What does COFIDIS do?

COFIDIS is a credit provider in Tournai. Public Limited, started on 6 June 1967, 1 establishment.

What is the address of COFIDIS?

The registered office of COFIDIS is located at Chaussée de Lille(OR) 422 box a, 7501 Tournai.

Is COFIDIS still active?

Yes. According to the CBE (29 October 2026) COFIDIS is active, legal situation “Normale toestand”, started on 6 June 1967.

Is COFIDIS registered on Peppol?

Yes, COFIDIS is registered on the Peppol network with ID 0208:0400359283.

What is the enterprise number of COFIDIS?

The enterprise number of COFIDIS is BE0400359283.

When was COFIDIS founded?

COFIDIS was founded on 6 June 1967.

Who are the directors of COFIDIS?

According to the 2025 annual accounts, the directors of COFIDIS are: Gilles Sauret, Olivier Kling, Vincent Laurin.

Is COFIDIS a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 6 June 1967; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did COFIDIS make in 2025?

COFIDIS posted a profit after taxes of € 28,330,314 in financial year 2025.

What is the revenue of COFIDIS?

In its most recent annual accounts (2025), COFIDIS reported revenue of € 35,534,446.

How much does an employee at COFIDIS earn?

The average wage cost per full-time employee at COFIDIS was € 83,400 in 2025: staff costs of € 36.1 million for 433.4 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does COFIDIS have?

According to the 2025 annual accounts, COFIDIS has 433.4 full-time equivalents (FTE).

Does COFIDIS have a website?

Yes, COFIDIS has a website at cofidis.be.

COFIDIS (Public Limited) - Tournai - BE0400359283

Dossier COFIDIS, printed on 29 October 2026 from databakkes.be/en/0400359283/cofidis. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

COFIDIS from Tournai, company number BE0400359283, closed financial year 2025 with a result of € 28.3 million after tax. For that financial year COFIDIS recorded revenue of € 35.5 million and equity of € 858.7 million. Compared with financial year 2024, the result moved from € 29.1 million to € 28.3 million. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 1, 2026.

What it is worth Growing

€ 858.7 million

▲ 3% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 28.3 million

▼ 3% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 16.4 million

▼ 53% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 398.8 million.

People and assets in 2025

Full-time equivalents

433.4

▲ 33.3 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost Staff costs are payroll only. Director pay sits with services and miscellaneous goods: € 53.1 million in 2025, together with rent, insurance, accountants and other services. The accounts do not split that further.

€ 36.1 million

▲ 11% vs 2024

€ 83,400 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.

Vehicles and equipment

€ 234,097

▼ 7% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 3 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 766.2 million

▲ 15% vs 2024

€ 194.2 million is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 12.5 million

▼ 10% vs 2024

Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 86 days on average.

Taxes and wages

€ 12.3 million

▲ 26% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Revenue	€ 26,352,962 Revenue 2022: € 26,352,962 First fiscal year in the series	€ 29,538,102 Revenue 2023: € 29,538,102 ▲ 12% vs 2022 (€ 26,352,962) Favourable step	€ 32,091,703 Revenue 2024: € 32,091,703 ▲ 9% vs 2023 (€ 29,538,102) Favourable step	€ 35,534,446 Revenue 2025: € 35,534,446 ▲ 11% vs 2024 (€ 32,091,703) Favourable step	▲ 11%
Profit after taxes	€ 15,154,465 Profit after taxes 2022: € 15,154,465 First fiscal year in the series	€ 24,336,791 Profit after taxes 2023: € 24,336,791 ▲ 61% vs 2022 (€ 15,154,465) Favourable step	€ 29,074,298 Profit after taxes 2024: € 29,074,298 ▲ 19% vs 2023 (€ 24,336,791) Favourable step	€ 28,330,314 Profit after taxes 2025: € 28,330,314 ▼ 3% vs 2024 (€ 29,074,298) Unfavourable step	▼ 3%
Equity	€ 776,981,808 Equity 2022: € 776,981,808 First fiscal year in the series	€ 801,318,599 Equity 2023: € 801,318,599 ▲ 3% vs 2022 (€ 776,981,808) Favourable step	€ 830,392,897 Equity 2024: € 830,392,897 ▲ 4% vs 2023 (€ 801,318,599) Favourable step	€ 858,744,549 Equity 2025: € 858,744,549 ▲ 3% vs 2024 (€ 830,392,897) Favourable step	▲ 3%
Total debts	€ 379,359,952 Total debts 2022: € 379,359,952 First fiscal year in the series	€ 530,758,479 Total debts 2023: € 530,758,479 ▲ 40% vs 2022 (€ 379,359,952) Unfavourable step	€ 704,015,222 Total debts 2024: € 704,015,222 ▲ 33% vs 2023 (€ 530,758,479) Unfavourable step	€ 802,470,640 Total debts 2025: € 802,470,640 ▲ 14% vs 2024 (€ 704,015,222) Unfavourable step	▲ 14%
Cash	€ 9,559,548 Cash 2022: € 9,559,548 First fiscal year in the series	€ 10,235,471 Cash 2023: € 10,235,471 ▲ 7% vs 2022 (€ 9,559,548) Favourable step	€ 34,514,970 Cash 2024: € 34,514,970 ▲ 237% vs 2023 (€ 10,235,471) Favourable step	€ 16,368,791 Cash 2025: € 16,368,791 ▼ 53% vs 2024 (€ 34,514,970) Unfavourable step	▼ 53%
Land & buildings	€ 13,810,427 Land & buildings 2022: € 13,810,427 First fiscal year in the series	€ 13,112,780 Land & buildings 2023: € 13,112,780 ▼ 5% vs 2022 (€ 13,810,427) Unchanged	€ 12,414,707 Land & buildings 2024: € 12,414,707 ▼ 5% vs 2023 (€ 13,112,780) Unchanged	€ 12,343,131 Land & buildings 2025: € 12,343,131 ▼ 1% vs 2024 (€ 12,414,707) Unchanged	▼ 1%
Retained profit	€ 316,991,808 Retained profit 2022: € 316,991,808 First fiscal year in the series	€ 341,328,599 Retained profit 2023: € 341,328,599 ▲ 8% vs 2022 (€ 316,991,808) Favourable step	€ 370,402,897 Retained profit 2024: € 370,402,897 ▲ 9% vs 2023 (€ 341,328,599) Favourable step	€ 398,754,549 Retained profit 2025: € 398,754,549 ▲ 8% vs 2024 (€ 370,402,897) Favourable step	▲ 8%
Bank debt	€ 350,000,000 Bank debt 2022: € 350,000,000 First fiscal year in the series	€ 498,000,000 Bank debt 2023: € 498,000,000 ▲ 42% vs 2022 (€ 350,000,000) Unfavourable step	€ 669,000,000 Bank debt 2024: € 669,000,000 ▲ 34% vs 2023 (€ 498,000,000) Unfavourable step	€ 766,156,989 Bank debt 2025: € 766,156,989 ▲ 15% vs 2024 (€ 669,000,000) Unfavourable step	▲ 15%
Balance sheet total	€ 1,158,378,595 Balance sheet total 2022: € 1,158,378,595 First fiscal year in the series	€ 1,333,759,828 Balance sheet total 2023: € 1,333,759,828 ▲ 15% vs 2022 (€ 1,158,378,595) Unchanged	€ 1,535,982,888 Balance sheet total 2024: € 1,535,982,888 ▲ 15% vs 2023 (€ 1,333,759,828) Unchanged	€ 1,662,492,845 Balance sheet total 2025: € 1,662,492,845 ▲ 8% vs 2024 (€ 1,535,982,888) Unchanged	▲ 8%
Employees (FTE)	388.8 Employees (FTE) 2022: 388.8 First fiscal year in the series	395.2 Employees (FTE) 2023: 395.2 ▲ 6.4 vs 2022 (388.8) Unchanged	400.1 Employees (FTE) 2024: 400.1 ▲ 4.9 vs 2023 (395.2) Unchanged	433.4 Employees (FTE) 2025: 433.4 ▲ 33.3 vs 2024 (400.1) Unchanged	▲ 33.3

Key figures of COFIDIS, 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 COFIDIS?

What happened at COFIDIS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2029 Gilles Sauret stepped down as director. NBB
2029 Olivier Kling stepped down as director. NBB
2029 Vincent Laurin stepped down as director. NBB
Jun 1, 2026 New annual accounts for financial year 2025: profit of € 28.3 million (▼ 3% vs 2024). Source: NBB ↗
2023 Olivier Kling became a director. NBB
2023 Gilles Sauret became a director. NBB
2023 Vincent Laurin became a director. NBB
Mar 1, 1986 New establishment in Tournai. KBO

In short

From € 15.2 million profit in 2022 to € 28.3 million profit in 2025.

Paid € 32.7 million in corporate taxes since 2022.

Best year ever: 2024, with € 29.1 million profit.

Pays suppliers within 86 days on average.

Original PDFs at the National Bank ↗

Management

Directors

According to the 2025 annual accounts

Gilles Sauret

Director

since 2023 · until 2029

Olivier Kling

Managing director

since 2023 · until 2029

Vincent Laurin

Director

since 2023 · until 2029

Establishments

Establishment units

Physical locations of this company

Registered office

Chaussée de Lille(OR) 422 box a

7501 Tournai

2.019.243.555

Chaussée de Lille(OR) 422 box A

7501 Tournai

Active since 1 March 1986

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 →

Zone de Secours Wallonie Picarde

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Website

HTTPS cofidis.be

Technologies

AngularCommanders Act

Hosting & Email

Email provider

Self-hosted

Hosting

EURO-INFORMATION, FR

Website info

HTTPS Ja

Languages FR

Features

Security

✓ HTTPS

✗ SPF

✓ DMARC

Details

Company number

0400.359.283

VAT number

BE 0400.359.283

Registered office

Chaussée de Lille(OR) 422 bus a, 7501 Tournai

Names & denominations

COFIDIS · Alfigen

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

6 June 1967

Peppol

Active · Active since 21 Jan 2026

Contact

cofidis.be

Activities · NACE

Verstrekken van verbruikskrediet

Verbruikskrediet

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

COFIDIS

Financials

What happened to COFIDIS?

Management

Directors

Establishments

Establishment units

Who else lives here?

Website

Technologies

Hosting & Email

Website info

Features

Security

Details

Frequently asked questions