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HYPOSTART

Active Risk: not assessed
Public limited companyfounded 196858 yrs activeDe Lange Beemden 14, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0400.941.184
Summary

HYPOSTART is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €17.42M and a net result of €868k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 15% of 2394 sector peers (fiscal year 2025). The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term

Signals

Two signals. The signal on the left, the evidence on the right.
+raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2394 sector peers (2025).
NBB · sector comparison
Position among 2394 sector peers
Solvency
better than 15%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
58 d early
2024
72 d early
2023
96 d early
2022
101 d early
2021
125 d early
2020
134 d early
2019
53 d early
← before the deadline after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, full schema

Equity
€17.42M▲ 5.2%
2024 · €16.55M
2019: €13.38M 2020: €13.74M 2021: €14.45M 2022: €15.02M 2023: €15.84M 2024: €16.55M
2019 → 2025
Net result
€868k▲ 23.0%
2024 · €706k
2019: €450k 2020: €364k 2021: €714k 2022: €565k 2023: €824k 2024: €706k
2019 → 2025
Total assets
€107.13M▼ 4.1%
2024 · €111.76M
2019: €87.81M 2020: €99.40M 2021: €119.00M 2022: €120.76M 2023: €117.22M 2024: €111.76M
2019 → 2025
Solvency
16.3%▲ 1.4pp
2024 · 14.8%
2019: 15.2% 2020: 13.8% 2021: 12.1% 2022: 12.4% 2023: 13.5% 2024: 14.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€2.94M-€3.25M▲ 10.5%€3.51M▲ 8.0%€3.33M▼ 5.2%€3.04M▼ 8.8%
Equity€14.45M-€15.02M▲ 3.9%€15.84M▲ 5.5%€16.55M▲ 4.5%€17.42M▲ 5.2%
Operating result€804k-€526k▼ 34.7%€875k▲ 66.5%€740k▼ 15.4%€916k▲ 23.7%
Net result€714k-€565k▼ 20.9%€824k▲ 46.0%€706k▼ 14.4%€868k▲ 23.0%
Result per fiscal year
Operating resultNet result
€0€250k€500k€750k€1.00MOperating result 2021: €804k€804kNet result 2021: €714k€714kOperating result 2022: €526k€526kNet result 2022: €565k€565kOperating result 2023: €875k€875kNet result 2023: €824k€824kOperating result 2024: €740k€740kNet result 2024: €706k€706kOperating result 2025: €916k€916kNet result 2025: €868k€868k20212022202320242025€0€250k€500k€750k€1MOperating result 2023: €875k€875kNet result 2023: €824k€824kOperating result 2024: €740k€740kNet result 2024: €706k€706kOperating result 2025: €916k€916kNet result 2025: €868k€868k202320242025
The operating result recovers in 2025; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107.13M
Fixed assets €157 =
Current assets €107.13M ▼ 4.1%
Equity and liabilities €107.13M
Equity €17.42M ▲ 5.2%
Provisions €466k ▲ 392%
Debt €89.25M ▼ 6.2%
Debt's share of the balance-sheet total falls from 85.1% to 83.3%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
5.0%
2024 · 4.3%
ROA
0.8%
2024 · 0.6%
Debt ≤ 1 year
€23.77M
2024 · €22.79M
Debt > 1 year
€65.09M
2024 · €71.89M
Income taxes
€47k
2024 · €37k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 72 lines
Balance sheet Code20242025
Assets
Total assets20/58€111.76M€107.13M
Fixed assets21/28€157€157=
Financial fixed assets28€157€157=
Other financial fixed assets284/8€157€157=
Amounts receivable and cash guarantees285/8€157€157=
Current assets29/58€111.76M€107.13M
Amounts receivable after more than one year29€101.20M€95.33M
Trade receivables290€99.50M€88.63M
Other amounts receivable291€1.69M€6.70M
Amounts receivable within one year40/41€9.93M€10.86M
Trade receivables40€9.43M€10.42M
Other amounts receivable41€493k€445k
Current investments50/53€100k€100k=
Other investments51/53€100k€100k=
Cash at bank and in hand54/58€533k€831k
Deferred charges and accrued income490/1€4k€4k
Equity and liabilities
Total equity and liabilities10/49€111.76M€107.13M
Equity10/15€16.55M€17.42M
Contributions10/11€6.00M€6.00M=
Capital10€6.00M€6.00M=
Issued capital100€6.00M€6.00M=
Outside capital11€4k€4k=
Share premium1100/10€4k€4k=
Reserves13€5.79M€5.84M
Non-distributable reserves130/1€308k€351k
Legal reserve130€308k€351k
Distributable reserves133€5.49M€5.49M=
Profit (loss) carried forward14€4.75M€5.58M
Provisions and deferred taxes16€95k€466k
Provisions for liabilities and charges160/5€89k€460k
Other liabilities and charges164/5€89k€460k
Deferred taxes168€6k€6k=
Amounts payable17/49€95.11M€89.25M
Amounts payable after more than one year17€71.89M€65.09M
Financial debts170/4€71.89M€65.09M
Credit institutions173€71.89M€65.09M
Amounts payable within one year42/48€22.79M€23.77M
Current portion of amounts payable after more than one year42€6.82M€6.79M
Trade debts44€344k€123k
Suppliers440/4€344k€123k
Taxes, remuneration and social security45€43k€3k
Taxes450/3€43k€3k
Other amounts payable47/48€15.59M€16.85M
Accrued charges and deferred income492/3€437k€386k
Income statement Code20242025
Operating income70/76A€3.73M€4.38M
Turnover70€3.33M€3.04M
Other operating income74€395k€1.34M
Non-recurring operating income76A€786€3k
Operating charges60/66A€2.99M€3.46M
Goods for resale, raw materials and consumables60€1.79M€1.89M
Purchases600/8€1.79M€1.89M
Services and other goods61€921k€1.33M
Remuneration, social security and pensions62€258-
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€269k€249k
Other operating charges640/8€582€1k
Operating profit (loss)9901€740k€916k
Financial income75/76B€9k€5k
Recurring financial income75€9k€5k
Income from current assets751€8k€5k
Other financial income752/9€1k€2
Financial charges65/66B€6k€6k
Recurring financial charges65€6k€6k
Other financial charges652/9€6k€6k
Profit (loss) for the period before taxes9903€743k€915k
Income taxes67/77€37k€47k
Taxes670/3€37k€47k
Profit (loss) for the period9904€706k€868k
Profit (loss) for the period to be appropriated9905€706k€868k
Appropriation of the result
Profit (loss) to be appropriated9906€4.79M€5.62M
Profit (loss) brought forward from the previous period14P€4.08M€4.75M
Transfer to equity691/2€36k€43k
To the legal reserve6920€36k€43k

The notes to these accounts (33 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
03-06
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial Highest result since 2019net €868k ▲23%
Operating result €916k, net result €868k, both a record.
04-12
State Gazette act Resignations & appointments
Power of attorney · Management decision6 facts ▸
  • Board meeting, 07/11/2025
  • Power of attorney, Johan Vandenberghe
  • Management decision, 07/11/2025
  • Power of attorney, Bart Cornu
  • Management decision, 13/11/2025
  • Power of attorney, Walter Kloeck
08-10
State Gazette act Resignations & appointments
Power of attorney2 facts ▸
  • Board meeting, 18/09/2025
  • Power of attorney, Yves FLYPO
20-05
State Gazette act Resignation: HypoStart (director)
Appointments: ABC-Group NV, Patronale Life and 5 others · Permanent representatives: Filip Moeykens and Werner Van Walle · Management decision16 facts ▸
  • Management decision, 24/03/2025
  • Power of attorney, Walter Kloeck
  • General meeting, 28/03/2025
  • Director resignation, HypoStart
  • Director appointment, ABC-Group NV (director)
  • Director appointment, Patronale Life (director)
  • Director appointment, Graaf Thierry de Hemricourt de Grunne (director)
  • Director appointment, Olivier Nokerman (director)
  • Director appointment, Johan Vandenberghe (director)
  • Director appointment, Bart Cornu (director)
  • Director appointment, Laura De Geyter (director)
  • Board meeting, 28/03/2025
  • +4 further facts in this act
20-05
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
26-04
NBB filing Annual accounts filed
fiscal year 2023 · full schema
23-02
State Gazette act Resignations & appointments
Management decision · Power of attorney3 facts ▸
  • Management decision, 08/01/2024
  • Power of attorney, Johan Vandenberghe
  • Power of attorney, Yves Flypo
2023
03-07
State Gazette act Permanent representatives: Filip Moeykens and Werner Van Walle
Resignation: Patronale Life NV (director and managing director) · Appointments: ABC-Group NV (director) and Patronale Life NV (managing director) · Name change11 facts ▸
  • Board meeting, 08/06/2023
  • Name change, Patronale Life NV
  • Permanent representative, Filip Moeykens
  • Mandate compensation, Filip Moeykens
  • Director resignation, Patronale Life NV (director and managing director)
  • Director discharge, Patronale Life NV
  • Director discharge, Filip Moeykens
  • Director appointment, ABC-Group NV (director)
  • Permanent representative, Werner Van Walle
  • Director appointment, Patronale Life NV (managing director)
  • Director appointment, ABC-Group NV (chair of the board)
09-05
State Gazette act Appointment: EY Bedrijfsrevisoren BV (statutory auditor)
Permanent representative: Christel WEYMEERSCH · Power of attorney4 facts ▸
  • General meeting, 31/03/2023
  • Auditor appointment, EY Bedrijfsrevisoren BV (statutory auditor)
  • Permanent representative, Christel WEYMEERSCH
  • Power of attorney, Daisy Deraymaeker
21-04
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
28-09
State Gazette act Purpose · Statutes amendment · Miscellaneous
Purpose change · Statutes amendment · Capital6 facts ▸
  • General meeting, 14/09/2022
  • Purpose change, §1. De vennootschap heeft als hoofdzakelijk voorwerp het toekennen en beheren van sociale leningen voor het bouwen, kopen, verbouwen, behouden of het energetisc…
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
  • Capital, €6.000.000
Show earlier events
28-06
State Gazette act Resignations & appointments
Power of attorney8 facts ▸
  • Board meeting, 02/06/2022
  • Power of attorney, Filip MOEYKENS
  • Power of attorney, Werner VAN WALLE
  • Power of attorney, Bart CORNU
  • Power of attorney, Olivier NOKERMAN
  • Power of attorney, Johan VANDENBERGHE
  • Power of attorney, Antonella VAN DE PUTTE
  • Power of attorney, Yves FLYPO
28-03
NBB filing Annual accounts filed
fiscal year 2021 · full schema
25-02
State Gazette act Registered office
Registered-office move2 facts ▸
  • Board meeting, 25/11/2021
  • Registered-office move, De Lange Beemden 14 bus 11, 3550 Heusden-Zolder
2021
08-11
State Gazette act Resignations & appointments
Power of attorney7 facts ▸
  • Board meeting, 19/10/2021
  • Power of attorney, Filip MOEYKENS
  • Power of attorney, Werner VAN WALLE
  • Power of attorney, Bart CORNU
  • Power of attorney, Olivier NOKERMAN
  • Power of attorney, Johan VANDENBERGHE
  • Power of attorney, Antonella VAN DE PUTTE
19-03
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial Weakest financial yearnet €364k ▼19%
Net result drops to €364k, the lowest in the series; recovery starts the following year.
19-10
State Gazette act Appointment: EY Bedrijfsrevisoren BV (statutory auditor)
Permanent representative: Christel WEYMEERSCH3 facts ▸
  • General meeting, 25/05/2020
  • Auditor appointment, EY Bedrijfsrevisoren BV (statutory auditor)
  • Permanent representative, Christel WEYMEERSCH
08-06
NBB filing Annual accounts filed
fiscal year 2019 · full schema
18-02
State Gazette act Permanent representatives: Hans VAN CAMPFORT and Werner VAN WALLE
Appointment: PATRONALE LIFE NV (managing director)4 facts ▸
  • Board meeting, 11/12/2019
  • Permanent representative, Hans VAN CAMPFORT
  • Permanent representative, Werner VAN WALLE
  • Director appointment, PATRONALE LIFE NV (managing director)
2019
06-09
State Gazette act Appointments: Patronale Life NV, Patronale Group NV and 3 others
Permanent representatives: Filip MOEYKENS, Hans VAN CAMPFORT and Olivier NOKERMAN12 facts ▸
  • General meeting, 18/03/2019
  • Director appointment, Patronale Life NV (director)
  • Permanent representative, Filip MOEYKENS
  • Director appointment, Patronale Group NV (director)
  • Permanent representative, Hans VAN CAMPFORT
  • Director appointment, Manage O.N.s. SPRL (director)
  • Permanent representative, Olivier NOKERMAN
  • Director appointment, Graaf Thierry de GRUNNE de HEMRICOURT (director)
  • Director appointment, Johan VANDENBERGHE (director)
  • Director appointment, Patronale Life NV (managing director)
  • Director appointment, Patronale Group NV (chair)
  • Director appointment, Graaf Thierry de GRUNNE de HEMRICOURT (vice-chair)
19-08
NBB filing Annual accounts filed
fiscal year 2018 · full schema · 19 days late
19-07
State Gazette act Permanent representative: Filip Moeykens
Registered-office move3 facts ▸
  • Board meeting, 08/05/2019
  • Registered-office move, Naamsesteenweg 142 te 3001 Heverlee
  • Permanent representative, Filip Moeykens
2018
17-12
State Gazette act Restructuring · Miscellaneous
08-08
State Gazette act Registered office · Restructuring
Merger · Accounting effect · Name change6 facts ▸
  • General meeting, 29/06/2018
  • Merger
  • Accounting effect, 01/01/2018
  • Name change, HypoStart
  • Capital, €6.000.000
  • Statutes amendment
12-06
NBB filing Annual accounts filed
fiscal year 2017 · full schema
29-05
State Gazette act Restructuring
Permanent representatives: Filip Moeykens, Werner Van Walle and Hans van Campfort · Merger · Accounting effect13 facts ▸
  • Merger
  • Accounting effect, 01/01/2018
  • Capital, €6.000.000
  • Capital, €110.000
  • Permanent representative, Filip Moeykens
  • Permanent representative, Werner Van Walle
  • Permanent representative, Hans van Campfort
  • Real estate, Berging nr 35 gelegen in de residenties 's Gravenhof en Keizersburcht te Gent, Burgstraat. Kadastraal sectie F, nummer 3234DP0057.
  • Real estate, Onroerend goed gelegen te 9000 Gent, Burgstraat 148. Kadastraal sectie F, nummer 3234DP0045.
  • Real estate, Deel koer gelegen in de residenties 's Gravenhof en Keizersburcht te Gent, Burgstraat.
  • Real estate, Garagebox nummer 31 gelegen in de residenties 's Gravenhof en Keizersburcht te Gent, Burgstraat. Kadastraal sectie F, nummer 3234DP0058.
  • Real estate, Garage nummer 11 gelegen in de residenties 's Gravenhof en Keizersburcht te Gent, Burgstraat. Kadastraal sectie F, nummer 3234DP0066.
  • +1 further facts in this act
25-01
State Gazette act Appointment: Ernst & Young Bedrijfsrevisoren BCVBA (statutory auditor)
Permanent representative: Christel Weymeersch3 facts ▸
  • General meeting, 27 december 2017
  • Auditor appointment, Ernst & Young Bedrijfsrevisoren BCVBA (statutory auditor)
  • Permanent representative, Christel Weymeersch
2017
27-06
State Gazette act Appointment: Olivier Nokerman (director)
Mandate compensation3 facts ▸
  • General meeting, 10 april 2017
  • Director appointment, Olivier Nokerman (director)
  • Mandate compensation, Olivier Nokerman
30-05
NBB filing Annual accounts filed
fiscal year 2016 · full schema
15-03
State Gazette act Resignation: Fuentes Management & Consulting (director)
Permanent representative: Erik Laenen · Appointment: Johan Vandenberghe (director)4 facts ▸
  • General meeting, 14/11/2016
  • Director resignation, Fuentes Management & Consulting (director)
  • Permanent representative, Erik Laenen
  • Director appointment, Johan Vandenberghe (director)
2016
27-10
State Gazette act Resignation: Fuentes Management & Corisulting (director)
Permanent representative: Erik Laenen2 facts ▸
  • Director resignation, Fuentes Management & Corisulting (director)
  • Permanent representative, Erik Laenen
2015
23-07
State Gazette act Capital & shares · Statutes amendment
Capital increase · Capital · Statutes amendment5 facts ▸
  • General meeting, 08/07/2015
  • Capital increase, €5.398.782,35
  • Capital, €6.000.000
  • Statutes amendment
  • Power of attorney, de bestuurders
2014
03-12
State Gazette act Appointment: Callens, Pirenne & Co (commíssaris revisor)
2 facts ▸
  • General meeting, 07/04/2014
  • Auditor appointment, Callens, Pirenne & Co (commíssaris revisor)
04-07
State Gazette act Resignations: Graaf Alexander de Hemricourt de Grunne, Limcoop CV and 7 others
Appointments: Patronale Life NV, Fork Capital NV and 3 others · Permanent representatives: Filip Moeykens, Werner Van Walle and 2 others · Director discharge26 facts ▸
  • General meeting, 14/10/2013
  • Board meeting, 14/10/2013
  • Director resignation, Graaf Alexander de Hemricourt de Grunne (director)
  • Director resignation, Limcoop CV (director)
  • Director resignation, Guy Clerinx (director)
  • Director resignation, Graaf Thierry de Hemricourt de Grunne (director)
  • Director resignation, Eric Jageneau (director)
  • Director resignation, Jan Ruiters (director)
  • Director resignation, Denis Maesen (director)
  • Director resignation, Luc Mentens (director)
  • Director resignation, Jean Louis de Schaetzen van Brienen (director)
  • Director discharge, VENNOOTSCHAP VOOR SOCIAAL WOONKREDIET EIGEN HUIS NV
  • +14 further facts in this act
23-01
State Gazette act Capital & shares · Purpose · Restructuring
Merger · Accounting effect · Capital increase11 facts ▸
  • General meeting, 30 december 2013
  • Merger
  • Merger
  • Merger
  • Merger
  • Accounting effect, 1 oktober 2013
  • Capital increase, €507.467,64
  • Capital, €601.217,65
  • Approval, 30 december 2013
  • Power of attorney, Katharina Pragt
  • Real estate, Building ter plaatse Stationsstraat 13, Stad Ronse, sectie C, nummer 138/V, oppervlakte 2 a 30 ca
2013
26-11
State Gazette act Capital & shares · Restructuring
Permanent representatives: Filip Moeykens, Werner Van Walle and 2 others · Merger · Capital28 facts ▸
  • Merger
  • Merger
  • Merger
  • Merger
  • Capital, €93.750
  • Net-asset statement, 30/09/2013
  • Capital, €61.977,64
  • Net-asset statement, 30/09/2013
  • Capital, €181.040
  • Net-asset statement, 30/09/2013
  • Capital, €151.760
  • Net-asset statement, 30/09/2013
  • +16 further facts in this act
30-10
State Gazette act Resignations: Graaf Alexander de Hemricourt de Grunne, Valentin Sourbron and 7 others
Appointments: Patronale Life NV, Fork Capital NV and 7 others · Permanent representatives: Filip Moeykens, Werner Van Walle and 2 others · Director discharge26 facts ▸
  • General meeting, 14/10/2013
  • Board meeting, 14/10/2013
  • Director resignation, Graaf Alexander de Hemricourt de Grunne (director)
  • Director resignation, Valentin Sourbron (director)
  • Director resignation, Guy Clerinx (director)
  • Director resignation, Graaf Thierry de Hemricourt de Grunne (director)
  • Director resignation, Eric Jageneau (director)
  • Director resignation, Jan Ruiters (director)
  • Director resignation, Denis Maesen (director)
  • Director resignation, Luc Mentens (director)
  • Director resignation, Jean Louis de Schaetzen van Brienen (director)
  • Director discharge, VENNOOTSCHAP VOOR SOCIAAL WOONKREDIET EIGEN HUIS
  • +14 further facts in this act
2012
03-04
State Gazette act Reappointments: Graaf Alexander de Hemricourt de Grunne, Graaf Thierry de Hemricourt de Grunne and 3 others
Appointments: Graaf Alexander de Hemricourt de Grunne (chair) and Guy Clerinx (gedelegeerd bestuurder)8 facts ▸
  • General meeting, 19/03/2012
  • Director reappointment, Graaf Alexander de Hemricourt de Grunne (director)
  • Director reappointment, Graaf Thierry de Hemricourt de Grunne (director)
  • Director reappointment, Jean-Louis de Schaetzen van Brienen (director)
  • Director reappointment, Jan Ruiters (director)
  • Director reappointment, Denis Maesen (director)
  • Director appointment, Graaf Alexander de Hemricourt de Grunne (chair)
  • Director appointment, Guy Clerinx (gedelegeerd bestuurder)
2011
06-04
State Gazette act Reappointment: Guy Clerinx (gedelegeerd bestuurder)
Appointment: Didier Corthouts van Van Havermaet Groenweghe (statutory auditor)3 facts ▸
  • General meeting, 21/03/2011
  • Director reappointment, Guy Clerinx (gedelegeerd bestuurder)
  • Auditor appointment, Didier Corthouts van Van Havermaet Groenweghe (statutory auditor)
2010
01-04
State Gazette act Reappointment: Eric Jageneau (director)
2 facts ▸
  • General meeting, 15/03/10
  • Director reappointment, Eric Jageneau (director)
2007
25-05
State Gazette act Resignation: Jean de Schaetzen van Brienen (director)
Appointment: Valentin Sourbron (ondervoorzitter van de raad van bestuur)3 facts ▸
  • Board meeting, 30/04/2007
  • Director resignation, Jean de Schaetzen van Brienen (director)
  • Director appointment, Valentin Sourbron (ondervoorzitter van de raad van bestuur)
2006
06-04
State Gazette act Reappointments: Graaf Alexander de Hemricourt de Grunne (director) and Guy Clerinx (gedelegeerd bestuurder)
Resignations: Graaf Thierry de Hemricourt de Grunne, Denis Maesen and 3 others · Appointments: Graaf Thierry de Hemricourt de Grunne, Denis Maesen and 3 others13 facts ▸
  • General meeting, 20-03-2006
  • Director reappointment, Graaf Alexander de Hemricourt de Grunne (director)
  • Director resignation, Graaf Thierry de Hemricourt de Grunne (vennoot belast met toezicht)
  • Director resignation, Denis Maesen (vennoot belast met toezicht)
  • Director resignation, Jean-Louis de Schaetzen van Brienen (vennoot belast met toezicht)
  • Director resignation, Jan Ruiters (vennoot belast met toezicht)
  • Director appointment, Graaf Thierry de Hemricourt de Grunne (director)
  • Director appointment, Denis Maesen (director)
  • Director appointment, Jean-Louis de Schaetzen van Brienen (director)
  • Director appointment, Jan Ruiters (director)
  • Director resignation, Frans Maesen (director)
  • Director appointment, Luc Mentens (director)
  • +1 further facts in this act
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
under verification, no change since 2025
This board is reconstructed from a single act (25064343). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Bart Cornu
Director · since 28-03-2025
Current
Daisy Deraymaeker
Director · since 28-03-2025
Current
PATRONALE LIFE
Director · since 09-06-2023 · Public limited company · perm. rep.: Hans VAN CAMPFORT
Current
ABC-Group NV
Director · since 05-06-2023 · Legal entity · perm. rep.: Werner Van Walle
Current
Graaf Thierry de Hemricourt de Grunne
Director · since 18-03-2019
Current
Olivier NOKERMAN
Director · since 10-04-2017
Current
11 other directors
Johan VANDENBERGHE
Director · since 14-11-2016
Current
Patronale Life NV
Managing director · since 18-02-2020 · Legal entity
Not recently confirmed
Manage.O.N.s
Director · since 18-03-2019 · Private limited company · perm. rep.: Olivier NOKERMAN
Not recently confirmed
PATRONALE LIFE, AFGEKORT : PATRONALE
Director · since 14-10-2013 · Legal entity · perm. rep.: Filip MOEYKENS
Not recently confirmed
Fork Capital NV
Director · since 14-10-2013 · Legal entity · perm. rep.: Werner Van Walle
Not recently confirmed
SkinPros
Director · since 14-10-2013 · Private limited company · perm. rep.: Erik Laenen
Not recently confirmed
Erik Laenen
Director · since 14-10-2013
Not recently confirmed
Filip Moeykens
Gedelegeerd bestuurder · since 14-10-2013
Not recently confirmed
Hans Van Campfort
Director · since 14-10-2013
Not recently confirmed
Werner VAN WALLE
Chair · since 14-10-2013
Not recently confirmed
Jean-Louis de Schaetzen van Brienen
Director · since 20-03-2006
Not recently confirmed
28-03-2025 Bart Cornu: Appointed as Director
28-03-2025 Daisy Deraymaeker: Appointed as Director
28-03-2025 PATRONALE LIFE: Appointed as Director
28-03-2025 PATRONALE LIFE: Appointed as Managing director
28-03-2025 ABC-Group NV: Appointed as Director
Full history in the Timeline (70 changes) →
Location & real-estate footprint
Registered office, Heusden-Zolder · 2 establishment units since 2018
establishment All 2 establishment units on the map
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

De Lange Beemden 143550 Heusden-Zolder
Ground area
5,025 m²
Building footprint
2,671 m²
Volume, LiDAR
19,795 m³
2 parcels, Brussels, Flanders · tallest building 26.4 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Bischoffsheimlaan 33, 1000 Brussel
Financial service activities, except insurance and pension funding
since 20182.302.659.343
De Lange Beemden 14.11, 3550 Heusden-Zolder
Financial service activities, except insurance and pension funding
since 20232.346.987.254
2 parcels
Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
71065B1051/00M000 Flanders 3,741 m² 1 · 1,634 m² -
21803C0382/00G000 Brussels 1,284 m² 1 · 1,036 m² 26.4 m · 7 fl.
Linked by address, not proof of ownership
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.

Statutory auditor

1 auditor
EY Bedrijfsrevisoren BVCurrent
Statutory auditor · represented by Christel WEYMEERSCH
19-10-2020 → present
Show 3 earlier auditors
Callens, Pirenne & Co
Commíssaris revisor
succeeded by Ernst & Young Bedrijfsrevisoren BCVBA in 2018
03-12-2014 → 25-01-2018
Didier Corthouts van Van Havermaet Groenweghe
Statutory auditor
succeeded by Callens, Pirenne & Co in 2014
06-04-2011 → 03-12-2014
Ernst & Young Bedrijfsrevisoren BCVBA
Statutory auditor · represented by Christel Weymeersch
succeeded by EY Bedrijfsrevisoren BV in 2020
25-01-2018 → 19-10-2020

Articles of association

Purpose
§1. De vennootschap heeft als hoofdzakelijk voorwerp het toekennen en beheren van sociale leningen voor het bouwen, kopen, verbouwen, behouden of het energetisch renoveren van een…
Full purpose

§1. De vennootschap heeft als hoofdzakelijk voorwerp het toekennen en beheren van sociale leningen voor het bouwen, kopen, verbouwen, behouden of het energetisch renoveren van een bescheiden woning ten behoeve van natuurlijke personen die geen andere woning in volle eigendom bezitten en die woning zelf bewonen of zullen bewonen. §2. De vennootschap heeft als aanvullende activiteit het afsluiten van andere hypothecaire leningen met een onroerende bestemming. §3. De vennootschap mag zonder onderscheid alle daden, handelingen of verrichtingen stellen die nuttig of noodzakelijk zijn voor de verwezenlijking van § 1of §2. Ter verduidelijking van het vorige lid mag de vennootschap onder meer alle handelingen en verrichtingen stellen die betrekking hebben op : i) het overdragen van hypothecaire schuldvorderingen aan een institutionele vennootschap voor belegging in schuldvorderingen naar Belgisch recht in de zin van de wet van 3 augustus 2012 betreffende de instellingen voor collectieve belegging en de instellingen voor belegging in schuldvorderingen of andere derden en het beheer van die vorderingen voor rekening van de overnemer; ii) het toekennen van leningen of kredietopeningen gewaarborgd door een hypotheek of anderszins, terugbetaalbaar in opeenvolgende betalingen, voor het bouwen, kopen, verbouwen, vernieuwen of behouden van bescheiden woningen als ook overnemen en overdragen hypothecaire schuldvorderingen al dan niet via de rechtsfiguur van stille cessie; iii) het opzeggen van deze leningen of kredietopeningen en het nemen van alle minnelijke of gerechtelijke maatregelen tot uitvoering van de toegekende zekerheden; iv) het verwerven van onroerende goederen die te koop gesteld zouden worden ten gevolge van de uitwinning van één van haar schuldenaars, of ten gevolge van een hoger bod bij een verkoop uit de hand of bij een openbare verkoop, en het verkopen van deze goederen; v) het waarborgen van verbintenissen van derden, het betalen in hun naam en plaats, met indeplaatsstelling waardoor de hypothecaire waarborg verkregen wordt; vi) het ondernemen in naam en voor rekening van de vennootscha van alle activiteiten van tussenpersoon in verzekeringen die van aard zijn de goede afloop te waarborgen van de kredieten die toegekend werden voor het bouwen, kopen of verbouwen of behouden van een woning gelegen in het Vlaamse Gewest; vii) het ontleen of bekomen van fondsen, met of zonder het stellen van waarborgen, en bestemd voor de verwezenlijking van haar voorwerp; viii) met de andere erkende kredietmaatschappijen elke overeenkomst, elk toetredingscontract of ander akkoord sluiten, waardoor de samenwerking tussen de erkende kredietmaatschappijen tot stand wordt gebracht of versterkt, onder meer met het oog op : • De coördinatie van gemeenschappelijke diensten of producten; • De coördinatie van de controle over de toepassing van de erkenningsvoorwaarden; • Het zoeken naar de meest gunstige fundingvoorwaarden. ix) deelnemen in andere erkende kredietmaatschappijen of in iedere vennootschap, vereniging of stichting die erkende kredietmaatschappijen groepeert.

Structure & network

Connections & network

22 connected companies
Olivier NOKERMAN, Shared director, links 6 companies ONOlivier NOKERMANCREDIT POUR HABITATIONS SOCIALES, via Olivier NOKERMAN CPCREDIT POURHABITATIONS…Demer en Dijle, via Olivier NOKERMAN DEDemer en DijleGEWESTELIJKE MAATSCHAPPIJ VOOR HUISVESTINGSKREDIET - SOCIETE REGIONALE DE CREDIT AU LOGEMENT, via Olivier NOKERMAN GMGEWESTELIJKEMAATSCHAPPIJ…L'Entr'Aide Financière du Tournaisis, via Olivier NOKERMAN LFL'Entr'AideFinancière du…BELLIARD SECURITISATION, via Olivier NOKERMAN BSBELLIARDSECURITISATIONHYPOCONNECT, via Olivier NOKERMAN HHYPOCONNECTJohan VANDENBERGHE, Shared director, links 5 companies JVJohanVANDENBERGHESOCODIX, via Johan VANDENBERGHE SSOCODIXINDOMI, via Johan VANDENBERGHE IINDOMIBart Cornu, Shared director, links 4 companies BCBart CornuDaisy Deraymaeker, Shared director, links 2 companies DDDaisyDeraymaekerGraaf Thierry de Hemricourt de Grunne, Shared director, links 2 companies GTGraaf Thierry deHemricourt de…NUTSBEDRIJVEN HOUDSTERMAATSCHAPPIJ, via Graaf Thierry de Hemricourt de Grunne NHNUTSBEDRIJVENHOUDSTERMAATS…HYPOSTART HYPOSTART0400.941.184
Shared directors
Linked via shared directors
Show 18 more companies with a shared director
former
INDOMI
via Johan VANDENBERGHE · Director
former
BANIMMO
Shared director
JAGENEAU LEGAL
Shared director
PATRONALE REAL ESTATE
Shared director
DERIGIS
Shared corporate director
Ed. Proj. Epsilon
Shared corporate director
Ed. Proj. Gamma
Shared corporate director
FINTOLOGY
Shared corporate director
The Chester Company
Shared corporate director

Acquisitions and mergers

5 transactions
BE 0400.026.911State Gazette act of 08-08-2018 (2 acts)
Took over:NV EIGEN WOON
BE 0870.806.513State Gazette act of 23-01-2014 (2 acts)
BE 0400.986.518State Gazette act of 23-01-2014 (2 acts)
BE 0400.226.354State Gazette act of 23-01-2014 (2 acts)
BE 0400.973.551State Gazette act of 23-01-2014 (2 acts)

Capital and shareholders

Capital over the years
  1. 28-09-2022 Capital stated in 3 acts · 6,000,000 EUR · 600,000 shares
  2. 23-07-2015 Capital increase of 5,398,782.35 EUR · to 6,000,000 EUR · from reserves
  3. 23-01-2014 Capital increase of 507,467.64 EUR
  4. 26-11-2013 Capital stated in the act · 93,750 EUR · 7,500 shares

Recognitions · licences · registrations

Legal Entity Identifier

5493007BNWSRUM9RLN98
live in the LEI register

Similar companies · same sector, comparable size

Of 186 companies in sector 64910 we hold annual accounts for 133. 62 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification
Legal formPublic limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL 2025
64910Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.