ACTIVE

La Générale Luxembourgeoise du Crédit

Financial year 2025 · Closed on 31/12/2025

Net result-4,9 k €+25,6 %over 1 year

Gross margin163,5 k €-1,6 %over 1 year

Equity956,8 k €-0,5 %over 1 year

Identity

Source · BCE/KBO

La Générale Luxembourgeoise du Crédit is a Public limited company incorporated in 1973. Its registered office is in Stavelot.

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0412.984.626
Incorporation: 09/02/1973
Legal form: Public limited company
Registered office: Basse Levée 24
4970 Stavelot · WallonieSee on map
Contributed capital: 92 959,33 €
Latest accounts: 31/12/2025

Signals

Solid equityPositive cashflowPositive EBITDA

Financials

Source · NBB, 20 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	163,5 k €	-1.6%	166,1 k €	-46.5%	310,3 k €	+128%	136 k €	-15.2%	160,4 k €
EBITDA	135,9 k €	-2.2%	139 k €	-50.5%	280,7 k €	+129%	122,5 k €	-13.6%	141,8 k €
Operating result	45,5 k €	+10.3%	41,2 k €	-76.6%	176,4 k €	+1318%	12,4 k €	+15.3%	10,8 k €
Net result	-4,9 k €	+25.6%	-6,6 k €	-107%	92,6 k €	+583%	-19,2 k €	-38.3%	-13,9 k €
Balance sheet
Equity	956,8 k €	-0.5%	961,6 k €	-4.6%	1 M €	+10.1%	915,1 k €	-2.1%	934,3 k €
Total assets	2,2 M €	+6.1%	2,1 M €	-6.1%	2,2 M €	-11.3%	2,5 M €	-8.5%	2,8 M €
Cash	50,4 k €	+199%	16,8 k €	-27.7%	23,3 k €		–		–
Debts	1,2 M €	+11.7%	1 M €	-8.3%	1,1 M €	-26.4%	1,5 M €	-12.0%	1,8 M €

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

5 active · 6 ended

Active mandates

Caroline SKA

Director · since 10 décembre 2025 · until 10 décembre 2031

Active

Damien SKA

Director · since 10 décembre 2025 · until 10 décembre 2031

Active

Daniel SKA

Managing director · since 10 décembre 2025 · until 10 décembre 2031

Active

Francy-Anne JADOT

Managing director · since 10 décembre 2025 · until 10 décembre 2031

Active

Samuel SKA

Director · since 10 décembre 2025 · until 10 décembre 2031

Active

Ended mandates

BAUDOUIN HEINRICH

Director

Ended

Daniel Ska

Administrator - manager

Ended

Daniel SKA

Mandate

Ended

DANIEL SKA

Managing director

Ended

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Abridged model	Abridged model	Micro model	Micro model	Micro 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	31/08/2026	07/07/2025	15/07/2024	28/08/2023	30/08/2022	31/08/2021
General meeting	25/08/2026	07/06/2025	01/06/2024	03/06/2023	04/06/2022	05/06/2021
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
Micro model	31/12/2025	25/08/2026	31/08/2026	French	PDF
Abridged model	31/12/2024	07/06/2025	07/07/2025	French	PDF
Abridged model	31/12/2023	01/06/2024	15/07/2024	French	PDF
Micro model	31/12/2022	03/06/2023	28/08/2023	French	PDF
Micro model	31/12/2021	04/06/2022	30/08/2022	French	PDF
Micro model	31/12/2020	05/06/2021	31/08/2021	French	PDF
Micro model	31/12/2019	06/06/2020	29/10/2020	French	PDF
Micro model	31/12/2018	01/06/2019	27/08/2019	French	PDF
Micro model	31/12/2017	02/06/2018	28/09/2018	French	PDF
Micro model	31/12/2016	03/06/2017	28/09/2017	French	PDF
Abridged model	31/12/2015	04/06/2016	31/08/2016	French	PDF
Abridged model	31/12/2014	06/06/2015	04/11/2015	French	PDF
Abridged model	31/12/2013	07/06/2014	31/03/2015	French	PDF
Abridged model	31/12/2012	01/06/2013	24/12/2013	French	PDF
Abridged model	31/12/2011	02/06/2012	26/10/2012	French	PDF
Abridged model	31/12/2010	04/06/2011	31/08/2011	French	PDF
Abridged model	31/12/2009	05/06/2010	30/08/2010	French	PDF
Abridged model	31/12/2008	06/06/2009	31/08/2009	French	PDF
Abridged model	31/12/2007	30/10/2008	31/12/2008	French	PDF
Abridged model	31/12/2006	30/11/2007	21/12/2007	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

5 active · 6 ended

Active mandates

Caroline SKA

Director · since 10 décembre 2025 · until 10 décembre 2031

Active

Damien SKA

Director · since 10 décembre 2025 · until 10 décembre 2031

Active

Daniel SKA

Managing director · since 10 décembre 2025 · until 10 décembre 2031

Active

Francy-Anne JADOT

Managing director · since 10 décembre 2025 · until 10 décembre 2031

Active

Samuel SKA

Director · since 10 décembre 2025 · until 10 décembre 2031

Active

Ended mandates

BAUDOUIN HEINRICH

Director

Ended

Daniel Ska

Administrator - manager

Ended

Daniel SKA

Mandate

Ended

DANIEL SKA

Managing director

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates03/04/2026
DEMISSIONS, NOMINATIONS
PDF
Restructuring24/01/2020
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring09/07/2019
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates29/07/2014
DEMISSIONS, NOMINATIONS
PDF
Restructuring21/05/2014
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring10/02/2014
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Capital / shares13/01/2012
CAPITAL, ACTIONS
PDF
Mandates06/09/2010
DEMISSIONS, NOMINATIONS
PDF

Similar companies

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

See the Business plan

Timeline

2025
Annual accounts 2025-4,9 k €↑
2024
Annual accounts 2024-6,6 k €↓
2024
Name changeCREGELUX (LA GENERALE LUX. DE CREDIT
2023
Annual accounts 202392,6 k €↑
2022
Annual accounts 2022-19,2 k €↓
2021
Annual accounts 2021-13,9 k €↓
2021
Name changeCREGELUX
2020
Annual accounts 2020-11,2 k €↓
2019
Annual accounts 2019-2 k €↓
2018
Annual accounts 201814,5 k €↓
2017
Annual accounts 201757,6 k €↑
2016
Annual accounts 201645,9 k €↑
2015
Annual accounts 201537,6 k €↑
2014
Annual accounts 201428,2 k €↓
2013
Annual accounts 201343,6 k €↑
2013
Name changeLa Générale Luxembourgeoise de Crédit
2012
Annual accounts 201213,4 k €↑
2011
Annual accounts 20115 k €↓
2010
Annual accounts 201028,8 k €↑
2009
Annual accounts 2009-1,6 k €↑
2008
Annual accounts 2008-7,8 k €↓
2007
Annual accounts 2007107,1 k €↑
2006
Annual accounts 2006-58 k €
2006
Name changeGénérale Luxembourgeoise de Crédit
09/02/1973
IncorporationPublic limited company

La Générale Luxembourgeoise du Crédit

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