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Complete company report
Generated 10-08-2026
Active BE 0403.977.482Public limited company

CREDISSIMO

Rue des Prémontrés 4 ·4000 Liège, Belgium· 113 yrs active
Sector: Financial services (64922)
Conclusion Checked

CREDISSIMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 1912 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 113 yrs
Board 7
Locations 2
Publications 14
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1912, 113 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No administrative flags
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (volledig). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2025 volledig 13-04-2026 2026-00081254
31-12-2024 volledig 12-02-2025 2025-00035594
31-12-2023 volledig 19-02-2024 2024-00033836
31-12-2022 volledig 16-02-2023 2023-00027928
31-12-2021 volledig 11-02-2022 2022-05500460
31-12-2020 volledig 12-02-2021 2021-05300583
31-12-2019 volledig 14-02-2020 2020-05100208
31-12-2018 volledig 14-02-2019 2019-05100532
31-12-2017 volledig 19-02-2018 2018-05300034
31-12-2016 volledig 15-02-2017 2017-04500491
Directors & mandates 25 directors
Current directors & mandates
  • Benjamin Henrion
    Auditor
    State Gazette act 24101705 (05-07-2024)
    Current
    05-07-2024 → present
  • SRL Defoitte Bedrijf revisorenLegal entity
    Auditor
    State Gazette act 24101705 (05-07-2024)
    Current
    05-07-2024 → present
  • Karadeg Lamberty
    Director
    State Gazette act 23348602 (25-05-2023)
    Current
    25-05-2023 → present
  • Anne-Michèle KOCH
    Director
    State Gazette act 23029345 (28-02-2023)
    Current
    28-02-2023 → present
  • Brieuc Lefrancq
    Auditor
    State Gazette act 22024042 (22-02-2022)
    Current
    22-02-2022 → present
  • Yves DEGEY
    Director
    State Gazette act 23029345 (28-02-2023)
    Current
    01-03-2021 → present
    2 events
    • 28-02-2023 Appointed· Director
    • 01-03-2021 Appointed· Director
  • Bernard JOUAN
    Administrateur président
    State Gazette act 23029345 (28-02-2023)
    Current
    13-03-2017 → present
    2 events
    • 28-02-2023 Appointed· Administrateur président
    • 13-03-2017 Appointed· Administrateur président
Historic, not recently confirmed (9)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • BALTUS Françoise
    Membre du personnel
    State Gazette act 20026675 (18-02-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • BOURGUIGNON Christian
    Membre du personnel
    State Gazette act 20026675 (18-02-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • DELCHAMBRE Ingrid
    Membre du personnel
    State Gazette act 20026675 (18-02-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • ENGLEBERT Martine
    Membre du personnel
    State Gazette act 20026675 (18-02-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • GERARD Christian
    Membre du personnel
    State Gazette act 20026675 (18-02-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • HAZEE Philippe
    Director (executive)
    State Gazette act 20026675 (18-02-2020)
    Not recently confirmed
    last confirmed in an act from 2020
    2 events
    • 18-02-2020 Appointed· Director (executive)
    • 12-12-2017 Appointed· Director (executive)
  • HERMESSE Delphine
    Membre du personnel
    State Gazette act 20026675 (18-02-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • PINSART Vincent
    Membre du personnel
    State Gazette act 20026675 (18-02-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • TILMAN Stéphane
    Membre du personnel
    State Gazette act 20026675 (18-02-2020)
    Not recently confirmed
    last confirmed in an act from 2020
Former directors (9)
  • SRL PwC Reviseurs d'EntreprisesLegal entity
    Auditor
    State Gazette act 24101705 (05-07-2024)
    Former
    - → 05-07-2024
  • Pascal MACKELS
    Director
    State Gazette act 19047483 (05-04-2019)
    Former
    13-03-2017 → 25-05-2023
    3 events
    • 25-05-2023 Resigned· Director
    • 05-04-2019 Appointed· Director
    • 13-03-2017 Appointed· Director
  • Bernard DUBOIS
    Director
    State Gazette act 17038830 (13-03-2017)
    Former
    13-03-2017 → 28-02-2023
    2 events
    • 28-02-2023 Resigned· Director
    • 13-03-2017 Appointed· Director
  • Anne FAWAY
    Director
    State Gazette act 17038830 (13-03-2017)
    Former
    13-03-2017 → 01-03-2021
    2 events
    • 01-03-2021 Resigned· Director
    • 13-03-2017 Appointed· Director
  • Yves VAN EYLEN
    Director
    State Gazette act 17038830 (13-03-2017)
    Former
    28-04-2016 → 27-06-2019
    3 events
    • 27-06-2019 Resigned· Director
    • 13-03-2017 Appointed· Director
    • 28-04-2016 Appointed· Director
  • Yves Van Eylén
    Director
    State Gazette act 17149810 (24-10-2017)
    Former
    - → 24-10-2017
  • Guy Uerlings
    Director
    State Gazette act 15055179 (16-04-2015)
    Former
    16-04-2015 → 13-03-2017
    2 events
    • 13-03-2017 Resigned· Director
    • 16-04-2015 Appointed· Director
  • Lionel HENRION
    Director
    State Gazette act 17038830 (13-03-2017)
    Former
    - → 13-03-2017
  • Philippe Rondia
    Director
    State Gazette act 15055179 (16-04-2015)
    Former
    - → 16-04-2015
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Statutory auditor 5 auditor
Statutory auditor IRE/IBR number Tenure
Brieuc Lefranc
Commissaire
 - 06-11-2018 → 06-11-2018
Brieuc LEFRANCQ
Commissaire
 - 05-04-2019 → 05-04-2019
Damien Walgrave
Commissaire
 - - → 16-04-2015
Kurt Marichal
Commissaire
succeeded by Brieuc Lefranc in 2018
 - 16-04-2015 → 06-11-2018
Marichal Kurt
Commissaire
succeeded by Brieuc Lefranc in 2018
 - 28-04-2016 → 06-11-2018
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
NACE primary Financial services(64922)
Legal form Public limited company(014)
Incorporation11-10-1912
StatusActive
Postal code4000
Establishment units 2 locations
CREDISSIMO
Rue des Prémontrés 4, 4000 LiègeOverige kredietverstrekking
since 19122.003.250.433
CREDISSIMO
Rue Cockerill 134-136, 4100 SeraingOverige kredietverstrekking
since 20052.145.305.943
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62803A1417/00S000 Wallonia 1,265 m² 1 · 490 m² -
62352E0126/00V017 Wallonia 693 m² 1 · 54 m² 11.6 m · 4 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 24 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
13-04-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
12-02-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
05-07-2024
State Gazette act Director changes
v3.2
19-02-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
25-05-2023
State Gazette act Statutes amendment
v3.2
28-02-2023
State Gazette act Director changes
v3.2
16-02-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2022
22-02-2022
State Gazette act Director changes
v3.2
11-02-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
01-03-2021
State Gazette act Director changes
v3.2
12-02-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
18-02-2020
State Gazette act Director changes
v3.2
14-02-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
27-06-2019
State Gazette act Director changes
v3.2
05-04-2019
State Gazette act Director changes
v3.2
14-02-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
06-11-2018
State Gazette act Director changes
v3.2
19-02-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
12-12-2017
State Gazette act Director changes
v3.2
24-10-2017
State Gazette act Director changes
v3.2
13-03-2017
State Gazette act Director changes
v3.2
15-02-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
28-04-2016
State Gazette act Director changes
v3.2
2015
16-04-2015
State Gazette act Director changes
v3.2
Belgisch Staatsblad, acts 14 acts
All acts · 14 updated 2 years ago
2024
05-07-2024 2 directors appointed, 1 resigning Director changes
  • SRL Defoitte Bedrijf revisoren, Auditor
  • Benjamin Henrion, Auditor
  • SRL PwC Reviseurs d'Entreprises, Auditor
Summary: v3.2
Technical details 
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        "name": "SRL PwC Reviseurs d\u0027Entreprises",
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    },
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      "role": "auditor",
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        "name": "SRL Defoitte Bedrijf revisoren",
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    },
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      "role": "auditor",
      "person": {
        "rrn": null,
        "name": "Benjamin Henrion",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
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  "subject_company": {
    "kbo": "0403.977.482",
    "name_full": "CREDISSIMO"
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}
2023
25-05-2023 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
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  "name_change": {
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    "changed": false
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  "seat_change": {
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  "object_change": {
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  },
  "subject_company": {
    "kbo": "0403.977.482",
    "name_full": "CREDISSIMO"
  },
  "legal_form_change": {
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    "old": "Soci\u00E9t\u00E9 anonyme",
    "changed": false
  }
}
28-02-2023 3 directors appointed, 1 resigning Director changes
  • Bernard JOUAN, Administrateur président
  • Yves DEGEY, Bestuurder
  • Anne-Michèle KOCH, Bestuurder
  • Bernard DUBOIS, Bestuurder
Summary: v3.2
Technical details 
{
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      "kind": "director_in",
      "role": "Administrateur - Pr\u00E9sident",
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        "rrn": null,
        "name": "Bernard JOUAN",
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    },
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      "kind": "director_in",
      "role": "Administrateur",
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        "rrn": null,
        "name": "Yves DEGEY",
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    },
    {
      "kind": "director_in",
      "role": "Administrateur",
      "person": {
        "rrn": null,
        "name": "Anne-Mich\u00E8le KOCH",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "Administrateur",
      "person": {
        "rrn": null,
        "name": "Bernard DUBOIS",
        "address": null,
        "birth_date": null
      }
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  ],
  "schema": "v3.2",
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  "subject_company": {
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  }
}
2022
22-02-2022 Brieuc Lefrancq appointed as auditor Director changes
  • Brieuc Lefrancq, Auditor
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "auditor",
      "person": {
        "rrn": null,
        "name": "Brieuc Lefrancq",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
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  "subject_company": {
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  }
}
2021
01-03-2021 1 director appointed, 1 resigning Director changes
  • Yves DEGEY, Bestuurder
  • Anne FAWAY, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "Administrateur",
      "person": {
        "rrn": null,
        "name": "Anne FAWAY",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "Administrateur",
      "person": {
        "rrn": null,
        "name": "Yves DEGEY",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.977.482",
    "name_full": "CREDISSIMO"
  }
}
2020
18-02-2020 9 directors appointed Director changes
  • HAZEE Philippe, Directeur
  • BALTUS Françoise, Membre du personnel
  • BOURGUIGNON Christian, Membre du personnel
  • PINSART Vincent, Membre du personnel
  • ENGLEBERT Martine, Membre du personnel
  • GERARD Christian, Membre du personnel
  • DELCHAMBRE Ingrid, Membre du personnel
  • TILMAN Stéphane, Membre du personnel
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "Directeur",
      "person": {
        "rrn": null,
        "name": "HAZEE Philippe",
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    },
    {
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      "role": "membre du personnel",
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        "name": "BALTUS Fran\u00E7oise",
        "address": null,
        "birth_date": null
      }
    },
    {
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      "role": "membre du personnel",
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      }
    },
    {
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      "role": "membre du personnel",
      "person": {
        "rrn": null,
        "name": "PINSART Vincent",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "membre du personnel",
      "person": {
        "rrn": null,
        "name": "ENGLEBERT Martine",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "membre du personnel",
      "person": {
        "rrn": null,
        "name": "GERARD Christian",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "membre du personnel",
      "person": {
        "rrn": null,
        "name": "DELCHAMBRE Ingrid",
        "address": null,
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      }
    },
    {
      "kind": "director_in",
      "role": "membre du personnel",
      "person": {
        "rrn": null,
        "name": "TILMAN St\u00E9phane",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "membre du personnel",
      "person": {
        "rrn": null,
        "name": "HERMESSE Delphine",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
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  }
}
2019
27-06-2019 Yves Van Eylen resigns as director Director changes
  • Yves Van Eylen, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "Administrateur",
      "person": {
        "rrn": null,
        "name": "Yves Van Eylen",
        "address": null,
        "birth_date": null
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    }
  ],
  "schema": "v3.2",
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  "subject_company": {
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  }
}
05-04-2019 2 directors appointed Director changes
  • Pascal MACKELS, Bestuurder
  • Brieuc LEFRANCQ, Commissaire
Summary: v3.2
Technical details 
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  "events": [
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      "role": "Administrateur",
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      "role": "Commissaire",
      "person": {
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}
2018
06-11-2018 Brieuc Lefranc appointed as commissaire Director changes
  • Brieuc Lefranc, Commissaire
Summary: v3.2
Technical details 
{
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      "role": "commissaire",
      "person": {
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        "name": "Brieuc Lefranc",
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  "schema": "v3.2",
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}
2017
12-12-2017 HAZEE Philippe appointed as director (executive) Director changes
  • HAZEE Philippe, Directeur
Summary: v3.2
Technical details 
{
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  "schema": "v3.2",
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  "subject_company": {
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  }
}
24-10-2017 Yves Van Eylén resigns as director Director changes
  • Yves Van Eylén, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "Administrateur",
      "person": {
        "rrn": null,
        "name": "Yves Van Eyl\u00E9n",
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        "birth_date": null
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  ],
  "schema": "v3.2",
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  "subject_company": {
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  }
}
13-03-2017 5 directors appointed, 2 resigning Director changes
  • Bernard JOUAN, Administrateur président
  • Bernard DUBOIS, Bestuurder
  • Anne FAWAY, Bestuurder
  • Pascal MACKELS, Bestuurder
  • Yves VAN EYLEN, Bestuurder
  • Guy UERLINGS, Bestuurder
  • Lionel HENRION, Bestuurder
Summary: v3.2
Technical details 
{
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      "role": "Administrateur - Pr\u00E9sident",
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        "rrn": null,
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      "person": {
        "rrn": null,
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        "name": "Lionel HENRION",
        "address": null,
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    },
    {
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      "role": "Administrateur",
      "person": {
        "rrn": null,
        "name": "Yves VAN EYLEN",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.977.482",
    "name_full": "CREDISSIMO"
  }
}
2016
28-04-2016 2 directors appointed Director changes
  • Yves Van Eylen, Bestuurder
  • Marichal Kurt, Commissaire
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "Administrateur",
      "person": {
        "rrn": null,
        "name": "Yves Van Eylen",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "Commissaire",
      "person": {
        "rrn": null,
        "name": "Marichal Kurt",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.977.482",
    "name_full": "CREDISSIMO"
  }
}
2015
16-04-2015 2 directors appointed, 2 resigning Director changes
  • Guy Uerlings, Bestuurder
  • Kurt Marichal, Commissaire
  • Philippe Rondia, Bestuurder
  • Damien Walgrave, Commissaire
Summary: v3.2
Technical details 
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  "events": [
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      "kind": "director_out",
      "role": "Administrateur",
      "person": {
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        "name": "Philippe Rondia",
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        "birth_date": null
      }
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    {
      "kind": "director_in",
      "role": "Administrateur",
      "person": {
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        "name": "Guy Uerlings",
        "address": null,
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      }
    },
    {
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      "role": "Commissaire",
      "person": {
        "rrn": null,
        "name": "Kurt Marichal",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "Commissaire",
      "person": {
        "rrn": null,
        "name": "Damien Walgrave",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
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Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Verstrekken van hypothecair krediet64922Verstrekken van hypothecair krediet64922Overige kredietverstrekking65222
Primary activity highlighted.
Names & trade names
Legal nameFR CREDISSIMO
Registered office
Rue des Prémontrés 4
4000 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same NACE
COTO&CO - CREDO&CO BE 1038.392.918 · Liège
ELANTIS BE 0404.228.296 · Liège
Le Travailleur chez Lui BE 0402.439.340 · Liège
CREDIALYS BE 0401.465.578 · Huy
CREDIT SOCIAL LOGEMENT BE 0202.268.754 · Verviers
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative