Financials
Financial year 2025
CREDE from Mons, company number BE0418671497, closed financial year 2025 with a result of € 222,182 after tax. For that financial year CREDE recorded a gross margin of € 471,008 and equity of € 6.5 million. Compared with financial year 2024, the result moved from € 207,801 to € 222,182. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 2, 2026.
€ 6.5 million
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 222,182
▲ 7% vs 2024
Profit after tax over the fiscal year.
€ 1.1 million
▲ 27% 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 € 2.4 million.
Debts at end 2025
€ 1.1 million
▼ 10% vs 2024
€ 125,903 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 3,073
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 345,796 | € 440,328 | € 459,705 | € 471,008 | ▲ 2% |
| Profit after taxes | € 22,440 | € 184,824 | € 207,801 | € 222,182 | ▲ 7% |
| Equity | € 5,909,648 | € 6,094,472 | € 6,302,272 | € 6,524,454 | ▲ 4% |
| Total debts | € 1,483,167 | € 1,362,004 | € 1,239,022 | € 1,114,864 | ▼ 10% |
| Cash | € 456,048 | € 637,738 | € 826,620 | € 1,050,630 | ▲ 27% |
| Land & buildings | € 2,886,369 | € 2,668,340 | € 2,450,312 | € 2,232,283 | ▼ 9% |
| Retained profit | € 1,781,300 | € 1,966,124 | € 2,173,925 | € 2,396,107 | ▲ 10% |
| Bank debt | € 1,479,298 | € 1,358,328 | € 1,235,807 | € 1,111,604 | ▼ 10% |
| Balance sheet total | € 7,392,815 | € 7,456,476 | € 7,541,294 | € 7,639,318 | ▲ 1% |
Key figures of CREDE, 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 CREDE?
What happened at CREDE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 222,182 (▲ 7% vs 2024). Source: NBB ↗
- CHANTAL BOUCHEZ became a director. NBB
- JEAN-PIERRE FERRARI stepped down as director. NBB
- JEAN-PASCAL MACHIELS became a director. NBB
- FREDERIC HOUSSIAU stepped down as director. NBB
- GREGORY DEMAL became a director. NBB
- STEPHANE DENIS became a director. NBB
- New establishment in Mons. KBO
In short
From € 22,440 profit in 2022 to € 222,182 profit in 2025.
Best year ever: 2025, with € 222,182 profit.
Management
The stake of CHU HELORA comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CREDEBehind CREDE are BERNARD MAIRIAUX, PHILIPPE WILPUTTE, STEPHANE DENIS, BERNARD COULIE, SIGRID WILLAME and PHILIPPE DUBOIS. The shares are held by CHU HELORA.
Directors
According to the 2025 annual accounts
BERNARD MAIRIAUX
Director
PHILIPPE WILPUTTE
Director
Also active at: Union des Groupes de la Maison du peuple, TELEVISION LOCALE MONS - BORINAGE
STEPHANE DENIS
Director
since 2024
BERNARD COULIE
Vice-chairman of the board
Also active at: ASBL ENTRAIDE FRATERNELLE JOLIMONT, LE BOSQUET, STREBO SERVICES
SIGRID WILLAME
Director
PHILIPPE DUBOIS
Director
Also active at: INSTITUT NATIONAL DES SILICATES, Institut interuniversitaire des Silicates, Sols et Matériaux, Intercommunale Gabrielle Passelecq, MATERIA NOVA, Forum for cleantech, GATE2, UMONS VENTURE
CHANTAL BOUCHEZ
Director
Also active at: MANAGEMENT – ADMINISTRATIFS – CONSULTANT – FINANCIERS, Regie communale de Mons-capitale
since 2025
XAVIER DUVEAU
Vice-chairman of the board
JEAN-MICHEL HOUGARDY
Director
Also active at: Gezondheidsinstellingen Brussel Bruxelles Institutions de Santé
FRANCE NIVELLE
Director
DAMIEN DE DORLODOT
Director
FABIENNE BRYSKERE
Director
Also active at: ACTION DAMIEN, EXKI, CBX MEDICAL, NEWTREE Group, Copains.group
ISALINE DESCLEE
Director
JEAN-PASCAL MACHIELS
Director
Also active at: Cliniques universitaires Saint-Luc, Fondation Saint - Luc
since 2025
CALOGERO CONTI
Chairman of the board
GREGORY DEMAL
Director
since 2024
PATRICK DE COSTER
Director
Also active at: ASBL ENTRAIDE FRATERNELLE JOLIMONT, Saint Jean-Baptiste de la Salle, Le Cercle Trianon, LE BOSQUET, Fondation Charles-Albert Frère, PDC Consulting, STREBO SERVICES
JEAN-PIERRE FERRARI
Director
· until 2025
FREDERIC HOUSSIAU
Director
Also active at: INESU-IMMO, Cliniques universitaires Saint-Luc, de Duve Institute, CENTRE HOSPITALIER UNIVERSITAIRE DINANT GODINNE SAINTE-ELISABETH-UCL-NAMUR, Fondation Saint - Luc, LES VIVIERS SANTE, UCLouvain Patrimoine, GRAND HOPITAL DE CHARLEROI
· until 2025
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Boulevard Fulgence Masson 5
7000 Mons
Avenue B. de Constantinople 10
7000 Mons
Active since 27 July 1988
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0418.671.497
- VAT number
- BE 0418.671.497
- Registered office
- Boulevard Fulgence Masson 5, 7000 Mons
- Names & denominations
- CREDE · Crede
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 June 1978
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- [email protected]
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Verhuur van woningen, exclusief sociale woningen