ACTIVE

SOCIETE WALLONNE DU CREDIT SOCIAL

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Financial year 2025 · Closed on 31/12/2025

Net result6,5 M €-52,6 %over 1 year

Revenue78,3 M €-4,6 %over 1 year

Equity227,1 M €+2,1 %over 1 year

Workforce135,3 ETP-0,4 %over 1 year

Identity

Source · BCE/KBO

SOCIETE WALLONNE DU CREDIT SOCIAL is a Public limited company incorporated in 2001. Its main activity is: Other credit granting. Its registered office is in Charleroi. It employs on average 135,3 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0473.771.754
Incorporation: 10/01/2001
Legal form: Public limited company
Registered office: Rue de l'Ecluse 4
6000 Charleroi · Wallonie
Contributed capital: 65 775 043,77 €
Latest accounts: 31/12/2025
Average workforce: 135,3 ETP

Activities (NACE)

64922Other credit granting· main 64922Other credit granting 65222Reinsurance 68310Real estate agencies 68311Real estate agencies

Joint committees (1)

0000

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debtsHigh revenue

Financials

Source · NBB, 21 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Revenue	78,3 M €	-4.6%	82,1 M €	+5.9%	77,5 M €	+13.4%	68,4 M €	-3.5%	70,8 M €
EBITDA	6 M €	-49.2%	11,8 M €	+356%	-4,6 M €	-114%	-2,1 M €	+54.9%	-4,8 M €
Operating result	5 M €	-56.8%	11,5 M €	+413%	-3,7 M €	+14.9%	-4,3 M €	+16.7%	-5,2 M €
Net result	6,5 M €	-52.6%	13,8 M €	+4071%	331 k €	-8.9%	363,1 k €	-25.2%	485,7 k €
Balance sheet
Equity	227,1 M €	+2.1%	222,5 M €	+37.6%	161,6 M €	-2.0%	165 M €	-2.5%	169,3 M €
Total assets	4,4 Md €	+0.4%	4,4 Md €	+7.2%	4,1 Md €	+9.6%	3,7 Md €	+8.8%	3,4 Md €
Cash	181 M €	-6.9%	194,4 M €	+2436%	7,7 M €	-78.0%	34,9 M €	-71.3%	121,3 M €
Debts	3,9 Md €	+0.4%	3,9 Md €	+6.4%	3,7 Md €	+10.6%	3,3 Md €	+9.7%	3 Md €
Other
Workforce	135,3 ETP	-0.4%	135,8 ETP	+2.2%	132,9 ETP	+10.5%	120,3 ETP	+5.7%	113,8 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

13 active · 172 ended

Active mandates

Director	Function	Mandate	Other mandatescurrentendedstruck offbankruptcies
Sébastien PRADELLA	Administrateur avec voix consultative	since 12/06/2025
Annick FOURMEAUX	Administratrice avec voix consultative	15/02/2024 → 12/06/2025
Carl LUKALU	Chairman of the board of directors	since 01/12/2023	00
David CICCARELLA	Director	25/06/2020 → 01/09/2025
Laurence BARBAIX	Director	since 25/06/2020	0
Léa CHAUFOUREAU	Director	since 25/06/2020
Marie-Anne GAILLY	Director	since 25/06/2020	000
Matthieu LIESSENS	Director	since 25/06/2020	000
Natacha LEROY	Director	since 25/06/2020
Régis DOYEN	Director	since 25/06/2020	00
Sébastien DESCHAMPS	Vice-chairman of the board of directors	since 25/06/2020
Yves BESSELING	Director	since 25/06/2020	00
Yves BRULARD	Vice-chairman of the board of directors	since 25/06/2020	00

Ended mandates

Director	Function	Mandate
Annick FOURMEAUX	Administratrice avec voix consultative	since 15/02/2024
David CICCARELLA	Director	since 25/06/2020
Michaël FRYNS	Director	25/06/2020 → 16/05/2024
Michaël FRYNS	Director	since 25/06/2020

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Full model	Full model	Full model	Full model	Full model	Full model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	16/06/2026	01/07/2025	21/06/2024	11/07/2023	30/06/2022	04/06/2021
General meeting	20/05/2026	30/06/2025	13/06/2024	17/05/2023	12/05/2022	20/05/2021
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, 21 filings

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2025	20/05/2026	16/06/2026	French	PDF
Full model	31/12/2024	30/06/2025	01/07/2025	French	PDF
Full model	31/12/2023	13/06/2024	21/06/2024	French	PDF
Full model	31/12/2022	17/05/2023	11/07/2023	French	PDF
Full model	31/12/2021	12/05/2022	30/06/2022	French	PDF
Full model	31/12/2020	20/05/2021	04/06/2021	French	PDF
Full model	31/12/2019	14/05/2020	09/06/2020	French	PDF
Full model	31/12/2018	20/06/2019	09/07/2019	French	PDF
Full modelCorrection	31/12/2017	14/06/2018	12/07/2018	French	PDF
Full model	31/12/2017	14/06/2018	26/06/2018	French	PDF
Full model	31/12/2016	15/06/2017	03/07/2017	French	PDF
Full model	31/12/2015	09/06/2016	05/07/2016	French	PDF
Full model	31/12/2014	11/06/2015	22/06/2015	French	PDF
Full model	31/12/2013	12/06/2014	08/07/2014	French	PDF
Full model	31/12/2012	13/06/2013	11/07/2013	French	PDF
Full model	31/12/2011	14/06/2012	13/07/2012	French	PDF
Full model	31/12/2010	12/05/2011	19/05/2011	French	PDF
Full model	31/12/2009	17/06/2010	30/06/2010	French	PDF
Full model	31/12/2008	27/03/2009	07/04/2009	French	PDF
Full model	31/12/2007	25/06/2008	04/08/2008	French	PDF
Full model	31/12/2006	28/06/2007	09/07/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 0 € and 100 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 31/12/2025

13 active · 172 ended

Active mandates

Director	Function	Mandate	Other mandatescurrentendedstruck offbankruptcies
Sébastien PRADELLA	Administrateur avec voix consultative	since 12/06/2025
Annick FOURMEAUX	Administratrice avec voix consultative	15/02/2024 → 12/06/2025
Carl LUKALU	Chairman of the board of directors	since 01/12/2023	00
David CICCARELLA	Director	25/06/2020 → 01/09/2025
Laurence BARBAIX	Director	since 25/06/2020	0
Léa CHAUFOUREAU	Director	since 25/06/2020
Marie-Anne GAILLY	Director	since 25/06/2020	000
Matthieu LIESSENS	Director	since 25/06/2020	000
Natacha LEROY	Director	since 25/06/2020
Régis DOYEN	Director	since 25/06/2020	00
Sébastien DESCHAMPS	Vice-chairman of the board of directors	since 25/06/2020
Yves BESSELING	Director	since 25/06/2020	00
Yves BRULARD	Vice-chairman of the board of directors	since 25/06/2020	00

Ended mandates

Director	Function	Mandate
Annick FOURMEAUX	Administratrice avec voix consultative	since 15/02/2024
David CICCARELLA	Director	since 25/06/2020
Michaël FRYNS	Director	25/06/2020 → 16/05/2024
Michaël FRYNS	Director	since 25/06/2020

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Other22/07/2026
Delégation de pouvoir
PDF
Mandates05/06/2026
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Mandates19/03/2026
DEMISSIONS, NOMINATIONS
PDF
Other08/10/2025
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Capital / shares20/12/2024
CAPITAL, ACTIONS
PDF
Mandates30/07/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates07/03/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates22/01/2024
DEMISSIONS, NOMINATIONS
PDF

Similar companies

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

See the Business plan

Timeline

20/05/2026
nominationAudicia · réviseur
20/01/2026
nominationMichel PETERS · administrateur
20/01/2026
nominationClaire CHARIERE · administrateur
20/01/2026
nominationHugues KEMPENEERS · administrateur
20/01/2026
nominationClotilde LEAL LOPEZ · administrateur
20/01/2026
nominationVincent GARNY · administrateur
20/01/2026
nominationJulien DONFUT · administrateur
20/01/2026
nominationBernard MONNIER · administrateur
20/01/2026
reconductionNatacha LEROY · administrateur
20/01/2026
reconductionKarl LUKALU · administrateur
20/01/2026
reconductionLaurence BARBAIX · administrateur
20/01/2026
reconductionSebastien DESCHAMPS · administrateur
20/01/2026
reconductionRégis DOYEN · administrateur
2025
Annual accounts 20256,5 M €↓
2024
Annual accounts 202413,8 M €↑
12/12/2024
augmentation_capital
05/09/2024
nominationAnne-Frangoise Mouton · commissaire du Gouvernement
05/09/2024
nominationGauthier Piron · commissaire du Gouvernement
13/06/2024
nominationDominique Guide · représentant de la Cour des comptes (collège des réviseurs)
2023
Annual accounts 2023331 k €↓
01/12/2023
nominationCarl Lukalu · administrateur
28/06/2023
nominationAudicia · réviseur
2022
Annual accounts 2022363,1 k €↓
2021
Annual accounts 2021485,7 k €↓
2020
Annual accounts 20201,1 M €↓
2019
Annual accounts 20194,7 M €↓
2018
Annual accounts 201811 M €↓
2017
Annual accounts 201715,1 M €↑
2016
Annual accounts 2016-875,5 k €↓
2015
Annual accounts 20152,5 M €↓
2014
Annual accounts 20146,1 M €↓
2013
Annual accounts 201318,9 M €↑
2012
Annual accounts 20128,3 M €↑
2011
Annual accounts 20112,4 M €↓
2010
Annual accounts 20105,4 M €↓
2009
Annual accounts 20095,8 M €↑
2008
Annual accounts 20083,5 M €↑
2007
Annual accounts 20071,2 M €↓
2006
Annual accounts 20065,7 M €
10/01/2001
IncorporationPublic limited company

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Rue de l'Ecluse 4, 6000 CharleroiCurrent	CBE, tracked since 27/09/2026	CBE
Rue de l'Ecluse 10, 6000 Charleroi	accounts 2021 → 2025	Accounts 2025 · 2026-00173858

Annual accounts date a value by the financial year it appears in. The CBE dates a change to the day, but its history has only been kept since 27/09/2026.

SOCIETE WALLONNE DU CREDIT SOCIAL

Overview

Identity

Financials

Valuation

Indicative valuation

Board of directors

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

Registered offices