What does CREDIALYS do?

CREDIALYS is a credit provider in Huy. Public Limited, started on 22 December 1948, 1 establishment.

What is the address of CREDIALYS?

The registered office of CREDIALYS is located at Rue d'Amérique 26/1, 4500 Huy.

Is CREDIALYS still active?

Yes. According to the CBE (29 October 2026) CREDIALYS is active, legal situation “Normale toestand”, started on 22 December 1948.

Is CREDIALYS registered on Peppol?

No, CREDIALYS is currently not registered on the Peppol network.

What is the enterprise number of CREDIALYS?

The enterprise number of CREDIALYS is BE0401465578.

When was CREDIALYS founded?

CREDIALYS was founded on 22 December 1948.

Is CREDIALYS a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 22 December 1948; 5 annual accounts filed, latest fiscal year 2025; 14 directors known from the annual account.

How much profit did CREDIALYS make in 2025?

CREDIALYS posted a profit after taxes of € 27,702 in financial year 2025.

What is the revenue of CREDIALYS?

In its most recent annual accounts (2025), CREDIALYS reported revenue of € 1,405,058.

How much does an employee at CREDIALYS earn?

The average wage cost per full-time employee at CREDIALYS was € 60,200 in 2025: staff costs of € 222,594 for 3.7 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does CREDIALYS have?

According to the 2025 annual accounts, CREDIALYS has 3.7 full-time equivalents (FTE).

CREDIALYS (Public Limited) - Huy - BE0401465578

Q: Who are the directors of CREDIALYS?

According to the 2025 annual accounts, the directors of CREDIALYS are: Paul Ernoux, Martin Jamar, Anne Ferir, Jean Claude Peeters, Guillaume Hellemans, Léon Campstein, Julien André, Frédéric Vandelli.

Dossier CREDIALYS, printed on 29 October 2026 from databakkes.be/en/0401465578/credialys. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Shrinking team NBB

FTE fell two years in a row, from 6 to 3.7.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

CREDIALYS from Huy, company number BE0401465578, closed financial year 2025 with a result of € 27,702 after tax. For that financial year CREDIALYS recorded revenue of € 1.4 million and equity of € 4 million. Compared with financial year 2024, the result moved from € -73,658 to € 27,702. 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 July 24, 2026.

What it is worth Growing

€ 4 million

▲ 1% vs 2024

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

Profit Growing

€ 27,702

▲ still € 73,658 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 1.5 million

▲ 35% 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 € 3.8 million.

People and assets in 2025

Full-time equivalents

3.7

▼ 0.9 vs 2024

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

Wage cost

€ 222,594

▼ 39% vs 2024

€ 60,200 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.

Vehicles and equipment

€ 3,469

▼ 51% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 18 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.

€ 46.9 million

▼ 7% vs 2024

€ 2.6 million is repaid this year. At this pace the long-term loan is gone in ≈ 18 years.

Owed to suppliers

€ 27,164

▲ 134% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Wages and social charges

€ 34,895

▲ 18% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Revenue	-	-	-	€ 1,405,058 Revenue 2025: € 1,405,058 First fiscal year in the series
Gross margin	€ 402,387 Gross margin 2022: € 402,387 First fiscal year in the series	€ 385,817 Gross margin 2023: € 385,817 ▼ 4% vs 2022 (€ 402,387) Unfavourable step	€ 301,999 Gross margin 2024: € 301,999 ▼ 22% vs 2023 (€ 385,817) Unfavourable step	€ 270,068 Gross margin 2025: € 270,068 ▼ 11% vs 2024 (€ 301,999) Unfavourable step	▼ 11%
Profit after taxes	€ 75,230 Profit after taxes 2022: € 75,230 First fiscal year in the series	€ -447,617 Profit after taxes 2023: € -447,617 ▼ € 522,846 vs 2022 (€ 75,230) Unfavourable step	€ -73,658 Profit after taxes 2024: € -73,658 ▲ € 373,959 vs 2023 (€ -447,617) Favourable step	€ 27,702 Profit after taxes 2025: € 27,702 ▲ € 101,360 vs 2024 (€ -73,658) Favourable step	▲ € 101,360
Equity	€ 4,457,683 Equity 2022: € 4,457,683 First fiscal year in the series	€ 4,010,066 Equity 2023: € 4,010,066 ▼ 10% vs 2022 (€ 4,457,683) Unfavourable step	€ 3,936,408 Equity 2024: € 3,936,408 ▼ 2% vs 2023 (€ 4,010,066) Unfavourable step	€ 3,964,110 Equity 2025: € 3,964,110 ▲ 1% vs 2024 (€ 3,936,408) Favourable step	▲ 1%
Total debts	€ 54,794,047 Total debts 2022: € 54,794,047 First fiscal year in the series	€ 53,663,757 Total debts 2023: € 53,663,757 ▼ 2% vs 2022 (€ 54,794,047) Favourable step	€ 50,683,809 Total debts 2024: € 50,683,809 ▼ 6% vs 2023 (€ 53,663,757) Favourable step	€ 47,143,164 Total debts 2025: € 47,143,164 ▼ 7% vs 2024 (€ 50,683,809) Favourable step	▼ 7%
Cash	€ 2,426,425 Cash 2022: € 2,426,425 First fiscal year in the series	€ 1,565,302 Cash 2023: € 1,565,302 ▼ 35% vs 2022 (€ 2,426,425) Unfavourable step	€ 1,094,786 Cash 2024: € 1,094,786 ▼ 30% vs 2023 (€ 1,565,302) Unfavourable step	€ 1,477,824 Cash 2025: € 1,477,824 ▲ 35% vs 2024 (€ 1,094,786) Favourable step	▲ 35%
Land & buildings	€ 247,590 Land & buildings 2022: € 247,590 First fiscal year in the series	€ 235,894 Land & buildings 2023: € 235,894 ▼ 5% vs 2022 (€ 247,590) Unchanged	€ 224,199 Land & buildings 2024: € 224,199 ▼ 5% vs 2023 (€ 235,894) Unchanged	€ 28,756 Land & buildings 2025: € 28,756 ▼ 87% vs 2024 (€ 224,199) Unchanged	▼ 87%
Retained profit	€ 4,259,449 Retained profit 2022: € 4,259,449 First fiscal year in the series	€ 3,811,832 Retained profit 2023: € 3,811,832 ▼ 11% vs 2022 (€ 4,259,449) Unfavourable step	€ 3,738,174 Retained profit 2024: € 3,738,174 ▼ 2% vs 2023 (€ 3,811,832) Unfavourable step	€ 3,765,876 Retained profit 2025: € 3,765,876 ▲ 1% vs 2024 (€ 3,738,174) Favourable step	▲ 1%
Bank debt	€ 54,345,937 Bank debt 2022: € 54,345,937 First fiscal year in the series	€ 53,143,851 Bank debt 2023: € 53,143,851 ▼ 2% vs 2022 (€ 54,345,937) Favourable step	€ 50,364,636 Bank debt 2024: € 50,364,636 ▼ 5% vs 2023 (€ 53,143,851) Favourable step	€ 46,894,089 Bank debt 2025: € 46,894,089 ▼ 7% vs 2024 (€ 50,364,636) Favourable step	▼ 7%
Balance sheet total	€ 59,251,730 Balance sheet total 2022: € 59,251,730 First fiscal year in the series	€ 57,673,823 Balance sheet total 2023: € 57,673,823 ▼ 3% vs 2022 (€ 59,251,730) Unchanged	€ 54,620,216 Balance sheet total 2024: € 54,620,216 ▼ 5% vs 2023 (€ 57,673,823) Unchanged	€ 51,107,274 Balance sheet total 2025: € 51,107,274 ▼ 6% vs 2024 (€ 54,620,216) Unchanged	▼ 6%
Employees (FTE)	5 Employees (FTE) 2022: 5 First fiscal year in the series	6 Employees (FTE) 2023: 6 ▲ 1 vs 2022 (5) Unchanged	4.6 Employees (FTE) 2024: 4.6 ▼ 1.4 vs 2023 (6) Unchanged	3.7 Employees (FTE) 2025: 3.7 ▼ 0.9 vs 2024 (4.6) Unchanged	▼ 0.9

Key figures of CREDIALYS, 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 CREDIALYS?

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

Jul 24, 2026 New annual accounts for financial year 2025: profit of € 27,702. Source: NBB ↗
2025 Dominique Brugmans stepped down as director. NBB
2025 Paul Ernoux became a director. NBB
2025 Martin Jamar became a director. NBB
2025 Anne Ferir became a director. NBB
2025 Jean Claude Peeters became a director. NBB
2025 Guillaume Hellemans became a director. NBB
2025 Léon Campstein became a director. NBB

In short

From € 75,230 profit in 2022 to € 27,702 profit in 2025.

Paid € 6,391 in corporate taxes since 2022.

Best year ever: 2022, with € 75,230 profit.

On average € 73,000 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Paul Ernoux Martin Jamar Anne Ferir Jean Claude Peeters +9

CREDIALYS

La Mézon (Maison des Jeunes communale)

LE CHATEAU VERT

Contrat de Rivière de la Meuse Aval et affluents

Behind CREDIALYS are Paul Ernoux, Martin Jamar, Anne Ferir, Jean Claude Peeters, Guillaume Hellemans and Léon Campstein. Anne Ferir is also behind La Mézon (Maison des Jeunes communale), LE CHATEAU VERT and Contrat de Rivière de la Meuse Aval et affluents.

Directors

According to the 2025 annual accounts

Paul Ernoux

Director

since 2025

Martin Jamar

Vice-chairman of the board

since 2025

Anne Ferir

Director

Also active at: La Mézon (Maison des Jeunes communale), LE CHATEAU VERT, Contrat de Rivière de la Meuse Aval et affluents

since 2025

Jean Claude Peeters

Chairman of the board

since 2025

Guillaume Hellemans

Director

Also active at: LE CHATEAU VERT

since 2025

Léon Campstein

Director

Also active at: Régie Immobilière Autonome de Herstal

since 2025

Julien André

Vice-chairman of the board

since 2025

Frédéric Vandelli

Director

Also active at: Agilis - location immobilière solidaire, Agilis - Gestion Immobilière

since 2025

Frédéric Jacquemin

Director

since 2025

Sandra Belhocine

Director

Also active at: Compagnie Intercommunale Liégeoise des Eaux, Agilis - location immobilière solidaire

since 2025

Georges Beaujean

Director

Also active at: ACTIMED-RESEAU SOLIDARIS, PHARMA SANTE - RESEAU SOLIDARIS

since 2025

Claude Parmentier

Managing director

Also active at: Esenca-Province de Liège-Réseau Solidaris, Centre d'Orientation et de Formation, Agence locale pour l'Emploi de Wanze

since 2025

Samuel Kinable

Director

Also active at: La Mézon (Maison des Jeunes communale)

since 2025

Dominique Brugmans

Director

since 2025 · until 2025

Establishments

Establishment units

Physical locations of this company

Registered office

Rue d'Amérique 26/1

4500 Huy

2.004.403.842

Rue d'Amérique 26 box 1

4500 Huy

Active since 1 December 1948

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

Details

Company number

0401.465.578

VAT number

BE 0401.465.578

Registered office

Rue d'Amérique 26/1, 4500 Huy

Names & denominations

CREDIALYS · O.C.L.

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

22 December 1948

Peppol

Not registered

Activities · NACE

Verstrekken van hypothecair krediet

Overige kredietverstrekking

View on CBE Public ↗ Annual accounts (NBB) ↗

CREDIALYS

Warning lights

Financials

What happened to CREDIALYS?

Management

Directors

Establishments

Establishment units

Details

Frequently asked questions