ACTIVE

LE CREDIT HYPOTHECAIRE O. BRICOULT

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Financial year 2025 · Closed on 31/12/2025

Net result463 k €-10,3 %over 1 year

Revenue3 M €-6,2 %over 1 year

Equity17,3 M €+2,7 %over 1 year

Workforce5,1 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

LE CREDIT HYPOTHECAIRE O. BRICOULT is a Public limited company incorporated in 1930. Its main activity is: Other credit granting. Its registered office is in Châtelet. It employs on average 5,1 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0405.631.729
Incorporation: 21/08/1930
Legal form: Public limited company
Registered office: Rue de la Station 232A
6200 Châtelet · WallonieSee on map
Contributed capital: 229 570,58 €
Latest accounts: 31/12/2025
Average workforce: 5,1 ETP

Activities (NACE)

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

Joint committees (2)

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDA

Financials

Source · NBB, 20 filings

Trend over 19 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	3 M €	-6.2%	3,2 M €	-0.2%	3,2 M €	+15.6%	2,8 M €	-0.1%	2,8 M €
EBITDA	368,7 k €	-22.3%	474,8 k €	-17.9%	578,6 k €	-3.2%	597,8 k €	+19.3%	500,9 k €
Operating result	399,8 k €	-15.4%	472,6 k €	-14.6%	553,6 k €	-3.8%	575,4 k €	+14.2%	503,9 k €
Net result	463 k €	-10.3%	515,9 k €	-6.0%	548,6 k €	+2.0%	537,9 k €	+14.3%	470,6 k €
Balance sheet
Equity	17,3 M €	+2.7%	16,9 M €	+3.1%	16,4 M €	+3.4%	15,8 M €	+3.4%	15,3 M €
Total assets	149,4 M €	+2.2%	146,2 M €	+0.2%	146 M €	+5.5%	138,4 M €	+7.9%	128,2 M €
Cash	6,2 M €	+75.4%	3,5 M €	+29.4%	2,7 M €	-40.3%	4,5 M €	-0.8%	4,6 M €
Debts	132,1 M €	+2.1%	129,3 M €	-0.2%	129,6 M €	+5.8%	122,6 M €	+8.5%	112,9 M €
Other
Workforce	5,1 ETP	0.0%	5,1 ETP	-15.0%	6,0 ETP	+13.2%	5,3 ETP	-1.9%	5,4 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

9 active · 33 ended

Active mandates

MUCAHIT-MUSTAFA YILDIZ

Director · since 01 juillet 2025

Active

SUKRU OZKAYA

Director · since 01 juillet 2025

Active

LUDOVIC COOLS

Director · since 29 juin 2023

Active

EMMANUEL GILARD

Director · since 16 février 2023

Active

EMMANUEL SIMON

Director · since 15 mars 2022 · until 27 mars 2025

Active

FRANCIS LORAND

Chairman of the board of directors · since 17 mars 2020

Active

CHRISTINE COLIN

Director · since 29 avril 2019

Active

ANTONELLA LO RUSSO

Director · since 31 janvier 2019 · until 30 juin 2025

Active

MELINA CACCIATORE

Director · since 22 janvier 2019

Active

Ended mandates

EMMANUEL SIMON

Director · since 15 mars 2022

Ended

FRANCIS LORAND

Director · since 17 mars 2020

Ended

JACQUES MABILLE

Director · since 02 septembre 2019 · until 30 octobre 2023

Ended

ANTONELLA LO RUSSO

Director · since 31 janvier 2019

Ended

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged 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	24/03/2026	19/03/2025	09/04/2024	22/03/2023	16/03/2022	18/03/2021
General meeting	17/03/2026	18/03/2025	19/03/2024	21/03/2023	15/03/2022	16/03/2021
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	17/03/2026	24/03/2026	French	PDF
Abridged model	31/12/2024	18/03/2025	19/03/2025	French	PDF
Abridged model	31/12/2023	19/03/2024	09/04/2024	French	PDF
Full model	31/12/2022	21/03/2023	22/03/2023	French	PDF
Full model	31/12/2021	15/03/2022	16/03/2022	French	PDF
Full model	31/12/2020	16/03/2021	18/03/2021	French	PDF
Full model	31/12/2019	17/03/2020	20/03/2020	French	PDF
Abridged model	31/12/2018	19/03/2019	21/03/2019	French	PDF
Abridged model	31/12/2017	20/03/2018	22/03/2018	French	PDF
Abridged model	31/12/2016	21/03/2017	23/03/2017	French	PDF
Abridged model	31/12/2015	15/03/2016	17/03/2016	French	PDF
Abridged model	31/12/2014	17/03/2015	18/03/2015	French	PDF
Abridged model	31/12/2013	18/03/2014	27/03/2014	French	PDF
Abridged model	31/12/2012	19/03/2013	10/04/2013	French	PDF
Abridged model	31/12/2011	20/03/2012	21/03/2012	French	PDF
Abridged model	31/12/2010	15/03/2011	21/03/2011	French	PDF
Abridged model	31/12/2009	16/03/2010	30/03/2010	French	PDF
Abridged model	31/12/2008	17/03/2009	03/04/2009	French	PDF
Abridged model	31/12/2007	18/03/2008	02/04/2008	French	PDF
Abridged model	31/12/2006	20/03/2007	26/03/2007	French	PDF

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

9 active · 33 ended

Active mandates

MUCAHIT-MUSTAFA YILDIZ

Director · since 01 juillet 2025

Active

SUKRU OZKAYA

Director · since 01 juillet 2025

Active

LUDOVIC COOLS

Director · since 29 juin 2023

Active

EMMANUEL GILARD

Director · since 16 février 2023

Active

EMMANUEL SIMON

Director · since 15 mars 2022 · until 27 mars 2025

Active

FRANCIS LORAND

Chairman of the board of directors · since 17 mars 2020

Active

CHRISTINE COLIN

Director · since 29 avril 2019

Active

ANTONELLA LO RUSSO

Director · since 31 janvier 2019 · until 30 juin 2025

Active

MELINA CACCIATORE

Director · since 22 janvier 2019

Active

Ended mandates

EMMANUEL SIMON

Director · since 15 mars 2022

Ended

FRANCIS LORAND

Director · since 17 mars 2020

Ended

JACQUES MABILLE

Director · since 02 septembre 2019 · until 30 octobre 2023

Ended

ANTONELLA LO RUSSO

Director · since 31 janvier 2019

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates03/06/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates27/05/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates08/09/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates07/04/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates22/09/2023
DEMISSIONS, NOMINATIONS
PDF
Other28/07/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates19/07/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates13/07/2023
DEMISSIONS, NOMINATIONS
PDF

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

See the Business plan

Timeline

26/02/2026
nominationGilles MEYFROIDT — réviseurs d'entreprises
2025
Annual accounts 2025463 k €↓
26/06/2025
nominationMucahit-Mustafa YILDIZ — administrateur
26/06/2025
nominationSukru OZKAYA — administrateur
18/03/2025
reconductionMélina CACCIATORE — administratrice
18/03/2025
nominationLudovic COOLS — administrateur
2024
Annual accounts 2024515,9 k €↓
2023
Annual accounts 2023548,6 k €↑
29/06/2023
nominationLudovic COOLS — Administrateur
30/05/2023
nominationThierry SCHARROO — directeur
21/03/2023
reconductions.r.l. F.C.G., Réviseurs d'Entreprises — Réviseurs d'Entreprises
16/02/2023
nominationEmmanuel GILARD — administrateur
2022
Annual accounts 2022537,9 k €↑
01/06/2022
nominationThierry SCHARROO — directeur
2021
Annual accounts 2021470,6 k €↑
2020
Annual accounts 2020423,5 k €↑
2019
Annual accounts 2019401,1 k €↓
01/01/2019
nominationFrancis LORAND — Président du Conseil d'administration
2018
Annual accounts 2018417,3 k €↑
2017
Annual accounts 2017313,9 k €↓
2016
Annual accounts 2016316,4 k €↓
2015
Annual accounts 2015357,5 k €↑
2014
Annual accounts 2014353,7 k €↓
2013
Annual accounts 2013412,2 k €↑
2012
Annual accounts 2012366,9 k €↓
2011
Annual accounts 2011410,3 k €↑
2010
Annual accounts 2010351,6 k €↑
2009
Annual accounts 2009344,9 k €↓
2008
Annual accounts 2008482,9 k €↓
2007
Annual accounts 2007497,9 k €
21/08/1930
IncorporationPublic limited company

LE CREDIT HYPOTHECAIRE O. BRICOULT

Overview

Identity

Financials

Valuation

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

Timeline