Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Busy address KBO
14 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
CREDISSIMO HAINAUT from Tournai, company number BE0402495065, closed financial year 2025 with a result of € -47,591 after tax. For that financial year CREDISSIMO HAINAUT recorded revenue of € 1.6 million and equity of € 4.3 million. Compared with financial year 2024, the result moved from € 128,652 to € -47,591. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on March 24, 2026.
€ 4.3 million
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -47,591
▼ still € 128,652 profit in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € 3.3 million.
People and assets in 2025
5
Average over the fiscal year, from the social balance sheet.
€ 394,020
€ 78,800 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.
Debts at end 2025
€ 65.1 million
▼ 5% vs 2024
€ 3.2 million is repaid this year. At this pace the long-term loan is gone in ≈ 21 years.
€ 11,110
▼ 43% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 3 days on average.
€ 71,706
▼ 17% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 2,077,240 | € 1,894,194 | € 1,736,214 | € 1,647,315 | ▼ 5% |
| Profit after taxes | € 237,902 | € 156,277 | € 128,652 | € -47,591 | ▼ € 176,243 |
| Equity | € 4,191,518 | € 4,297,803 | € 4,376,462 | € 4,278,878 | ▼ 2% |
| Total debts | € 78,810,049 | € 72,363,567 | € 69,107,375 | € 65,638,249 | ▼ 5% |
| Cash | € 633,584 | € 760,365 | € 1,395,321 | - | |
| Retained profit | € 3,191,581 | € 3,297,861 | € 3,376,516 | € 3,278,927 | ▼ 3% |
| Dividend | € 49,997 | € 49,997 | € 49,997 | € 49,998 | |
| Bank debt | € 78,133,805 | € 71,859,802 | € 68,210,090 | € 65,080,554 | ▼ 5% |
| Balance sheet total | € 83,120,934 | € 76,771,107 | € 73,588,074 | € 70,016,295 | ▼ 5% |
| Employees (FTE) | 4 | 4 | 5 | 5 |
Key figures of CREDISSIMO HAINAUT, 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 CREDISSIMO HAINAUT?
What happened at CREDISSIMO HAINAUT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Philippe HAZEE stepped down as director. NBB
- Régis LAMBERT stepped down as director. NBB
- Philippe RONDIA stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 47,591 (▼ € 176,243 vs 2024). Source: NBB ↗
- Christophe VANDENBUSSCHE stepped down as director. NBB
- Philippe HAZEE became a director. NBB
- Régis LAMBERT became a director. NBB
- Philippe RONDIA became a director. NBB
In short
From € 237,902 profit in 2022 to € 47,591 loss in 2025.
Paid € 31,700 in corporate taxes since 2022.
Best year ever: 2022, with € 237,902 profit.
Paid out € 199,989 in dividends to the owners in total.
A new publication or filing at CREDISSIMO HAINAUT? 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
The shares are held by BNP Paribas Fortis SA (99.7%), Anne-Christine LUSSIE (0.1%), Léon Veuve DESMET (0.1%), Victor Veuve DEFGNEE (0%), Chantal BERTOUILLE (0%) and Louis Veuve GOSSELAIN (0%).
Directors
According to the 2025 annual accounts
Philippe HAZEE
Managing director
since 2023 · until 2029
since 2021 · until 2027
Régis LAMBERT
Director
since 2023 · until 2028
Christophe VANDENBUSSCHE
Chairman of the board
since 2020 · until 2026
Shareholders
99.7%
Anne-Christine LUSSIE
0.1%
Léon Veuve DESMET
0.1%
Victor Veuve DEFGNEE
0%
Chantal BERTOUILLE
0%
Louis Veuve GOSSELAIN
0%
Paul Veuve ANSELME
0%
Charles Veuve JORION
0%
Louise Veuf CANTILLON
0%
Vincent Veuve BACHY
0%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Quai Saint-Brice(TOU) 35
7500 Tournai
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 14 companies are registered at this address.
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€ 12.5 million revenue · 2025
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€ 3.4 million revenue · 2025
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€ 6,411 revenue · 2025
MAISON DU TOURISME DE WALLONIE PICARDE
€ 32,462 revenue · 2025
+9 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
OVH, FR
DNS
OVH DNS
Website info
Features
Security
Details
- Company number
- 0402.495.065
- VAT number
- BE 0402.495.065
- Registered office
- Quai Saint-Brice(TOU) 35, 7500 Tournai
- Names & denominations
- CREDISSIMO HAINAUT
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1921
- Peppol
- Active · Active since 7 Oct 2025
- Contact
- swcs.be
- Activities · NACE
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