What does CREDISSIMO do?

CREDISSIMO is a credit provider in Liège. Public Limited, started on 11 October 1912, 2 establishments.

What is the address of CREDISSIMO?

The registered office of CREDISSIMO is located at Rue des Prémontrés 4, 4000 Liège.

Is CREDISSIMO still active?

Yes. According to the CBE (29 October 2026) CREDISSIMO is active, legal situation “Normale toestand”, started on 11 October 1912.

Is CREDISSIMO registered on Peppol?

Yes, CREDISSIMO is registered on the Peppol network with ID 0208:0403977482.

What is the enterprise number of CREDISSIMO?

The enterprise number of CREDISSIMO is BE0403977482.

When was CREDISSIMO founded?

CREDISSIMO was founded on 11 October 1912.

Who are the directors of CREDISSIMO?

According to the 2025 annual accounts, the directors of CREDISSIMO are: Yves DEGEY, Anne-Michèle KOCH, Karadeg LAMBERTY, Bernard JOUAN .

Is CREDISSIMO a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 11 October 1912; 4 annual accounts filed, latest fiscal year 2025; 4 directors known from the annual account; 2 establishments in the CBE.

How much profit did CREDISSIMO make in 2025?

CREDISSIMO posted a profit after taxes of € 819,751 in financial year 2025.

What is the revenue of CREDISSIMO?

In its most recent annual accounts (2025), CREDISSIMO reported revenue of € 9,835,441.

How much does an employee at CREDISSIMO earn?

The average wage cost per full-time employee at CREDISSIMO was € 116,400 in 2025: staff costs of € 1.3 million for 11.2 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does CREDISSIMO have?

According to the 2025 annual accounts, CREDISSIMO has 11.2 full-time equivalents (FTE).

Does CREDISSIMO have a website?

Yes, CREDISSIMO has a website at credissimo.be.

CREDISSIMO (Public Limited) - Liège - BE0403977482

Dossier CREDISSIMO, printed on 29 October 2026 from databakkes.be/en/0403977482/credissimo. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

CREDISSIMO from Liège, company number BE0403977482, closed financial year 2025 with a result of € 819,751 after tax. For that financial year CREDISSIMO recorded revenue of € 9.8 million and equity of € 25.4 million. Compared with financial year 2024, the result moved from € 980,769 to € 819,751. 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 April 13, 2026.

What it is worth Growing

€ 25.4 million

▲ 3% vs 2024

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

Profit Healthy

€ 819,751

▼ 16% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 7.6 million

▲ 23% vs 2024

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

Where the profit goes Pays out

€ 80,000 paid out

10 % of the profit went to the shareholders, mostly to BNB PARIBAS FORTIS S.A. (100 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

11.2

▲ 0.3 vs 2024

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: € 486,029 in 2025, together with rent, insurance, accountants and other services. The accounts do not split that further.

€ 1.3 million

▲ 8% vs 2024

€ 116,400 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

€ 7,200

▼ 51% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 24 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.

€ 394.2 million

▲ 1% vs 2024

€ 16.6 million is repaid this year. At this pace the long-term loan is gone in ≈ 24 years.

Owed to suppliers

€ 27,682

▲ 90% vs 2024

Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 1 days on average.

Taxes and wages

€ 376,600

▲ 3% 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	€ 9,128,641 Revenue 2022: € 9,128,641 First fiscal year in the series	€ 9,253,601 Revenue 2023: € 9,253,601 ▲ 1% vs 2022 (€ 9,128,641) Favourable step	€ 9,593,505 Revenue 2024: € 9,593,505 ▲ 4% vs 2023 (€ 9,253,601) Favourable step	€ 9,835,441 Revenue 2025: € 9,835,441 ▲ 3% vs 2024 (€ 9,593,505) Favourable step	▲ 3%
Profit after taxes	€ 915,097 Profit after taxes 2022: € 915,097 First fiscal year in the series	€ 1,052,085 Profit after taxes 2023: € 1,052,085 ▲ 15% vs 2022 (€ 915,097) Favourable step	€ 980,769 Profit after taxes 2024: € 980,769 ▼ 7% vs 2023 (€ 1,052,085) Unfavourable step	€ 819,751 Profit after taxes 2025: € 819,751 ▼ 16% vs 2024 (€ 980,769) Unfavourable step	▼ 16%
Equity	€ 22,763,728 Equity 2022: € 22,763,728 First fiscal year in the series	€ 23,735,813 Equity 2023: € 23,735,813 ▲ 4% vs 2022 (€ 22,763,728) Favourable step	€ 24,636,582 Equity 2024: € 24,636,582 ▲ 4% vs 2023 (€ 23,735,813) Favourable step	€ 25,376,333 Equity 2025: € 25,376,333 ▲ 3% vs 2024 (€ 24,636,582) Favourable step	▲ 3%
Total debts	€ 375,145,553 Total debts 2022: € 375,145,553 First fiscal year in the series	€ 390,987,668 Total debts 2023: € 390,987,668 ▲ 4% vs 2022 (€ 375,145,553) Unfavourable step	€ 392,042,110 Total debts 2024: € 392,042,110 Unchanged (€ 390,987,668) Unfavourable step	€ 396,120,729 Total debts 2025: € 396,120,729 ▲ 1% vs 2024 (€ 392,042,110) Unfavourable step	▲ 1%
Cash	€ 9,013,975 Cash 2022: € 9,013,975 First fiscal year in the series	€ 7,802,994 Cash 2023: € 7,802,994 ▼ 13% vs 2022 (€ 9,013,975) Unfavourable step	€ 6,156,763 Cash 2024: € 6,156,763 ▼ 21% vs 2023 (€ 7,802,994) Unfavourable step	€ 7,588,899 Cash 2025: € 7,588,899 ▲ 23% vs 2024 (€ 6,156,763) Favourable step	▲ 23%
Land & buildings	€ 1,319,265 Land & buildings 2022: € 1,319,265 First fiscal year in the series	€ 1,241,352 Land & buildings 2023: € 1,241,352 ▼ 6% vs 2022 (€ 1,319,265) Unchanged	€ 1,164,936 Land & buildings 2024: € 1,164,936 ▼ 6% vs 2023 (€ 1,241,352) Unchanged	€ 1,088,820 Land & buildings 2025: € 1,088,820 ▼ 7% vs 2024 (€ 1,164,936) Unchanged	▼ 7%
Retained profit	€ 21,163,728 Retained profit 2022: € 21,163,728 First fiscal year in the series	€ 22,135,813 Retained profit 2023: € 22,135,813 ▲ 5% vs 2022 (€ 21,163,728) Favourable step	€ 23,036,582 Retained profit 2024: € 23,036,582 ▲ 4% vs 2023 (€ 22,135,813) Favourable step	€ 23,776,333 Retained profit 2025: € 23,776,333 ▲ 3% vs 2024 (€ 23,036,582) Favourable step	▲ 3%
Dividend	€ 80,000 Dividend 2022: € 80,000 First fiscal year in the series	€ 80,000 Dividend 2023: € 80,000 Unchanged (€ 80,000) Unchanged	€ 80,000 Dividend 2024: € 80,000 Unchanged (€ 80,000) Unchanged	€ 80,000 Dividend 2025: € 80,000 Unchanged (€ 80,000) Unchanged
Bank debt	€ 371,673,834 Bank debt 2022: € 371,673,834 First fiscal year in the series	€ 388,708,045 Bank debt 2023: € 388,708,045 ▲ 5% vs 2022 (€ 371,673,834) Unfavourable step	€ 390,081,211 Bank debt 2024: € 390,081,211 Unchanged (€ 388,708,045) Unfavourable step	€ 394,247,844 Bank debt 2025: € 394,247,844 ▲ 1% vs 2024 (€ 390,081,211) Unfavourable step	▲ 1%
Balance sheet total	€ 398,680,008 Balance sheet total 2022: € 398,680,008 First fiscal year in the series	€ 415,423,879 Balance sheet total 2023: € 415,423,879 ▲ 4% vs 2022 (€ 398,680,008) Unchanged	€ 417,377,686 Balance sheet total 2024: € 417,377,686 Unchanged (€ 415,423,879) Unchanged	€ 422,192,136 Balance sheet total 2025: € 422,192,136 ▲ 1% vs 2024 (€ 417,377,686) Unchanged	▲ 1%
Employees (FTE)	11.2 Employees (FTE) 2022: 11.2 First fiscal year in the series	11.1 Employees (FTE) 2023: 11.1 ▼ 0.1 vs 2022 (11.2) Unchanged	10.9 Employees (FTE) 2024: 10.9 ▼ 0.2 vs 2023 (11.1) Unchanged	11.2 Employees (FTE) 2025: 11.2 ▲ 0.3 vs 2024 (10.9) Unchanged	▲ 0.3

Key figures of CREDISSIMO, 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?

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

2029 Yves DEGEY stepped down as director. NBB
2029 Anne-Michèle KOCH stepped down as director. NBB
2029 Bernard JOUAN stepped down as director. NBB
2028 Karadeg LAMBERTY stepped down as director. NBB
Apr 13, 2026 New annual accounts for financial year 2025: profit of € 819,751 (▼ 16% vs 2024). Source: NBB ↗
2023 Karadeg LAMBERTY became a director. NBB
2023 Yves DEGEY became a director. NBB
2023 Anne-Michèle KOCH became a director. NBB

In short

From € 915,097 profit in 2022 to € 819,751 profit in 2025.

Paid € 205,235 in corporate taxes since 2022.

Best year ever: 2023, with € 1.1 million profit.

Paid out € 320,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

BNB PARIBAS FORTIS S.A. 100%

GENFINANCE S.A.

CREDISSIMO

The shares are held by BNB PARIBAS FORTIS S.A. (100%) and GENFINANCE S.A..

Directors

According to the 2025 annual accounts

Yves DEGEY

Director

since 2023 · until 2029

Anne-Michèle KOCH

Director

since 2023 · until 2029

Karadeg LAMBERTY

Director

Also active at: L' Habitation Jemeppienne

since 2023 · until 2028

Bernard JOUAN

Chairman of the board

since 2023 · until 2029

Shareholders

BNB PARIBAS FORTIS S.A.

100%

GENFINANCE S.A.

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue des Prémontrés 4

4000 Liège

2.145.305.943

Rue Cockerill 134-136

4100 Seraing

Active since 1 April 2005

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

Website

HTTPS credissimo.be

About

Technologies

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Hosting & Email

Email provider

Microsoft 365

Hosting

OVH, FR

DNS

OVH DNS

Website info

HTTPS Ja

Features

Webshop Contact page

Security

✓ HTTPS

✓ SPF

✓ DMARC

Network

✓ IPv6

Details

Company number

0403.977.482

VAT number

BE 0403.977.482

Registered office

Rue des Prémontrés 4, 4000 Liège

Names & denominations

CREDISSIMO

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

11 October 1912

Peppol

Active · Active since 29 Sept 2025

Contact

credissimo.be

Activities · NACE

Verstrekken van hypothecair krediet

Overige kredietverstrekking

View on CBE Public ↗ Annual accounts (NBB) ↗

CREDISSIMO

Financials

What happened to CREDISSIMO?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Website

Technologies

Hosting & Email

Website info

Features

Security

Network

Details

Frequently asked questions