ACTIVE

Société de Crédit et Financement belge

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Financial year 2025 · Closed on 31/12/2025

Net result24,4 k €-94,6 %over 1 year

Gross margin393,7 k €-53,2 %over 1 year

Equity2,8 M €-14,4 %over 1 year

Workforce7,1 ETP+6,0 %over 1 year

Identity

Source · BCE/KBO

Société de Crédit et Financement belge is a Public limited company incorporated in 1983. Its main activity is: Other credit granting. Its registered office is in Charleroi. It employs on average 7,1 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0426.114.268
Incorporation: 27/12/1983
Legal form: Public limited company
Registered office: Boulevard Joseph Tirou 63
6000 Charleroi · WallonieSee on map
Contributed capital: 61 500,00 €
Latest accounts: 31/12/2025
Average workforce: 7,1 ETP

Activities (NACE)

64921Other credit granting· main 64921Other credit granting 66220Activities of insurance agents and brokers 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	393,7 k €	-53.2%	842 k €	-25.4%	1,1 M €	-11.3%	1,3 M €	+771%	146,2 k €
EBITDA	23,2 k €	-95.5%	510,1 k €	-20.9%	645 k €	-25.6%	866,5 k €	+551%	-192,3 k €
Operating result	-35,5 k €	-108%	450,9 k €	-23.1%	586,5 k €	-27.7%	811,6 k €	+429%	-247 k €
Net result	24,4 k €	-94.6%	452,2 k €	-23.9%	593,8 k €	-27.1%	814 k €	+419%	-254,8 k €
Balance sheet
Equity	2,8 M €	-14.4%	3,3 M €	+11.9%	2,9 M €	+25.2%	2,4 M €	+52.9%	1,5 M €
Total assets	3,6 M €	-4.1%	3,8 M €	+10.5%	3,4 M €	+24.3%	2,8 M €	+29.1%	2,1 M €
Cash	205,7 k €	+70.0%	121 k €	-38.2%	195,8 k €	-15.7%	232,3 k €	+3318%	6,8 k €
Debts	809,9 k €	+65.9%	488,3 k €	+136%	206,6 k €	-49.0%	405,2 k €	-30.6%	583,8 k €
Other
Workforce	7,1 ETP	+6.0%	6,7 ETP	-16.2%	8,0 ETP		–		8,6 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2024

1 active · 13 ended

Active mandates

Serge LADA

Managing director

Active

Ended mandates

Elodie LADA

Director · since 27 juin 2016 · until 27 juin 2022

Ended

JOELLE COLARD

Director · since 27 juin 2016 · until 27 juin 2022

Ended

PHILIPPE GENOT

Director · since 27 juin 2016 · until 27 juin 2022

Ended

SERGE LADA

Chairman of the board of directors · since 27 juin 2016 · until 27 juin 2022

Ended

Other companies at this address

Boulevard Joseph Tirou 63 6000 Charleroi

Company	CBE no.
BELGIUM FINANCE● Active	0464.767.283
IMMOBILIERE LANGRAND● Active	0440.213.021
SIXTY-THREE● Active	0695.995.586

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged 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	17/07/2026	19/08/2025	29/08/2024	31/08/2023	31/08/2022	28/10/2021
General meeting	30/06/2026	30/06/2025	28/06/2024	30/06/2023	20/06/2022	28/06/2021
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
Abridged model	31/12/2025	30/06/2026	17/07/2026	French	PDF
Abridged model	31/12/2024	30/06/2025	19/08/2025	French	PDF
Abridged model	31/12/2023	28/06/2024	29/08/2024	French	PDF
Abridged model	31/12/2022	30/06/2023	31/08/2023	French	PDF
Abridged model	31/12/2021	20/06/2022	31/08/2022	French	PDF
Abridged model	31/12/2020	28/06/2021	28/10/2021	French	PDF
Abridged model	31/12/2019	18/09/2020	01/11/2020	French	PDF
Abridged model	31/12/2018	24/06/2019	30/08/2019	French	PDF
Abridged model	31/12/2017	25/06/2018	22/08/2018	French	PDF
Abridged model	31/12/2016	26/06/2017	30/08/2017	French	PDF
Abridged model	31/12/2015	27/06/2016	30/08/2016	French	PDF
Abridged model	31/12/2014	29/06/2015	27/08/2015	French	PDF
Abridged model	31/12/2013	30/06/2014	04/08/2014	French	PDF
Abridged model	31/12/2012	24/06/2013	30/08/2013	French	PDF
Abridged model	31/12/2011	25/06/2012	31/08/2012	French	PDF
Abridged model	31/12/2010	27/06/2011	31/08/2011	French	PDF
Abridged model	31/12/2009	28/06/2010	31/08/2010	French	PDF
Abridged model	31/12/2008	29/06/2009	04/08/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	31/07/2008	French	PDF
Abridged model	31/12/2006	25/06/2007	25/07/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 M€

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 31/12/2024

1 active · 13 ended

Active mandates

Serge LADA

Managing director

Active

Ended mandates

Elodie LADA

Director · since 27 juin 2016 · until 27 juin 2022

Ended

JOELLE COLARD

Director · since 27 juin 2016 · until 27 juin 2022

Ended

PHILIPPE GENOT

Director · since 27 juin 2016 · until 27 juin 2022

Ended

SERGE LADA

Chairman of the board of directors · since 27 juin 2016 · until 27 juin 2022

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates24/04/2023
OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates10/03/2017
DEMISSIONS, NOMINATIONS
PDF
Mandates18/12/2014
DEMISSIONS, NOMINATIONS
PDF
Mandates18/12/2014
DEMISSIONS, NOMINATIONS
PDF
Restructuring27/10/2014
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Other13/01/2014
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates17/10/2011
DEMISSIONS, NOMINATIONS
PDF
Mandates03/11/2010
SIEGE SOCIAL - 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 202524,4 k €↓
2024
Annual accounts 2024452,2 k €↓
2023
Annual accounts 2023593,8 k €↓
2022
Annual accounts 2022814 k €↑
2021
Annual accounts 2021-254,8 k €↓
2020
Annual accounts 2020510,1 k €↑
2019
Annual accounts 201920,9 k €↓
2018
Annual accounts 201857,9 k €↓
2017
Annual accounts 2017102,7 k €↓
2016
Annual accounts 2016919,6 k €↑
2015
Annual accounts 2015-1,2 M €↓
2014
Annual accounts 201410,8 k €↓
2013
Annual accounts 201328 k €↓
2012
Annual accounts 201240,1 k €↑
2011
Annual accounts 201135,3 k €↑
2010
Annual accounts 20102,4 k €↓
2009
Annual accounts 200946,1 k €↓
2008
Annual accounts 2008113,2 k €↑
2007
Annual accounts 200755,8 k €↓
2006
Annual accounts 2006347,8 k €
27/12/1983
IncorporationPublic limited company

Société de Crédit et Financement belge

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