What does ROYALE INVEST & CREDIT do?

ROYALE INVEST & CREDIT is an estate agency in Grez-Doiceau. Public Limited, started on 20 October 1991, 1 establishment.

What is the address of ROYALE INVEST & CREDIT?

The registered office of ROYALE INVEST & CREDIT is located at Rue du Beau Site 51, 1390 Grez-Doiceau.

Is ROYALE INVEST & CREDIT still active?

Yes. According to the CBE (29 October 2026) ROYALE INVEST & CREDIT is active, legal situation “Normale toestand”, started on 20 October 1991.

Is ROYALE INVEST & CREDIT registered on Peppol?

Yes, ROYALE INVEST & CREDIT is registered on the Peppol network with ID 0208:0445648583.

What is the enterprise number of ROYALE INVEST & CREDIT?

The enterprise number of ROYALE INVEST & CREDIT is BE0445648583.

When was ROYALE INVEST & CREDIT founded?

ROYALE INVEST & CREDIT was founded on 20 October 1991.

Who are the directors of ROYALE INVEST & CREDIT?

According to the 2025 annual accounts, the directors of ROYALE INVEST & CREDIT are: Mercedes THONON, Jean-Philippe SEMAL.

Is ROYALE INVEST & CREDIT a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 20 October 1991; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did ROYALE INVEST & CREDIT make in 2025?

ROYALE INVEST & CREDIT posted a profit after taxes of € 294,744 in financial year 2025.

What is the revenue of ROYALE INVEST & CREDIT?

As a small company, ROYALE INVEST & CREDIT is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 421,837.

ROYALE INVEST & CREDIT (Public Limited) - Grez-Doiceau

Dossier ROYALE INVEST & CREDIT, printed on 29 October 2026 from databakkes.be/en/0445648583/royale-invest-credit. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

ROYALE INVEST & CREDIT from Grez-Doiceau, company number BE0445648583, closed financial year 2025 with a result of € 294,744 after tax. For that financial year ROYALE INVEST & CREDIT recorded a gross margin of € 421,837 and equity of € 1.2 million. Compared with financial year 2024, the result moved from € 142,885 to € 294,744. 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 August 27, 2026.

What it is worth Growing

€ 1.2 million

▲ 32% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 294,744

▲ 106% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 289,686

▲ 37% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 1.2 million.

People and assets in 2025

Vehicles and equipment

€ 89,392

▲ € 80,712 vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 12 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 1.6 million

▲ 76% vs 2024

€ 129,374 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.

Owed to suppliers

€ 133,803

▲ 92% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes

€ 4

▼ € 22,186 vs 2024

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 398,877 Gross margin 2022: € 398,877 First fiscal year in the series	€ 531,804 Gross margin 2023: € 531,804 ▲ 33% vs 2022 (€ 398,877) Favourable step	€ 550,997 Gross margin 2024: € 550,997 ▲ 4% vs 2023 (€ 531,804) Favourable step	€ 421,837 Gross margin 2025: € 421,837 ▼ 23% vs 2024 (€ 550,997) Unfavourable step	▼ 23%
Profit after taxes	€ 102,230 Profit after taxes 2022: € 102,230 First fiscal year in the series	€ 144,764 Profit after taxes 2023: € 144,764 ▲ 42% vs 2022 (€ 102,230) Favourable step	€ 142,885 Profit after taxes 2024: € 142,885 ▼ 1% vs 2023 (€ 144,764) Unfavourable step	€ 294,744 Profit after taxes 2025: € 294,744 ▲ 106% vs 2024 (€ 142,885) Favourable step	▲ 106%
Equity	€ 666,378 Equity 2022: € 666,378 First fiscal year in the series	€ 789,142 Equity 2023: € 789,142 ▲ 18% vs 2022 (€ 666,378) Favourable step	€ 923,027 Equity 2024: € 923,027 ▲ 17% vs 2023 (€ 789,142) Favourable step	€ 1,217,771 Equity 2025: € 1,217,771 ▲ 32% vs 2024 (€ 923,027) Favourable step	▲ 32%
Total debts	€ 457,082 Total debts 2022: € 457,082 First fiscal year in the series	€ 1,287,611 Total debts 2023: € 1,287,611 ▲ 182% vs 2022 (€ 457,082) Unfavourable step	€ 1,207,327 Total debts 2024: € 1,207,327 ▼ 6% vs 2023 (€ 1,287,611) Favourable step	€ 1,827,409 Total debts 2025: € 1,827,409 ▲ 51% vs 2024 (€ 1,207,327) Unfavourable step	▲ 51%
Cash	€ 173,420 Cash 2022: € 173,420 First fiscal year in the series	€ 174,203 Cash 2023: € 174,203 Unchanged (€ 173,420) Favourable step	€ 212,046 Cash 2024: € 212,046 ▲ 22% vs 2023 (€ 174,203) Favourable step	€ 289,686 Cash 2025: € 289,686 ▲ 37% vs 2024 (€ 212,046) Favourable step	▲ 37%
Land & buildings	€ 845,313 Land & buildings 2022: € 845,313 First fiscal year in the series	€ 1,745,171 Land & buildings 2023: € 1,745,171 ▲ 106% vs 2022 (€ 845,313) Unchanged	€ 1,687,680 Land & buildings 2024: € 1,687,680 ▼ 3% vs 2023 (€ 1,745,171) Unchanged	€ 2,381,728 Land & buildings 2025: € 2,381,728 ▲ 41% vs 2024 (€ 1,687,680) Unchanged	▲ 41%
Retained profit	€ 604,378 Retained profit 2022: € 604,378 First fiscal year in the series	€ 727,142 Retained profit 2023: € 727,142 ▲ 20% vs 2022 (€ 604,378) Favourable step	€ 861,027 Retained profit 2024: € 861,027 ▲ 18% vs 2023 (€ 727,142) Favourable step	€ 1,155,771 Retained profit 2025: € 1,155,771 ▲ 34% vs 2024 (€ 861,027) Favourable step	▲ 34%
Dividend	€ 20,000 Dividend 2022: € 20,000 First fiscal year in the series	€ 22,000 Dividend 2023: € 22,000 ▲ 10% vs 2022 (€ 20,000) Unchanged	€ 9,000 Dividend 2024: € 9,000 ▼ 59% vs 2023 (€ 22,000) Unchanged	€ 0 Dividend 2025: € 0 ▼ 100% vs 2024 (€ 9,000) Unchanged	▼ 100%
Bank debt	€ 343,547 Bank debt 2022: € 343,547 First fiscal year in the series	€ 977,282 Bank debt 2023: € 977,282 ▲ 184% vs 2022 (€ 343,547) Unfavourable step	€ 886,578 Bank debt 2024: € 886,578 ▼ 9% vs 2023 (€ 977,282) Favourable step	€ 1,563,641 Bank debt 2025: € 1,563,641 ▲ 76% vs 2024 (€ 886,578) Unfavourable step	▲ 76%
Balance sheet total	€ 1,123,460 Balance sheet total 2022: € 1,123,460 First fiscal year in the series	€ 2,076,753 Balance sheet total 2023: € 2,076,753 ▲ 85% vs 2022 (€ 1,123,460) Unchanged	€ 2,130,354 Balance sheet total 2024: € 2,130,354 ▲ 3% vs 2023 (€ 2,076,753) Unchanged	€ 3,045,181 Balance sheet total 2025: € 3,045,181 ▲ 43% vs 2024 (€ 2,130,354) Unchanged	▲ 43%

Key figures of ROYALE INVEST & CREDIT, 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 ROYALE INVEST & CREDIT?

What happened at ROYALE INVEST & CREDIT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2027 Mercedes THONON stepped down as director. NBB
2027 Jean-Philippe SEMAL stepped down as director. NBB
Aug 27, 2026 New annual accounts for financial year 2025: profit of € 294,744 (▲ 106% vs 2024). filed late Source: NBB ↗
Jan 23, 1992 New establishment in Ukkel. KBO
Oct 20, 1991 Start of the company according to the CBE. KBO

In short

From € 102,230 profit in 2022 to € 294,744 profit in 2025.

Paid € 185,348 in corporate taxes since 2022.

Best year ever: 2025, with € 294,744 profit.

Paid out € 51,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Directors

According to the 2025 annual accounts

Mercedes THONON

Director

· until 2027

Jean-Philippe SEMAL

Managing director

Also active at: GOLF ET SPORTING CLUB DE GREZ DOICEAU, FONBER, J.D. CONCEPT

· until 2027

Establishments

Establishment units

Physical locations of this company

Registered office

Rue du Beau Site 51

1390 Grez-Doiceau

2.055.794.046

Waterloosesteenweg 690

1180 Ukkel

Active since 23 January 1992

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0445.648.583

VAT number

BE 0445.648.583

Registered office

Rue du Beau Site 51, 1390 Grez-Doiceau

Names & denominations

ROYALE INVEST & CREDIT

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

20 October 1991

Peppol

Active · Active since 10 Dec 2025

Activities · NACE

Bemiddeling in verband met exploitatie van en handel in onroerend goed

Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis

Overige financiële dienstverlening, neg

View on CBE Public ↗ Annual accounts (NBB) ↗