Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 10.9 to 5.8.
Financials
Financial year 2025
Onesto Woonkrediet Voor Vlaanderen from Beveren-Kruibeke-Zwijndrecht, company number BE0405553832, closed financial year 2025 with a result of € 277,170 after tax. For that financial year Onesto Woonkrediet Voor Vlaanderen recorded revenue of € 3.7 million and equity of € 31.2 million. Compared with financial year 2024, the result moved from € 106,665 to € 277,170. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on April 14, 2026.
€ 31.2 million
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 277,170
▲ 160% vs 2024
Profit after tax over the fiscal year.
€ 6.8 million
▲ € 6.4 million 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 € 19.1 million.
People and assets in 2025
5.8
▼ 0.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 618,621
▼ 11% vs 2024
€ 106,700 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.
€ 65,039
▼ 23% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 120.2 million
▼ 10% vs 2024
€ 13 million is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 28,863
▲ € 24,552 vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 3 days on average.
€ 80,971
▼ 12% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 3,920,642 | € 4,428,514 | € 4,142,647 | € 3,748,913 | ▼ 10% |
| Profit after taxes | € 508,977 | € 93,687 | € 106,665 | € 277,170 | ▲ 160% |
| Equity | € 24,070,943 | € 30,771,042 | € 30,877,707 | € 31,154,877 | ▲ 1% |
| Total debts | € 138,372,880 | € 148,450,349 | € 134,603,337 | € 121,373,138 | ▼ 10% |
| Cash | € 796,629 | € 845,442 | € 436,159 | € 6,829,465 | ▲ € 6.4 million |
| Land & buildings | € 60,249 | € 382,337 | € 364,227 | € 347,685 | ▼ 5% |
| Retained profit | € 14,817,092 | € 18,747,807 | € 18,854,472 | € 19,131,642 | ▲ 1% |
| Bank debt | € 136,419,464 | € 146,511,467 | € 133,248,268 | € 120,232,538 | ▼ 10% |
| Balance sheet total | € 162,829,804 | € 179,642,814 | € 165,917,563 | € 152,997,548 | ▼ 8% |
| Employees (FTE) | 6.3 | 10.9 | 6.5 | 5.8 | ▼ 0.7 |
Key figures of Onesto Woonkrediet Voor Vlaanderen, 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 Onesto Woonkrediet Voor Vlaanderen?
What happened at Onesto Woonkrediet Voor Vlaanderen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Pieter DE WITTE stepped down as director. NBB
- Filip VANGILBERGEN stepped down as director. NBB
- Tin VAN DEN PUTTE stepped down as director. NBB
- Patrick LEMMENS stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 277,170 (▲ 160% vs 2024). Source: NBB ↗
- Pieter DE WITTE became a director. NBB
- Filip VANGILBERGEN became a director. NBB
- Tin VAN DEN PUTTE became a director. NBB
In short
From € 508,977 profit in 2022 to € 277,170 profit in 2025.
Paid € 159 in corporate taxes since 2022.
Best year ever: 2022, with € 508,977 profit.
Pays suppliers within 3 days on average.
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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 stake of Onesto Kredietmaatschappij comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Onesto Woonkrediet Voor VlaanderenThe shares are held by Onesto Kredietmaatschappij (90.5%). It owns 38.4% of Onesto Woonpunt itself.
Directors
According to the 2025 annual accounts
Pieter DE WITTE
Director
since 2025 · until 2029
Filip VANGILBERGEN
Director
since 2025 · until 2029
since 2025 · until 2029
since 2025 · until 2029
Shareholders
Participations
38.4%
Establishments
Establishment units
Physical locations of this company
Albert Panisstraat(BEV) 8 box 2
9120 Beveren-Kruibeke-Zwijndrecht
Koningin Astridlaan 25 box 102
8200 Brugge
Active since 1 September 1949
Roeselaarsestraat 118
8870 Izegem
Active since 1 August 1992
Kanunnik Dr. Louis Colensstraat 10 box 1
8400 Oostende
Active since 20 May 2014
Volkslaan 302 box 201
8930 Menen
Active since 13 March 2017
Graaf van Loonstraat 15 box 1
3580 Beringen
Active since 20 July 2021
Sint-Jozefsplein 18
9700 Oudenaarde
Active since 20 July 2021
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0405.553.832
- VAT number
- BE 0405.553.832
- Registered office
- Albert Panisstraat(BEV) 8 bus 2, 9120 Beveren-Kruibeke-Zwijndrecht
- Names & denominations
- Onesto Woonkrediet Voor Vlaanderen · OWVV
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 17 August 1892
- Peppol
- Active · Active since 25 Jul 2025
- Activities · NACE
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