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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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
LE CREDIT SOCIAL ET LES PETITS PROPRIETAIRES REUNIS from Châtelet, company number BE0401609593, closed financial year 2025 with a result of € 182,970 after tax. For that financial year LE CREDIT SOCIAL ET LES PETITS PROPRIETAIRES REUNIS recorded a gross margin of € 466,395 and equity of € 4.3 million. Compared with financial year 2024, the result moved from € 141,863 to € 182,970. 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 March 30, 2026.
€ 4.3 million
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 182,970
▲ 29% vs 2024
Profit after tax over the fiscal year.
€ 3 million
▲ 86% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 22,000 paid out
12 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
4
Average over the fiscal year, from the social balance sheet.
€ 325,179
▲ 3% vs 2024
€ 81,300 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.
€ 4,918
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 50.2 million
▼ 4% vs 2024
€ 2.4 million is repaid this year. At this pace the long-term loan is gone in ≈ 21 years.
€ 20,561
▲ 4% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 57,619
▲ 1% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 637,975 | € 619,150 | € 452,433 | € 466,395 | ▲ 3% |
| Profit after taxes | € 262,198 | € 254,276 | € 141,863 | € 182,970 | ▲ 29% |
| Equity | € 3,760,028 | € 3,992,477 | € 4,112,538 | € 4,273,584 | ▲ 4% |
| Total debts | € 52,916,197 | € 54,313,723 | € 52,665,188 | € 50,421,904 | ▼ 4% |
| Cash | € 1,914,658 | € 1,649,111 | € 1,601,121 | € 2,983,170 | ▲ 86% |
| Land & buildings | € 99,115 | € 93,113 | € 87,110 | € 81,107 | ▼ 7% |
| Retained profit | € 3,435,485 | € 3,667,779 | € 3,787,647 | € 3,948,617 | ▲ 4% |
| Dividend | € 21,972 | € 21,982 | € 21,995 | € 22,000 | |
| Bank debt | € 52,438,459 | € 53,965,922 | € 52,352,590 | € 50,174,778 | ▼ 4% |
| Balance sheet total | € 56,676,225 | € 58,306,201 | € 56,777,725 | € 54,695,488 | ▼ 4% |
| Employees (FTE) | 6 | 5 | 4 | 4 |
Key figures of LE CREDIT SOCIAL ET LES PETITS PROPRIETAIRES REUNIS, 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 LE CREDIT SOCIAL ET LES PETITS PROPRIETAIRES REUNIS?
What happened at LE CREDIT SOCIAL ET LES PETITS PROPRIETAIRES REUNIS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Jean-François HENRION stepped down as director. NBB
- Alain DRUAUX stepped down as director. NBB
- Michel ROBERT stepped down as director. NBB
- Marie-Christine LAMBOT stepped down as director. NBB
- Marie-Jeanne JADOUL stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 182,970 (▲ 29% vs 2024). Source: NBB ↗
- Jean-François HENRION became a director. NBB
- Alain DRUAUX became a director. NBB
In short
From € 262,198 profit in 2022 to € 182,970 profit in 2025.
Paid € 70,988 in corporate taxes since 2022.
Best year ever: 2022, with € 262,198 profit.
On average € 116,600 of value added per employee in 2025.
A new publication or filing at LE CREDIT SOCIAL ET LES PETITS PROPRIETAIRES REUNIS? 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
Behind LE CREDIT SOCIAL ET LES PETITS PROPRIETAIRES REUNIS are Philippe DEFRISE and Laurence GILLARD.
Directors
According to the 2025 annual accounts
Philippe DEFRISE
Administrateur Régional
since 2023
Laurence GILLARD
Directrice-Gérante
since 2017
Marie-Christine LAMBOT
Director
since 2021 · until 2027
Michel ROBERT
Director
since 2022 · until 2028
Jean-François HENRION
Director
since 2025 · until 2031
Alain DRUAUX
Director
since 2025 · until 2031
Marie-Jeanne JADOUL
Managing director
since 2021 · until 2027
Establishments
Establishment units
Physical locations of this company
Grand-Rue 89
6200 Châtelet
Rue de Gosselies(TR) 5A
6183 Courcelles
Active since 25 February 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0401.609.593
- VAT number
- BE 0401.609.593
- Registered office
- Grand-Rue 89, 6200 Châtelet
- Names & denominations
- LE CREDIT SOCIAL ET LES PETITS PROPRIETAIRES REUNIS
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1896
- Peppol
- Not registered
- Activities · NACE
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