ACTIVE

CREDIT HABITAT

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Financial year 2024 · Closed on 31/12/2024

Net result320,6 k €+29,2 %over 1 year
Gross margin667 k €+0,5 %over 1 year
Equity4 M €+8,6 %over 1 year

Identity

Source · BCE/KBO

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
Joint committees (3)
  • 307
  • 30700
  • 308
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 19 filings

Trend over 19 financial years

20242023202220212020
Income statement
Gross margin667 k €663,9 k €702,1 k €616,3 k €569,9 k €
EBITDA558,8 k €541,2 k €576,8 k €500,4 k €467,4 k €
Operating result436,7 k €302,6 k €354,7 k €309,1 k €220,3 k €
Net result320,6 k €248 k €194,9 k €227,4 k €164,4 k €
Balance sheet
Equity4 M €3,7 M €3,5 M €3,3 M €3,1 M €
Total assets6,4 M €6,2 M €6,4 M €5,7 M €4 M €
Cash40,7 k €79,3 k €382,7 k €396 k €361,2 k €
Debts2,3 M €2,5 M €2,9 M €2,5 M €997,5 k €
Other
Workforce–2,9 ETP2,5 ETP2,4 ETP2,2 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€
See the valuation

Board of directors

Source · NBB, accounts to 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

Other companies at this address

Rue de Saive 3 4671 Blégny
CompanyCBE no.
IMMO AUTOMATION● Active
0766.991.272
IMMOBILIERE PIERRE THONON● Active
0546.789.295

Full financial information

Source · NBB
202420232022202120202019
Type of accountMicro modelAbridged modelAbridged modelAbridged modelAbridged modelAbridged model
Start of the financial year01/01/202401/01/202301/01/202201/01/202101/01/202001/01/2019
Closing of the financial year31/12/202431/12/202331/12/202231/12/202131/12/202031/12/2019
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date29/09/202530/09/202426/09/202327/09/202207/09/202119/10/2020
General meeting24/09/202528/09/202415/06/202315/06/202215/06/202115/06/2020
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, 19 filings
ModelClosingGeneral meetingFiledLanguageDocument
Micro model31/12/202424/09/202529/09/2025FrenchPDF
Abridged model31/12/202328/09/202430/09/2024FrenchPDF
Abridged model31/12/202215/06/202326/09/2023FrenchPDF
Abridged model31/12/202115/06/202227/09/2022FrenchPDF
Abridged model31/12/202015/06/202107/09/2021FrenchPDF
Abridged model31/12/201915/06/202019/10/2020FrenchPDF
Abridged model31/12/201815/06/201930/09/2019FrenchPDF
Abridged model31/12/201715/06/201827/09/2018FrenchPDF
Abridged model31/12/201615/06/201729/09/2017FrenchPDF
Abridged model31/12/201515/06/201627/09/2016FrenchPDF
Abridged model31/12/201415/06/201529/09/2015FrenchPDF
Abridged model31/12/201315/06/201430/09/2014FrenchPDF
Abridged model31/12/201215/06/201327/09/2013FrenchPDF
Abridged model31/12/201115/06/201226/10/2012FrenchPDF
Abridged model31/12/201015/06/201130/12/2011FrenchPDF
Abridged model31/12/200915/06/201030/11/2010FrenchPDF
Abridged model31/12/200815/06/200921/04/2010FrenchPDF
Abridged model31/12/200715/06/200830/09/2008FrenchPDF
Abridged model31/12/200615/06/200730/08/2007FrenchPDF

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.

Board of directors

Source · NBB, accounts to 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

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • 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

Similar companies

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

See the Business plan

Timeline

  1. 2024
    Annual accounts 2024320,6 k €↑
  2. 2023
    Annual accounts 2023248 k €↑
  3. 2022
    Annual accounts 2022194,9 k €↓
  4. 2021
    Annual accounts 2021227,4 k €↑
  5. 2020
    Annual accounts 2020164,4 k €↓
  6. 2019
    Annual accounts 2019223,6 k €↓
  7. 2018
    Annual accounts 2018234,2 k €↑
  8. 2017
    Annual accounts 2017230,5 k €↑
  9. 2016
    Annual accounts 2016107,5 k €↓
  10. 2015
    Annual accounts 2015137,3 k €↓
  11. 2014
    Annual accounts 2014222,8 k €↑
  12. 2013
    Annual accounts 2013106,2 k €↓
  13. 2012
    Annual accounts 2012164,7 k €↓
  14. 2011
    Annual accounts 2011165,8 k €↑
  15. 2010
    Annual accounts 2010138,8 k €↑
  16. 2009
    Annual accounts 200968,4 k €↓
  17. 2008
    Annual accounts 2008114,7 k €↓
  18. 2007
    Annual accounts 2007147,1 k €↑
  19. 2006
    Annual accounts 2006120 k €
  20. 30/10/1992
    IncorporationPrivate limited company