CREDITS, EPARGNE, PLACEMENTS, IMMOBILIER, ASSISTANCE ET CONSEILS
0449.703.282 · rovalta.com · 28/09/2026
NORMAL SITUATION
CREDITS, EPARGNE, PLACEMENTS, IMMOBILIER, ASSISTANCE ET CONSEILS
Company — Normal situation.
Financial year 2022 · Closed on 31/12/2022
Net result-1,7 k €-135,6 %over 1 year
Gross margin-1,7 k €-120,6 %over 1 year
Equity149,3 k €-1,1 %over 1 year
Overview
Identity
Source · BCE/KBOCREDITS, EPARGNE, PLACEMENTS, IMMOBILIER, ASSISTANCE ET CONSEILS is a company registered in Belgium.
- Legal situation
- Normal situation
- BCE/KBO no. / VAT
- BE 0449.703.282
- Legal form
- Public limited company
- Contributed capital
- 191 000,00 €
- Latest accounts
- 31/12/2022
Joint committees (1)
- 218
Signals
Solid equityGood liquidity
Financials
Source · NBB, 30 filingsTrend over 17 financial years
| 2022 | 2021 | 2020 | 2019 | 2018 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Gross margin | -1,7 k € | -121% | 8,1 k € | -32.6% | 12,1 k € | +21.9% | 9,9 k € | +49.0% | 6,6 k € |
| EBITDA | -2,4 k € | -131% | 7,8 k € | -30.4% | 11,2 k € | +13.0% | 9,9 k € | +83.9% | 5,4 k € |
| Operating result | 5,4 k € | -30.4% | 7,8 k € | -30.4% | 11,2 k € | +13.0% | 9,9 k € | +83.9% | 5,4 k € |
| Net result | -1,7 k € | -136% | 4,7 k € | -36.9% | 7,5 k € | +16.9% | 6,4 k € | +58.6% | 4,1 k € |
| Balance sheet | |||||||||
| Equity | 149,3 k € | -1.1% | 151 k € | +3.2% | 146,2 k € | +5.4% | 138,7 k € | +4.9% | 132,3 k € |
| Total assets | 150,5 k € | -10.0% | 167,3 k € | +2.4% | 163,4 k € | +6.1% | 154 k € | +8.9% | 141,4 k € |
| Cash | 43,8 k € | – | – | – | – | ||||
| Debts | 1,2 k € | -85.7% | 8,4 k € | -9.6% | 9,3 k € | +25.8% | 7,4 k € | +498% | 1,2 k € |
| Other | |||||||||
| Workforce | – | – | – | – | – | ||||
Board of directors
Source · NBB, accounts to 31/12/20222 active · 2 ended
Active mandates
| Director | Mandates in this company | Period | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
Edwin POPOVITCH | Managing directoruntil 26/05/2028 | ||
Yves RIGAUX | Managing directoruntil 26/05/2028 |
Ended mandates
| Director | Mandates in this company | Period | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
ETIENNE MARNEFFE | Director08/01/2007 → 28/05/2016 | ||
OLIVIER PONCHAUX | Managing directoruntil 16/02/2006 |
Financials
Full financial information
Source · NBB| 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|
| Type of account | Micro model | Micro model | Micro model | Micro model | Micro model | Micro model |
| Start of the financial year | 01/01/2022 | 01/01/2021 | 01/01/2020 | 01/01/2019 | 01/01/2018 | 01/01/2017 |
| Closing of the financial year | 31/12/2022 | 31/12/2021 | 31/12/2020 | 31/12/2019 | 31/12/2018 | 31/12/2017 |
| Length of the financial year | 12 months | 12 months | 12 months | 12 months | 12 months | 12 months |
| Filing date | 02/02/2023 | 22/08/2022 | 29/09/2021 | 30/10/2020 | 30/08/2019 | 13/08/2018 |
| General meeting | – | 27/05/2022 | 28/05/2021 | 08/09/2020 | 31/05/2019 | 25/05/2018 |
| 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 · NBBLooking for more information about this company?
Try for freeAnnual accounts filings
Source · NBB, 30 filings| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Micro model | 31/12/2022 | — | 02/02/2023 | French | |
| Micro model | 31/12/2021 | 27/05/2022 | 22/08/2022 | French | |
| Micro model | 31/12/2020 | 28/05/2021 | 29/09/2021 | French | |
| Micro model | 31/12/2019 | 08/09/2020 | 30/10/2020 | French | |
| Micro model | 31/12/2018 | 31/05/2019 | 30/08/2019 | French | |
| Micro model | 31/12/2017 | 25/05/2018 | 13/08/2018 | French | |
| Micro model | 31/12/2016 | 26/05/2017 | 19/12/2017 | French | |
| Abridged model | 31/12/2015 | 27/05/2016 | 26/07/2016 | French | |
| Abridged model | 31/12/2014 | 29/05/2015 | 23/07/2015 | French | |
| Abridged model | 31/12/2013 | 30/05/2014 | 16/09/2014 | French | |
| Abridged model | 31/12/2012 | 31/05/2013 | 27/08/2013 | French | |
| Abridged model | 31/12/2011 | 25/05/2012 | 26/11/2012 | French | |
| Abridged model | 31/12/2010 | 27/05/2011 | 21/11/2011 | French | |
| Abridged model | 31/12/2009 | 28/05/2010 | 27/09/2010 | French | |
| Abridged model | 31/12/2008 | 29/05/2009 | 13/10/2009 | French | |
| Abridged model | 31/12/2007 | 30/05/2008 | 19/08/2008 | French | |
| Abridged model | 31/12/2006 | 25/05/2007 | 18/07/2007 | French | |
| Abridged model | 31/12/2005 | 26/05/2006 | 09/06/2006 | French | |
| Abridged model | 31/12/2004 | 27/05/2005 | 26/07/2005 | French | |
| Abridged model | 31/12/2003 | 28/05/2004 | 13/10/2004 | French | |
| Abridged model | 31/12/2002 | 30/05/2003 | 01/07/2003 | French | |
| Abridged model | 31/12/2001 | 08/10/2002 | 29/10/2002 | French | |
| Abridged model | 31/12/2000 | 25/05/2001 | 27/08/2001 | French | |
| Abridged model | 31/12/1999 | 25/05/2000 | 20/07/2000 | French | |
| Abridged model | 31/12/1998 | 28/05/1999 | 25/06/1999 | French | |
| Abridged model | 31/12/1997 | 29/05/1998 | 17/07/1998 | French | — |
| Abridged model | 31/12/1996 | 30/05/1997 | 02/10/1997 | French | — |
| Abridged model | 31/12/1995 | 31/05/1996 | 08/07/1996 | French | — |
| Abridged model | 31/12/1994 | 26/05/1995 | 27/06/1995 | French | — |
| Abridged model | 31/12/1993 | 17/06/1994 | 13/07/1994 | French | — |
Valuation
Indicative valuation
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.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Board of directors
Source · NBB, accounts to 31/12/20222 active · 2 ended
Active mandates
| Director | Mandates in this company | Period | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
Edwin POPOVITCH | Managing directoruntil 26/05/2028 | ||
Yves RIGAUX | Managing directoruntil 26/05/2028 |
Ended mandates
| Director | Mandates in this company | Period | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
ETIENNE MARNEFFE | Director08/01/2007 → 28/05/2016 | ||
OLIVIER PONCHAUX | Managing directoruntil 16/02/2006 |
Ownership and network
Looking for more information about this company?
Try for freePublications
Belgian Official Gazette publications
Source · Belgian Official Gazette- Dissolution10/03/2023RUBRIQUE FIN (CESSATION, ANNULATION CESSATION, NULLITE, CONC, REORGANISATION JUDICIAIRE, ETC...)
- Mandates10/11/2022DEMISSIONS, NOMINATIONS
- Registered office20/05/2021SIEGE SOCIAL
- Registered office13/03/2017SIEGE SOCIAL
- Mandates15/06/2016DEMISSIONS, NOMINATIONS
- Mandates08/07/2011DEMISSIONS, NOMINATIONS
- Mandates05/02/2007DEMISSIONS, NOMINATIONS
- Mandates20/03/2006DEMISSIONS, NOMINATIONS
Similar companies
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
Source · CBE, NBB annual accountsYear
Identity
Name
Registered office
Annual accounts
Filings17 filings
Mandates
Yves RIGAUX
Edwin POPOVITCH
ETIENNE MARNEFFE
OLIVIER PONCHAUX
20062007200820092010201120122013201420152016201720182019202020212022202320242025202620272028
C.E.P.I.A.C.
Boulevard Bischoffsheim 39 bte 4, 1000 Brussels
Managing director
Managing director
Director
CurrentPlanned, not yet servedEndedAccounts filedToday
Registered offices
Source · NBB annual accounts, CBE| Registered address | Period | Source |
|---|---|---|
| Boulevard Bischoffsheim 39 bte 4, 1000 Brussels | accounts 2021 → 2022 | Accounts 2022 · 2023-00019326 |
Company names
Source · NBB annual accounts, CBE| Name | Period | Source |
|---|---|---|
| C.E.P.I.A.C. | accounts 2021 → 2022 | Accounts 2022 · 2023-00019326 |
Events
- 2022Annual accounts 2022-1,7 k €↓
- 2021Annual accounts 20214,7 k €↓
- 2020Annual accounts 20207,5 k €↑
- 2019Annual accounts 20196,4 k €↑
- 2018Annual accounts 20184,1 k €↑
- 2017Annual accounts 2017-4,2 k €↓
- 2016Annual accounts 20167,8 k €↑
- 2015Annual accounts 2015-43,4 k €↓
- 2014Annual accounts 2014-8,7 k €↓
- 2013Annual accounts 2013159,7 k €↑
- 2012Annual accounts 2012-6,4 k €↑
- 2011Annual accounts 2011-24,9 k €↑
- 2010Annual accounts 2010-84 k €↓
- 2009Annual accounts 20098,8 k €↑
- 2008Annual accounts 2008-22,5 k €↓
- 2007Annual accounts 200723,3 k €↑
- 2006Annual accounts 2006-45 k €