Warning lights
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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2024
CREDIT HABITAT from Blégny, company number BE0448647269, closed financial year 2024 with a result of € 320,556 after tax. For that financial year CREDIT HABITAT recorded a gross margin of € 666,960 and equity of € 4 million. Compared with financial year 2023, the result moved from € 248,041 to € 320,556. 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 September 29, 2025.
€ 4 million
▲ 9% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 320,556
▲ 29% vs 2023
Profit after tax over the fiscal year.
€ 40,748
▼ 49% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 4 million.
People and assets in 2024
€ 90,867
▼ 11% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 74,409
▼ 22% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 2.1 million
▼ 4% vs 2023
€ 213,256 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 5,992
▲ 85% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 3,975
▼ 78% vs 2023
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 616,305 | € 702,093 | € 663,913 | € 666,960 | |
| Profit after taxes | € 227,401 | € 194,863 | € 248,041 | € 320,556 | ▲ 29% |
| Equity | € 3,279,409 | € 3,474,273 | € 3,722,314 | € 4,042,870 | ▲ 9% |
| Total debts | € 2,458,395 | € 2,911,531 | € 2,497,849 | € 2,320,163 | ▼ 7% |
| Cash | € 396,030 | € 382,734 | € 79,300 | € 40,748 | ▼ 49% |
| Land & buildings | € 2,480,849 | € 2,759,848 | € 2,660,009 | € 2,565,173 | ▼ 4% |
| Retained profit | € 3,260,817 | € 3,455,681 | € 3,703,722 | € 4,024,278 | ▲ 9% |
| Bank debt | € 2,356,693 | € 2,458,089 | € 2,149,314 | € 2,066,411 | ▼ 4% |
| Balance sheet total | € 5,737,804 | € 6,385,804 | € 6,220,163 | € 6,363,032 | ▲ 2% |
| Employees (FTE) | 2.4 | 2.5 | 2.9 | - |
Key figures of CREDIT HABITAT, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to CREDIT HABITAT?
What happened at CREDIT HABITAT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 320,556 (▲ 29% vs 2023). filed late Source: NBB ↗
- Manon FREDERICK became a director. NBB
- New establishment in Blégny. KBO
- Start of the company according to the CBE. KBO
In short
From € 227,401 profit in 2021 to € 320,556 profit in 2024.
Paid € 342,371 in corporate taxes since 2021.
Best year ever: 2024, with € 320,556 profit.
On average € 228,900 of value added per employee in 2023.
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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
Behind CREDIT HABITAT is Manon FREDERICK. It owns 100% of Immo Automation and 50% of Upgrade Best Components itself.
Directors
According to the 2024 annual accounts
since 2024
Establishments
Establishment units
Physical locations of this company
Rue de Saive 3
4671 Blégny
Rue de Saive 13
4671 Blégny
Active since 14 December 1992
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0448.647.269
- VAT number
- BE 0448.647.269
- Registered office
- Rue de Saive 3, 4671 Blégny
- Names & denominations
- CREDIT HABITAT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 October 1992
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars