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 2025
Société Nationale du Crédit Hypothécaire from Brussel, company number BE0462100575, closed financial year 2025 with a result of € 20,539 after tax. For that financial year Société Nationale du Crédit Hypothécaire recorded a gross margin of € 54,152 and equity of € 511,395. Compared with financial year 2024, the result moved from € 24,366 to € 20,539. 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 April 27, 2026.
€ 511,395
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 20,539
▼ 16% vs 2024
Profit after tax over the fiscal year.
€ 200,638
▼ 4% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 20,000 paid out
97 % of the profit went to the shareholders, mostly to RUBICON (97 % of the shares). That is where the money ends up.
People and assets in 2025
0.5
Average over the fiscal year, from the social balance sheet.
€ 28,524
▲ 13% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 19,014
▲ 86% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 4,455
▲ 7% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2021 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 57,930 | € 42,244 | € 55,490 | € 54,152 | ▼ 2% |
| Profit after taxes | € 24,227 | € 13,909 | € 24,366 | € 20,539 | ▼ 16% |
| Equity | € 482,290 | € 506,490 | € 510,856 | € 511,395 | |
| Total debts | € 26,246 | € 19,620 | € 34,871 | € 40,277 | ▲ 16% |
| Cash | € 174,338 | € 187,000 | € 210,006 | € 200,638 | ▼ 4% |
| Retained profit | € 418,790 | € 442,990 | € 447,356 | € 447,895 | |
| Dividend | € 0 | € 0 | € 20,000 | € 20,000 | |
| Balance sheet total | € 508,536 | € 526,109 | € 545,727 | € 551,672 | ▲ 1% |
| Employees (FTE) | - | 0.5 | 0.5 | 0.5 |
Key figures of Société Nationale du Crédit Hypothécaire, fiscal years 2021 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 Société Nationale du Crédit Hypothécaire?
What happened at Société Nationale du Crédit Hypothécaire in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 20,539 (▼ 16% vs 2024). Source: NBB ↗
- Johan Jacobs Management BV became a director. NBB
- New establishment in Lummen. KBO
- New establishment in Brussel. KBO
- Start of the company according to the CBE. KBO
In short
From € 24,227 profit in 2021 to € 20,539 profit in 2025.
Paid € 31,186 in corporate taxes since 2021.
Best year ever: 2024, with € 24,366 profit.
Paid out € 40,000 in dividends to the owners in total.
A new publication or filing at Société Nationale du Crédit Hypothécaire? 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
The stake of RUBICON comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Société Nationale du Crédit HypothécaireBehind Société Nationale du Crédit Hypothécaire is Johan Jacobs Management BV. The shares are held by RUBICON (97%). It owns 16% of Vlaams Sociaal Woonkrediet itself.
Directors
According to the 2025 annual accounts
statutair bestuurder · represented by Johan Jacobs
since 2023
Shareholders
97%
Participations
Establishments
Establishment units
Physical locations of this company
Kunstlaan 56 box 4C
1000 Brussel
Dorpsstraat 15
3560 Lummen
Active since 1 January 2017
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0462.100.575
- VAT number
- BE 0462.100.575
- Registered office
- Kunstlaan 56 bus 4C, 1000 Brussel
- Names & denominations
- Société Nationale du Crédit Hypothécaire · NMHK - SNCH · Nationale Maatschappij voor Hypothecair Krediet
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 12 December 1997
- Peppol
- Not registered
- Activities · NACE
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