Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 60 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Volkskrediet de Toren from Aalst, company number BE0400254167, closed financial year 2025 with a result of € 355,713 after tax. For that financial year Volkskrediet de Toren recorded revenue of € 1.5 million and equity of € 9.9 million. Compared with financial year 2024, the result moved from € 331,001 to € 355,713. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 24, 2026.
€ 9.9 million
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 355,713
▲ 7% vs 2024
Profit after tax over the fiscal year.
€ 182,050
▼ 46% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 27,813 paid out
8 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
2.9
Average over the fiscal year, from the social balance sheet.
€ 323,657
▲ 7% vs 2024
€ 111,600 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 98
▼ 91% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 50.4 million
▼ 9% vs 2024
€ 6.3 million is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 46,534
▲ 15% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,923,936 | € 1,835,339 | € 1,685,909 | € 1,545,556 | ▼ 8% |
| Profit after taxes | € 478,135 | € 344,577 | € 331,001 | € 355,713 | ▲ 7% |
| Equity | € 8,935,917 | € 9,252,681 | € 9,555,870 | € 9,883,771 | ▲ 3% |
| Total debts | € 68,623,173 | € 62,735,123 | € 56,586,544 | € 51,337,477 | ▼ 9% |
| Cash | € 758,535 | € 822,100 | € 334,929 | € 182,050 | ▼ 46% |
| Land & buildings | € 212,754 | € 203,934 | € 195,989 | € 188,425 | ▼ 4% |
| Retained profit | € 8,379,667 | € 8,696,431 | € 8,999,620 | € 9,327,521 | ▲ 4% |
| Dividend | € 27,813 | € 27,813 | € 27,813 | € 27,813 | |
| Bank debt | € 67,545,093 | € 61,737,134 | € 55,612,975 | € 50,361,258 | ▼ 9% |
| Balance sheet total | € 77,582,678 | € 72,011,392 | € 66,166,001 | € 61,244,835 | ▼ 7% |
| Employees (FTE) | 3.7 | 3.2 | 2.9 | 2.9 |
Key figures of Volkskrediet de Toren, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Volkskrediet de Toren?
What happened at Volkskrediet de Toren in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- GERT DE WINT stepped down as director. NBB
- WILFRIED VAN KERREBROECK stepped down as director. NBB
- ERIC MEERSSEMAN stepped down as director. NBB
- MARC MISSIAEN stepped down as director. NBB
- PETER BLANCKAERT stepped down as director. NBB
- FRANS VERLEYSEN stepped down as director. NBB
- PETER VAN DE MEULEBROUCKE stepped down as director. NBB
- HUGO DE WAELE stepped down as director. NBB
In short
From € 478,135 profit in 2022 to € 355,713 profit in 2025.
Paid € 90,833 in corporate taxes since 2022.
Best year ever: 2022, with € 478,135 profit.
Paid out € 111,250 in dividends to the owners in total.
A new publication or filing at Volkskrediet de Toren? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
GERT DE WINT
Director
since 2025 · until 2031
WILFRIED VAN KERREBROECK
Vice-chairman of the board
since 2024 · until 2030
since 2024 · until 2030
MARC MISSIAEN
Director
since 2024 · until 2030
since 2024 · until 2030
since 2024 · until 2030
since 2024 · until 2030
since 2024 · until 2030
Establishments
Establishment units
Physical locations of this company
Stationsstraat 18
9300 Aalst
Kerkplein 1
9900 Eeklo
Active since 4 June 2014
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0400.254.167
- VAT number
- BE 0400.254.167
- Registered office
- Stationsstraat 18, 9300 Aalst
- Names & denominations
- Volkskrediet de Toren
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1968
- Peppol
- Not registered
- Activities · NACE
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