ACTIVE

ROYALE INVEST & CREDIT

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Financial year 2025 · closed on 31/12/2025

Net result

294,7 k €

+106.3% YoY

Gross margin

421,8 k €

-23.4% YoY

Equity

1,2 M €

+31.9% YoY

What does ROYALE INVEST & CREDIT do?

ROYALE INVEST & CREDIT is a Public limited company incorporated in 1991. Its main activity is: Real estate agencies. Its registered office is in Grez-Doiceau.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0445.648.583

Incorporation

20/10/1991

Legal form

Public limited company

Registered office

Rue du Beau Site 51
1390 Grez-Doiceau · WallonieSee on map

Contributed capital

62 000,00 €

Latest accounts

31/12/2025

Activities (NACE)

68310Real estate agencies· main 68311Real estate agencies 64999Other financial service activities, except insurance and pension funding n.e.c.64999Other financial service activities, except insurance and pension funding n.e.c.

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	421,8 k €	-23.4%	551 k €	+3.6%	531,8 k €	+33.3%	398,9 k €	+0.7%	395,9 k €	+24.7%	317,5 k €	-3.6%	329,5 k €	+11.4%	295,7 k €	-20.6%	372,3 k €	+54.7%	240,7 k €	+30.6%	184,3 k €	+3.4%	178,2 k €	+36.8%	130,3 k €	+43.4%	90,9 k €	-1.3%	92,1 k €	-7.3%	99,4 k €	-12.7%	113,8 k €	+219%	35,7 k €	+1.4%	35,2 k €	+0.7%	34,9 k €
EBITDA	216,8 k €	-31.0%	314,1 k €	+20.0%	261,7 k €	+26.1%	207,6 k €	-9.9%	230,5 k €	+64.3%	140,3 k €	-8.9%	154 k €	+2.7%	150 k €	+5.3%	142,5 k €	+11.8%	127,5 k €	-0.5%	128,1 k €	+43.9%	89,1 k €	-28.2%	124 k €	+44.0%	86,1 k €	-1.5%	87,4 k €	+2.2%	85,5 k €	-24.8%	113,7 k €	+220%	35,6 k €	+1.4%	35,1 k €	+4.7%	33,5 k €
Operating result	125,8 k €	-49.8%	250,7 k €	+14.5%	218,9 k €	+33.9%	163,5 k €	-13.0%	187,9 k €	+88.3%	99,8 k €	-11.6%	112,8 k €	+5.2%	107,3 k €	+8.2%	99,2 k €	+17.3%	84,6 k €	-0.5%	85 k €	+84.4%	46,1 k €	-52.0%	96 k €	+65.0%	58,2 k €	-0.6%	58,5 k €	+3.4%	56,6 k €	-33.3%	84,8 k €	+704%	10,6 k €	-64.7%	29,9 k €	+5.5%	28,3 k €
Net result	294,7 k €	+106%	142,9 k €	-1.3%	144,8 k €	+41.6%	102,2 k €	-17.2%	123,5 k €	+96.4%	62,9 k €	-5.1%	66,2 k €	-4.2%	69,1 k €	+11.0%	62,3 k €	+72.6%	36,1 k €	+2.3%	35,2 k €	+282%	9,2 k €	-83.6%	56,2 k €	+270%	15,2 k €	+87.5%	8,1 k €	-3.0%	8,3 k €	-71.7%	29,5 k €	+247%	-20,1 k €	-243%	14 k €	+35.7%	10,3 k €
Balance sheet
Equity	1,2 M €	+31.9%	923 k €	+17.0%	789,1 k €	+18.4%	666,4 k €	+14.1%	584,1 k €	+22.0%	478,7 k €	+15.1%	415,8 k €	+18.9%	349,6 k €	+10.8%	315,5 k €	+9.1%	289,2 k €	+14.3%	253,1 k €	+16.2%	217,9 k €	+4.4%	208,6 k €	+37.7%	151,5 k €	+11.1%	136,3 k €	+6.3%	128,2 k €	+7.0%	119,9 k €	+32.6%	90,4 k €	-18.2%	110,5 k €	+14.5%	96,5 k €
Total assets	3 M €	+42.9%	2,1 M €	+2.6%	2,1 M €	+84.9%	1,1 M €	-0.1%	1,1 M €	+4.0%	1,1 M €	+8.6%	996,1 k €	-4.3%	1 M €	-5.4%	1,1 M €	-1.9%	1,1 M €	-2.1%	1,1 M €	-6.0%	1,2 M €	+31.4%	927,8 k €	-1.1%	938 k €	-2.8%	964,7 k €	-3.8%	1 M €	-3.6%	1 M €	-1.5%	1,1 M €	+260%	293,6 k €	+0.3%	292,8 k €
Cash	289,7 k €	+36.6%	212 k €	+21.7%	174,2 k €	+0.5%	173,4 k €	+0.5%	172,6 k €	+27.3%	135,6 k €	+133%	58,2 k €	-34.3%	88,6 k €	+9.8%	80,7 k €	+9.9%	73,4 k €	+34.5%	54,6 k €	-30.4%	78,5 k €	+9.1%	71,9 k €	+18.9%	60,5 k €	+6.1%	57 k €	-11.9%	64,7 k €	-14.1%	75,4 k €	+14.6%	65,8 k €	-15.9%	78,1 k €	+0.8%	77,5 k €
Debts	1,8 M €	+53.1%	1,2 M €	-7.3%	1,3 M €	+185%	452,4 k €	-15.6%	535,8 k €	-10.4%	598,2 k €	+3.9%	575,8 k €	-16.1%	686,1 k €	-12.1%	780,6 k €	-5.9%	829,8 k €	-7.0%	892,2 k €	-10.9%	1 M €	+39.2%	719,1 k €	-8.6%	786,5 k €	-5.1%	828,4 k €	-5.3%	874,5 k €	-5.0%	920,4 k €	-4.7%	966,2 k €	+428%	183,2 k €	-6.7%	196,3 k €

Estimate

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 9 ended

Active mandates

Jean-Philippe SEMAL

Managing director · until 07 juin 2027

Active

Mercedes THONON

Director · until 07 juin 2027

Active

Ended mandates

Jean-Philippe SEMAL

Managing director · since 01 juin 2009 · until 01 juin 2015

Ended

Mercedes THONON

Director · since 01 juin 2009 · until 01 juin 2015

Ended

JEAN PHILIPPE SEMAL

Mandate

Ended

JEAN PHILIPPE SEMAL

Managing director

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Micro model	Micro 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	27/08/2026	16/07/2025	15/07/2024	13/07/2023	19/07/2022	07/09/2021
General meeting	25/08/2026	10/07/2025	03/06/2024	06/07/2023	07/06/2022	06/09/2021
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

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	25/08/2026	27/08/2026	French	PDF
Micro model	31/12/2024	10/07/2025	16/07/2025	French	PDF
Micro model	31/12/2023	03/06/2024	15/07/2024	French	PDF
Micro model	31/12/2022	06/07/2023	13/07/2023	French	PDF
Micro model	31/12/2021	07/06/2022	19/07/2022	French	PDF
Micro model	31/12/2020	06/09/2021	07/09/2021	French	PDF
Micro model	31/12/2019	24/09/2020	28/09/2020	French	PDF
Micro model	31/12/2018	15/07/2019	22/07/2019	French	PDF
Micro model	31/12/2017	15/09/2018	18/09/2018	French	PDF
Micro model	31/12/2016	20/07/2017	26/07/2017	French	PDF
Abridged model	31/12/2015	06/06/2016	22/06/2016	French	PDF
Abridged model	31/12/2014	01/06/2015	13/07/2015	French	PDF
Abridged model	31/12/2013	02/06/2014	24/07/2014	French	PDF
Abridged model	31/12/2012	30/06/2013	23/08/2013	French	PDF
Abridged model	31/12/2011	30/06/2012	20/08/2012	French	PDF
Abridged model	31/12/2010	30/06/2011	28/09/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	30/08/2010	French	PDF
Abridged model	31/12/2008	30/06/2009	31/08/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	26/08/2008	French	PDF
Abridged model	31/12/2006	30/06/2007	29/08/2007	French	PDF

Estimate

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.

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 9 ended

Active mandates

Jean-Philippe SEMAL

Managing director · until 07 juin 2027

Active

Mercedes THONON

Director · until 07 juin 2027

Active

Ended mandates

Jean-Philippe SEMAL

Managing director · since 01 juin 2009 · until 01 juin 2015

Ended

Mercedes THONON

Director · since 01 juin 2009 · until 01 juin 2015

Ended

JEAN PHILIPPE SEMAL

Mandate

Ended

JEAN PHILIPPE SEMAL

Managing director

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates25/10/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates23/12/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates18/10/2021
DEMISSIONS, NOMINATIONS
PDF
Registered office15/02/2018
SIEGE SOCIAL
PDF
Mandates12/08/2015
DEMISSIONS, NOMINATIONS
PDF
Mandates10/04/2014
DEMISSIONS, NOMINATIONS
PDF
Registered office13/09/2010
SIEGE SOCIAL
PDF
Capital / shares07/06/2004
MODIFICATION FORME JURIDIQUE - OBJET - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - CAPITAL, ACTIONS
PDF

Source: Belgian Official Gazette

Competition

Similar companies

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

See the Business plan

2025
Annual accounts 2025294,7 k €↑
2024
Annual accounts 2024142,9 k €↓
2023
Annual accounts 2023144,8 k €↑
2022
Annual accounts 2022102,2 k €↓
2021
Annual accounts 2021123,5 k €↑
2020
Annual accounts 202062,9 k €↓
2019
Annual accounts 201966,2 k €↓
2018
Annual accounts 201869,1 k €↑
2017
Annual accounts 201762,3 k €↑
2016
Annual accounts 201636,1 k €↑
2015
Annual accounts 201535,2 k €↑
2014
Annual accounts 20149,2 k €↓
2013
Annual accounts 201356,2 k €↑
2012
Annual accounts 201215,2 k €↑
2011
Annual accounts 20118,1 k €↓
2010
Annual accounts 20108,3 k €↓
2009
Annual accounts 200929,5 k €↑
2008
Annual accounts 2008-20,1 k €↓
2007
Annual accounts 200714 k €↑
2006
Annual accounts 200610,3 k €
20/10/1991
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

ROYALE INVEST & CREDIT

Overview

What does ROYALE INVEST & CREDIT do?

Trend over 20 financial years

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