ACTIVE

BELGIUM FINANCE

Financial year 2025 · Closed on 31/05/2025

Net result1,2 k €-98,2 %over 1 year

Gross margin76,6 k €-48,1 %over 1 year

Equity78,3 k €+1,6 %over 1 year

Identity

Source · BCE/KBO

BELGIUM FINANCE is a Public limited company incorporated in 1998. Its main activity is: Other credit granting. Its registered office is in Charleroi.

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0464.767.283
Incorporation: 08/12/1998
Legal form: Public limited company
Registered office: Boulevard Joseph Tirou 63
6000 Charleroi · WallonieSee on map
Contributed capital: 123 946,76 €
Latest accounts: 31/05/2025

Activities (NACE)

64929Other credit granting· main 64929Other credit granting 66199Other activities auxiliary to financial services, except insurance and pension funding 66199Other activities auxiliary to financial services, except insurance and pension funding 64999Other financial service activities, except insurance and pension funding n.e.c.64999Other financial service activities, except insurance and pension funding n.e.c.

Joint committees (2)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 19 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	76,6 k €	-48.1%	147,8 k €	+54.5%	95,7 k €	+3.8%	92,1 k €	-10.3%	102,7 k €
EBITDA	3,3 k €	-95.3%	69,5 k €	+103%	34,3 k €	-2.3%	35,1 k €	-7.5%	37,9 k €
Operating result	2,5 k €	-96.3%	68,7 k €	+335%	15,8 k €	+3.6%	15,2 k €	-16.6%	18,3 k €
Net result	1,2 k €	-98.2%	66,9 k €	+8197%	806,4 €	+154%	-1,5 k €	-463%	408,2 €
Balance sheet
Equity	78,3 k €	+1.6%	77,1 k €	-56.0%	175,2 k €	+0.5%	174,4 k €	-0.8%	175,8 k €
Total assets	94,9 k €	+7.2%	88,5 k €	-84.8%	584,2 k €	+4.1%	561,3 k €	-3.0%	578,4 k €
Cash	1,6 k €	-94.7%	30,1 k €	+12180%	245,5 €	+3.2%	237,8 €	+3.4%	229,9 €
Debts	16,6 k €	+44.9%	11,5 k €	-97.0%	377,1 k €	-0.5%	379 k €	+10.2%	344 k €
Other
Workforce	–		–		–		–		–

Valuation

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€

See the valuation

Board of directors

Source · NBB, accounts to 31/05/2024

2 active · 10 ended

Active mandates

Élodie LADA

Managing director

Active

Joëlle COLARD

Director

Active

Ended mandates

Elodie LADA

Managing director · since 01 février 2017 · until 16 septembre 2021

Ended

Joëlle COLLARD

Director · since 01 février 2017 · until 16 septembre 2021

Ended

SERGE LADA

Managing director · since 17 septembre 2015 · until 16 septembre 2021

Ended

Société de Crédit et Financement belge

Director · since 17 septembre 2015 · until 16 septembre 2021 · 0426.114.268

Represented by Serge LADA

Ended

Other companies at this address

Boulevard Joseph Tirou 63 6000 Charleroi

Company	CBE no.
IMMOBILIERE LANGRAND● Active	0440.213.021
SIXTY-THREE● Active	0695.995.586
Société de Crédit et Financement belge● Active	0426.114.268

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro model
Start of the financial year	01/06/2024	01/06/2023	01/06/2022	01/06/2021	01/06/2020	01/06/2019
Closing of the financial year	31/05/2025	31/05/2024	31/05/2023	31/05/2022	31/05/2021	31/05/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	31/12/2025	19/12/2024	20/12/2023	30/11/2022	28/12/2021	22/12/2020
General meeting	30/11/2025	30/11/2024	30/11/2023	15/09/2022	16/09/2021	17/09/2020
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/05/2025	30/11/2025	31/12/2025	French	PDF
Micro model	31/05/2024	30/11/2024	19/12/2024	French	PDF
Micro model	31/05/2023	30/11/2023	20/12/2023	French	PDF
Micro model	31/05/2022	15/09/2022	30/11/2022	French	PDF
Micro model	31/05/2021	16/09/2021	28/12/2021	French	PDF
Micro model	31/05/2020	17/09/2020	22/12/2020	French	PDF
Micro model	31/05/2019	19/09/2019	05/11/2019	French	PDF
Micro model	31/05/2018	20/09/2018	29/10/2018	French	PDF
Micro model	31/05/2017	16/09/2017	28/12/2017	French	PDF
Abridged modelCorrection	31/05/2016	15/09/2016	21/12/2016	French	PDF
Abridged model	31/05/2016	15/09/2016	23/11/2016	French	PDF
Abridged model	31/05/2015	17/09/2015	16/11/2015	French	PDF
Abridged model	31/05/2014	18/09/2014	23/12/2014	French	PDF
Abridged model	31/05/2013	19/09/2013	23/12/2013	French	PDF
Abridged model	31/05/2012	20/09/2012	26/12/2012	French	PDF
Abridged model	31/05/2011	15/09/2011	26/12/2011	French	PDF
Abridged model	31/05/2010	16/09/2010	30/12/2010	French	PDF
Abridged model	31/05/2009	01/06/2009	10/12/2009	French	PDF
Abridged model	31/05/2008	09/10/2008	23/12/2008	French	PDF
Abridged model	31/05/2007	06/08/2007	10/08/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 100 k€ and 250 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 31/05/2024

2 active · 10 ended

Active mandates

Élodie LADA

Managing director

Active

Joëlle COLARD

Director

Active

Ended mandates

Elodie LADA

Managing director · since 01 février 2017 · until 16 septembre 2021

Ended

Joëlle COLLARD

Director · since 01 février 2017 · until 16 septembre 2021

Ended

SERGE LADA

Managing director · since 17 septembre 2015 · until 16 septembre 2021

Ended

Société de Crédit et Financement belge

Director · since 17 septembre 2015 · until 16 septembre 2021 · 0426.114.268

Represented by Serge LADA

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates24/04/2023
OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates04/02/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates10/03/2017
DEMISSIONS, NOMINATIONS
PDF
Mandates06/10/2016
DEMISSIONS, NOMINATIONS
PDF
Other13/01/2014
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Registered office03/11/2010
SIEGE SOCIAL
PDF
Mandates15/03/2010
DEMISSIONS, NOMINATIONS
PDF
Mandates26/08/2004
DEMISSIONS, NOMINATIONS
PDF

Similar companies

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

See the Business plan

Timeline

2025
Annual accounts 20251,2 k €↓
2024
Annual accounts 202466,9 k €↑
2023
Annual accounts 2023806,4 €↑
2022
Annual accounts 2022-1,5 k €↓
2021
Annual accounts 2021408,2 €↓
2020
Annual accounts 20201,6 k €↓
2019
Annual accounts 20195,5 k €↓
2018
Annual accounts 20188 k €↑
2017
Annual accounts 20173,7 k €↑
2016
Annual accounts 2016-42,1 k €↓
2015
Annual accounts 201527,1 k €↑
2014
Annual accounts 20142,9 k €↓
2013
Annual accounts 20139,1 k €↑
2012
Annual accounts 20127,4 k €↑
2011
Annual accounts 2011-79,2 k €↓
2010
Annual accounts 2010-77,5 k €↓
2009
Annual accounts 2009-7,6 k €↓
2008
Annual accounts 20081,2 k €↑
2007
Annual accounts 2007-9,1 k €
08/12/1998
IncorporationPublic limited company

BELGIUM FINANCE

Overview

Identity

Financials

Valuation

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

Timeline