ACTIVE

ALPHA CREDIT

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Financial year 2025 · Closed on 31/12/2025

Net result56,2 M €+31,8 %over 1 year
Revenue780,1 M €+13,9 %over 1 year
Equity94,9 M €-0,0 %over 1 year
Workforce455,0 ETP-1,9 %over 1 year

Identity

Source · BCE/KBO

ALPHA CREDIT is a Public limited company incorporated in 1991. Its main activity is: Other credit granting. Its registered office is in Bruxelles. It employs on average 455,0 ETP workers (FTE).

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0445.781.316
Incorporation
28/11/1991
Legal form
Public limited company
Registered office
Rue Montagne du Parc 8 box 3
1000 Bruxelles · BruxellesSee on map
Contributed capital
28 592 014,00 €
Latest accounts
31/12/2025
Average workforce
455,0 ETP
Joint committees (3)
  • 200
  • 218
  • 310
Signals
ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debtsHigh revenue

Financials

Source · NBB, 21 filings

Trend over 13 financial years

20252024202320202019
Income statement
Revenue780,1 M €684,7 M €611,4 M €441,5 M €425,2 M €
EBITDA599 M €521,9 M €370,8 M €214,4 M €192,9 M €
Operating result386,6 M €336,1 M €211,8 M €114,5 M €120,2 M €
Net result56,2 M €42,6 M €45 M €65,9 M €59,1 M €
Balance sheet
Equity94,9 M €94,9 M €95 M €93,6 M €91,6 M €
Total assets11,9 Md €11,2 Md €10,4 Md €8,3 Md €8,3 Md €
Cash42 M €33,9 M €80,3 M €42,7 M €119,6 M €
Debts11,6 Md €11 Md €10,2 Md €8,2 Md €8,2 Md €
Other
Workforce455,0 ETP464,0 ETP429,0 ETP425,2 ETP408,3 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

7 active · 51 ended

Active mandates

Bart Ballon

Director · since 15 juillet 2025 · until 15 juillet 2031

Active
Gilles Zeitoun

Director · since 18 février 2025 · until 18 février 2031

Active
Marleen Teunen

Director · since 29 mars 2024 · until 29 mars 2030

Active
Gaetan Vercruysse

Director · since 13 mars 2024 · until 13 mars 2030

Active
Daniel De Clercq

Director · since 29 mars 2018 · until 29 mars 2030

Active
Giles Warnier de Wailly

Director · since 23 mars 2017 · until 23 mars 2029

Active
Edwin Klaps

Director · since 03 décembre 2015 · until 03 décembre 2027

Active

Ended mandates

Gaetan Vercruysse

Director · since 18 octobre 2023 · until 18 octobre 2029

Ended
Bart Vervenne

Managing director · since 19 avril 2023 · until 19 avril 2029

Ended
Luc Keppens

Director · since 24 mars 2023 · until 24 mars 2029

Ended
Giles Warnier de Wailly

Director · since 23 mars 2023 · until 23 mars 2029

Ended

Other companies at this address

Rue Montagne du Parc 8 1000 Bruxelles
CompanyCBE no.
ACE EQUIPMENT LEASING● Active
0440.910.431
ACI BELGIUM THE FINANCIAL MARKETS ASSOCIATION● Active
0409.618.726
BNP PARIBAS FORTIS CREDIT BROKERS● Active
0452.211.723
BNP Paribas Lease Group● Active
0444.779.741
Cardif Bel Unité TVA● Active
0777.663.846
EOS AREMAS BELGIUM● Active
0466.301.368
ES-FINANCE● Active
0430.506.289
F.L. ZEEBRUGGE● Active
0865.778.250
FORTIS LEASE EN-OF FORTIS LEASE BELGIUM● Active
0403.269.481
unité TVA Ravenstein● Active
0895.942.379

Full financial information

Source · NBB
202520242023202220212020
Type of accountFull modelFull modelFull modelFull modelFull modelFull model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date07/05/202620/05/202515/05/202417/05/202312/05/202226/04/2021
General meeting24/04/202625/04/202526/04/202419/04/202320/04/202221/04/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 21 filings
ModelClosingGeneral meetingFiledLanguageDocument
Full model31/12/202524/04/202607/05/2026DutchPDF
Full model31/12/202425/04/202520/05/2025DutchPDF
Full model31/12/202326/04/202415/05/2024DutchPDF
Full model31/12/202219/04/202317/05/2023DutchPDF
Full model31/12/202120/04/202212/05/2022DutchPDF
Full model31/12/202021/04/202126/04/2021DutchPDF
Full model31/12/201915/04/202014/05/2020DutchPDF
Full model31/12/201816/04/201916/05/2019DutchPDF
Full model31/12/201718/04/201822/05/2018DutchPDF
Full model31/12/201619/04/201715/05/2017DutchPDF
Full model31/12/201520/04/201620/05/2016DutchPDF
Full model31/12/201415/04/201513/05/2015DutchPDF
Full model31/12/201316/04/201414/05/2014DutchPDF
Full model31/12/201217/04/201307/05/2013DutchPDF
Full modelCorrection31/12/201118/04/201208/06/2012DutchPDF
Full model31/12/201118/04/201223/04/2012DutchPDF
Full model31/12/201020/04/201111/05/2011DutchPDF
Full model31/12/200903/05/201018/05/2010DutchPDF
Full model31/12/200815/04/200929/04/2009DutchPDF
Full model31/12/200716/04/200806/05/2008DutchPDF
Full model31/12/200618/04/200725/04/2007DutchPDF

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

7 active · 51 ended

Active mandates

Bart Ballon

Director · since 15 juillet 2025 · until 15 juillet 2031

Active
Gilles Zeitoun

Director · since 18 février 2025 · until 18 février 2031

Active
Marleen Teunen

Director · since 29 mars 2024 · until 29 mars 2030

Active
Gaetan Vercruysse

Director · since 13 mars 2024 · until 13 mars 2030

Active
Daniel De Clercq

Director · since 29 mars 2018 · until 29 mars 2030

Active
Giles Warnier de Wailly

Director · since 23 mars 2017 · until 23 mars 2029

Active
Edwin Klaps

Director · since 03 décembre 2015 · until 03 décembre 2027

Active

Ended mandates

Gaetan Vercruysse

Director · since 18 octobre 2023 · until 18 octobre 2029

Ended
Bart Vervenne

Managing director · since 19 avril 2023 · until 19 avril 2029

Ended
Luc Keppens

Director · since 24 mars 2023 · until 24 mars 2029

Ended
Giles Warnier de Wailly

Director · since 23 mars 2023 · until 23 mars 2029

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates11/08/2026
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates19/02/2026
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates19/02/2026
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates26/08/2025
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates26/08/2025
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates03/07/2025
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates03/07/2025
    DEMISSIONS, NOMINATIONS
    PDF
  • Other19/02/2024
    STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, …)
    PDF

Similar companies

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

See the Business plan

Timeline

  1. 2025
    Annual accounts 202556,2 M €↑
  2. 22/10/2025
    nominationGaetan VERCRUYSSE — Mandataire
  3. 22/10/2025
    nominationPatrick ALEXANDRE — Mandataire
  4. 22/10/2025
    nominationMaud DELBECQUE — Mandataire
  5. 22/10/2025
    nominationTanguy DE LOCHT — Mandataire
  6. 22/10/2025
    nominationCharlotte HOSTE — Mandataire
  7. 22/10/2025
    nominationSebastien PEEMANS — Mandataire
  8. 22/10/2025
    nominationHeidi PHILIPS — Mandataire
  9. 22/10/2025
    nominationLorenzo EVERAERT — Mandataire
  10. 22/10/2025
    nominationMieke BEIRNAERT — Mandataire
  11. 01/04/2025
    nominationGaëtan Vercruysse — administrateur délégué
  12. 01/04/2025
    nominationGaétan Vercruysse — gedelegeerd bestuurder
  13. 18/02/2025
    nominationGilles Zeitoun — administrateur
  14. 18/02/2025
    nominationGilles Zeitoun — bestuurder
  15. 2024
    Annual accounts 202442,6 M €↓
  16. 29/03/2024
    reconductionMarleen Teunen — administrateur
  17. 29/03/2024
    reconductionDaniel De Clercq — administrateur
  18. 29/03/2024
    reconductionMarleen Teunen — bestuurder
  19. 29/03/2024
    reconductionDaniel De Clercq — bestuurder
  20. 13/03/2024
    nominationGaetan Vercruysse — administrateur
  21. 13/03/2024
    nominationGaetan Vercruysse — bestuurder
  22. 2023
    Annual accounts 202345 M €↓
  23. 06/07/2023
    nominationGaëtan Vercruysse — CEO et membre du Conseil d'Administration
  24. 19/04/2023
    reconductionBart Vervenne — bestuurder van de Raad van Bestuur
  25. 19/04/2023
    reconductionLuc Keppens — bestuurder van de Raad van Bestuur
  26. 19/04/2023
    reconductionGilles Warnier de Wailly — bestuurder van de Raad van Bestuur
  27. 19/04/2023
    nominationDeloitte Belgium — Commissaris
  28. 09/03/2023
    nominationGaétan VERCRUYSSE — Mandataris
  29. 09/03/2023
    nominationTanguy DE LOCHT — Mandataris
  30. 09/03/2023
    nominationCharlotte HOSTE — Mandataris
  31. 09/03/2023
    nominationBenoît DEJEAN — Mandataris
  32. 09/03/2023
    nominationMarc SMET — Mandataris
  33. 09/03/2023
    nominationKoen CASTELEYN — Mandataris
  34. 09/03/2023
    nominationCedric DE SCHRIJVER — Mandataris
  35. 20/04/2022
    nominationJany Gerometta — bestuurder van de Raad van Bestuur
  36. 21/04/2021
    reconductionMAZARS Bedrijfsrevisoren — commissaris
  37. 21/04/2021
    reconductionMAZARS Bedrijfsrevisoren — commissaire
  38. 2020
    Annual accounts 202065,9 M €↑
  39. 2019
    Annual accounts 201959,1 M €↑
  40. 2018
    Annual accounts 201832,3 M €↑
  41. 2014
    Annual accounts 201423,2 M €↑
  42. 2013
    Annual accounts 201321,6 M €↑
  43. 2012
    Annual accounts 201221,3 M €↑
  44. 2011
    Annual accounts 201119,9 M €↑
  45. 2010
    Annual accounts 20101,9 M €↓
  46. 2009
    Annual accounts 200924,7 M €↑
  47. 2008
    Annual accounts 200817,6 M €
  48. 28/11/1991
    IncorporationPublic limited company