Financials
Financial year 2025
SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT from Ath, company number BE0401122615, closed financial year 2025 with a result of € 44,240 after tax. For that financial year SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT recorded revenue of € 2.7 million and equity of € 6 million. Compared with financial year 2024, the result moved from € 94,908 to € 44,240. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 13, 2026.
€ 6 million
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 44,240
▼ 53% vs 2024
Profit after tax over the fiscal year.
€ 5 million
▲ 72% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 5.5 million.
People and assets in 2025
5.8
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 465,121
▲ 3% vs 2024
€ 80,200 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.
€ 8,818
▲ 8% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 90.7 million
▲ 6% vs 2024
€ 4.1 million is repaid this year. At this pace the long-term loan is gone in ≈ 22 years.
€ 18,433
▼ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 3 days on average.
€ 67,260
▲ 9% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 2,841,830 | € 2,711,742 | € 2,571,352 | € 2,745,815 | ▲ 7% |
| Profit after taxes | € 213,457 | € 255,075 | € 94,908 | € 44,240 | ▼ 53% |
| Equity | € 5,647,138 | € 5,902,214 | € 5,997,121 | € 6,041,733 | ▲ 1% |
| Total debts | € 86,533,985 | € 80,527,610 | € 86,497,863 | € 92,408,234 | ▲ 7% |
| Cash | € 2,540,757 | € 2,759,239 | € 2,880,750 | € 4,968,651 | ▲ 72% |
| Land & buildings | € 378,279 | € 370,305 | € 362,331 | € 354,357 | ▼ 2% |
| Retained profit | € 5,093,518 | € 5,348,594 | € 5,443,501 | € 5,487,742 | ▲ 1% |
| Bank debt | € 86,338,755 | € 80,264,353 | € 85,337,435 | € 90,710,068 | ▲ 6% |
| Balance sheet total | € 92,197,630 | € 86,446,081 | € 92,510,991 | € 98,465,723 | ▲ 6% |
| Employees (FTE) | 4.8 | 6.3 | 5.7 | 5.8 | ▲ 0.1 |
Key figures of SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT, 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 SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT?
What happened at SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Lucette RAVEZ stepped down as director. NBB
- Patrice BOUGEGNIES stepped down as director. NBB
- Antonietta CARLUCCI stepped down as director. NBB
- Jean-Marie GENBAUFFE stepped down as director. NBB
- Catherine PONCIN stepped down as director. NBB
- Annette CORNELIS stepped down as director. NBB
- Jean-Christophe DESSILY stepped down as director. NBB
- Christian BROTCORNE stepped down as director. NBB
In short
From € 213,457 profit in 2022 to € 44,240 profit in 2025.
Paid € 35,303 in corporate taxes since 2022.
Best year ever: 2023, with € 255,075 profit.
Pays suppliers within 3 days on average.
A new publication or filing at SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT? 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
It owns 1.2% of ASSOCIATION INFORMATIQUE POUR LA GESTION DE LOGEMENTS itself.
Directors
According to the 2025 annual accounts
since 2025 · until 2031
Patrice BOUGEGNIES
Director
since 2025 · until 2031
Antonietta CARLUCCI
Director
since 2025 · until 2031
Jean-Marie GENBAUFFE
Director
Also active at: Le Lys Rouge, Maison de la Solidarité de Mons Wallonie Picarde, Les Heures Heureuses, Centres de Planning Familial Soralia Mons-Wallonie picarde, Soralia Wallonie picarde, Déclic Emploi - Centre d'Insertion socio-professionnelle Soralia de Mons -Wallonie picarde, POINT DE MIRE MONS-WALLONIE PICARDE - RESEAU SOLIDARIS, ENFANCE SOLIDARIS +1 more
since 2025 · until 2031
Catherine PONCIN
Director
Also active at: MAISON DU TOURISME DE LA REGION DE MONS, Commission de Gestion du Parc naturel des Hauts-Pays
since 2025 · until 2031
Annette CORNELIS
Director
since 2025 · until 2031
since 2025 · until 2031
Christian BROTCORNE
Director
Also active at: AGENCE INTERCOMMUNALE DE DEVELOPPEMENT ECONOMIQUE DES ARRONDISSEMENTS DE TOURNAI, ATH ET DES COMMUNES AVOISINANTES, Régie communale autonome de Leuze-en-Hainaut
since 2025 · until 2031
Director · represented by Gilles DOUTRELEPONT
Also active at: Solidarité Etudiants du Monde, Service social des Solidarités, SOFICATRA, DATASSUR, COOPERATIVE D'ETUDES, DE GESTION ET DE PARTICIPATION, AQUALIS, First Retail International 2, DeeCide +3 more
since 2025 · until 2031
Albert DUTILLEUL
Director
Also active at: Les Heures Heureuses, POINT DE MIRE MONS-WALLONIE PICARDE - RESEAU SOLIDARIS, LES HABITATIONS PROTEGEES DU HAINAUT : Le Relais
since 2025 · until 2031
Ingrid ROUCLOUX
Director
since 2023 · until 2028
since 2025 · until 2031
since 2026 · until 2031
Establishments
Establishment units
Physical locations of this company
Rue Defacqz 17
7800 Ath
Grand'Place S/N
7800 Ath
Active since 22 December 2005
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0401.122.615
- VAT number
- BE 0401.122.615
- Registered office
- Rue Defacqz 17, 7800 Ath
- Names & denominations
- SOCIETE TERRIENNE DE CREDIT SOCIAL DU HAINAUT · S.T.C.S.H.
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 4 November 1937
- Peppol
- Active · Active since 31 Oct 2025
- Activities · NACE
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