ACTIVE

CREDIT HABITAT

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Financial year 2024 · closed on 31/12/2024

Net result

320,6 k €

+29.2% YoY

Gross margin

667 k €

+0.5% YoY

Equity

4 M €

+8.6% YoY

What does CREDIT HABITAT do?

CREDIT HABITAT is a Private limited company incorporated in 1992. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Blégny.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0448.647.269

Incorporation

30/10/1992

Legal form

Private limited company

Registered office

Rue de Saive 3
4671 Blégny · WallonieSee on map

Contributed capital

18 592,01 €

Latest accounts

31/12/2024

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (3)

307
30700
308

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	667 k €	+0.5%	663,9 k €	-5.4%	702,1 k €	+13.9%	616,3 k €	+8.1%	569,9 k €	-11.5%	644,3 k €	+7.8%	597,6 k €	+5.4%	567 k €	+56.1%	363,2 k €	+22.6%	296,3 k €	-14.9%	348,2 k €	+20.0%	290,2 k €	+4.7%	277,3 k €	+8.6%	255,4 k €	+31.5%	194,2 k €	+13.8%	170,7 k €	+0.9%	169,2 k €	-19.5%	210,1 k €	+29.2%	162,6 k €
EBITDA	558,8 k €	+3.2%	541,2 k €	-6.2%	576,8 k €	+15.3%	500,4 k €	+7.1%	467,4 k €	-13.6%	541,1 k €	+9.7%	493,5 k €	+2.4%	482 k €	+51.6%	317,9 k €	+27.0%	250,3 k €	-17.2%	302,2 k €	+22.0%	247,8 k €	+7.7%	230 k €	+5.9%	217,3 k €	+43.0%	151,9 k €	+10.6%	137,4 k €	+1.2%	135,8 k €	-24.9%	180,8 k €	+12.4%	160,8 k €
Operating result	436,7 k €	+44.3%	302,6 k €	-14.7%	354,7 k €	+14.8%	309,1 k €	+40.3%	220,3 k €	-25.1%	294 k €	-12.5%	335,9 k €	-0.4%	337,3 k €	+76.2%	191,4 k €	-5.3%	202,3 k €	-20.7%	255,2 k €	+23.0%	207,4 k €	-0.1%	207,6 k €	-1.5%	210,6 k €	+48.1%	142,2 k €	+22.8%	115,8 k €	-6.4%	123,7 k €	-26.5%	168,4 k €	+12.9%	149,2 k €
Net result	320,6 k €	+29.2%	248 k €	+27.3%	194,9 k €	-14.3%	227,4 k €	+38.3%	164,4 k €	-26.5%	223,6 k €	-4.5%	234,2 k €	+1.6%	230,5 k €	+114%	107,5 k €	-21.7%	137,3 k €	-38.4%	222,8 k €	+110%	106,2 k €	-35.5%	164,7 k €	-0.6%	165,8 k €	+19.4%	138,8 k €	+103%	68,4 k €	-40.4%	114,7 k €	-22.0%	147,1 k €	+22.5%	120 k €
Balance sheet
Equity	4 M €	+8.6%	3,7 M €	+7.1%	3,5 M €	+5.9%	3,3 M €	+7.5%	3,1 M €	+5.7%	2,9 M €	+8.4%	2,7 M €	+9.6%	2,4 M €	+10.5%	2,2 M €	+5.1%	2,1 M €	+7.0%	2 M €	+12.9%	1,7 M €	+12.8%	1,5 M €	+12.0%	1,4 M €	+12.8%	1,2 M €	+12.9%	1,1 M €	+6.8%	1 M €	+12.8%	893,4 k €	+19.7%	746,3 k €
Total assets	6,4 M €	+2.3%	6,2 M €	-2.6%	6,4 M €	+11.3%	5,7 M €	+41.7%	4 M €	-2.0%	4,1 M €	+2.7%	4 M €	-0.6%	4 M €	+7.2%	3,8 M €	+10.4%	3,4 M €	-1.8%	3,5 M €	+34.9%	2,6 M €	+27.1%	2 M €	+8.4%	1,9 M €	+21.0%	1,5 M €	+6.2%	1,5 M €	+14.0%	1,3 M €	+39.2%	917,8 k €	+19.5%	768 k €
Cash	40,7 k €	-48.6%	79,3 k €	-79.3%	382,7 k €	-3.4%	396 k €	+9.7%	361,2 k €	+11.3%	324,5 k €	-31.6%	474,6 k €	-23.6%	621,5 k €	+10.5%	562,4 k €	+1.0%	557 k €	+289%	143 k €	+11.9%	127,8 k €	+60.2%	79,8 k €	-48.9%	156,2 k €	-74.7%	617,1 k €	+24.7%	495 k €	+3329%	14,4 k €	-98.0%	708,2 k €	+18.7%	596,5 k €
Debts	2,3 M €	-7.2%	2,5 M €	-14.2%	2,9 M €	+18.4%	2,5 M €	+146%	997,5 k €	-19.7%	1,2 M €	-8.4%	1,4 M €	-15.9%	1,6 M €	+2.6%	1,6 M €	+18.8%	1,3 M €	-13.0%	1,5 M €	+80.1%	845,2 k €	+71.6%	492,4 k €	-1.7%	500,7 k €	+51.8%	329,8 k €	-13.2%	379,8 k €	+40.8%	269,8 k €	+1007%	24,4 k €	+12.4%	21,7 k €
Other
Workforce	–		2,9 ETP	+16.0%	2,5 ETP	+4.2%	2,4 ETP	+9.1%	2,2 ETP	0.0%	2,2 ETP	-8.3%	2,4 ETP	+20.0%	2,0 ETP	+100%	1,0 ETP	0.0%	1,0 ETP		–		1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP		–

Estimate

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 1 active · 4 ended

Active mandates

Manon FREDERICK

Director · since 24 mai 2024

Active

Ended mandates

Laurence THONON

Manager · since 01 janvier 2014

Ended

Laurence THONON

Director

Ended

Laurence THONON

Manager

Ended

PIERRE THONON

Manager

Ended

At this address

Other companies at this address

Company	CBE no.
IMMO AUTOMATION● Active	0766.991.272
IMMOBILIERE PIERRE THONON● Active	0546.789.295

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Micro model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	29/09/2025	30/09/2024	26/09/2023	27/09/2022	07/09/2021	19/10/2020
General meeting	24/09/2025	28/09/2024	15/06/2023	15/06/2022	15/06/2021	15/06/2020
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

19 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2024	24/09/2025	29/09/2025	French	PDF
Abridged model	31/12/2023	28/09/2024	30/09/2024	French	PDF
Abridged model	31/12/2022	15/06/2023	26/09/2023	French	PDF
Abridged model	31/12/2021	15/06/2022	27/09/2022	French	PDF
Abridged model	31/12/2020	15/06/2021	07/09/2021	French	PDF
Abridged model	31/12/2019	15/06/2020	19/10/2020	French	PDF
Abridged model	31/12/2018	15/06/2019	30/09/2019	French	PDF
Abridged model	31/12/2017	15/06/2018	27/09/2018	French	PDF
Abridged model	31/12/2016	15/06/2017	29/09/2017	French	PDF
Abridged model	31/12/2015	15/06/2016	27/09/2016	French	PDF
Abridged model	31/12/2014	15/06/2015	29/09/2015	French	PDF
Abridged model	31/12/2013	15/06/2014	30/09/2014	French	PDF
Abridged model	31/12/2012	15/06/2013	27/09/2013	French	PDF
Abridged model	31/12/2011	15/06/2012	26/10/2012	French	PDF
Abridged model	31/12/2010	15/06/2011	30/12/2011	French	PDF
Abridged model	31/12/2009	15/06/2010	30/11/2010	French	PDF
Abridged model	31/12/2008	15/06/2009	21/04/2010	French	PDF
Abridged model	31/12/2007	15/06/2008	30/09/2008	French	PDF
Abridged model	31/12/2006	15/06/2007	30/08/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 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.

Governance

Board of directors

Seen on filing of 31/12/2024 · 1 active · 4 ended

Active mandates

Manon FREDERICK

Director · since 24 mai 2024

Active

Ended mandates

Laurence THONON

Manager · since 01 janvier 2014

Ended

Laurence THONON

Director

Ended

Laurence THONON

Manager

Ended

PIERRE THONON

Manager

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates15/04/2025
DIVERS - DEMISSIONS, NOMINATIONS
PDF
Mandates17/06/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates20/12/2023
MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Mandates09/01/2015
OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates21/01/2011
DEMISSIONS, NOMINATIONS
PDF
Registered office07/07/2004
SIEGE SOCIAL - CAPITAL, ACTIONS - ASSEMBLEE GENERALE - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
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

2024
Annual accounts 2024320,6 k €↑
2023
Annual accounts 2023248 k €↑
2022
Annual accounts 2022194,9 k €↓
2021
Annual accounts 2021227,4 k €↑
2020
Annual accounts 2020164,4 k €↓
2019
Annual accounts 2019223,6 k €↓
2018
Annual accounts 2018234,2 k €↑
2017
Annual accounts 2017230,5 k €↑
2016
Annual accounts 2016107,5 k €↓
2015
Annual accounts 2015137,3 k €↓
2014
Annual accounts 2014222,8 k €↑
2013
Annual accounts 2013106,2 k €↓
2012
Annual accounts 2012164,7 k €↓
2011
Annual accounts 2011165,8 k €↑
2010
Annual accounts 2010138,8 k €↑
2009
Annual accounts 200968,4 k €↓
2008
Annual accounts 2008114,7 k €↓
2007
Annual accounts 2007147,1 k €↑
2006
Annual accounts 2006120 k €
30/10/1992
IncorporationPrivate 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

CREDIT HABITAT

Overview

What does CREDIT HABITAT do?

Trend over 19 financial years

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