What does BUILDING do?

BUILDING is a credit provider in Charleroi. Public Limited, started on 21 April 1929, 1 establishment.

What is the address of BUILDING?

The registered office of BUILDING is located at Chaussée de Bruxelles 122, 6040 Charleroi.

Is BUILDING still active?

Yes. According to the CBE (29 October 2026) BUILDING is active, legal situation “Normale toestand”, started on 21 April 1929.

Is BUILDING registered on Peppol?

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

What is the enterprise number of BUILDING?

The enterprise number of BUILDING is BE0401632260.

When was BUILDING founded?

BUILDING was founded on 21 April 1929.

Who are the directors of BUILDING?

According to the 2025 annual accounts, the directors of BUILDING are: Amina BOUKAFTANE, Pierre THIRY, Françoise SAUVEGARDE, Bauduin GUEUR, Francis BRANCART, Pierre MÉVISSE, Luc TOUSSAINT, Annie LUSIAUX.

Is BUILDING a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 21 April 1929; 4 annual accounts filed, latest fiscal year 2025; 9 directors known from the annual account.

How much profit did BUILDING make in 2025?

BUILDING posted a profit after taxes of € 155,816 in financial year 2025.

What is the revenue of BUILDING?

In its most recent annual accounts (2025), BUILDING reported revenue of € 1,659,765.

How much does an employee at BUILDING earn?

The average wage cost per full-time employee at BUILDING was € 93,200 in 2025: staff costs of € 279,499 for 3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does BUILDING have?

According to the 2025 annual accounts, BUILDING has 3 full-time equivalents (FTE).

BUILDING (Public Limited) - Charleroi - BE0401632260

Dossier BUILDING, printed on 29 October 2026 from databakkes.be/en/0401632260/building. 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.

Not on Peppol Peppol

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

Financials

Financial year 2025

BUILDING from Charleroi, company number BE0401632260, closed financial year 2025 with a result of € 155,816 after tax. For that financial year BUILDING recorded revenue of € 1.7 million and equity of € 7.1 million. Compared with financial year 2024, the result moved from € 185,318 to € 155,816. 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 March 11, 2026.

What it is worth Growing

€ 7.1 million

▲ 1% vs 2024

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

Profit Healthy

€ 155,816

▼ 16% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 2.9 million

▲ 17% vs 2024

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

Where the profit goes Pays out

€ 75,293 paid out

48 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

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: € 142,676 in 2025, together with rent, insurance, accountants and other services. The accounts do not split that further.

€ 279,499

▼ 3% vs 2024

€ 93,200 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

€ 5,513

▲ 77% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 22 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.

€ 69.2 million

▲ 1% vs 2024

€ 3.2 million is repaid this year. At this pace the long-term loan is gone in ≈ 22 years.

Owed to suppliers

€ 13,828

▲ 3% vs 2024

Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 4 days on average.

Taxes and wages

€ 57,418

▼ 18% 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	€ 1,110,695 Revenue 2022: € 1,110,695 First fiscal year in the series	€ 1,723,742 Revenue 2023: € 1,723,742 ▲ 55% vs 2022 (€ 1,110,695) Favourable step	€ 1,652,116 Revenue 2024: € 1,652,116 ▼ 4% vs 2023 (€ 1,723,742) Unfavourable step	€ 1,659,765 Revenue 2025: € 1,659,765 Unchanged (€ 1,652,116) Favourable step
Profit after taxes	€ 282,831 Profit after taxes 2022: € 282,831 First fiscal year in the series	€ 77,211 Profit after taxes 2023: € 77,211 ▼ 73% vs 2022 (€ 282,831) Unfavourable step	€ 185,318 Profit after taxes 2024: € 185,318 ▲ 140% vs 2023 (€ 77,211) Favourable step	€ 155,816 Profit after taxes 2025: € 155,816 ▼ 16% vs 2024 (€ 185,318) Unfavourable step	▼ 16%
Equity	€ 2,820,080 Equity 2022: € 2,820,080 First fiscal year in the series	€ 6,887,585 Equity 2023: € 6,887,585 ▲ 144% vs 2022 (€ 2,820,080) Favourable step	€ 6,997,610 Equity 2024: € 6,997,610 ▲ 2% vs 2023 (€ 6,887,585) Favourable step	€ 7,078,133 Equity 2025: € 7,078,133 ▲ 1% vs 2024 (€ 6,997,610) Favourable step	▲ 1%
Total debts	€ 50,373,987 Total debts 2022: € 50,373,987 First fiscal year in the series	€ 71,922,354 Total debts 2023: € 71,922,354 ▲ 43% vs 2022 (€ 50,373,987) Unfavourable step	€ 69,562,521 Total debts 2024: € 69,562,521 ▼ 3% vs 2023 (€ 71,922,354) Favourable step	€ 70,418,371 Total debts 2025: € 70,418,371 ▲ 1% vs 2024 (€ 69,562,521) Unfavourable step	▲ 1%
Cash	€ 1,491,726 Cash 2022: € 1,491,726 First fiscal year in the series	€ 3,133,290 Cash 2023: € 3,133,290 ▲ 110% vs 2022 (€ 1,491,726) Favourable step	€ 2,508,261 Cash 2024: € 2,508,261 ▼ 20% vs 2023 (€ 3,133,290) Unfavourable step	€ 2,946,923 Cash 2025: € 2,946,923 ▲ 17% vs 2024 (€ 2,508,261) Favourable step	▲ 17%
Land & buildings	€ 30,921 Land & buildings 2022: € 30,921 First fiscal year in the series	€ 46,256 Land & buildings 2023: € 46,256 ▲ 50% vs 2022 (€ 30,921) Unchanged	€ 43,760 Land & buildings 2024: € 43,760 ▼ 5% vs 2023 (€ 46,256) Unchanged	€ 37,928 Land & buildings 2025: € 37,928 ▼ 13% vs 2024 (€ 43,760) Unchanged	▼ 13%
Retained profit	€ 1,982,063 Retained profit 2022: € 1,982,063 First fiscal year in the series	€ 5,613,320 Retained profit 2023: € 5,613,320 ▲ 183% vs 2022 (€ 1,982,063) Favourable step	€ 5,779,121 Retained profit 2024: € 5,779,121 ▲ 3% vs 2023 (€ 5,613,320) Favourable step	€ 5,861,875 Retained profit 2025: € 5,861,875 ▲ 1% vs 2024 (€ 5,779,121) Favourable step	▲ 1%
Dividend	€ 54,546 Dividend 2022: € 54,546 First fiscal year in the series	€ 57,143 Dividend 2023: € 57,143 ▲ 5% vs 2022 (€ 54,546) Unchanged	€ 75,293 Dividend 2024: € 75,293 ▲ 32% vs 2023 (€ 57,143) Unchanged	€ 75,293 Dividend 2025: € 75,293 Unchanged (€ 75,293) Unchanged
Bank debt	€ 49,462,635 Bank debt 2022: € 49,462,635 First fiscal year in the series	€ 70,861,043 Bank debt 2023: € 70,861,043 ▲ 43% vs 2022 (€ 49,462,635) Unfavourable step	€ 68,561,960 Bank debt 2024: € 68,561,960 ▼ 3% vs 2023 (€ 70,861,043) Favourable step	€ 69,213,330 Bank debt 2025: € 69,213,330 ▲ 1% vs 2024 (€ 68,561,960) Unfavourable step	▲ 1%
Balance sheet total	€ 53,194,067 Balance sheet total 2022: € 53,194,067 First fiscal year in the series	€ 78,809,939 Balance sheet total 2023: € 78,809,939 ▲ 48% vs 2022 (€ 53,194,067) Unchanged	€ 76,560,131 Balance sheet total 2024: € 76,560,131 ▼ 3% vs 2023 (€ 78,809,939) Unchanged	€ 77,496,504 Balance sheet total 2025: € 77,496,504 ▲ 1% vs 2024 (€ 76,560,131) Unchanged	▲ 1%
Employees (FTE)	2 Employees (FTE) 2022: 2 First fiscal year in the series	3 Employees (FTE) 2023: 3 ▲ 1 vs 2022 (2) Unchanged	3 Employees (FTE) 2024: 3 Unchanged (3) Unchanged	3 Employees (FTE) 2025: 3 Unchanged (3) Unchanged

Key figures of BUILDING, 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 BUILDING?

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

2031 Françoise SAUVEGARDE stepped down as director. NBB
2031 Annie LUSIAUX stepped down as director. NBB
2029 Pierre THIRY stepped down as director. NBB
2029 Bauduin GUEUR stepped down as director. NBB
2029 Francis BRANCART stepped down as director. NBB
2029 Pierre MÉVISSE stepped down as director. NBB
2029 Luc TOUSSAINT stepped down as director. NBB
2029 Michel NOERENS stepped down as director. NBB

In short

From € 282,831 profit in 2022 to € 155,816 profit in 2025.

Paid € 83,050 in corporate taxes since 2022.

Best year ever: 2022, with € 282,831 profit.

Paid out € 262,275 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Directors

According to the 2025 annual accounts

Amina BOUKAFTANE

Government commissioner

since 2023 · until 2028

Pierre THIRY

Director

since 2023 · until 2029

Françoise SAUVEGARDE

Chairman of the board

since 2025 · until 2031

Bauduin GUEUR

Director

since 2023 · until 2029

Francis BRANCART

Director

since 2023 · until 2029

Pierre MÉVISSE

Director

since 2023 · until 2029

Luc TOUSSAINT

Director

since 2023 · until 2029

Annie LUSIAUX

Director

since 2025 · until 2031

Michel NOERENS

Director

since 2023 · until 2029

Establishments

Establishment units

Physical locations of this company

Registered office

Chaussée de Bruxelles 122

6040 Charleroi

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 →

Crédit Ouvrier de Jumet Roux

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

Details

Company number

0401.632.260

VAT number

BE 0401.632.260

Registered office

Chaussée de Bruxelles 122, 6040 Charleroi

Names & denominations

BUILDING

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

21 April 1929

Peppol

Not registered

Activities · NACE

Verstrekken van hypothecair krediet

Overige kredietverstrekking

View on CBE Public ↗ Annual accounts (NBB) ↗

BUILDING

Warning lights

Financials

What happened to BUILDING?

Management

Directors

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions