ACTIVE

CREDIT IMMOBILIER OUVRIER,Société de Crédit Social

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Financial year 2025 · Closed on 31/12/2025

Net result119,9 k €-61,2 %over 1 year

Revenue848,3 k €-8,3 %over 1 year

Equity-1,9 M €+6,0 %over 1 year

Workforce1,6 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

CREDIT IMMOBILIER OUVRIER,Société de Crédit Social is a Public limited company incorporated in 1927. Its main activity is: Other credit granting. Its registered office is in Schaerbeek. It employs on average 1,6 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0406.067.239
Incorporation: 01/01/1927
Legal form: Public limited company
Registered office: Boulevard Auguste Reyers 156 box 3
1030 Schaerbeek · BruxellesSee on map
Contributed capital: 791 582,48 €
Latest accounts: 31/12/2025
Average workforce: 1,6 ETP

Activities (NACE)

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

Joint committees (2)

Signals

ProfitableGood liquidityHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	848,3 k €	-8.3%	925,4 k €	-9.8%	1 M €	-13.0%	1,2 M €	-13.5%	1,4 M €
EBITDA	-51,3 k €	+95.8%	-1,2 M €	-67.1%	-723,3 k €	+88.5%	-6,3 M €	-317%	-1,5 M €
Operating result	121,2 k €	-61.0%	310,6 k €	+299%	77,8 k €	+143%	-179,5 k €	+85.6%	-1,2 M €
Net result	119,9 k €	-61.2%	309,2 k €	+377%	-111,5 k €	+40.7%	-188 k €	+85.3%	-1,3 M €
Balance sheet
Equity	-1,9 M €	+6.0%	-2 M €	+13.4%	-2,3 M €	-5.1%	-2,2 M €	-9.4%	-2 M €
Total assets	20 M €	-10.5%	22,3 M €	-8.0%	24,2 M €	-10.9%	27,2 M €	-14.3%	31,7 M €
Cash	2 M €	+19.9%	1,6 M €	+9.2%	1,5 M €	+2.9%	1,5 M €	+4.0%	1,4 M €
Debts	21,8 M €	-10.1%	24,3 M €	-8.5%	26,5 M €	-9.7%	29,4 M €	-12.9%	33,7 M €
Other
Workforce	1,6 ETP	0.0%	1,6 ETP	-50.0%	3,2 ETP	-17.9%	3,9 ETP	-9.3%	4,3 ETP

Board of directors

Source · NBB, accounts to 31/12/2025

5 active · 18 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Eric MAUQUOY	Chairman of the board of directors29/11/2023 → 30/06/2031Director01/11/2013 → 14/05/2024ended
Guy ERNES	Director29/11/2023 → 29/11/2029
Mandionka NDIAYE	Director24/10/2023 → 24/10/2029
Nils-Adil RYAN	Director25/11/2021 → 25/11/2027
Youcef HAMMANI	Government commissionersince 19/12/2019

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Grégory BRONCHART	Chairman of the board of directors03/06/2022 → 30/06/2023Director02/05/2021 → 02/05/2022
Christian HERNALSTEEN	Chairman of the board of directors08/05/2019 → 02/05/2022

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	08/09/2026	28/07/2025	08/07/2024	06/07/2023	08/06/2022	25/06/2021
General meeting	30/06/2026	27/06/2025	28/06/2024	30/06/2023	03/06/2022	15/06/2021
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	30/06/2026	08/09/2026	French	PDF
Full model	31/12/2024	27/06/2025	28/07/2025	French	PDF
Full model	31/12/2023	28/06/2024	08/07/2024	French	PDF
Full model	31/12/2022	30/06/2023	06/07/2023	French	PDF
Full model	31/12/2021	03/06/2022	08/06/2022	French	PDF
Full model	31/12/2020	15/06/2021	25/06/2021	French	PDF
Full model	31/12/2019	26/06/2020	29/06/2020	French	PDF
Full model	31/12/2018	07/05/2019	14/05/2019	French	PDF
Full model	31/12/2017	14/06/2018	22/06/2018	French	PDF
Full model	31/12/2016	23/05/2017	06/06/2017	French	PDF
Full model	31/12/2015	22/06/2016	29/06/2016	French	PDF
Full model	31/12/2014	02/06/2015	04/06/2015	French	PDF
Full model	31/12/2013	27/05/2014	03/06/2014	French	PDF
Full model	31/12/2012	02/05/2013	21/05/2013	French	PDF
Full model	31/12/2011	08/05/2012	05/06/2012	French	PDF
Full model	31/12/2010	15/03/2011	29/03/2011	French	PDF
Full model	31/12/2009	16/03/2010	23/03/2010	French	PDF
Full model	31/12/2008	17/03/2009	31/03/2009	French	PDF
Full model	31/12/2007	18/03/2008	08/04/2008	French	PDF
Full model	31/12/2006	20/03/2007	13/04/2007	French	PDF

Indicative valuation

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

5 active · 18 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Eric MAUQUOY	Chairman of the board of directors29/11/2023 → 30/06/2031Director01/11/2013 → 14/05/2024ended
Guy ERNES	Director29/11/2023 → 29/11/2029
Mandionka NDIAYE	Director24/10/2023 → 24/10/2029
Nils-Adil RYAN	Director25/11/2021 → 25/11/2027
Youcef HAMMANI	Government commissionersince 19/12/2019

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Grégory BRONCHART	Chairman of the board of directors03/06/2022 → 30/06/2023Director02/05/2021 → 02/05/2022
Christian HERNALSTEEN	Chairman of the board of directors08/05/2019 → 02/05/2022

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates12/09/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates24/05/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates15/02/2024
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Mandates13/04/2023
DEMISSIONS, NOMINATIONS
PDF
Registered office12/10/2022
SIEGE SOCIAL
PDF
Mandates06/01/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates19/07/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates15/03/2021
DEMISSIONS, NOMINATIONS
PDF

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

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Timeline

Source · CBE, NBB annual accounts

Year

Identity

Incorporation1927

Name

Registered office

Annual accounts

Filings20 filings

Mandates

Eric MAUQUOY

Guy ERNES

Mandionka NDIAYE

Nils-Adil RYAN

Youcef HAMMANI

Grégory BRONCHART

Christian HERNALSTEEN

André JADOUL

Alain WILMOTTE

Jean-Axel JUNG

Frédéric DESONNAY

Guy DU CHAMPS

and 9 more mandates

196619671968196919701971197219731974197519761977197819791980198119821983198419851986198719881989199019911992199319941995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025202620272028202920302031

Crédit Immobilier Ouvrier

Boulevard Auguste Reyers 156 bte 3, 1030 Schaerbeek

Chairman of the board of directorsDirector

Director

Government commissioner

Director

Chairman of the board of directorsDirector

Government commissioner

Vice-chairman of the board of directorsDirector

Director

Managing directorChairman of the board of directors

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Boulevard Auguste Reyers 156 bte 3, 1030 SchaerbeekCurrent	accounts 2023 → 2025	Accounts 2025 · 2026-00508622
Rue des Palais 44 bte 21, 1030 Schaerbeek	accounts 2022	Accounts 2022 · 2023-00215902
Avenue du Martin Pêcheur 1921, 1170 Watermael-Boitsfort	accounts 2021	Accounts 2021 · 2022-20055834

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
CREDIT IMMOBILIER OUVRIER,Société de Crédit SocialCurrent		CBE
Crédit Immobilier Ouvrier	accounts 2021 → 2025	Accounts 2025 · 2026-00508622

Events

2025
Annual accounts 2025119,9 k €↓
2024
Annual accounts 2024309,2 k €↑
28/06/2024
nominationFabio Crisi · commissaire aux comptes
28/06/2024
nominationMandionka Ndiaye · administrateur
28/06/2024
nominationGuy Ernes · administrateur
19/02/2024
nominationNils-Adil RYAN · directeur-général
2023
Annual accounts 2023-111,5 k €↑
29/11/2023
nominationGuy ERNES · administrateur ordinaire
24/10/2023
nominationMandionka NDIAYE · administrateur ordinaire
2022
Annual accounts 2022-188 k €↑
2021
Annual accounts 2021-1,3 M €↓
25/11/2021
nominationNils-Adil RYAN · administrateur
2020
Annual accounts 2020-1,2 M €↑
2019
Annual accounts 2019-3,2 M €↓
2018
Annual accounts 2018-809,5 k €↓
14/06/2018
nominationEric MAUQUOY · administrateur
2017
Annual accounts 2017-107,8 k €↑
2016
Annual accounts 2016-6,1 M €↓
2015
Annual accounts 2015-3,3 M €↓
02/06/2015
nominationGregory BRONCHART · administrateur
02/06/2015
unknownChristian HERNALSTEEN · administrateur
2014
Annual accounts 2014-2,2 M €↓
16/12/2014
unknownFrédéric DESONNAY · administrateur
16/12/2014
unknownJean-Axel JUNG · administrateur
20/03/2014
unknownSébastien BIONDO · administrateur
2013
Annual accounts 2013-1,6 M €↓
2012
Annual accounts 201223,2 k €↓
2011
Annual accounts 2011110,4 k €↓
2010
Annual accounts 2010380,7 k €↓
2009
Annual accounts 2009664,6 k €↑
2008
Annual accounts 2008342,1 k €↓
2007
Annual accounts 2007373,2 k €↑
2006
Annual accounts 2006280,2 k €
01/01/1927
IncorporationPublic limited company

CREDIT IMMOBILIER OUVRIER,Société de Crédit Social

Overview

Identity

Financials

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

Registered offices

Company names

Events