ACTIVE

L'Observatoire du Crédit et de l'Endettement

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Financial year 2025 · Closed on 31/12/2025

Net result38,5 k €-36,8 %over 1 year
Gross margin778,9 k €+18,9 %over 1 year
Equity568,3 k €+5,9 %over 1 year
Workforce9,3 ETP+36,8 %over 1 year

Identity

Source · BCE/KBO

L'Observatoire du Crédit et de l'Endettement is a Non-profit organization incorporated in 1994. Its main activity is: Activities of other membership organisations n.e.c.. Its registered office is in Charleroi. It employs on average 9,3 ETP workers (FTE).

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0452.320.403
Incorporation
31/03/1994
Legal form
Non-profit organization
Registered office
Place du Perron 38
6030 Charleroi · WallonieSee on map
Latest accounts
31/12/2025
Average workforce
9,3 ETP
Joint committees (2)
  • 200
  • 337
Contacts
2 public details availableLog in to view
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 19 filings

Trend over 18 financial years

20252024202320222021
Income statement
Gross margin778,9 k €655,1 k €736,5 k €677,6 k €610 k €
EBITDA48,3 k €60,2 k €54 k €77,1 k €44,4 k €
Operating result37,4 k €60,2 k €41 k €67,7 k €43,4 k €
Net result38,5 k €60,8 k €40,1 k €66,9 k €65 k €
Balance sheet
Equity568,3 k €536,5 k €455,7 k €415,6 k €348,7 k €
Total assets771,1 k €657,9 k €606,6 k €590,1 k €494,3 k €
Cash328,8 k €501,2 k €352 k €247,3 k €270,8 k €
Debts121,5 k €90 k €123,8 k €155,5 k €100,2 k €
Other
Workforce9,3 ETP6,8 ETP8,7 ETP8,0 ETP8,3 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 31/12/2025

14 active · 106 ended

Active mandates

DirectorFunctionMandateOther mandatescurrentendedstruck offbankruptcies
Association Belge de Recherche et d'Expertise des Organisations de Consommateurs0632.525.914Represented by Leen De Cort
Directorsince 03/05/2018
Vincent Magnée
Chairman of the board of directorssince 08/05/2017
Centre Public d’Action Sociale de Charleroi0212.358.536Represented by Véronique Pisano
Directorsince 23/03/2016
00
Centre public d'Action sociale de Herstal0212.358.932Represented by Gaëlle Parrado Caemona
Directorsince 23/03/2016
00
Jean-Marc Delporte
Directorsince 20/05/2015
00
AGRICALL WALLONIE ASBL0873.384.139Represented by Marie Van de Putte
Directorsince 15/06/2011
Robert Geurts
Directorsince 15/06/2011
Bertel De Groote
Directorsince 22/03/2007
000
Union Professionnelle du Crédit0414.167.729Represented by Ivo Van Bulck
Directorsince 22/03/2007
Verbraucherschutzzentrale, französisch "Association de défense des consommateurs asbl", niederländisch "Consumentenorganisatie v.z.w." englichisch "0446.122.893Represented by Marie-Christine Calmant
Directorsince 25/03/2004
000
Centre public d'Action sociale de Silly0212.165.526Represented by Emilie Libberecht
Director
COFIDIS0400.359.283Represented by Felician David
Director
000
Denis Maréchal
Director
Union des Villes et Communes de Wallonie0451.461.655Represented by Gilles Geominne
Director
00

Ended mandates

DirectorFunctionMandateOther mandatescurrentendedstruck offbankruptcies
Centre public d'Action sociale de Silly0212.165.526Represented by Emilie Libberecht
Directorsince 24/02/2022
Association Belge de Recherche et d'Expertise des Organisations de Consommateurs0632.525.914Represented by Leen De Cort
Directorsince 03/05/2018
Association chapitre XII des C.P.A.S. de la communauté urbaine du Centre0471.053.873Represented by Emilie Severs
Director03/05/2018 → 23/06/2021
Association chapitre XII des C.P.A.S. de la communauté urbaine du Centre0471.053.873Represented by Emilie Severs
Directorsince 03/05/2018

Other companies at this address

Place du Perron 38 6030 Charleroi
CompanyCBE no.
LES AMIS DU CHATEAU DE CARTIER● Active
0433.765.687

Full financial information

Source · NBB
202520242023202220212020
Type of accountAbridged modelAbridged modelAbridged modelAbridged modelAbridged modelAbridged 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 date26/06/202630/06/202501/07/202404/07/202323/06/202224/06/2021
General meeting25/06/202625/06/202527/06/202428/06/202322/06/202223/06/2021
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, 19 filings
ModelClosingGeneral meetingFiledLanguageDocument
Abridged model31/12/202525/06/202626/06/2026FrenchPDF
Abridged model31/12/202425/06/202530/06/2025FrenchPDF
Abridged model31/12/202327/06/202401/07/2024FrenchPDF
Abridged model31/12/202228/06/202304/07/2023FrenchPDF
Abridged model31/12/202122/06/202223/06/2022FrenchPDF
Abridged model31/12/202023/06/202124/06/2021FrenchPDF
Abridged model31/12/201903/09/202004/09/2020FrenchPDF
Abridged model31/12/201820/06/201925/06/2019FrenchPDF
Abridged model31/12/201703/05/201808/05/2018FrenchPDF
Abridged model31/12/201608/05/201716/05/2017FrenchPDF
Abridged model31/12/201524/03/201631/03/2016FrenchPDF
Abridged model31/12/201420/05/201522/05/2015FrenchPDF
Abridged model31/12/201323/04/201424/04/2014FrenchPDF
Abridged model31/12/201223/05/201324/05/2013FrenchPDF
Abridged model31/12/201125/04/201214/05/2012FrenchPDF
Abridged model31/12/201015/06/201120/06/2011FrenchPDF
Abridged model31/12/200903/06/201022/06/2010FrenchPDF
Abridged model31/12/200826/03/200913/05/2009FrenchPDF
Abridged model31/12/200720/03/200818/04/2008FrenchPDF

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 31/12/2025

14 active · 106 ended

Active mandates

DirectorFunctionMandateOther mandatescurrentendedstruck offbankruptcies
Association Belge de Recherche et d'Expertise des Organisations de Consommateurs0632.525.914Represented by Leen De Cort
Directorsince 03/05/2018
Vincent Magnée
Chairman of the board of directorssince 08/05/2017
Centre Public d’Action Sociale de Charleroi0212.358.536Represented by Véronique Pisano
Directorsince 23/03/2016
00
Centre public d'Action sociale de Herstal0212.358.932Represented by Gaëlle Parrado Caemona
Directorsince 23/03/2016
00
Jean-Marc Delporte
Directorsince 20/05/2015
00
AGRICALL WALLONIE ASBL0873.384.139Represented by Marie Van de Putte
Directorsince 15/06/2011
Robert Geurts
Directorsince 15/06/2011
Bertel De Groote
Directorsince 22/03/2007
000
Union Professionnelle du Crédit0414.167.729Represented by Ivo Van Bulck
Directorsince 22/03/2007
Verbraucherschutzzentrale, französisch "Association de défense des consommateurs asbl", niederländisch "Consumentenorganisatie v.z.w." englichisch "0446.122.893Represented by Marie-Christine Calmant
Directorsince 25/03/2004
000
Centre public d'Action sociale de Silly0212.165.526Represented by Emilie Libberecht
Director
COFIDIS0400.359.283Represented by Felician David
Director
000
Denis Maréchal
Director
Union des Villes et Communes de Wallonie0451.461.655Represented by Gilles Geominne
Director
00

Ended mandates

DirectorFunctionMandateOther mandatescurrentendedstruck offbankruptcies
Centre public d'Action sociale de Silly0212.165.526Represented by Emilie Libberecht
Directorsince 24/02/2022
Association Belge de Recherche et d'Expertise des Organisations de Consommateurs0632.525.914Represented by Leen De Cort
Directorsince 03/05/2018
Association chapitre XII des C.P.A.S. de la communauté urbaine du Centre0471.053.873Represented by Emilie Severs
Director03/05/2018 → 23/06/2021
Association chapitre XII des C.P.A.S. de la communauté urbaine du Centre0471.053.873Represented by Emilie Severs
Directorsince 03/05/2018

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates05/08/2026
    Nominations, renouvellements de mandat, changement de représentant
    PDF
  • Mandates17/09/2025
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates23/09/2024
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates12/04/2024
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates03/08/2023
    DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …)
    PDF
  • Mandates28/03/2023
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates29/07/2022
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates19/05/2022
    DEMISSIONS, NOMINATIONS
    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 202538,5 k €↓
  2. 2024
    Annual accounts 202460,8 k €↑
  3. 2023
    Annual accounts 202340,1 k €↓
  4. 2022
    Annual accounts 202266,9 k €↑
  5. 2021
    Annual accounts 202165 k €↑
  6. 2020
    Annual accounts 202033,1 k €↑
  7. 2019
    Annual accounts 2019-170,7 k €↓
  8. 2018
    Annual accounts 2018-698,9 €↓
  9. 2017
    Annual accounts 20171,5 k €↑
  10. 2016
    Annual accounts 2016-4,4 k €↑
  11. 2015
    Annual accounts 2015-18,9 k €↓
  12. 2014
    Annual accounts 201413,7 k €↓
  13. 2013
    Annual accounts 201320,6 k €↑
  14. 2012
    Annual accounts 20124,3 k €↓
  15. 2011
    Annual accounts 201110,6 k €↑
  16. 2010
    Annual accounts 20105,8 k €↓
  17. 2009
    Annual accounts 200921,3 k €↓
  18. 2008
    Annual accounts 200826,3 k €
  19. 31/03/1994
    IncorporationNon-profit organization