Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 20 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Société Générale de Cautionnement - Algemene Borgstellingen from Evere, company number BE0403006987, closed financial year 2025 with a result of € 3 million after tax. For that financial year Société Générale de Cautionnement - Algemene Borgstellingen recorded a gross margin of € 2.3 million and equity of € 63.2 million. Compared with financial year 2024, the result moved from € 3.4 million to € 3 million. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on March 25, 2026.
€ 63.2 million
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3 million
▼ 10% vs 2024
Profit after tax over the fiscal year.
€ 2.5 million
▲ 64% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 53.1 million.
People and assets in 2025
4.7
Average over the fiscal year, from the social balance sheet.
€ 541,520
▼ 21% vs 2024
€ 115,200 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.
€ 79,020
▼ 34% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 6.4 million
▲ 20% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 460,739
▲ 22% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,821,957 | € 1,994,459 | € 2,862,409 | € 2,304,898 | ▼ 19% |
| Profit after taxes | € 2,576,753 | € 2,694,411 | € 3,358,917 | € 3,031,180 | ▼ 10% |
| Equity | € 52,255,005 | € 55,655,441 | € 59,601,708 | € 63,178,164 | ▲ 6% |
| Total debts | € 112,907,574 | € 122,546,181 | € 131,224,623 | € 138,053,258 | ▲ 5% |
| Cash | € 2,891,586 | € 1,125,410 | € 1,508,155 | € 2,480,584 | ▲ 64% |
| Land & buildings | € 65,403 | € 65,403 | € 65,403 | € 65,403 | |
| Retained profit | € 44,007,480 | € 46,701,891 | € 50,060,808 | € 53,091,989 | ▲ 6% |
| Balance sheet total | € 193,845,576 | € 208,648,842 | € 223,116,216 | € 234,551,895 | ▲ 5% |
| Employees (FTE) | 4.9 | 4.7 | 4.7 | 4.7 |
Key figures of Société Générale de Cautionnement - Algemene Borgstellingen, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to Société Générale de Cautionnement - Algemene Borgstellingen?
What happened at Société Générale de Cautionnement - Algemene Borgstellingen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Pierre Joly stepped down as director. NBB
- Ingrid Dekempeneer stepped down as director. NBB
- Pieter De Poorter stepped down as director. NBB
- Thomas Melin stepped down as director. NBB
- Christophe Wanty stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 3 million (▼ 10% vs 2024). Source: NBB ↗
- Eric Leskens stepped down as director. NBB
- Marc Lauwers stepped down as director. NBB
In short
From € 2.6 million profit in 2022 to € 3 million profit in 2025.
Paid € 4 million in corporate taxes since 2022.
Best year ever: 2024, with € 3.4 million profit.
On average € 490,400 of value added per employee in 2025.
A new publication or filing at Société Générale de Cautionnement - Algemene Borgstellingen? We notify you, reason included.
Follow Société Générale de Cautionnement - Algemene BorgstellingenDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 stake of Entreprises Lambert, ABIP, ENTREPRISES GENERALES E. COLLETTE ET FILS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Société Générale de Cautionnement - Algemene BorgstellingenThe shares are held by Entreprises Lambert (0%), ABIP (0%) and ENTREPRISES GENERALES E. COLLETTE ET FILS. It owns 17% of Canius I, 13.9% of Hamsterhuren and 12.1% of Fidentia Belux Offices itself.
Directors
According to the 2025 annual accounts
Eric Leskens
Director
Also active at: Fédération des Entrepreneurs généraux de la Construction - Federatie van Algemene Bouwaannemers, BRUALFA, A C H CONSTRUCT, A C H BOUW, SPORT EN RECREATIEBAD PELT, S&R Brugge, Vanhout PPS, S&R Kortrijk-Zwevegem +9 more
since 2021 · until 2026
since 2023 · until 2028
Ingrid Dekempeneer
Director
since 2023 · until 2028
Marc Lauwers
Director
since 2021 · until 2026
Pieter De Poorter
Director
Also active at: VERHELST IMMO ANTWERPEN, MONUMENT HAINAUT, Monument Goedleven, Callewaert, CELCIO, BALEGRO, MONUMENT RENOVATION TECHNICS, MONUMENT STABILITY CONTRACTOR +14 more
since 2023 · until 2028
Wim Dom
Director
since 2021 · until 2026
Thomas Melin
Vice-chairman of the board
since 2023 · until 2028
Christophe Wanty
Director
Also active at: SCOLAS, JACQUES EXPLOITATIONS, INGENIERIE ET CONSTRUCTION MASSET, ANCIENS ETABLISSEMENTS HENRI DEBLIQUIT, ETS E. RONVEAUX, COMPAGNIE FINANCIERE DE TRAVAUX PUBLICS ET AGREGATS, Ceramat, WANTY ACADEMY +14 more
since 2023 · until 2027
since 2021 · until 2026
Pascal Buys
Director
Also active at: ROBUCO DEMOLITION, VlaWeBo Oost-vlaanderen, Robuco, Hakoma, HOLBUCO, COOLS, SOCIETE DE GERANCE DE ROMEREE BUYS & CO, BELCOVIA +9 more
since 2021 · until 2026
Shareholders
Participations
Establishments
Establishment units
Physical locations of this company
Henry Dunantlaan 19-21
1140 Evere
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
- 0403.006.987
- VAT number
- BE 0403.006.987
- Registered office
- Henry Dunantlaan 19-21, 1140 Evere
- Names & denominations
- Société Générale de Cautionnement - Algemene Borgstellingen
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 1 January 1968
- Peppol
- Active · Active since 3 Sept 2025
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen
Ondersteunende activiteiten i.v.m. financiële instellingen, n.e.g.