2014197,2 k €↑
  16. 2013
    Annual accounts 2013197,2 k €↑
  17. 2012
    Annual accounts 2012196,2 k €↑
  18. 2011
    Annual accounts 2011155,5 k €↑
  19. 2010
    Annual accounts 2010126,6 k €↑
  20. 2009
    Annual accounts 200992,1 k €↓
  21. 2008
    Annual accounts 2008100,1 k €↑
  22. 2007
    Annual accounts 200760,5 k €
  23. 01/01/1928
    IncorporationPublic limited company