La Terrienne du Crédit Social
0862.775.210 · rovalta.com · 27/09/2026
ACTIVE
La Terrienne du Crédit Social
Financial year 2025 · Closed on 31/12/2025
Net result289 k €-20,9 %over 1 year
Revenue2,5 M €+1,8 %over 1 year
Equity7,5 M €+2,9 %over 1 year
Workforce4,7 ETP-2,1 %over 1 year
Overview
Identity
Source · BCE/KBOLa Terrienne du Crédit Social is a Cooperative company with limited liability incorporated in 2004. Its main activity is: Other credit granting. Its registered office is in Marche-en-Famenne. It employs on average 4,7 ETP workers (FTE).
- Legal situation
- Normal situation
- BCE/KBO no. / VAT
- BE 0862.775.210
- Incorporation
- 19/01/2004
- Legal form
- Cooperative company with limited liability
- Registered office
- Marche, Boulevard du Nord 15
6900 Marche-en-Famenne · WallonieSee on map - Contributed capital
- 1 068 407,56 €
- Latest accounts
- 31/12/2025
- Average workforce
- 4,7 ETP
Signals
ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts
Financials
Source · NBB, 20 filingsTrend over 20 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Revenue | 2,5 M € | +1.8% | 2,4 M € | +4.7% | 2,3 M € | +3.2% | 2,3 M € | -6.0% | 2,4 M € |
| EBITDA | 237,9 k € | -36.0% | 371,9 k € | -23.6% | 486,9 k € | +3.3% | 471,4 k € | +43.7% | 328,1 k € |
| Operating result | 269,4 k € | -22.0% | 345,4 k € | -24.1% | 454,8 k € | +10.9% | 410 k € | +2.5% | 400 k € |
| Net result | 289 k € | -20.9% | 365,2 k € | -18.7% | 449,3 k € | +13.4% | 396,2 k € | +1.9% | 388,9 k € |
| Balance sheet | |||||||||
| Equity | 7,5 M € | +2.9% | 7,3 M € | +5.3% | 6,9 M € | +7.0% | 6,4 M € | +6.1% | 6,1 M € |
| Total assets | 112,8 M € | +4.1% | 108,4 M € | +1.6% | 106,6 M € | +6.9% | 99,7 M € | +4.6% | 95,3 M € |
| Cash | 3,9 M € | +83.2% | 2,2 M € | -5.2% | 2,3 M € | -23.6% | 3 M € | -10.2% | 3,3 M € |
| Debts | 105,3 M € | +4.2% | 101,1 M € | +1.3% | 99,8 M € | +6.9% | 93,3 M € | +4.5% | 89,2 M € |
| Other | |||||||||
| Workforce | 4,7 ETP | -2.1% | 4,8 ETP | -9.4% | 5,3 ETP | 0.0% | 5,3 ETP | +1.9% | 5,2 ETP |
Valuation
Indicative valuation
As an indication, this company is worth
between 0 € and 100 k€
See the valuationBoard of directors
Source · NBB, accounts to 31/12/202525 active · 148 ended
Active mandates
Arnaud DELZANDRE
ActiveCatherine COLLARD
ActiveFabrice SARLET
ActiveGeoffrey CHETTER
ActiveGhislaine LEJEUNE
ActiveGuy LEQUEUX
ActiveJean-Michel GASPART
ActiveMARCEL GOMAND
ActiveMarianne FOURNEAU
ActiveMartine SCHMIT
ActiveThierry LAVIS
ActiveBénédicte WATHY
ActiveCatherine COLLARD
ActiveMarianne FOURNEAU
ActiveMarie-Christine VERMER
ActiveRoch KERSTEN
ActiveThierry LAVIS
ActiveDominique GILLARD
ActiveGeoffrey CHETTER
ActiveGhislaine LEJEUNE
ActiveGuy LEQUEUX
ActiveJean-Michel GASPART
ActiveJOELLE ENGLEBERT
ActiveMARCEL GOMAND
ActivePHILIPPE FRERE
ActiveEnded mandates
Catherine COLLARD
EndedMarianne FOURNEAU
EndedMarie-Christine VERMER
EndedRoch KERSTEN
EndedFinancials
Full financial information
Source · NBB| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Type of account | Abridged model | Abridged model | Abridged model | Abridged model | Abridged model | Abridged 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 | 19/06/2026 | 20/06/2025 | 19/06/2024 | 15/06/2023 | 15/06/2022 | 16/06/2021 |
| General meeting | 18/06/2026 | 13/06/2025 | 14/06/2024 | 09/06/2023 | 10/06/2022 | 11/06/2021 |
| 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 · NBBLooking for more information about this company?
Try for freeAnnual accounts filings
Source · NBB, 20 filings| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Abridged model | 31/12/2025 | 18/06/2026 | 19/06/2026 | French | |
| Abridged model | 31/12/2024 | 13/06/2025 | 20/06/2025 | French | |
| Abridged model | 31/12/2023 | 14/06/2024 | 19/06/2024 | French | |
| Abridged model | 31/12/2022 | 09/06/2023 | 15/06/2023 | French | |
| Abridged model | 31/12/2021 | 10/06/2022 | 15/06/2022 | French | |
| Abridged model | 31/12/2020 | 11/06/2021 | 16/06/2021 | French | |
| Abridged model | 31/12/2019 | 26/06/2020 | 02/07/2020 | French | |
| Abridged model | 31/12/2018 | 07/06/2019 | 11/06/2019 | French | |
| Abridged model | 31/12/2017 | 08/06/2018 | 11/06/2018 | French | |
| Abridged model | 31/12/2016 | 09/06/2017 | 13/06/2017 | French | |
| Abridged model | 31/12/2015 | 10/06/2016 | 21/06/2016 | French | |
| Abridged model | 31/12/2014 | 12/06/2015 | 16/06/2015 | French | |
| Abridged model | 31/12/2013 | 20/06/2014 | 01/07/2014 | French | |
| Abridged model | 31/12/2012 | 21/06/2013 | 28/06/2013 | French | |
| Abridged model | 31/12/2011 | 15/06/2012 | 18/06/2012 | French | |
| Abridged model | 31/12/2010 | 17/06/2011 | 20/06/2011 | French | |
| Abridged model | 31/12/2009 | 18/06/2010 | 21/06/2010 | French | |
| Abridged model | 31/12/2008 | 19/06/2009 | 23/06/2009 | French | |
| Abridged model | 31/12/2007 | 20/06/2008 | 25/06/2008 | French | |
| Abridged model | 31/12/2006 | 15/06/2007 | 26/06/2007 | French |
Valuation
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.
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 31/12/202525 active · 148 ended
Active mandates
Arnaud DELZANDRE
ActiveCatherine COLLARD
ActiveFabrice SARLET
ActiveGeoffrey CHETTER
ActiveGhislaine LEJEUNE
ActiveGuy LEQUEUX
ActiveJean-Michel GASPART
ActiveMARCEL GOMAND
ActiveMarianne FOURNEAU
ActiveMartine SCHMIT
ActiveThierry LAVIS
ActiveBénédicte WATHY
ActiveCatherine COLLARD
ActiveMarianne FOURNEAU
ActiveMarie-Christine VERMER
ActiveRoch KERSTEN
ActiveThierry LAVIS
ActiveDominique GILLARD
ActiveGeoffrey CHETTER
ActiveGhislaine LEJEUNE
ActiveGuy LEQUEUX
ActiveJean-Michel GASPART
ActiveJOELLE ENGLEBERT
ActiveMARCEL GOMAND
ActivePHILIPPE FRERE
ActiveEnded mandates
Catherine COLLARD
EndedMarianne FOURNEAU
EndedMarie-Christine VERMER
EndedRoch KERSTEN
EndedOwnership and network
Looking for more information about this company?
Try for freePublications
Belgian Official Gazette publications
Source · Belgian Official Gazette- Registered office24/07/2026SIEGE SOCIAL
- Mandates09/07/2025DEMISSIONS, NOMINATIONS
- Mandates09/07/2025DEMISSIONS, NOMINATIONS
- Mandates09/07/2025DEMISSIONS, NOMINATIONS
- Mandates18/07/2023DEMISSIONS, NOMINATIONS
- Mandates22/06/2022DEMISSIONS, NOMINATIONS
- Mandates22/06/2022DEMISSIONS, NOMINATIONS
- Mandates01/10/2021DEMISSIONS, NOMINATIONS
Similar companies
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 16/02/2028nominationBénédicte Wathy — Administrateur représentant la Région wallonne
- 2025Annual accounts 2025289 k €↓
- 13/06/2025reconductionMarcel Gomand — Président du Conseil d'administration
- 13/06/2025nominationCatherine Collard — vice-Présidente du Conseil d'administration
- 13/06/2025nominationPhilippe KNAEPEN — commissaire
- 13/06/2025nominationMartine SCHMIT — administrateur
- 13/06/2025nominationFabrice SARLET — administrateur
- 13/06/2025nominationJean-Michel GASPART — administrateur
- 13/06/2025nominationGeoffrey CHETTER — administrateur
- 13/06/2025nominationGuy LEQUEUX — administrateur
- 13/06/2025nominationGhislaine LEJEUNE — administrateur
- 13/06/2025nominationArnaud DELZANDRE — administrateur
- 13/06/2025nominationMarianne FOURNEAU — administrateur
- 13/06/2025nominationCatherine COLLARD — administrateur
- 13/06/2025nominationThierry LAVIS — administrateur
- 13/06/2025reconductionMarcel GOMAND — Président
- 2024Annual accounts 2024365,2 k €↓
- 2023Annual accounts 2023449,3 k €↑
- 2022Annual accounts 2022396,2 k €↑
- 10/06/2022nominationPhilippe KNAEPEN — commissaire
- 2021Annual accounts 2021388,9 k €↑
- 2021Name changeLa Terrienne du Crédit Social
- 2020Annual accounts 2020247,2 k €↑
- 2019Annual accounts 2019190,9 k €↑
- 2018Annual accounts 2018156,4 k €↓
- 2017Annual accounts 2017194,9 k €↑
- 2016Annual accounts 201671,8 k €↓
- 2015Annual accounts 201593,1 k €↓
- 2014Annual accounts 2014172,9 k €↑
- 2013Annual accounts 2013133,8 k €↑
- 2012Annual accounts 2012118,3 k €↑
- 2011Annual accounts 2011114 k €↑
- 2010Annual accounts 201078,5 k €↓
- 2009Annual accounts 200986,2 k €↓
- 2008Annual accounts 200888,4 k €↑
- 2007Annual accounts 200784,8 k €↑
- 2006Annual accounts 20068,2 k €
- 2006Name changeLA TERRIENNE DU LUXEMBOURG
- 19/01/2004IncorporationCooperative company with limited liability