Financials
Financial year 2025
Société de Crédit et Financement belge from Charleroi, company number BE0426114268, closed financial year 2025 with a result of € 24,371 after tax. For that financial year Société de Crédit et Financement belge recorded a gross margin of € 393,724 and equity of € 2.8 million. Compared with financial year 2024, the result moved from € 452,168 to € 24,371. The company is profitable. 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 July 17, 2026.
€ 2.8 million
▼ 14% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 24,371
▼ 95% vs 2024
Profit after tax over the fiscal year.
€ 205,732
▲ 70% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 500,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
7.1
▲ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 323,299
▲ 6% vs 2024
€ 45,500 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.
€ 8,815
▼ 35% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 237,923
▼ 16% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 137,492
▲ 30% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,273,351 | € 1,129,012 | € 842,013 | € 393,724 | ▼ 53% |
| Profit after taxes | € 814,004 | € 593,802 | € 452,168 | € 24,371 | ▼ 95% |
| Equity | € 2,353,369 | € 2,947,171 | € 3,299,339 | € 2,823,710 | ▼ 14% |
| Total debts | € 405,604 | € 482,177 | € 489,165 | € 809,891 | ▲ 66% |
| Cash | € 232,310 | € 195,782 | € 121,029 | € 205,732 | ▲ 70% |
| Land & buildings | € 351,459 | € 297,651 | € 243,843 | € 190,034 | ▼ 22% |
| Retained profit | € 2,291,869 | € 2,885,671 | € 3,237,839 | € 2,762,210 | ▼ 15% |
| Dividend | € 0 | € 0 | € 100,000 | € 500,000 | ▲ € 400,000 |
| Balance sheet total | € 2,758,973 | € 3,429,348 | € 3,788,504 | € 3,633,600 | ▼ 4% |
| Employees (FTE) | - | 8 | 6.7 | 7.1 | ▲ 0.4 |
Key figures of Société de Crédit et Financement belge, 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 Société de Crédit et Financement belge?
What happened at Société de Crédit et Financement belge in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 24,371 (▼ 95% vs 2024). Source: NBB ↗
- New establishment in Charleroi. KBO
- New establishment in Antwerpen. KBO
- New establishment in Liège. KBO
- New establishment in Namur. KBO
- New establishment in Brussel. KBO
- New establishment in Mons. KBO
- Start of the company according to the CBE. KBO
In short
From € 814,004 profit in 2022 to € 24,371 profit in 2025.
Paid € 27,279 in corporate taxes since 2022.
Best year ever: 2022, with € 814,004 profit.
On average € 55,500 of value added per employee in 2025.
A new publication or filing at Société de Crédit et Financement belge? We notify you, reason included.
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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
Establishments
Establishment units
Physical locations of this company
Boulevard Joseph Tirou 63
6000 Charleroi
Houba de Strooperlaan 15
1020 Brussel
Active since 1 May 1989
Boulevard d'Avroy 234
4000 Liège
Active since 1 March 2005
Avenue Gouverneur Bovesse(JB) 37
5100 Namur
Active since 1 February 1996
Bredabaan 334
2170 Antwerpen
Active since 1 September 2005
Boulevard Dolez 6
7000 Mons
Active since 1 January 1986
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0426.114.268
- VAT number
- BE 0426.114.268
- Registered office
- Boulevard Joseph Tirou 63, 6000 Charleroi
- Names & denominations
- Société de Crédit et Financement belge · Créfibel
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 27 December 1983
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Verstrekken van verbruikskrediet