Warning lights
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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Busy address KBO
45 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
CREDIT POUR HABITATIONS SOCIALES from Brussel, company number BE0402204461, closed financial year 2025 with a result of € -57,377 after tax. For that financial year CREDIT POUR HABITATIONS SOCIALES recorded revenue of € 588,696 and equity of € 12.7 million. Compared with financial year 2024, the result moved from € -13,442 to € -57,377. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on May 29, 2026.
€ 12.7 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -57,377
▼ 327 % more loss than in 2024
Profit after tax over the fiscal year.
€ 313,397
▲ € 259,115 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 11.5 million.
People and assets in 2025
0.8
▼ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 109,230
▲ 26% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 10 million
▼ 23% vs 2024
€ 2.3 million is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 1,079
▼ 89% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 1 days on average.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 888,770 | € 772,363 | € 680,322 | € 588,696 | ▼ 13% |
| Profit after taxes | € -79,370 | € 49,321 | € -13,442 | € -57,377 | ▼ € 43,935 |
| Equity | € 12,730,754 | € 12,780,075 | € 12,766,633 | € 12,709,256 | |
| Total debts | € 19,638,988 | € 16,125,845 | € 13,131,500 | € 10,101,344 | ▼ 23% |
| Cash | € 32,787 | € 15,021 | € 54,282 | € 313,397 | ▲ € 259,115 |
| Land & buildings | € 5,043 | € 4,820 | € 4,597 | € 4,375 | ▼ 5% |
| Retained profit | € 11,542,820 | € 11,592,141 | € 11,578,699 | € 11,521,322 | |
| Bank debt | € 19,252,977 | € 15,946,701 | € 12,985,919 | € 10,004,280 | ▼ 23% |
| Balance sheet total | € 32,408,742 | € 28,940,920 | € 25,929,133 | € 22,837,600 | ▼ 12% |
| Employees (FTE) | 1.4 | 1 | 1 | 0.8 | ▼ 0.2 |
Key figures of CREDIT POUR HABITATIONS SOCIALES, 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 CREDIT POUR HABITATIONS SOCIALES?
What happened at CREDIT POUR HABITATIONS SOCIALES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Patronale Life NV stepped down as director. NBB
- Bart Cornu stepped down as director. NBB
- Olivier Nokerman stepped down as director. NBB
- Laura De Geyter stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 57,377. Source: NBB ↗
- Philippe Rondia stepped down as director. NBB
- Patronale Life NV became a director. NBB
- Dirk Vrijders stepped down as director. NBB
In short
From € 79,370 loss in 2022 to € 57,377 loss in 2025.
Best year ever: 2023, with € 49,321 profit.
Pays suppliers within 1 days on average.
Management
Directors
According to the 2025 annual accounts
Philippe Rondia
Director
since 2011 · until 2025
Managing director · represented by Filip Moeykens
Also active at: MANUGENIE, HYPOSTART, INDOMI, SOCODIX, GEWESTELIJKE MAATSCHAPPIJ VOOR HUISVESTINGSKREDIET - SOCIETE REGIONALE DE CREDIT AU LOGEMENT, Demer en Dijle, De Vrijdomskaai, SOGIMES +48 more
since 2025 · until 2031
Dirk Vrijders
Chairman of the board
since 2016 · until 2025
since 2025 · until 2031
Olivier Nokerman
Chairman of the board
Also active at: MANUGENIE, HYPOSTART, INDOMI, SOCODIX, Demer en Dijle, De Vrijdomskaai, Gearless Windpower, IRENE III +26 more
since 2025 · until 2031
Laura De Geyter
Director
since 2025 · until 2031
Patrick Wilmet
Managing director
since 2016 · until 2025
Establishments
Establishment units
Physical locations of this company
Bischoffsheimlaan 33
1000 Brussel
De Lange Beemden 14 box 11
3550 Heusden-Zolder
Active since 23 September 1997
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 45 companies are registered at this address.
All companies at this address →MANUGENIE same network
€ 1.4 million revenue · 2025
L'Entr'Aide Financière du Tournaisis
€ 1.5 million revenue · 2024
SOCODIX same network
€ 54,108 revenue · 2025
GEWESTELIJKE MAATSCHAPPIJ VOOR HUISVESTINGSKREDIET - SOCIETE REGIONALE DE CREDIT AU LOGEMENT same network
€ 76,499 gross margin · 2025
The Chester Antwerp
€ 3.1 million gross margin · 2025
+40 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0402.204.461
- VAT number
- BE 0402.204.461
- Registered office
- Bischoffsheimlaan 33, 1000 Brussel
- Names & denominations
- CREDIT POUR HABITATIONS SOCIALES · KREDIET VOOR SOCIALE WONINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 8 March 1923
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Verstrekken van hypothecair krediet