Financials
Financial year 2025
Crédit à l'épargne immobilière from Mouscron, company number BE0401228127, closed financial year 2025 with a result of € 21,302 after tax. For that financial year Crédit à l'épargne immobilière recorded a gross margin of € 226,442 and equity of € 4.8 million. Compared with financial year 2024, the result moved from € 8,002 to € 21,302. Profitable, and profit is growing. 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 June 10, 2026.
€ 4.8 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 21,302
▲ 166% vs 2024
Profit after tax over the fiscal year.
€ 471,074
▼ 80% 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 € 3.4 million.
People and assets in 2025
2
▼ 1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 213,493
▼ 17% vs 2024
€ 106,700 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.
€ 1,283
▼ 50% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 41.5 million
▼ 8% vs 2024
€ 1.8 million is repaid this year. At this pace the long-term loan is gone in ≈ 23 years.
€ 30,138
▲ 20% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 37,656
▲ 4% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 300,584 | € 254,339 | € 256,693 | € 226,442 | ▼ 12% |
| Profit after taxes | € 50,967 | € 2,972 | € 8,002 | € 21,302 | ▲ 166% |
| Equity | € 4,777,980 | € 4,780,951 | € 4,788,954 | € 4,810,255 | |
| Total debts | € 42,501,352 | € 46,818,805 | € 45,570,610 | € 41,918,009 | ▼ 8% |
| Cash | € 1,850,470 | € 2,639,115 | € 2,347,450 | € 471,074 | ▼ 80% |
| Land & buildings | € 262,767 | € 252,921 | € 260,957 | € 252,605 | ▼ 3% |
| Retained profit | € 3,369,205 | € 3,372,177 | € 3,380,179 | € 3,401,481 | ▲ 1% |
| Bank debt | € 41,914,595 | € 45,990,627 | € 44,982,345 | € 41,491,684 | ▼ 8% |
| Balance sheet total | € 47,279,332 | € 51,599,757 | € 50,359,563 | € 46,728,264 | ▼ 7% |
| Employees (FTE) | 3.7 | 3 | 3 | 2 | ▼ 1 |
Key figures of Crédit à l'épargne immobilière, 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 Crédit à l'épargne immobilière?
What happened at Crédit à l'épargne immobilière in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Mathilde VANDORPE stepped down as director. NBB
- François MOULIGNEAU stepped down as director. NBB
- Célia VANNESTE stepped down as director. NBB
- Olivier CALLEWAERT stepped down as director. NBB
- Willy VANMARCKE stepped down as director. NBB
- Vincent BATAILLE stepped down as director. NBB
- Luc CLAUS stepped down as director. NBB
- Sophie POLLET stepped down as director. NBB
In short
From € 50,967 profit in 2022 to € 21,302 profit in 2025.
Paid € 4,927 in corporate taxes since 2022.
Best year ever: 2022, with € 50,967 profit.
On average € 113,200 of value added per employee in 2025.
A new publication or filing at Crédit à l'épargne immobilière? 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
The stake of INTERCOMMUNALE D'ETUDE ET DE GESTION comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Crédit à l'épargne immobilièreThe shares are held by INTERCOMMUNALE D'ETUDE ET DE GESTION (30.5%).
Directors
According to the 2025 annual accounts
Ronny DEVOS
Director
since 2022 · until 2025
since 2025 · until 2031
Mathilde VANDORPE
Director
Also active at: INTERCOMMUNALE D'ETUDE ET DE GESTION, Société de Logements de Mouscron, Etablissement secondaire d'Enseignement spécial @Les Trieux@, TRIEUX 2000
since 2025 · until 2031
since 2025 · until 2031
François MOULIGNEAU
Director
Also active at: INTERCOMMUNALE D'ETUDE ET DE GESTION, Société de Logements de Mouscron, Collège Technique Saint-Henri, NEOWAL, EUROLEGIS, EULEGIS
since 2025 · until 2031
Vincent BATAILLE
Director
Also active at: Union des Classes moyennes Mouscron-Comines, COLLEGE DE LA LYS, LE CLUB (DE JAZZ), GROEN COMPAGNIE VERTE, NEOWAL
since 2023 · until 2029
since 2023 · until 2029
Luc LEMAN
Director
Also active at: Centre hospitalier de Mouscron, Aide et Soins à Domicile Hainaut Picardie, AIDE ET SOINS A DOMICILE CROIX JAUNE ET BLANCHE TOURNAI-ATH-LESSINES-ENGHIEN, Aide et Soins à Domicile (A.S.D.) - Croix Jaune et Blanche (C.J.B.) de Mons-Borinage, CROIX JAUNE ET BLANCHE DE MOUSCRON-COMINES
since 2022 · until 2028
since 2022 · until 2028
Guy HOVELAQUE
Director
since 2022 · until 2028
Célia VANNESTE
Director
since 2025 · until 2031
Sophie POLLET
Director
since 2023 · until 2029
since 2022 · until 2028
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Tourcoingstraat 46
7700 Mouscron
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0401.228.127
- VAT number
- BE 0401.228.127
- Registered office
- Tourcoingstraat 46, 7700 Mouscron
- Names & denominations
- Crédit à l'épargne immobilière
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1925
- Peppol
- Active · Active since 16 Dec 2025
- Contact
- [email protected] 056/331767
- Activities · NACE
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