Financials
Financial year 2025
L'Observatoire du Crédit et de l'Endettement from Charleroi, company number BE0452320403, closed financial year 2025 with a result of € 38,479 after tax. For that financial year L'Observatoire du Crédit et de l'Endettement recorded a gross margin of € 778,920 and equity of € 568,330. Compared with financial year 2024, the result moved from € 60,841 to € 38,479. 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 26, 2026.
€ 568,330
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 38,479
▼ 37% vs 2024
Profit after tax over the fiscal year.
€ 328,797
▼ 34% vs 2024
Cash and bank balances on the last day of the fiscal year.
People and assets in 2025
9.3
▲ 2.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 703,562
▲ 18% vs 2024
€ 75,700 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
None
No bank loans on the last day of the fiscal year.
€ 25,463
▲ 112% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 96,073
▲ 23% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 677,594 | € 736,500 | € 655,053 | € 778,920 | ▲ 19% |
| Profit after taxes | € 66,872 | € 40,092 | € 60,841 | € 38,479 | ▼ 37% |
| Equity | € 415,584 | € 455,676 | € 536,518 | € 568,330 | ▲ 6% |
| Total debts | € 155,541 | € 123,823 | € 94,896 | € 149,272 | ▲ 57% |
| Cash | € 247,290 | € 352,031 | € 501,198 | € 328,797 | ▼ 34% |
| Retained profit | € 415,584 | € 455,676 | € 516,518 | € 554,996 | ▲ 7% |
| Bank debt | € 54 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 590,108 | € 606,584 | € 657,904 | € 771,107 | ▲ 17% |
| Employees (FTE) | 8 | 8.7 | 6.8 | 9.3 | ▲ 2.5 |
Key figures of L'Observatoire du Crédit et de l'Endettement, 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 L'Observatoire du Crédit et de l'Endettement?
What happened at L'Observatoire du Crédit et de l'Endettement in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 38,479 (▼ 37% vs 2024). Source: NBB ↗
- Association Belge de Recherche et d'Expertise des Organisati became a director. NBB
- Vincent Magnée became a director. NBB
- Centre Public d'Action sociale de Herstal became a director. NBB
- Centre Public d'Aide Sociale de Charleroi became a director. NBB
- Jean-Marc Delporte became a director. NBB
- Agricall Wallonie ASBL became a director. NBB
- Robert Geurts became a director. NBB
In short
From € 66,872 profit in 2022 to € 38,479 profit in 2025.
Best year ever: 2022, with € 66,872 profit.
On average € 83,800 of value added per employee in 2025.
A new publication or filing at L'Observatoire du Crédit et de l'Endettement? 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
Behind L'Observatoire du Crédit et de l'Endettement are Denis Maréchal, Jean-Marc Delporte, Bertel De Groote, Association Belge de Recherche et d'Expertise des Organisati, Union des Villes et Communes de Wallonie and CPAS de Silly. Jean-Marc Delporte is also behind OUD - HEVERLEE LEUVEN and JM&Q CONSULTING.
Directors
According to the 2025 annual accounts
Denis Maréchal
Director
since 2015
Bertel De Groote
Director
since 2007
Association Belge de Recherche et d'Expertise des Organisati
Director · represented by Leen De Cort
since 2018
Union des Villes et Communes de Wallonie
Director · represented by Gilles Geominne
Also active at: MISSION REGIONALE POUR L'INSERTION ET L'EMPLOI A CHARLEROI, MISSION REGIONALE POUR L'EMPLOI ET L'INSERTION DU SUD DE L'ENTRE-SAMBRE-ET-MEUSE, Mission régionale pour l'Insertion et l'Emploi pour Verviers, Mission régionale pour l'Emploi de liège, Mission régionale pour l'emploi du Centre, INFORUM
Director · represented by Emilie Libberecht
Verbraucherschutzzentrale Ostbelgien ASBL
Director · represented by Marie-Christine Calmant
Also active at: Belgische Vereniging voor Onderzoek en Expertise voor de Consumentenorganisaties
since 2004
Director · represented by Félician David
Centre Public d'Action sociale de Herstal
Director · represented by Gaëlle Parrado Caemona
Also active at: CENTRE REGIONAL POUR L'INTEGRATION DES PERSONNES ETRANGERES OU D'ORIGINE ETRANGERE DE LIEGE
since 2016
Director · represented by Marie Van de Putte
since 2011
Vincent Magnée
Chairman of the board
since 2017
Robert Geurts
Director
since 2011
Union Professionnelle du Crédit
Director · represented by Ivo Van Bulck
since 2007
Centre Public d'Aide Sociale de Charleroi
Director · represented by Véronique Pisano
Also active at: CONCERTATION DES ATELIERS D'INSERTION PROFESSIONELLE ET SOCIALE, MISSION REGIONALE POUR L'INSERTION ET L'EMPLOI A CHARLEROI, Le RESTAURANT du COEUR de CHARLEROI
since 2016
Establishments
Establishment units
Physical locations of this company
Place du Perron 38
6030 Charleroi
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
OVH, FR
DNS
OVH DNS
Website info
Features
Security
Details
- Company number
- 0452.320.403
- VAT number
- BE 0452.320.403
- Registered office
- Place du Perron 38, 6030 Charleroi
- Names & denominations
- L'Observatoire du Crédit et de l'Endettement
- Enterprise type
- Rechtspersoon
- Legal form
- Non-profit association
- Legal situation
- Normale toestand
- Start date
- 31 March 1994
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Verenigingen en bewegingen voor volwassenen