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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
« SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G » from Malmedy, company number BE0402324326, closed financial year 2025 with a result of € -23,463 after tax. For that financial year « SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G » recorded revenue of € 734,517 and equity of € 5 million. Compared with financial year 2024, the result moved from € 28,083 to € -23,463. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on April 30, 2026.
€ 5 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -23,463
▼ still € 28,083 profit in 2024
Profit after tax over the fiscal year.
€ 872,962
▲ 100% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 4.8 million.
People and assets in 2025
2.6
Average over the fiscal year, from the social balance sheet.
€ 250,362
▲ 6% vs 2024
€ 96,300 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.
€ 2,049
▼ 17% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 23.3 million
▼ 1% vs 2024
€ 888,506 is repaid this year. At this pace the long-term loan is gone in ≈ 26 years.
€ 7,513
▼ 9% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 4 days on average.
€ 45,422
▲ 9% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 721,684 | € 720,181 | € 746,985 | € 734,517 | ▼ 2% |
| Profit after taxes | € 52,483 | € 63,811 | € 28,083 | € -23,463 | ▼ € 51,547 |
| Equity | € 4,910,056 | € 4,967,931 | € 4,990,172 | € 4,966,708 | |
| Total debts | € 23,864,025 | € 24,660,752 | € 23,788,923 | € 23,458,344 | ▼ 1% |
| Cash | € 706,191 | € 714,155 | € 437,116 | € 872,962 | ▲ 100% |
| Land & buildings | € 28,403 | € 21,191 | € 13,979 | € 13,882 | ▼ 1% |
| Retained profit | € 4,791,319 | € 4,849,193 | € 4,871,335 | € 4,847,872 | |
| Dividend | € 5,937 | € 5,937 | € 5,942 | € 0 | ▼ 100% |
| Bank debt | € 23,517,958 | € 24,346,493 | € 23,576,368 | € 23,313,741 | ▼ 1% |
| Balance sheet total | € 28,774,081 | € 29,628,683 | € 28,779,095 | € 28,425,052 | ▼ 1% |
| Employees (FTE) | 2.7 | 2.7 | 2.6 | 2.6 |
Key figures of « SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G », 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 « SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G »?
What happened at « SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G » in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Norbert RICHTER stepped down as director. NBB
- Emmanuel ROGMAN stepped down as director. NBB
- Michel LAURENT stepped down as director. NBB
- José FRANTZEN stepped down as director. NBB
- Jean-Louis VAN DEN HAUTE stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 23,463 (▼ € 51,547 vs 2024). Source: NBB ↗
- Norbert RICHTER became a director. NBB
- Emmanuel ROGMAN became a director. NBB
In short
From € 52,483 profit in 2022 to € 23,463 loss in 2025.
Paid € 11,897 in corporate taxes since 2022.
Best year ever: 2023, with € 63,811 profit.
Paid out € 17,815 in dividends to the owners in total.
A new publication or filing at « SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G »? 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 « SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G » is Victoria VANDEBERG. Victoria VANDEBERG is also behind Commission de gestion du Parc Naturel Hautes Fagnes-Eifel, association sans but lucratif ou ASBL.
Directors
According to the 2025 annual accounts
Victoria VANDEBERG
Government commissioner
Also active at: Commission de gestion du Parc Naturel Hautes Fagnes-Eifel, association sans but lucratif ou ASBL
since 2023
Emmanuel ROGMAN
Director
since 2024 · until 2027
Michel LAURENT
Chairman of the board
since 2024 · until 2027
José FRANTZEN
Director
since 2024 · until 2027
Norbert RICHTER
Director
since 2025 · until 2028
Jean-Louis VAN DEN HAUTE
Director
since 2024 · until 2027
Establishments
Establishment units
Physical locations of this company
Rue des Arsilliers 26
4960 Malmedy
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0402.324.326
- VAT number
- BE 0402.324.326
- Registered office
- Rue des Arsilliers 26, 4960 Malmedy
- Names & denominations
- « SOCIETE DE CREDIT POUR HABITATIONS SOCIALES » en abrégé « S.C.H.S » en langue allemande « EIGENHEIMKREDITGESELLSCHAFT » en abrégé « E.H.K.G » · S.A. S.C.H.S. · A.G. EIGENHEIMKREDITGESELLSCHAFT
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 23 April 1925
- Peppol
- Not registered
- Activities · NACE
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