Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 40 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
CENTRALE DU CREDIT HYPOTHECAIRE from Waterloo, company number BE0462192132, closed financial year 2024 with a result of € 58,449 after tax. For that financial year CENTRALE DU CREDIT HYPOTHECAIRE recorded a gross margin of € 415,356 and equity of € 1.5 million. Compared with financial year 2023, the result moved from € 61,897 to € 58,449. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on November 29, 2025.
€ 1.5 million
▼ 4% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 58,449
▼ 6% vs 2023
Profit after tax over the fiscal year.
€ 48,082
▼ 66% vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 118,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2024
3.1
Average over the fiscal year, from the social balance sheet.
€ 120,993
▲ 20% vs 2023
€ 39,000 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.
€ 211,001
▲ € 164,972 vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 845,200
▼ 4% vs 2023
€ 57,758 is repaid this year. At this pace the long-term loan is gone in ≈ 15 years.
€ 170,614
▲ 114% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 67,132
▼ 42% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 855,204 | € 812,662 | € 405,516 | € 415,356 | ▲ 2% |
| Profit after taxes | € 429,022 | € 433,271 | € 61,897 | € 58,449 | ▼ 6% |
| Equity | € 1,234,012 | € 1,552,283 | € 1,530,180 | € 1,470,629 | ▼ 4% |
| Total debts | € 1,129,612 | € 1,229,691 | € 1,077,560 | € 1,200,946 | ▲ 11% |
| Cash | € 546,176 | € 424,236 | € 141,016 | € 48,082 | ▼ 66% |
| Land & buildings | € 960,937 | € 921,947 | € 1,060,921 | € 1,110,249 | ▲ 5% |
| Retained profit | € 1,227,815 | € 1,546,086 | € 1,523,982 | € 1,464,432 | ▼ 4% |
| Dividend | € 0 | € 115,000 | € 84,000 | € 118,000 | ▲ 40% |
| Bank debt | € 922,181 | € 933,074 | € 882,521 | € 845,200 | ▼ 4% |
| Balance sheet total | € 2,363,624 | € 2,781,974 | € 2,607,740 | € 2,671,574 | ▲ 2% |
| Employees (FTE) | - | 3 | - | 3.1 |
Key figures of CENTRALE DU CREDIT HYPOTHECAIRE, 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 CENTRALE DU CREDIT HYPOTHECAIRE?
What happened at CENTRALE DU CREDIT HYPOTHECAIRE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 58,449 (▼ 6% vs 2023). filed late Source: NBB ↗
- New establishment in Liège. KBO
- New establishment in Sint-Genesius-Rode. KBO
- New establishment in Nivelles. KBO
- New establishment in Charleroi. KBO
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
In short
From € 429,022 profit in 2021 to € 58,449 profit in 2024.
Paid € 454,108 in corporate taxes since 2021.
Best year ever: 2022, with € 433,271 profit.
On average € 134,000 of value added per employee in 2024.
A new publication or filing at CENTRALE DU CREDIT HYPOTHECAIRE? 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 CENTRALE DU CREDIT HYPOTHECAIRE are Sophie Vasseur and José Bada Castro.
Directors
According to the 2024 annual accounts
Sophie Vasseur
Director
José Bada Castro
Director
Establishments
Establishment units
Physical locations of this company
Rue St. Gertrude 12
1410 Waterloo
Avenue des Alliés 46
6000 Charleroi
Active since 1 May 2011
Place Emile-de-Lalieux 4
1400 Nivelles
Active since 1 December 2011
Oud Kloosterlaan 2
1640 Sint-Genesius-Rode
Active since 1 June 2018
Chaussée de Tongres 285
4000 Liège
Active since 1 April 2022
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0462.192.132
- VAT number
- BE 0462.192.132
- Registered office
- Rue St. Gertrude 12, 1410 Waterloo
- Names & denominations
- CENTRALE DU CREDIT HYPOTHECAIRE · C-CH
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 December 1997
- Peppol
- Active · Active since 25 Jan 2026
- Contact
- [email protected]
- Activities · NACE
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