Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Busy address KBO
10 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
ALPHA CREDIT from Brussel, company number BE0445781316, closed financial year 2025 with a result of € 56.2 million after tax. For that financial year ALPHA CREDIT recorded revenue of € 780.1 million and equity of € 94.9 million. Compared with financial year 2024, the result moved from € 42.6 million to € 56.2 million. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on May 7, 2026.
€ 94.9 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 56.2 million
▲ 32% vs 2024
Profit after tax over the fiscal year.
€ 42 million
▲ 24% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 56.3 million paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
455
▼ 9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 42.4 million
▲ 4% vs 2024
€ 93,300 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.
Debts at end 2025
€ 11.4 billion
▲ 6% vs 2024
€ 2.9 billion is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 125.1 million
▲ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 252 days on average.
€ 7.2 million
▲ 2% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Revenue | € 611,358,956 | € 684,728,331 | € 780,088,924 | ▲ 14% |
| Profit after taxes | € 44,989,319 | € 42,648,943 | € 56,218,190 | ▲ 32% |
| Equity | € 94,997,753 | € 94,946,194 | € 94,907,075 | |
| Total debts | € 10,331,956,968 | € 11,107,408,495 | € 11,789,454,990 | ▲ 6% |
| Cash | € 80,257,456 | € 33,920,207 | € 41,961,485 | ▲ 24% |
| Land & buildings | € 213,528 | € 191,111 | € 165,763 | ▼ 13% |
| Retained profit | € 66,405,739 | € 66,354,180 | € 66,315,061 | |
| Dividend | € 44,902,623 | € 42,700,502 | € 56,257,309 | ▲ 32% |
| Bank debt | € 10,020,371,885 | € 10,776,390,001 | € 11,400,940,001 | ▲ 6% |
| Balance sheet total | € 10,428,366,595 | € 11,202,808,604 | € 11,884,362,065 | ▲ 6% |
| Employees (FTE) | 429 | 464 | 455 | ▼ 9 |
Key figures of ALPHA CREDIT, fiscal years 2023 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 ALPHA CREDIT?
What happened at ALPHA CREDIT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bart Ballon stepped down as director. NBB
- Gilles Zeitoun stepped down as director. NBB
- Daniel De Clercq stepped down as director. NBB
- Marleen Teunen stepped down as director. NBB
- Gaetan Vercruysse stepped down as director. NBB
- Giles Warnier de Wailly stepped down as director. NBB
- Edwin Klaps stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 56.2 million (▲ 32% vs 2024). Source: NBB ↗
In short
From € 45 million profit in 2023 to € 56.2 million profit in 2025.
Paid € 51 million in corporate taxes since 2023.
Best year ever: 2025, with € 56.2 million profit.
Paid out € 143.9 million in dividends to the owners in total.
A new publication or filing at ALPHA CREDIT? We notify you, reason included.
Follow ALPHA CREDITDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 Genfinance International comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ALPHA CREDITThe shares are held by Genfinance International (0%). It owns 100% of Creation Financial Services Ltd and 50% of EOS Aremas Belgium NV itself.
Directors
According to the 2025 annual accounts
since 2015 · until 2027
since 2025 · until 2031
since 2024 · until 2030
Gilles Zeitoun
Director
since 2025 · until 2031
Giles Warnier de Wailly
Director
since 2017 · until 2029
Daniel De Clercq
Director
since 2018 · until 2030
Marleen Teunen
Director
since 2024 · until 2030
Shareholders
Participations
Creation Financial Services Ltd
100%
Establishments
Establishment units
Physical locations of this company
Warandeberg 8 box 3
1000 Brussel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 10 companies are registered at this address.
All companies at this address →FORTIS LEASE EN-OF FORTIS LEASE BELGIUM
Forex België - F.B.
ES-FINANCE
€ 395.4 million revenue · 2024
ACE EQUIPMENT LEASING
BNP Paribas Lease Group
€ 66.6 million revenue · 2025
+5 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0445.781.316
- VAT number
- BE 0445.781.316
- Registered office
- Warandeberg 8 bus 3, 1000 Brussel
- Names & denominations
- ALPHA CREDIT
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 28 November 1991
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Verstrekken van verbruikskrediet
Verbruikskrediet
Verhuur en lease van personenauto’s en andere lichte motorvoertuigen