Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
Financials
Financial year 2025
CREDIT IMMOBILIER OUVRIER,Société de Crédit Social from Schaarbeek, company number BE0406067239, closed financial year 2025 with a result of € 119,925 after tax. For that financial year CREDIT IMMOBILIER OUVRIER,Société de Crédit Social recorded revenue of € 848,257 and equity of € -1.9 million. Compared with financial year 2024, the result moved from € 309,155 to € 119,925. The company is profitable. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 8, 2026.
€ -1.9 million
▲ € 119,925 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 119,925
▼ 61% vs 2024
Profit after tax over the fiscal year.
€ 2 million
▲ 20% 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 € -2.7 million.
People and assets in 2025
1.6
Average over the fiscal year, from the social balance sheet.
€ 148,305
▼ 2% vs 2024
€ 92,700 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.
Debts at end 2025
€ 21.7 million
▼ 10% vs 2024
€ 1 million is repaid this year. At this pace the long-term loan is gone in ≈ 21 years.
€ 28,463
▼ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 16 days on average.
€ 27,469
▲ 73% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,179,544 | € 1,026,116 | € 925,414 | € 848,257 | ▼ 8% |
| Profit after taxes | € -187,955 | € -111,462 | € 309,155 | € 119,925 | ▼ 61% |
| Equity | € -2,187,885 | € -2,299,347 | € -1,990,192 | € -1,870,267 | ▲ € 119,925 |
| Total debts | € 29,391,689 | € 26,535,499 | € 24,285,677 | € 21,824,052 | ▼ 10% |
| Cash | € 1,451,373 | € 1,493,399 | € 1,630,252 | € 1,955,066 | ▲ 20% |
| Retained profit | € -2,979,468 | € -3,090,930 | € -2,781,774 | € -2,661,849 | ▲ € 119,925 |
| Bank debt | € 29,229,204 | € 26,407,158 | € 24,115,692 | € 21,675,644 | ▼ 10% |
| Balance sheet total | € 27,203,804 | € 24,236,152 | € 22,295,485 | € 19,953,785 | ▼ 11% |
| Employees (FTE) | 3.9 | 3.2 | 1.6 | 1.6 |
Key figures of CREDIT IMMOBILIER OUVRIER,Société de Crédit Social, 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 CREDIT IMMOBILIER OUVRIER,Société de Crédit Social?
What happened at CREDIT IMMOBILIER OUVRIER,Société de Crédit Social in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Eric MAUQUOY stepped down as director. NBB
- Guy ERNES stepped down as director. NBB
- Mandionka NDIAYE stepped down as director. NBB
- Nils-Adil RYAN stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 119,925 (▼ 61% vs 2024). filed late Source: NBB ↗
- Eric MAUQUOY became a director. NBB
- Guy ERNES became a director. NBB
- Mandionka NDIAYE became a director. NBB
In short
From € 187,955 loss in 2022 to € 119,925 profit in 2025.
Paid € 481 in corporate taxes since 2022.
Best year ever: 2024, with € 309,155 profit.
Pays suppliers within 16 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
Behind CREDIT IMMOBILIER OUVRIER,Société de Crédit Social is Youcef HAMMANI.
Directors
According to the 2025 annual accounts
Youcef HAMMANI
Government commissioner
since 2020
Eric MAUQUOY
Chairman of the board
since 2025 · until 2031
Mandionka NDIAYE
Director
since 2023 · until 2029
Guy ERNES
Director
since 2023 · until 2029
Nils-Adil RYAN
Director
since 2021 · until 2027
Establishments
Establishment units
Physical locations of this company
Auguste Reyerslaan 156 box 3
1030 Schaarbeek
Ijsvogellaan 19-21
1170 Watermaal-Bosvoorde
Active since 1 January 1927
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
IKOULA, FR
Domain
Domain
immocredit.org
Registered
2014-02-11
Registrar
Combell NV
Expires
2027-02-11
Website info
Features
Security
Details
- Company number
- 0406.067.239
- VAT number
- BE 0406.067.239
- Registered office
- Auguste Reyerslaan 156 bus 3, 1030 Schaarbeek
- Names & denominations
- CREDIT IMMOBILIER OUVRIER,Société de Crédit Social · CREDIT OUVRIER
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1927
- Peppol
- Active · Active since 29 Jun 2026
- Contact
- immocredit.org
- Activities · NACE
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