Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
La Générale Luxembourgeoise du Crédit from Stavelot, company number BE0412984626, closed financial year 2025 with a result of € -4,885 after tax. For that financial year La Générale Luxembourgeoise du Crédit recorded a gross margin of € 163,457 and equity of € 956,765. Compared with financial year 2024, the result moved from € -6,570 to € -4,885. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 956,765
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -4,885
▲ 26 % less loss than in 2024
Profit after tax over the fiscal year.
€ 50,362
▲ 199% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 863,806.
Debts at end 2025
€ 752,869
▼ 23% vs 2024
€ 129,461 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 6,542
▼ 50% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 132
▼ 99% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 136,046 | € 310,258 | € 166,134 | € 163,457 | ▼ 2% |
| Profit after taxes | € -19,199 | € 92,639 | € -6,570 | € -4,885 | ▲ € 1,685 |
| Equity | € 915,080 | € 1,007,720 | € 961,650 | € 956,765 | ▼ 1% |
| Total debts | € 1,547,729 | € 1,139,025 | € 1,052,139 | € 1,190,102 | ▲ 13% |
| Cash | - | € 23,261 | € 16,823 | € 50,362 | ▲ 199% |
| Land & buildings | € 2,088,461 | € 1,931,919 | € 1,882,118 | € 2,086,049 | ▲ 11% |
| Retained profit | € 822,121 | € 914,760 | € 868,691 | € 863,806 | ▼ 1% |
| Dividend | € 0 | € 0 | € 39,500 | € 0 | ▼ 100% |
| Bank debt | € 1,290,253 | € 1,115,715 | € 980,408 | € 752,869 | ▼ 23% |
| Balance sheet total | € 2,530,968 | € 2,245,118 | € 2,108,696 | € 2,237,830 | ▲ 6% |
Key figures of La Générale Luxembourgeoise du Crédit, 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 La Générale Luxembourgeoise du Crédit?
What happened at La Générale Luxembourgeoise du Crédit in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Daniel SKA stepped down as director. NBB
- Samuel SKA stepped down as director. NBB
- Francy-Anne JADOT stepped down as director. NBB
- Damien SKA stepped down as director. NBB
- Caroline SKA stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 4,885. filed late Source: NBB ↗
- Daniel SKA became a director. NBB
- Samuel SKA became a director. NBB
In short
From € 19,199 loss in 2022 to € 4,885 loss in 2025.
Paid € 33,241 in corporate taxes since 2022.
Best year ever: 2023, with € 92,639 profit.
Paid out € 39,500 in dividends to the owners in total.
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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
Directors
According to the 2025 annual accounts
Daniel SKA
Managing director
since 2025 · until 2031
since 2025 · until 2031
Francy-Anne JADOT
Managing director
since 2025 · until 2031
since 2025 · until 2031
Caroline SKA
Director
since 2025 · until 2031
Establishments
Establishment units
Physical locations of this company
Basse Levée 24
4970 Stavelot
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0412.984.626
- VAT number
- BE 0412.984.626
- Registered office
- Basse Levée 24, 4970 Stavelot
- Names & denominations
- La Générale Luxembourgeoise du Crédit · Cregelux
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 9 February 1973
- Peppol
- Active · Active since 17 Dec 2025