Summary
LE CREDIT HYPOTHECAIRE O. BRICOULT 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 €17.32M and a net result of €463k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 12% of 2394 sector peers (fiscal year 2025). The company has been active since 1930 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 risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 2394 sector peers (2025).
NBB · sector comparisonPosition among 2394 sector peers
Solvency
better than 12%
← 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
134 d early
2023
113 d early
2022
131 d early
2021
137 d early
2020
135 d early
2019
133 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€17.32M▲ 2.7%
2024 · €16.87M
2018: €14.05M
2019: €14.44M
2020: €14.85M
2021: €15.31M
2022: €15.83M
2023: €16.36M
2024: €16.87M
2018 → 2025
Net result
€463k▼ 10.3%
2024 · €516k
2018: €417k
2019: €401k
2020: €424k
2021: €471k
2022: €538k
2023: €549k
2024: €516k
2018 → 2025
Total assets
€149.41M▲ 2.2%
2024 · €146.23M
2018: €100.03M
2019: €110.18M
2020: €120.93M
2021: €128.24M
2022: €138.40M
2023: €146.00M
2024: €146.23M
2018 → 2025
Solvency
11.6%▲ 0.1pp
2024 · 11.5%
2018: 14.0%
2019: 13.1%
2020: 12.3%
2021: 11.9%
2022: 11.4%
2023: 11.2%
2024: 11.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.77M-€2.77M▼ 0.1%€3.20M▲ 15.6%€3.20M▼ 0.2%€3.00M▼ 6.2%
Equity€15.31M-€15.83M▲ 3.4%€16.36M▲ 3.4%€16.87M▲ 3.1%€17.32M▲ 2.7%
Operating result€504k-€575k▲ 14.2%€554k▼ 3.8%€473k▼ 14.6%€400k▼ 15.4%
Net result€471k-€538k▲ 14.3%€549k▲ 2.0%€516k▼ 6.0%€463k▼ 10.3%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149.41M
Fixed assets
€170k ▲ 21.1%
Current assets
€149.24M ▲ 2.2%
Equity and liabilities €149.41M
Equity
€17.32M ▲ 2.7%
Debt
€132.10M ▲ 2.1%
Debt's share of the balance-sheet total falls from 88.5% to 88.4%. Equity and debt are higher.
Key figures and ratios
ROE
2.7%▼
2024 · 3.1%
ROA
0.3%▼
2024 · 0.4%
Debt ≤ 1 year
€7.26M▲
2024 · €6.80M
Debt > 1 year
€124.83M▲
2024 · €122.55M
Income taxes
€30k▼
2024 · €33k
Staff costs
€485k▲
2024 · €417k
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 · 65 lines
Balance sheet
Code20242025
Assets
Total assets20/58€146.23M€149.41M▲
Fixed assets21/28€140k€170k▲
Tangible fixed assets22/27€140k€169k▲
Land and buildings22€116k€111k▼
Furniture and vehicles24€2k€4k▲
Assets under construction and advance payments27€22k€54k▲
Financial fixed assets28€384€384=
Current assets29/58€146.09M€149.24M▲
Amounts receivable after more than one year29€133.97M€134.50M▲
Trade receivables290€133.97M€134.50M▲
Amounts receivable within one year40/41€6.11M€6.08M▼
Trade receivables40€5.86M€5.98M▲
Other amounts receivable41€245k€91k▼
Current investments50/53€2.50M€2.50M=
Cash at bank and in hand54/58€3.51M€6.16M▲
Deferred charges and accrued income490/1€1k€7k▲
Equity and liabilities
Total equity and liabilities10/49€146.23M€149.41M▲
Equity10/15€16.87M€17.32M▲
Contributions10/11€230k€230k=
Capital10€230k€230k=
Issued capital100€397k€397k=
Uncalled capital101€167k€167k=
Reserves13€16.45M€16.91M▲
Non-distributable reserves130/1€52k€52k=
Legal reserve130€40k€40k=
Other1319€12k€12k=
Tax-exempt reserves132€943€943=
Distributable reserves133€16.40M€16.86M▲
Profit (loss) carried forward14€184k€173k▼
Amounts payable17/49€129.36M€132.10M▲
Amounts payable after more than one year17€122.55M€124.83M▲
Financial debts170/4€122.55M€124.83M▲
Amounts payable within one year42/48€6.80M€7.26M▲
Current portion of amounts payable after more than one year42€5.08M€5.24M▲
Taxes, remuneration and social security45€53k€62k▲
Taxes450/3€227-
Remuneration and social security454/9€53k€62k▲
Other amounts payable47/48€1.67M€1.96M▲
Accrued charges and deferred income492/3€18k€14k▼
Income statement
Code20242025
Turnover70€3.20M€3.00M▼
Non-recurring operating income76A€985€10k▲
Goods, raw materials, services and sundry goods60/61€2.30M€2.36M▲
Remuneration, social security and pensions62€417k€485k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-21k€-33k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€13k€-6k▼
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A€1k€401▼
Gross operating margin9900€897k€859k▼
Operating profit (loss)9901€473k€400k▼
Financial income75/76B€80k€97k▲
Recurring financial income75€80k€97k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€549k€493k▼
Income taxes67/77€33k€30k▼
Profit (loss) for the period9904€516k€463k▼
Profit (loss) for the period to be appropriated9905€516k€463k▼
Appropriation of the result
Profit (loss) to be appropriated9906€698k€647k▼
Profit (loss) brought forward from the previous period14P€182k€184k▲
Transfer to equity691/2€500k€460k▼
To other reserves6921€500k€460k▼
Profit to be distributed694/7€14k€14k=
Return on contributions (dividend)694€14k€14k=
Social balance
Average headcount (FTE)90875.15.1=
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
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
08-09
State Gazette act
Appointments: Mucahit-Mustafa YILDIZ (director) and Sukru OZKAYA (director)3 facts ▸
State Gazette act
Appointments: Mucahit-Mustafa YILDIZ (director) and Sukru OZKAYA (director)
3 facts ▸
- Board meeting, 26-06-2025
- Director appointment, Mucahit-Mustafa YILDIZ (director)
- Director appointment, Sukru OZKAYA (director)
07-04
State Gazette act
Reappointments: Ville de Charleroi, Ville de Fleurus and Mélina CACCIATOREAppointment: Ludovic COOLS (director)5 facts ▸
State Gazette act
Reappointments: Ville de Charleroi, Ville de Fleurus and Mélina CACCIATORE
Appointment: Ludovic COOLS (director)5 facts ▸
- General meeting, 18-03-2025
- Director reappointment, Ville de Charleroi (director)
- Director reappointment, Ville de Fleurus (director)
- Director reappointment, Mélina CACCIATORE (director)
- Director appointment, Ludovic COOLS (director)
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €549k ▲2%
Net result €549k, the highest in the series.
22-09
State Gazette act
Resignations: FAGNART (director) and Ludovic COOLS (administrateur représentant la ville de châtelet)Appointment: Ludovic COOLS (administrateur à titre privé)4 facts ▸
State Gazette act
Resignations: FAGNART (director) and Ludovic COOLS (administrateur représentant la ville de châtelet)
Appointment: Ludovic COOLS (administrateur à titre privé)4 facts ▸
- Board meeting, 29-06-2023
- Director resignation, FAGNART (director)
- Director appointment, Ludovic COOLS (administrateur à titre privé)
- Director resignation, Ludovic COOLS (administrateur représentant la ville de châtelet)
28-07
State Gazette act
Statutes amendmentCapital · Share class · Regulatory status9 facts ▸
State Gazette act
Statutes amendment
Capital · Share class · Regulatory status9 facts ▸
- General meeting, 20-06-2023
- Statutes amendment
- Capital, €396.800
- Statutes amendment
- Share class, 1400, A
- Share class, 15650, B
- Regulatory status, Guichet du crédit social au sens du Code wallon de l'habitation durable
- Board governance, 13, 3
- Representation, Deux administrateurs agissant conjointement; ou un administrateur agissant seul pour les actes de prêts hypothécaires, l'acceptation des hypothèques et les acte…
19-07
State Gazette act
Appointment: Thierry SCHARRO0 (director)2 facts ▸
State Gazette act
Appointment: Thierry SCHARRO0 (director)
2 facts ▸
- Board meeting, 30-05-2023
- Director appointment, Thierry SCHARRO0 (director (executive))
13-07
State Gazette act
Appointment: Emmanuel GILARD (director)1 fact ▸
State Gazette act
Appointment: Emmanuel GILARD (director)
1 fact ▸
- Director appointment, Emmanuel GILARD (director)
21-04
State Gazette act
Reappointment: F.C.G., Réviseurs d'Entreprises (statutory auditor)Mandate compensation4 facts ▸
State Gazette act
Reappointment: F.C.G., Réviseurs d'Entreprises (statutory auditor)
Mandate compensation4 facts ▸
- General meeting, 21-03-2023
- Board meeting, 28-02-2023
- Auditor reappointment, F.C.G., Réviseurs d'Entreprises
- Mandate compensation, F.C.G., Réviseurs d'Entreprises
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Show earlier events
2022
13-10
State Gazette act
Resignation: Jeannine Fagnart (director)2 facts ▸
State Gazette act
Resignation: Jeannine Fagnart (director)
2 facts ▸
- Board meeting, 30-06-2022
- Director resignation, Jeannine Fagnart (director)
23-05
State Gazette act
Appointment: SCHARROO Thierry (director)Resignation: SACRE Didier (director) · Power of attorney5 facts ▸
State Gazette act
Appointment: SCHARROO Thierry (director)
Resignation: SACRE Didier (director) · Power of attorney5 facts ▸
- Board meeting, 26-08-2021
- Board meeting, 31-03-2022
- Director appointment, SCHARROO Thierry (director (executive))
- Director resignation, SACRE Didier (director (executive))
- Power of attorney, SCHARROO Thierry
04-04
State Gazette act
Reappointment: Emmanuel SIMON (director)2 facts ▸
State Gazette act
Reappointment: Emmanuel SIMON (director)
2 facts ▸
- General meeting, 15-03-2022
- Director reappointment, Emmanuel SIMON (director)
16-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-09
State Gazette act
Appointment: Ludovic COOLS (director)1 fact ▸
State Gazette act
Appointment: Ludovic COOLS (director)
1 fact ▸
- Director appointment, Ludovic COOLS (director)
18-05
State Gazette act
Reappointments: Ville de Châtelet (director) and Administration Communale de Farciennes (director)3 facts ▸
State Gazette act
Reappointments: Ville de Châtelet (director) and Administration Communale de Farciennes (director)
3 facts ▸
- General meeting, 16-03-2021
- Director reappointment, Ville de Châtelet (director)
- Director reappointment, Administration Communale de Farciennes (director)
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
23-04
State Gazette act
Appointment: F.C.G. & C° (statutory auditor)Reappointment: Francis LORAND (director)4 facts ▸
State Gazette act
Appointment: F.C.G. & C° (statutory auditor)
Reappointment: Francis LORAND (director)4 facts ▸
- General meeting, 17-03-2020
- Board meeting, 24-02-2020
- Auditor appointment, F.C.G. & C°
- Director reappointment, Francis LORAND (director)
20-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €401k ▼3.9%
Net result drops to €401k, the lowest in the series; recovery starts the following year.
21-10
State Gazette act
Appointment: Jacques Mabille (director)2 facts ▸
State Gazette act
Appointment: Jacques Mabille (director)
2 facts ▸
- Board meeting, 02-09-2019
- Director appointment, Jacques Mabille (director)
21-10
State Gazette act
Reappointments: Ville de Charleroi (director) and Ville de Fleurus (director)3 facts ▸
State Gazette act
Reappointments: Ville de Charleroi (director) and Ville de Fleurus (director)
3 facts ▸
- General meeting, 19-03-2019
- Director reappointment, Ville de Charleroi (director)
- Director reappointment, Ville de Fleurus (director)
15-07
State Gazette act
Appointment: Christine COLIN (director)Resignation: Mélina CACCIATORE (director)3 facts ▸
State Gazette act
Appointment: Christine COLIN (director)
Resignation: Mélina CACCIATORE (director)3 facts ▸
- Board meeting, 29-04-2019
- Director appointment, Christine COLIN (director)
- Director resignation, Mélina CACCIATORE (director)
24-06
State Gazette act
Appointment: LO RUSSO Antonella (director)Resignation: Jeannine FAGNARD (director)2 facts ▸
State Gazette act
Appointment: LO RUSSO Antonella (director)
Resignation: Jeannine FAGNARD (director)2 facts ▸
- Director appointment, LO RUSSO Antonella (director)
- Director resignation, Jeannine FAGNARD (director)
24-06
State Gazette act
Appointments: Mélina CACCIATORE (director) and Jeannine FAGNART (director)4 facts ▸
State Gazette act
Appointments: Mélina CACCIATORE (director) and Jeannine FAGNART (director)
4 facts ▸
- General meeting, 19-03-2019
- Board meeting, 22-01-2019
- Director appointment, Mélina CACCIATORE (director)
- Director appointment, Jeannine FAGNART (director)
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
26-02
State Gazette act
Resignation: Freddy HAUTEM (chair of the board)2 facts ▸
State Gazette act
Resignation: Freddy HAUTEM (chair of the board)
2 facts ▸
- Board meeting, 19-12-2018
- Director resignation, Freddy HAUTEM (chair of the board)
26-02
State Gazette act
Appointment: Francis LORAND (chair of the board)2 facts ▸
State Gazette act
Appointment: Francis LORAND (chair of the board)
2 facts ▸
- Board meeting, 22-01-2019
- Director appointment, Francis LORAND (chair of the board)
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-04
State Gazette act
Reappointment: F.C.G. (statutory auditor)Appointment: Emmanuel SIMON (director) · Mandate compensation4 facts ▸
State Gazette act
Reappointment: F.C.G. (statutory auditor)
Appointment: Emmanuel SIMON (director) · Mandate compensation4 facts ▸
- General meeting, 21-03-2017
- Auditor reappointment, F.C.G.
- Mandate compensation, F.C.G.
- Director appointment, Emmanuel SIMON (director)
11-04
State Gazette act
Appointments: Daniel SEVRIN (director) and Manu SIMON (administrateur à titre privé)Resignation: Manu SIMON (director)4 facts ▸
State Gazette act
Appointments: Daniel SEVRIN (director) and Manu SIMON (administrateur à titre privé)
Resignation: Manu SIMON (director)4 facts ▸
- Board meeting, 27/12/2016
- Director appointment, Daniel SEVRIN (director)
- Director resignation, Manu SIMON (director)
- Director appointment, Manu SIMON (administrateur à titre privé)
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
15-05
State Gazette act
Reappointments: Commune de FARCIENNES (director) and Ville de CHATELET (director)3 facts ▸
State Gazette act
Reappointments: Commune de FARCIENNES (director) and Ville de CHATELET (director)
3 facts ▸
- General meeting, 17-03-2015
- Director reappointment, Commune de FARCIENNES (director)
- Director reappointment, Ville de CHATELET (director)
2014
15-07
State Gazette act
Statutes amendment5 facts ▸
State Gazette act
Statutes amendment
5 facts ▸
- General meeting, 17-06-2014
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
28-04
State Gazette act
Resignation: Gérard LECAT (director)2 facts ▸
State Gazette act
Resignation: Gérard LECAT (director)
2 facts ▸
- Board meeting, 25-02-2014
- Director resignation, Gérard LECAT (director)
28-04
State Gazette act
Reappointment: F.C.G. (statutory auditor)Appointment: Francis LORAND (director) · Mandate compensation4 facts ▸
State Gazette act
Reappointment: F.C.G. (statutory auditor)
Appointment: Francis LORAND (director) · Mandate compensation4 facts ▸
- General meeting, 18-03-2014
- Auditor reappointment, F.C.G.
- Mandate compensation, F.C.G.
- Director appointment, Francis LORAND (director)
29-01
State Gazette act
Appointment: Francis LORAND (director)2 facts ▸
State Gazette act
Appointment: Francis LORAND (director)
2 facts ▸
- Board meeting, 27-08-2013
- Director appointment, Francis LORAND (director)
2013
29-07
State Gazette act
Reappointments: Freddy HAUTEM, Emile GROUX and 2 others5 facts ▸
State Gazette act
Reappointments: Freddy HAUTEM, Emile GROUX and 2 others
5 facts ▸
- General meeting, 19-03-2013
- Director reappointment, Freddy HAUTEM (director)
- Director reappointment, Emile GROUX (director)
- Director reappointment, Ville de FLEURUS (director)
- Director reappointment, Ville de CHARLEROI (director)
29-07
State Gazette act
Appointment: Melina CACCIATORE (director)Resignation: Francis LORAND (director)3 facts ▸
State Gazette act
Appointment: Melina CACCIATORE (director)
Resignation: Francis LORAND (director)3 facts ▸
- Board meeting, 06-05-2013
- Director appointment, Melina CACCIATORE (director)
- Director resignation, Francis LORAND (director)
29-07
State Gazette act
Appointment: Jeannine FAGNART (director)Resignation: Alex DEBRUX (director)3 facts ▸
State Gazette act
Appointment: Jeannine FAGNART (director)
Resignation: Alex DEBRUX (director)3 facts ▸
- Board meeting, 30-04-2013
- Director appointment, Jeannine FAGNART (director)
- Director resignation, Alex DEBRUX (director)
2012
19-10
State Gazette act
Appointment: Manu SIMON (director)1 fact ▸
State Gazette act
Appointment: Manu SIMON (director)
1 fact ▸
- Director appointment, Manu SIMON (director)
2011
02-05
State Gazette act
Reappointment: FALLON, CHAINIAUX, CLUDTS, GARNY & C° (statutory auditor)Mandate compensation3 facts ▸
State Gazette act
Reappointment: FALLON, CHAINIAUX, CLUDTS, GARNY & C° (statutory auditor)
Mandate compensation3 facts ▸
- General meeting, 15-03-2011
- Auditor reappointment, FALLON, CHAINIAUX, CLUDTS, GARNY & C°
- Mandate compensation, FALLON, CHAINIAUX, CLUDTS, GARNY & C°
2009
27-04
State Gazette act
Reappointments: Commune de FARCIENNES (director) and Ville de CHATELET (director)Permanent representatives: A. DEBRUX and J. MELOTTE5 facts ▸
State Gazette act
Reappointments: Commune de FARCIENNES (director) and Ville de CHATELET (director)
Permanent representatives: A. DEBRUX and J. MELOTTE5 facts ▸
- General meeting, 17.03.2009
- Director reappointment, Commune de FARCIENNES (director)
- Director reappointment, Ville de CHATELET (director)
- Permanent representative, A. DEBRUX
- Permanent representative, J. MELOTTE
2008
22-07
State Gazette act
Appointment: Alex DEBRUX (director)Resignation: Emile GROUX (director)3 facts ▸
State Gazette act
Appointment: Alex DEBRUX (director)
Resignation: Emile GROUX (director)3 facts ▸
- Board meeting, 29-05-2007
- Director appointment, Alex DEBRUX (director)
- Director resignation, Emile GROUX (director)
2007
05-03
State Gazette act
Appointment: Emile GROUX (administrateur à titre prive)2 facts ▸
State Gazette act
Appointment: Emile GROUX (administrateur à titre prive)
2 facts ▸
- Board meeting, 30-01-2007
- Director appointment, Emile GROUX (administrateur à titre prive)
2005
01-04
State Gazette act
Reappointment: H GARNY (commissaire réviseur)2 facts ▸
State Gazette act
Reappointment: H GARNY (commissaire réviseur)
2 facts ▸
- General meeting, 15-03-2005
- Auditor reappointment, H GARNY (commissaire réviseur)
24-01
State Gazette act
Capital & shares · Statutes amendmentStatutes amendment12 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Statutes amendment12 facts ▸
- General meeting, 25-11-2004
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
2004
22-03
State Gazette act
Appointment: Didier SACRE (director)Statutes amendment · Capital · Power of attorney5 facts ▸
State Gazette act
Appointment: Didier SACRE (director)
Statutes amendment · Capital · Power of attorney5 facts ▸
- General meeting, 23-01-2004
- Statutes amendment
- Capital, €396.800
- Director appointment, Didier SACRE (director (executive))
- Power of attorney, Didier SACRE
22-03
State Gazette act
Resignation: Yvonne FRERE (director)Appointment: Gérard LECAT (director)3 facts ▸
State Gazette act
Resignation: Yvonne FRERE (director)
Appointment: Gérard LECAT (director)3 facts ▸
- General meeting, 27-02-2004
- Director resignation, Yvonne FRERE (director)
- Director appointment, Gérard LECAT (director)
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
19 directors, no change since 2025
Mucahit-Mustafa YILDIZ
CurrentDirector · since 11-06-2025
Sukru OZKAYA
CurrentDirector · since 19-05-2025
Melina CACCIATORE
CurrentDirector · since 18-03-2025
Ludovic COOLS
CurrentDirector · since 29-06-2023
Thierry SCHARRO0
CurrentDirector (executive) · since 30-05-2023
Emmanuel GILARD
CurrentDirector · since 16-02-2023
13 other directors
SCHARROO Thierry
CurrentDirector (executive) · since 01-06-2022
Administration Communale de Farciennes
CurrentDirector · since 16-03-2021 · Legal entity
Ville de Charleroi
CurrentDirector · since 19-03-2019 · Legal entity
VILLE DE FLEURUS
CurrentDirector · since 19-03-2019 · Legal entity
Emmanuel SIMON
CurrentDirector · since 27-12-2016
ville de Châtelet
CurrentDirector · since 17-03-2009 · Legal entity
Francis LORAND
Not recently confirmedChair of the board · since 27-08-2013
Jacques Mabille
Not recently confirmedDirector · since 02-09-2019
Christine COLIN
Not recently confirmedDirector · since 29-04-2019
Antonella Lo Russo
Not recently confirmedDirector · since 31-01-2019
Daniel SEVRIN
Not recently confirmedDirector · since 06-10-2016
Commune de Farciennes
Not recently confirmedDirector · since 17-03-2009 · Legal entity
Emile GROUX
Not recently confirmedAdministrateur à titre prive · since 30-01-2007
11-06-2025
Mucahit-Mustafa YILDIZ: Appointed as Director
19-05-2025
Sukru OZKAYA: Appointed as Director
18-03-2025
Melina CACCIATORE: Mandate renewed as Director
18-03-2025
Ludovic COOLS: Appointed as Director
18-03-2025
Ville de Charleroi: Mandate renewed as Director
Location & real-estate footprint
Registered office, Châtelet · 2 establishment units since 1930
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.
Rue de la Station 232A6200 ChâteletGround area
814 m²
Building footprint
368 m²
Volume, LiDAR
2,502 m³
2 parcels, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Rue de la Station 232, 6200 Châtelet
since 19302.003.602.207
LE CREDIT HYPOTHECAIRE O. BRICOULT
since 20112.196.012.593
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52021D0406/00V002 | Wallonia | 439 m² | 1 · 222 m² | 13.5 m · 4 fl. |
| 52012A0061/00H015 | Wallonia | 375 m² | 1 · 146 m² | - |
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| F.C.G. REVISEURS D'ENTREPRISESCurrent Auditor · represented by Steve LOTTIN | 21-03-2023 → present |
Show 3 earlier auditors
| F.C.G. Auditor succeeded by F.C.G. REVISEURS D'ENTREPRISES in 2023 | 18-03-2014 → 21-03-2023 |
| Fallon, Chainiaux, Cludts, Garny & C° Auditor succeeded by F.C.G. in 2014 | 15-03-2011 → 18-03-2014 |
| H GARNY Commissaire réviseur succeeded by Fallon, Chainiaux, Cludts, Garny & C° in 2011 | 15-03-2005 → 15-03-2011 |
Articles of association
Purpose
La société a pour mission exclusive de fournir et de gérer et de promouvoir le crédit hypothécaire social tel que défini par le Code wallon de l'habitation durable
Full purpose
La société a pour mission exclusive de fournir et de gérer et de promouvoir le crédit hypothécaire social tel que défini par le Code wallon de l'habitation durable.
Structure & network
Connections & network
4 connected companiesLinked via shared directors
Shared director
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Shared director
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Shared director
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Shared director
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Capital and shareholders
Capital over the years
- 28-07-2023 Capital stated in 2 acts · 396,800 EUR · 17,050 shares
Similar companies · same sector, comparable size
Tous Propriétaires
BE 0401.731.339
Erquelinnes · Eq €14.89M
ELANTIS
BE 0404.228.296
Liège · Eq €20.75M
Kempische Heerd
BE 0404.164.554
Turnhout · Eq €14.23M
La Prévoyance
BE 0401.778.057
La Louvière · Eq €12.52M
CREDISSIMO
BE 0403.977.482
Liège · Eq €25.38M
Of 93 companies in sector 64922 we hold annual accounts for 75. 36 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
Founded21-08-1930
Fiscal year end31-12
Activities, NACEBEL 2025
64922Financial 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.
Contact details
1 entryE-mail:info@o-bricoult.be
General meetings
3 convocationsOrdinary general meeting
Agenda
• Rapport de l’organe d’administration. • Rapport du commissaire-réviseur. • Approbation du bilan, des comptes de résultats et répartition du bénéfice. • Décharge à donner aux administrateurs. • Décharge à donner à la s.r.l. F.C.G., réviseurs d’entreprises. • Representée par Monsieur Gilles MEYFROIDT. • Nomination statutaire. • Désignation du réviseur d’entreprise (exercices comptables 2026- 2027-2028) • Divers.
Ordinary general meeting
Agenda
Rapport de l’Organe d’Administration. Rapport du commissaire-réviseur. Approbation du bilan, des comptes de résultats et répartition du bénéfice. Décharge à donner aux administrateurs et au réviseur. Divers.
General meeting
Agenda
Rapport de l’organe d’administration. Rapport du commissaire-réviseur. Approbation du bilan, des comptes de résultats et répartition du bénéfice. Décharge à donner aux administrateurs. Décharge à donner à la SCRL F.C.G., réviseurs d’entreprises. Nominations statutaires. Divers.