Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
VLAAMS SOCIAAL WOONKREDIET from Lummen, company number BE0888860389, closed financial year 2025 with a result of € 88,274 after tax. For that financial year VLAAMS SOCIAAL WOONKREDIET recorded a gross margin of € 147,111 and equity of € 2.7 million. Compared with financial year 2024, the result moved from € 79,137 to € 88,274. 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 May 22, 2026.
€ 2.7 million
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 88,274
▲ 12% vs 2024
Profit after tax over the fiscal year.
€ 1.2 million
▲ 138% 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 € 210,706.
People and assets in 2025
0.5
Average over the fiscal year, from the social balance sheet.
€ 40,126
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
€ 4.8 million
▼ 8% vs 2024
€ 441,293 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.
€ 4,312
▼ 31% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 162,343 | € 83,089 | € 125,675 | € 147,111 | ▲ 17% |
| Profit after taxes | € -21,275 | € -1,620 | € 79,137 | € 88,274 | ▲ 12% |
| Equity | € 2,544,916 | € 2,543,296 | € 2,622,432 | € 2,710,706 | ▲ 3% |
| Total debts | € 6,146,165 | € 5,991,055 | € 5,336,944 | € 4,853,913 | ▼ 9% |
| Cash | € 2,074,675 | € 1,344,338 | € 523,064 | € 1,244,165 | ▲ 138% |
| Land & buildings | € 179,055 | € 172,283 | € 165,511 | € 158,739 | ▼ 4% |
| Retained profit | € 44,916 | € 43,296 | € 122,432 | € 210,706 | ▲ 72% |
| Bank debt | € 5,965,750 | € 5,578,832 | € 5,182,920 | € 4,759,239 | ▼ 8% |
| Balance sheet total | € 8,746,081 | € 8,629,350 | € 8,054,376 | € 7,659,619 | ▼ 5% |
| Employees (FTE) | 1 | 0.5 | 0.5 | 0.5 |
Key figures of VLAAMS SOCIAAL WOONKREDIET, 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 VLAAMS SOCIAAL WOONKREDIET?
What happened at VLAAMS SOCIAAL WOONKREDIET in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 88,274 (▲ 12% vs 2024). Source: NBB ↗
- Johan Jacobs became a director. NBB
- New establishment in Lummen. KBO
- Start of the company according to the CBE. KBO
In short
From € 21,275 loss in 2022 to € 88,274 profit in 2025.
Paid € 54,865 in corporate taxes since 2022.
Best year ever: 2025, with € 88,274 profit.
On average € 162,300 of value added per employee in 2022.
A new publication or filing at VLAAMS SOCIAAL WOONKREDIET? We notify you, reason included.
Follow VLAAMS SOCIAAL WOONKREDIETDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 L'Abri, Société Nationale du Crédit Hypothécaire comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
VLAAMS SOCIAAL WOONKREDIETBehind VLAAMS SOCIAAL WOONKREDIET are Pieter Jacobs and Johan Jacobs. The shares are held by L'Abri (84%) and Société Nationale du Crédit Hypothécaire (16%).
Directors
According to the 2025 annual accounts
Johan Jacobs
Managing director, Chairman of the board
Also active at: L'Abri, RUBICON, Société Nationale du Crédit Hypothécaire, AIR-INVEST
since 2023
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Dorpsstraat 15
3560 Lummen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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.
Details
- Company number
- 0888.860.389
- VAT number
- BE 0888.860.389
- Registered office
- Dorpsstraat 15, 3560 Lummen
- Names & denominations
- VLAAMS SOCIAAL WOONKREDIET · VSW Krediet
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 18 April 2007
- Peppol
- Not registered
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen