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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Tight liquidity NBB
Cash and receivables cover 14 % of short-term debt in 2024; threshold 65 %.
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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
World Savings and Retail Banking Institute from Brussel, company number BE0457991537, closed financial year 2024 with a result of € 42,517 after tax. For that financial year World Savings and Retail Banking Institute recorded a gross margin of € 611,490 and equity of € 5.8 million. Compared with financial year 2023, the result moved from € -338,218 to € 42,517. 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 October 29, 2025.
€ 5.8 million
▲ 1% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 42,517
▲ still € 338,218 loss in 2023
Profit after tax over the fiscal year.
People and assets in 2024
6.9
▲ 0.9 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 788,381
▲ 4% vs 2023
€ 114,300 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.
€ 523
▼ 82% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
None
No bank loans on the last day of the fiscal year.
€ 178,290
▲ 284% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 324,690
▲ 94% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 930,542 | € 3,062,870 | € 335,270 | € 611,490 | ▲ 82% |
| Profit after taxes | € -50,111 | € 2,235,172 | € -338,218 | € 42,517 | ▲ € 380,735 |
| Equity | € 3,885,208 | € 6,120,380 | € 5,782,162 | € 5,826,609 | ▲ 1% |
| Total debts | € 13,621,027 | € 1,587,082 | € 1,676,140 | € 6,079,138 | ▲ 263% |
| Cash | € 606 | € 6,471 | - | - | |
| Retained profit | € 3,385,207 | € 5,620,379 | € 5,282,161 | € 5,326,608 | ▲ 1% |
| Bank debt | € 0 | € 0 | € 1,430 | € 0 | ▼ 100% |
| Balance sheet total | € 17,506,235 | € 7,707,462 | € 7,458,302 | € 11,905,746 | ▲ 60% |
| Employees (FTE) | 6 | 6 | 6 | 6.9 | ▲ 0.9 |
Key figures of World Savings and Retail Banking Institute, 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 World Savings and Retail Banking Institute?
What happened at World Savings and Retail Banking Institute in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 42,517. filed late Source: NBB ↗
- Start of the company according to the CBE. KBO
In short
From € 50,111 loss in 2021 to € 42,517 profit in 2024.
Best year ever: 2022, with € 2.2 million profit.
On average € 88,600 of value added per employee in 2024.
A new publication or filing at World Savings and Retail Banking Institute? 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 World Savings and Retail Banking Institute are Asociación Popular de Ahorros y Préstamos, Banco Atlántida, Federacion Cajas Crédito de los Trabajadores, ACRI Associazione di Fondazioni e di Casse di Risparmio, Social Development Bank and Groupe BPCE.
Directors
According to the 2024 annual accounts
Asociación Popular de Ahorros y Préstamos
Director · represented by Gustavo Ariza Pujals
Banco Atlántida
Director · represented by José Faustino Laínez Mejía
Federacion Cajas Crédito de los Trabajadores
Vice-chairman of the board · represented by Macario Armando Rosales Rosa
ACRI Associazione di Fondazioni e di Casse di Risparmio
Director · represented by Guiseppe Ghisolfi
Social Development Bank
Director · represented by Sultan Abdulaziz AlHamidi
Groupe BPCE
Vice-chairman of the board · represented by Jacques Beyssade
Österreichischer Sparkassenverband
Director · represented by Stefanie Huber
Also active at: EUROPEAN SAVINGS AND RETAIL BANKING GROUP
People's Own Savings Bank
Director · represented by Garainashe Changunda
Botswana Savings bank
Director · represented by Mpho Nixon Marumoloa
Government Savings Bank
Director · represented by Vitai Ratanakorn
Tanzania Commercial Bank
Director · represented by Charles Adam Mihayo
Deutscher Sparkassen- und Giroverband e.V.
Vice-chairman of the board · represented by Ulrich Reuter
Also active at: EUROPEAN SAVINGS AND RETAIL BANKING GROUP
OTP Bank Nyrt.
Director · represented by Laszlo Bencsik
Also active at: EUROPEAN SAVINGS AND RETAIL BANKING GROUP
Al Barid Bank
Vice-chairman of the board · represented by Al-Amine Nejjar
Bank Simpanan Nasional
Director · represented by Jeremy Abdullah Jay Khairil
Caixabank
Chairman of the board · represented by Isidro Fainé Casas
Also active at: EUROPEAN SAVINGS AND RETAIL BANKING GROUP
Banque et Caisse d'Epargne de l'Etat du Luxembourg
Director · represented by Joseph Delhaye
Also active at: EUROPEAN SAVINGS AND RETAIL BANKING GROUP
Postal Savings Bank of China
Director · represented by Jianjun Liu
Lokale Pengeinstitutter
Director · represented by Jan Kondrup
Banco Estado do Chile
Director · represented by Daniel Hojman Trujillo
Republic Bank Ghana Limited
Director · represented by Benjamin Dzoboku
Independent Community Bankers of America
Vice-chairman of the board · represented by Rebeca Romero Rainey
State bank of India
Vice-chairman of the board · represented by Vinay Muralidhar Tonse
La Poste Burkina Fasso
Director · represented by Saba Ibrahim
Federación Peruana de Cajas Municipales de Ahorro y Crédito
Director · represented by Jorge Guillermo Solís Espinoza
National Savings Bank
Director · represented by Sharmila Shashi Kandambi Jassim
Sparbankernas Riksförbund
Director · represented by Björn Elfstrand
Banco Caja Social
Vice-chairman of the board · represented by Diego Fernando Prieto Rivera
Establishments
Establishment units
Physical locations of this company
Maria-Theresiastraat 11
1000 Brussel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 9 companies are registered at this address.
All companies at this address →EUROPEAN SAVINGS AND RETAIL BANKING GROUP same network
€ 3.6 million gross margin · 2024
TRIONIS
€ 10.7 million revenue · 2025
European Fund and Asset Management Association
€ 3.8 million gross margin · 2025
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What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0457.991.537
- VAT number
- BE 0457.991.537
- Registered office
- Maria-Theresiastraat 11, 1000 Brussel
- Names & denominations
- World Savings and Retail Banking Institute · WSBI
- Enterprise type
- Rechtspersoon
- Legal form
- International non-profit association
- Legal situation
- Normale toestand
- Start date
- 6 June 1996
- Peppol
- Not registered
- Activities · NACE
Activiteiten van bedrijfs- en werkgeversorganisaties