ACTIVE

Onesto Woonkrediet Voor Vlaanderen

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Financial year 2025 · Closed on 31/12/2025

Net result277,2 k €+159,9 %over 1 year

Revenue3,7 M €-9,5 %over 1 year

Equity31,2 M €+0,9 %over 1 year

Workforce5,8 ETP-10,8 %over 1 year

Identity

Source · BCE/KBO

Onesto Woonkrediet Voor Vlaanderen is a Public limited company incorporated in 1892. Its main activity is: Other credit granting. Its registered office is in Beveren-Kruibeke-Zwijndrecht. It employs on average 5,8 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0405.553.832
Incorporation: 17/08/1892
Legal form: Public limited company
Registered office: Albert Panisstraat(BEV) 8 box 2
9120 Beveren-Kruibeke-Zwijndrecht · FlandreSee on map
Contributed capital: 12 023 234,94 €
Latest accounts: 31/12/2025
Average workforce: 5,8 ETP

Activities (NACE)

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

Joint committees (3)

Signals

ProfitableLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debtsHigh revenue

Financials

Source · NBB, 49 filings

Trend over 18 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	3,7 M €	-9.5%	4,1 M €	-6.5%	4,4 M €	+13.0%	3,9 M €	-1.5%	4 M €
EBITDA	320,4 k €	+933%	31 k €	-58.0%	73,8 k €	-87.2%	574,5 k €	+356%	126,1 k €
Operating result	210,2 k €	+55922%	-376,6 €	-102%	16,3 k €	-96.7%	494,2 k €	+257%	138,4 k €
Net result	277,2 k €	+160%	106,7 k €	+13.9%	93,7 k €	-81.6%	509 k €	+604%	-100,9 k €
Balance sheet
Equity	31,2 M €	+0.9%	30,9 M €	+0.3%	30,8 M €	+27.8%	24,1 M €	+2.2%	23,6 M €
Total assets	153 M €	-7.8%	165,9 M €	-7.6%	179,6 M €	+10.3%	162,8 M €	-6.5%	174,2 M €
Cash	6,8 M €	+1466%	436,2 k €	-48.4%	845,4 k €	+6.1%	796,6 k €	-94.8%	15,4 M €
Debts	120,6 M €	-9.8%	133,7 M €	-9.3%	147,4 M €	+7.3%	137,4 M €	-7.9%	149,3 M €
Other
Workforce	5,8 ETP	-10.8%	6,5 ETP	-40.4%	10,9 ETP	+73.0%	6,3 ETP	0.0%	6,3 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

4 active · 28 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Filip VANGILBERGEN	Director20/07/2021 → 27/03/2029
Patrick LEMMENS	Director01/03/2023 → 27/03/2029
Pieter DE WITTE	Director20/07/2021 → 27/03/2029
Tin VAN DEN PUTTE	Chairman of the board of directors20/07/2021 → 27/03/2029

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Bruno MACHIELS	Director13/05/2019 → 25/03/2025Chairman of the board of directors13/05/2019 → 03/04/2026

Other companies at this address

Albert Panisstraat(BEV) 8 9120 Beveren-Kruibeke-Zwijndrecht

Company	CBE no.
Intentio-Waasland● Active	0789.598.212
RESIDENTIE PIET STOUT VME● Active	0851.789.167

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	14/04/2026	22/04/2025	23/04/2024	19/04/2023	25/04/2022	11/05/2021
General meeting	24/03/2026	25/03/2025	26/03/2024	28/03/2023	22/03/2022	02/04/2021
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, 49 filings

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2025	24/03/2026	14/04/2026	Dutch	PDF
Full model	31/12/2024	25/03/2025	22/04/2025	Dutch	PDF
Full model	31/12/2023	26/03/2024	23/04/2024	Dutch	PDF
Full model	31/12/2022	28/03/2023	19/04/2023	Dutch	PDF
Full model	31/12/2021	22/03/2022	25/04/2022	Dutch	PDF
Full model	31/12/2020	02/04/2021	11/05/2021	Dutch	PDF
Full model	31/12/2019	03/04/2020	19/05/2020	Dutch	PDF
Full model	31/12/2018	05/04/2019	15/04/2019	Dutch	PDF
Full model	31/12/2017	06/04/2018	03/05/2018	Dutch	PDF
Full model	31/12/2016	07/04/2017	09/05/2017	Dutch	PDF
Full model	31/12/2015	01/04/2016	27/04/2016	Dutch	PDF
Full model	31/12/2014	03/04/2015	23/04/2015	Dutch	PDF
Full model	31/12/2013	04/04/2014	30/04/2014	Dutch	PDF
Full model	31/12/2012	05/04/2013	23/04/2013	Dutch	PDF
Full model	31/12/2011	06/04/2012	24/04/2012	Dutch	PDF
Full model	31/12/2010	01/04/2011	27/04/2011	Dutch	PDF
Full model	31/12/2009	02/04/2010	17/05/2010	Dutch	PDF
Full model	31/12/2008	03/04/2009	30/04/2009	Dutch	PDF
Full model	31/12/2007	04/04/2008	24/04/2008	Dutch	PDF
Full model	31/12/2006	06/04/2007	08/06/2007	Dutch	PDF
Full model	31/12/2005	07/04/2006	18/04/2006	Dutch	PDF
Full model	31/12/2004	01/04/2005	20/05/2005	Dutch	PDF
Full model	31/12/2003	02/04/2004	04/05/2004	Dutch	PDF
Full model	31/12/2002	04/04/2003	23/04/2003	Dutch	PDF
Abridged modelCorrection	31/12/2001	05/04/2002	03/05/2002	Dutch	PDF
Abridged model	31/12/2001	05/04/2002	25/04/2002	Dutch	PDF
Abridged model	31/12/2000	06/04/2001	19/04/2001	Dutch	PDF
Abridged model	31/12/1999	07/04/2000	05/05/2000	Dutch	PDF
Abridged model	31/12/1998	02/04/1999	07/05/1999	Dutch	PDF
Abridged model	31/12/1997	03/04/1998	20/11/1998	Dutch	—
m909-p	31/12/1996	04/04/1997	30/04/1997	Dutch	—
m909-p	31/12/1995	05/04/1996	07/05/1996	Dutch	—
m909-p	31/12/1994	07/04/1995	26/04/1995	Dutch	—
m909-p	31/12/1993	01/04/1994	28/04/1994	Dutch	—
m909-p	31/12/1992	02/04/1993	27/04/1993	Dutch	—
m909-p	31/12/1991	03/04/1992	24/04/1992	Dutch	—
m909-p	31/12/1990	05/04/1991	02/05/1991	Dutch	—
m909-p	31/12/1989	06/04/1990	27/04/1990	Dutch	—
m909-p	31/12/1988	07/04/1989	27/04/1989	Dutch	—
m909-p	31/12/1987	01/04/1988	22/04/1988	Dutch	—
m909-p	31/12/1986	03/04/1987	24/04/1987	Dutch	—
m909-p	31/12/1985	04/04/1986	02/05/1986	Dutch	—
m909-p	31/12/1984	05/04/1985	03/05/1985	English	—
m909-p	31/12/1983	06/04/1984	20/04/1984	English	—
m909-p	31/12/1982	01/04/1983	15/04/1983	English	—
m909-p	31/12/1981	02/04/1982	16/04/1982	English	—
m909-p	31/12/1980	01/01/9999	23/04/1981	English	—
m909-p	31/12/1979	01/01/9999	18/04/1980	English	—
m909-p	31/12/1978	01/01/9999	20/04/1979	English	—

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

4 active · 28 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Filip VANGILBERGEN	Director20/07/2021 → 27/03/2029
Patrick LEMMENS	Director01/03/2023 → 27/03/2029
Pieter DE WITTE	Director20/07/2021 → 27/03/2029
Tin VAN DEN PUTTE	Chairman of the board of directors20/07/2021 → 27/03/2029

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Bruno MACHIELS	Director13/05/2019 → 25/03/2025Chairman of the board of directors13/05/2019 → 03/04/2026

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates08/05/2026
ONTSLAGEN - BENOEMINGEN
PDF
Mandates19/03/2026
ONTSLAGEN - BENOEMINGEN
PDF
Registered office03/07/2025
MAATSCHAPPELIJKE ZETEL
PDF
Restructuring03/11/2023
KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Mandates23/10/2023
ONTSLAGEN - BENOEMINGEN
PDF
Capital / shares04/10/2023
KAPITAAL - AANDELEN - DIVERSEN
PDF
Restructuring31/08/2023
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Mandates06/06/2023
ONTSLAGEN - BENOEMINGEN
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

Incorporation1892

Name

Registered office

Annual accounts

Filings18 filings

Mandates

Pieter DE WITTE

Tin VAN DEN PUTTE

Filip VANGILBERGEN

Patrick LEMMENS

Bruno MACHIELS

Hans VERMEULEN

David GOVAERT

Geert VANHULLE

Marc ASPESLAGH

Michel VULSTEKE

Michel VUYLSTEKE

Raymond VANDENBOGAERDE

and 20 more mandates

1966196719681969197019711972197319741975197619771978197919801981198219831984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023202420252026202720282029

Onesto Woonkrediet Voor Vlaanderen

Albert Panisstraat(BEV) 8 bte 2, 9120 Beveren-Kruibeke-Zwijndrecht

Director

Chairman of the board of directors

Director

DirectorChairman of the board of directors

Director

Managing directorDirector

Director

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Albert Panisstraat(BEV) 8 bte 2, 9120 Beveren-Kruibeke-ZwijndrechtCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00081161

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
Onesto Woonkrediet Voor VlaanderenCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00081161

Events

24/03/2026
nominationNV Callens Vandelanotte Bedrijfsrevisoren · commissaris
2025
Annual accounts 2025277,2 k €↑
25/03/2025
reconductionTin Van den Putte · bestuurder
25/03/2025
reconductionPieter De Witte · bestuurder
25/03/2025
reconductionPatrick Lemmens · bestuurder
25/03/2025
reconductionFilip Vangilbergen · bestuurder
2024
Annual accounts 2024106,7 k €↑
2023
Annual accounts 202393,7 k €↓
28/03/2023
nominationPatrick Lemmens · bestuurder
01/03/2023
nominationPatrick Lemmens · bestuurder
01/03/2023
nominationJoris Piefte · lid van het dagelijks bestuur
01/01/2023
reconductionVandelanotte bedrijfsrevisoren cvba · commissaris
2022
Annual accounts 2022509 k €↑
2021
Annual accounts 2021-100,9 k €↑
2020
Annual accounts 2020-126,4 k €↓
2019
Annual accounts 2019-45,9 k €↓
2018
Annual accounts 20186,3 k €↓
2017
Annual accounts 201740,7 k €↓
2016
Annual accounts 2016186,9 k €↑
2015
Annual accounts 2015-33,5 k €↓
2013
Annual accounts 201357,9 k €↓
2012
Annual accounts 201266,2 k €↓
2011
Annual accounts 201184,5 k €↑
2010
Annual accounts 201059,4 k €↓
2009
Annual accounts 200982,4 k €↓
2008
Annual accounts 200887,5 k €↑
2007
Annual accounts 200783 k €
17/08/1892
IncorporationPublic limited company

Onesto Woonkrediet Voor Vlaanderen

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