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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Shrinking team NBB
FTE fell two years in a row, from 5.3 to 4.7.
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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
La Terrienne du Crédit Social from Marche-en-Famenne, company number BE0862775210, closed financial year 2025 with a result of € 288,987 after tax. For that financial year La Terrienne du Crédit Social recorded revenue of € 2.5 million and equity of € 7.5 million. Compared with financial year 2024, the result moved from € 365,167 to € 288,987. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 19, 2026.
€ 7.5 million
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 288,987
▼ 21% vs 2024
Profit after tax over the fiscal year.
€ 3.9 million
▲ 83% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 6.4 million.
People and assets in 2025
4.7
▼ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 484,882
▲ 5% vs 2024
€ 103,200 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.
€ 2,865
▼ 72% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 104.5 million
▲ 4% vs 2024
€ 4.2 million is repaid this year. At this pace the long-term loan is gone in ≈ 25 years.
€ 118,475
▲ € 100,578 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 88,855
▲ 36% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 2,255,183 | € 2,327,642 | € 2,437,781 | € 2,480,570 | ▲ 2% |
| Gross margin | € 898,204 | € 996,300 | € 842,220 | € 732,858 | ▼ 13% |
| Profit after taxes | € 396,238 | € 449,268 | € 365,167 | € 288,987 | ▼ 21% |
| Equity | € 6,435,722 | € 6,884,989 | € 7,250,156 | € 7,461,947 | ▲ 3% |
| Total debts | € 93,305,504 | € 99,764,838 | € 101,106,805 | € 105,302,507 | ▲ 4% |
| Cash | € 2,971,256 | € 2,271,261 | € 2,153,213 | € 3,943,611 | ▲ 83% |
| Land & buildings | € 670,243 | € 658,488 | € 645,803 | € 624,203 | ▼ 3% |
| Retained profit | € 5,290,118 | € 5,739,386 | € 6,104,553 | € 6,393,539 | ▲ 5% |
| Bank debt | € 92,421,817 | € 98,982,326 | € 100,287,300 | € 104,502,809 | ▲ 4% |
| Balance sheet total | € 99,741,225 | € 106,649,827 | € 108,356,961 | € 112,764,454 | ▲ 4% |
| Employees (FTE) | 5.3 | 5.3 | 4.8 | 4.7 | ▼ 0.1 |
Key figures of La Terrienne du Crédit Social, 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 La Terrienne du Crédit Social?
What happened at La Terrienne du Crédit Social in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Ghislaine LEJEUNE stepped down as director. NBB
- Geoffrey CHETTER stepped down as director. NBB
- Fabrice SARLET stepped down as director. NBB
- Marianne FOURNEAU stepped down as director. NBB
- Catherine COLLARD stepped down as director. NBB
- Martine SCHMIT stepped down as director. NBB
- MARCEL GOMAND stepped down as director. NBB
- Arnaud DELZANDRE stepped down as director. NBB
In short
From € 396,238 profit in 2022 to € 288,987 profit in 2025.
Paid € 76,400 in corporate taxes since 2022.
Best year ever: 2023, with € 449,268 profit.
On average € 155,900 of value added per employee in 2025.
A new publication or filing at La Terrienne du Crédit Social? 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 La Terrienne du Crédit Social is PHILIPPE FRERE.
Directors
According to the 2025 annual accounts
PHILIPPE FRERE
Manager
since 2009
Ghislaine LEJEUNE
Director
since 2019 · until 2031
since 2023 · until 2028
since 2019 · until 2031
Fabrice SARLET
Director
since 2025 · until 2031
Marianne FOURNEAU
Director
since 2021 · until 2031
Dominique GILLARD
Director
Also active at: VIVALIA, Centre régional d'intégration de la province de Luxembourg
since 2019 · until 2025
Catherine COLLARD
Vice-chairman of the board, Director
Also active at: Intercommunale namuroise de Services publics, Service Provincial d'Aide aux Familles, ServiNam, LOTH-INFO
since 2021 · until 2031
JOELLE ENGLEBERT
Director
since 2019 · until 2025
Martine SCHMIT
Director
since 2025 · until 2031
MARCEL GOMAND
Chairman of the board
since 2019 · until 2031
Arnaud DELZANDRE
Director
since 2025 · until 2031
since 2019 · until 2031
Thierry LAVIS
Director
since 2021 · until 2031
Marie-Christine VERMER
Vice-chairman of the board
since 2021 · until 2025
Guy LEQUEUX
Director
since 2019 · until 2031
Roch KERSTEN
Director
since 2021 · until 2025
Establishments
Establishment units
Physical locations of this company
Marche, Boulevard du Nord 15
6900 Marche-en-Famenne
Rue Capitaine Jomouton(JB) 44
5100 Namur
Active since 1 July 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0862.775.210
- VAT number
- BE 0862.775.210
- Registered office
- Marche, Boulevard du Nord 15, 6900 Marche-en-Famenne
- Names & denominations
- La Terrienne du Crédit Social
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 19 January 2004
- Peppol
- Not registered
- Activities · NACE
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