Summary
CREDISSIMO HAINAUT 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 €4.3m and a net result of -€47,591. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 9% of 2444 sector peers (fiscal year 2025). The company has been active since 1921 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 2444 sector peers (2025).
NBB · sector comparisonPosition among 2444 sector peers
Solvency
better than 9%
← 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 24-03-2026, 129 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
129 d early
2024
133 d early
2023
154 d early
2022
140 d early
2021
138 d early
2020
148 d early
2019
142 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 141 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 15 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?BNP PARIBAS · 55 companies What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
In the rankings
#1 oldest company in Tournai, Finance and insurance sector#9 company by total assets in Tournai, Finance and insurance sector
Equity
€4.3m▼ 2.2%
2024 · €4.4m
Net result
-€47,591
2024 · €128,652
Total assets
€70.0m▼ 4.9%
2024 · €73.6m
Solvency
6.1%▲ 0.2pp
2024 · 5.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2.2m▼ 0.5%€2.1m▼ 7.6%€1.9m▼ 8.8%€1.7m▼ 8.3%€1.6m▼ 5.1%
Operating result€186,129▲ 175%€253,040▲ 35.9%€165,431▼ 34.6%€138,189▼ 16.5%-€45,259
Net result€176,035within the sector's middle half▲ 185%€237,902within the sector's middle half▲ 35.1%€156,277within the sector's middle half▼ 34.3%€128,652within the sector's middle half▼ 17.7%-€47,591below the sector's middle half
Equity€4.0mwithin the sector's middle half▲ 3.3%€4.2mwithin the sector's middle half▲ 4.7%€4.3mwithin the sector's middle half▲ 2.5%€4.4mwithin the sector's middle half▲ 1.8%€4.3mwithin the sector's middle half▼ 2.2%
Total assets€87.9mabove the sector's middle half▼ 4.5%€83.1mabove the sector's middle half▼ 5.5%€76.8mabove the sector's middle half▼ 7.6%€73.6mabove the sector's middle half▼ 4.1%€70.0mabove the sector's middle half▼ 4.9%
Debt€83.8m▼ 4.9%€78.8m▼ 6.0%€72.4m▼ 8.2%€69.1m▼ 4.5%€65.6m▼ 5.0%
Working capital€83.2mabove the sector's middle half▼ 4.2%€78.7mabove the sector's middle half▼ 5.5%€73.0mabove the sector's middle half▼ 7.2%€69.4mabove the sector's middle half▼ 4.9%€66.3mabove the sector's middle half▼ 4.5%
Solvency4.6%below the sector's middle half▲ 0.3pp5.0%below the sector's middle half▲ 0.5pp5.6%below the sector's middle half▲ 0.6pp5.9%below the sector's middle half▲ 0.3pp6.1%below the sector's middle half▲ 0.2pp
Current ratio18.60above the sector's middle half▲ 1.0918.67above the sector's middle half▲ 0.0820.25above the sector's middle half▲ 1.5817.67above the sector's middle half▼ 2.5718.81above the sector's middle half▲ 1.13
Return on assets (ROA)0.2%within the sector's middle half▲ 0.1pp0.3%within the sector's middle half▲ 0.1pp0.2%within the sector's middle half▼ 0.1pp0.2%within the sector's middle half=-0.1%within the sector's middle half▼ 0.2pp
Staff (FTE)3.9within the sector's middle half▼ 2.5%4within the sector's middle half▲ 2.6%4within the sector's middle half=5within the sector's middle half▲ 25.0%5within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €45,259 after €138,189 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70.0m
Fixed assets
€6,124 =
Current assets
€70.0m ▼ 4.9%
Equity and liabilities €70.0m
Equity
€4.3m ▼ 2.2%
Provisions
€99,168 ▼ 4.9%
Debt
€65.6m ▼ 5.0%
Debt's share of the balance-sheet total falls from 93.9% to 93.7%. Equity and debt are lower.
Key figures and ratios
ROE
-1.1%▼
2024 · 2.9%
Debt ≤ 1 year
€3.7m▼
2024 · €4.2m
Debt > 1 year
€61.9m▼
2024 · €64.9m
Income taxes
€1,156▼
2024 · €9,126
Staff costs
€394,020▼
2024 · €394,492
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €2.4m | €2.3m | €2.0m | €1.8m | ▼ 6.1% |
| Turnover70 | €2.2m | €2.1m | €1.9m | €1.7m | €1.6m | ▼ 5.1% |
| Other operating income74 | - | €342,663 | €389,134 | €231,765 | €201,286 | ▼ 13.2% |
| Operating charges60/66A | - | €2.2m | €2.1m | €1.8m | €1.9m | ▲ 3.5% |
| Goods for resale, raw materials and consumables60 | - | €1.7m | €1.5m | €1.4m | €1.3m | ▼ 4.7% |
| Purchases600/8 | - | €1.7m | €1.5m | €1.4m | €1.3m | ▼ 4.7% |
| Services and other goods61 | - | €157,693 | €208,581 | €188,144 | €199,131 | ▲ 5.8% |
| Remuneration, social security and pensions62 | - | €345,737 | €428,710 | €394,492 | €394,020 | ▼ 0.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,112 | €3,112 | €2,564 | €0 | €0 | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€3,035 | -€7,319 | -€101,365 | €15,858 | ▲ 116% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€4,595 | -€9,630 | -€5,499 | -€5,069 | ▲ 7.8% |
| Other operating charges640/8 | - | €1,069 | €639 | €639 | €639 | = |
| Operating profit (loss)9901 | €186,129 | €253,040 | €165,431 | €138,189 | -€45,259 | ▼ 133% |
| Financial charges65/66B | - | €2,057 | €817 | €411 | €1,176 | ▲ 186% |
| Recurring financial charges65 | - | €2,057 | €817 | €411 | €1,176 | ▲ 186% |
| Non-recurring financial charges66B | - | €2,057 | €817 | €411 | €1,176 | ▲ 186% |
| Profit (loss) for the period before taxes9903 | €185,850 | €250,983 | €164,614 | €137,778 | -€46,435 | ▼ 134% |
| Income taxes67/77 | €9,815 | €13,081 | €8,337 | €9,126 | €1,156 | ▼ 87.3% |
| Taxes670/3 | - | €13,081 | €8,337 | €9,126 | €1,156 | ▼ 87.3% |
| Profit (loss) for the period9904 | €176,035 | €237,902 | €156,277 | €128,652 | -€47,591 | ▼ 137% |
| Profit (loss) for the period to be appropriated9905 | €176,035 | €237,902 | €156,277 | €128,652 | -€47,591 | ▼ 137% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €87.9m | €83.1m | €76.8m | €73.6m | €70.0m | ▼ 4.9% |
| Fixed assets21/28 | €11,858 | €8,746 | €6,124 | €6,124 | €6,124 | = |
| Tangible fixed assets22/27 | €5,676 | €2,564 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | - | €2,564 | €0 | €0 | €0 | - |
| Other tangible fixed assets26 | - | - | €0 | €0 | €0 | - |
| Financial fixed assets28 | €6,182 | €6,182 | €6,124 | €6,124 | €6,124 | = |
| Other financial fixed assets284/8 | - | €6,182 | €6,124 | €6,124 | €6,124 | = |
| Amounts receivable and cash guarantees285/8 | - | €6,182 | €6,124 | €6,124 | €6,124 | = |
| Current assets29/58 | €87.9m | €83.1m | €76.8m | €73.6m | €70.0m | ▼ 4.9% |
| Amounts receivable after more than one year29 | - | €78.4m | €72.1m | €68.4m | €64.9m | ▼ 5.1% |
| Trade receivables290 | - | €78.4m | €72.1m | €68.4m | €64.9m | ▼ 5.1% |
| Amounts receivable within one year40/41 | €4.0m | €3.9m | €3.8m | €3.6m | €3.5m | ▼ 3.1% |
| Trade receivables40 | - | €3.7m | €3.4m | €3.4m | €3.4m | ▼ 1.7% |
| Other amounts receivable41 | - | €241,980 | €328,769 | €209,427 | €156,831 | ▼ 25.1% |
| Current investments50/53 | - | - | - | - | €1.4m | - |
| Other investments51/53 | - | - | - | - | €1.4m | - |
| Cash at bank and in hand54/58 | €1.8m | €633,584 | €760,365 | €1.4m | - | - |
| Deferred charges and accrued income490/1 | - | €163,416 | €148,572 | €138,895 | €132,860 | ▼ 4.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €87.9m | €83.1m | €76.8m | €73.6m | €70.0m | ▼ 4.9% |
| Equity10/15 | €4.0m | €4.2m | €4.3m | €4.4m | €4.3m | ▼ 2.2% |
| Contributions10/11 | €999,933 | €999,937 | €999,942 | €999,946 | €999,951 | = |
| Capital10 | - | €999,937 | €999,942 | €999,946 | €999,951 | = |
| Issued capital100 | - | €1.0m | €1.0m | €1.0m | €1.0m | = |
| Uncalled capital101 | - | €63 | €58 | €54 | €49 | ▼ 9.3% |
| Reserves13 | €3.0m | €3.2m | €3.3m | €3.4m | €3.3m | ▼ 2.9% |
| Non-distributable reserves130/1 | - | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Legal reserve130 | - | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Distributable reserves133 | - | €3.1m | €3.2m | €3.3m | €3.2m | ▼ 3.0% |
| Provisions and deferred taxes16 | €123,962 | €119,367 | €109,737 | €104,237 | €99,168 | ▼ 4.9% |
| Provisions for liabilities and charges160/5 | - | €119,367 | €109,737 | €104,237 | €99,168 | ▼ 4.9% |
| Other liabilities and charges164/5 | - | €119,367 | €109,737 | €104,237 | €99,168 | ▼ 4.9% |
| Amounts payable17/49 | €83.8m | €78.8m | €72.4m | €69.1m | €65.6m | ▼ 5.0% |
| Amounts payable after more than one year17 | €79.1m | €74.3m | €68.6m | €64.9m | €61.9m | ▼ 4.7% |
| Financial debts170/4 | - | €74.3m | €68.6m | €64.9m | €61.9m | ▼ 4.7% |
| Other loans174 | - | €74.3m | €68.6m | €64.9m | €61.9m | ▼ 4.7% |
| Amounts payable within one year42/48 | €4.7m | €4.5m | €3.8m | €4.2m | €3.7m | ▼ 10.6% |
| Current portion of amounts payable after more than one year42 | - | €3.8m | €3.3m | €3.3m | €3.2m | ▼ 3.4% |
| Trade debts44 | €13,011 | €7,693 | €17,573 | €19,501 | €11,110 | ▼ 43.0% |
| Suppliers440/4 | - | €7,693 | €17,573 | €19,501 | €11,110 | ▼ 43.0% |
| Taxes, remuneration and social security45 | - | €73,711 | €67,285 | €85,919 | €71,706 | ▼ 16.5% |
| Taxes450/3 | - | €13,249 | €8,561 | €16,486 | €403 | ▼ 97.6% |
| Remuneration and social security454/9 | - | €60,462 | €58,724 | €69,433 | €71,303 | ▲ 2.7% |
| Other amounts payable47/48 | - | €572,911 | €408,080 | €776,964 | €469,579 | ▼ 39.6% |
| Accrued charges and deferred income492/3 | - | €21,929 | €10,827 | €14,901 | €5,300 | ▼ 64.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €176,035 | €237,902 | €156,277 | €128,652 | -€47,591 | ▼ 137% |
| + Depreciation and write-downs630 | €3,112 | €3,112 | €2,564 | €0 | €0 | - |
| Operating cash flow (approximation) | €179,147 | €241,014 | €158,841 | €128,652 | -€47,591 | ▼ 137% |
| Investment in fixed assets (approximation) | - | €0 | €58 | €0 | €0 | - |
| Change in cash | - | -€1.2m | €126,781 | €634,956 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€47,591
Net result drops to -€47,591, the lowest in the series.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €237,902 ▲35.1%
Operating result €253,040, net result €237,902, both a record.
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
11-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
20-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 21 acts read
About the unread acts
We know of 21 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
21 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 1991
Ground area
122 m²
Building footprint
59 m²
Volume, LiDAR
777 m³
Parcel 57462D0332/00A000, Wallonia · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CREDISSIMO HAINAUT
since 19912.004.922.296
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462D0332/00A000 | Wallonia | 122 m² | 1 · 59 m² | 14.5 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Part of the group
BNP PARIBAS
55 companies
Group, risk and exposure
Owners and holdings
10 ownersChain of control
- BNP PARIBASFR
- BNP Paribas Fortis
- CREDISSIMO HAINAUT
Highest known parent: BNP PARIBAS (France). The sources do not say who stands above it.
Owners 10
- BNP Paribas Fortisparent99.72%
- Anne-Christine LUSSIEnatural personSourceown accounts 20250.11%
- Léon Veuve DESMETnatural personSourceown accounts 20250.09%
- Victor Veuve DEFGNEEnatural personSourceown accounts 20250.03%
- Chantal BERTOUILLEnatural personSourceown accounts 20250.02%
- Charles Veuve JORIONnatural personSourceown accounts 20250.01%
- Louis Veuve GOSSELAINnatural personSourceown accounts 20250.01%
- Paul Veuve ANSELMEnatural personSourceown accounts 20250.01%
- Louise Veuf CANTILLONnatural personSourceown accounts 20250%
- Vincent Veuve BACHYnatural personSourceown accounts 20250%
Holdings 0
The accounts to 31-12-2025 list no holdings, and no other source names one.
According to the 2025 annual accounts of CREDISSIMO HAINAUT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
529900P0PPHFKY4V2S81
Similar companies · same sector, comparable size
LE CREDIT SOCIAL ET LES PETITS PROPRIETAIRES REUNIS
BE 0401.609.593
Châtelet · Eq €4,273,584
LA MAISON OUVRIERE DE L'ARRONDISSEMENT DE CHARLEROI ET DU SUD-HAINAUT
BE 0401.553.373
Charleroi · Eq €4,318,304
L'Entr'Aide Financière du Tournaisis
BE 0402.492.491
Brussel · Eq €4,402,752
CREDIT SOCIAL LOGEMENT
BE 0202.268.754
Verviers · Eq €3,968,367
CREDIALYS
BE 0401.465.578
Huy · Eq €3,964,110
Of 93 companies in sector 64922 we hold annual accounts for 75. 42 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded01-01-1921
Fiscal year end31-12
Activities, NACEBEL 2025
64922Financial service activities, except insurance and pension funding
Contact
Phone
069/222965Tournai
Fax
069/236077Tournai
E-invoicing
Reachable via Peppol
Peppol ID
0208:0402495065
Also
9925:BE0402495065
Registered
07-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.