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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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Busy address KBO
26 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
Crédal from Brussel, company number BE0426769514, closed financial year 2025 with a result of € 101,805 after tax. For that financial year Crédal recorded revenue of € 2.4 million and equity of € 49.9 million. Compared with financial year 2024, the result moved from € 202,416 to € 101,805. The company is profitable. 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 June 16, 2026.
€ 49.9 million
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 101,805
▼ 50% vs 2024
Profit after tax over the fiscal year.
€ 7.4 million
▲ 267% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 60,608 paid out
60 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
4.7
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 452,877
▲ 5% vs 2024
€ 96,400 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.
€ 788
▼ 38% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 22.5 million
▲ 26% vs 2024
€ 2.1 million is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 982,179
▼ 6% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 106,857
▲ 12% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,886,135 | € 2,181,719 | € 2,251,240 | € 2,426,482 | ▲ 8% |
| Gross margin | € 775,849 | € 874,070 | € 818,704 | € 907,555 | ▲ 11% |
| Profit after taxes | € 42,450 | € 42,585 | € 202,416 | € 101,805 | ▼ 50% |
| Equity | € 40,475,877 | € 42,835,991 | € 46,509,651 | € 49,882,568 | ▲ 7% |
| Total debts | € 17,730,061 | € 23,912,336 | € 19,814,694 | € 24,228,310 | ▲ 22% |
| Cash | € 61,935 | € 1,541,521 | € 2,012,972 | € 7,383,824 | ▲ 267% |
| Retained profit | € 1,369,007 | € 1,358,626 | € 1,504,896 | € 1,546,093 | ▲ 3% |
| Dividend | € 37,031 | € 52,966 | € 56,146 | € 60,608 | ▲ 8% |
| Bank debt | € 15,099,709 | € 22,017,893 | € 17,906,939 | € 22,495,470 | ▲ 26% |
| Balance sheet total | € 58,205,938 | € 66,748,327 | € 66,324,345 | € 74,110,878 | ▲ 12% |
| Employees (FTE) | 5.3 | 5.4 | 4.6 | 4.7 | ▲ 0.1 |
Key figures of Crédal, 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 Crédal?
What happened at Crédal in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Sophie Crapez stepped down as director. NBB
- Sylvain Launoy stepped down as director. NBB
- Myriam Bodart stepped down as director. NBB
- Joëlle Yana stepped down as director. NBB
- Vanessa Temple stepped down as director. NBB
- Philippe de Longueville stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 101,805 (▼ 50% vs 2024). Source: NBB ↗
- Olivier Gevart stepped down as director. NBB
In short
From € 42,450 profit in 2022 to € 101,805 profit in 2025.
Paid € 65,261 in corporate taxes since 2022.
Best year ever: 2024, with € 202,416 profit.
On average € 193,100 of value added per employee in 2025.
A new publication or filing at Crédal? 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
Management
The stake of CENTRE DE COORDINATION FRANCOPHONE POUR LA FORMATION EN MEDECINE GENERALE, COOPERATIVE POUR LES ENERGIES DU FUTUR, Parc Eolien de Leuze-en-Hainaut comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CrédalThe shares are held by CENTRE DE COORDINATION FRANCOPHONE POUR LA FORMATION EN MEDECINE GENERALE (1%), COOPERATIVE POUR LES ENERGIES DU FUTUR (0%) and Parc Eolien de Leuze-en-Hainaut (0%). It owns 66.7% of Tama European Cooperative, 58.3% of Isis-Dies, 32.3% of Mabio, 27% of Azimut, 14.4% of Change and 14.3% of Fair Ground Wallonie itself.
Directors
According to the 2025 annual accounts
since 2023 · until 2027
Joëlle Yana
Director
since 2023 · until 2027
Olivier Gevart
Chairman of the board
Also active at: Credal, CREDAL PLUS, Change-Credal Social Innovation Fund, Credal Entreprendre
since 2022 · until 2026
Vanessa Temple
Director
since 2023 · until 2027
since 2022 · until 2026
Sylvain Launoy
Director
since 2024 · until 2028
Clothilde de Meulenaere
Director
since 2022 · until 2026
since 2025 · until 2029
Philippe de Longueville
Director
since 2023 · until 2027
Shareholders
Participations
58.3%
32.3%
27%
14.4%
14.3%
11.1%
Establishments
Establishment units
Physical locations of this company
Aalststraat 7
1000 Brussel
Rue du Bosquet 15A
1435 Mont-Saint-Guibert
Active since 1 August 1995
Rue de Monceau Fontaine 42 box 18
6031 Charleroi
Active since 1 September 2004
Rue de Steppes 24
4000 Liège
Active since 1 February 2014
Rue du Lombard 2
5000 Namur
Active since 1 November 2013
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 26 companies are registered at this address.
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€ 30,808 gross margin · 2025
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€ 703,737 gross margin · 2025
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+21 more
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
MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US
DNS
Cloudflare DNS
Website info
Features
Security
Details
- Company number
- 0426.769.514
- VAT number
- BE 0426.769.514
- Registered office
- Aalststraat 7, 1000 Brussel
- Names & denominations
- Crédal
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 3 May 1984
- Peppol
- Active · Active since 18 Nov 2025
- Contact
- credal.be
- Activities · NACE
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