Tournai Logement
ActiveTournai Logement has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €844k and a net result of €91k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 4522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 4.62 against 4.2 in 2024; short-term debt: 19% and cash: 83% of total assets), and 23.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.2%
Return on assets
8.2%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
18 d late
2023
20 d late
2022
18 d early
2021
58 d late
2020
423 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€91k▼ 36.3%
2024 · €143k
2020: €83k
2021: €58k
2022: €30k
2023: €12k
2024: €143k
2020 → 2025
Working capital
€760k▲ 1.6%
2024 · €748k
2020: €569k
2021: €515k
2022: €541k
2023: €492k
2024: €748k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€567k-€598k▲ 5.4%€610k▲ 2.0%€753k▲ 23.4%€844k▲ 12.1%
Operating result€58k-€32k▼ 45.7%€12k▼ 61.9%€137k▲ 1,033%€84k▼ 38.9%
Net result€58k-€30k▼ 47.5%€12k▼ 60.6%€143k▲ 1,093%€91k▼ 36.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€137k▲ 2,917%
Current assets
€970k▼ 1.2%
Equity and liabilities €1.11M
Equity
€844k▲ 12.1%
Debt
€264k▲ 12.8%
The debt ratio rises from 23.7% to 23.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€108k▼
2024 · €138k
Cash flow
€115k▼
2024 · €144k
Solvency
76.2%▼
2024 · 76.3%
Current ratio
4.62▲
2024 · 4.20
Quick ratio
4.62▲
2024 · 4.20
Debt / equity
0.31▲
2024 · 0.31
ROE
10.8%▼
2024 · 19.0%
ROA
8.2%▼
2024 · 14.5%
Interest coverage
42.83▼
2024 · 99.87
Debt
€264k▲
2024 · €234k
Debt ≤ 1 year
€210k▼
2024 · €234k
Debt > 1 year
€54k▲
2024 · €0
Income taxes
€3k
Staff costs
€410k▲
2024 · €406k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€987k€1.11M▲
Fixed assets21/28€5k€137k▲
Tangible fixed assets22/27€5k€137k▲
Land and buildings22€0€134k▲
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€972€706▼
Other tangible fixed assets26€130€25▼
Current assets29/58€982k€970k▼
Amounts receivable within one year40/41€136k€47k▼
Trade receivables40€14k€0▼
Other amounts receivable41€123k€47k▼
Cash at bank and in hand54/58€843k€919k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€987k€1.11M▲
Equity10/15€753k€844k▲
Profit (loss) carried forward14€753k€844k▲
Amounts payable17/49€234k€264k▲
Amounts payable after more than one year17€0€54k▲
Financial debts170/4€0€54k▲
Amounts payable within one year42/48€234k€210k▼
Current portion of amounts payable after more than one year42€0€3k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Advances received on contracts in progress46€80k€103k▲
Taxes, remuneration and social security45€58k€50k▼
Taxes450/3€4k€0▼
Remuneration and social security454/9€53k€50k▼
Other amounts payable47/48€93k-
Income statement
Code20242025
Non-recurring operating income76A€22k€0▼
Remuneration, social security and pensions62€406k€410k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€24k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€4k€35k▲
Non-recurring operating charges66A€0€5k▲
Gross operating margin9900€548k€558k▲
Operating profit (loss)9901€137k€84k▼
Financial income75/76B€7k€12k▲
Recurring financial income75€7k€12k▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€143k€94k▼
Income taxes67/77-€3k
Profit (loss) for the period9904€143k€91k▼
Profit (loss) for the period to be appropriated9905€143k€91k▼
Appropriation of the result
Profit (loss) to be appropriated9906€753k€844k▲
Profit (loss) brought forward from the previous period14P€610k€753k▲
Social balance
Average headcount (FTE)90875.75.7=
The notes to these accounts (17 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
22-07
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 23/06/2026
- Registered-office move, Rue As-Pois(TOU) 4 boîte D, 7500 Tournai
2025
25-11
State Gazette act
Statutes amendment · Resignations & appointmentsGeneral meeting · Director appointment · Director reappointment41 facts ▸
State Gazette act
Statutes amendment · Resignations & appointments
General meeting · Director appointment · Director reappointment41 facts ▸
- General meeting, 2025-06-10
- Director appointment, BOULANT Yvan (administrateur)
- Director appointment, GLORIEUX Virginie (administrateur)
- Director appointment, PETIT Simon (administrateur)
- Director appointment, ARA Linda (administrateur)
- Director appointment, DHAENENS Séverine (administrateur)
- Director appointment, DESEVEAUX Charles (administrateur)
- Director appointment, HURBAIN Clara (administrateur)
- Director appointment, PENNEQUIN Virginie (administrateur)
- Director appointment, DOCHY Sophie (administrateur)
- Director appointment, BERNARD Julien (administrateur)
- Director reappointment, DINOIR Grégory (administrateur)
- +29 further facts in this act
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 18 days late
2024
31-12
Financial
Highest result since 2020net €143k ▲1093%
Operating result €137k, net result €143k, both a record.
05-11
State Gazette act
Statutes amendment · Resignations & appointmentsBoard meeting · Power of attorney · Director appointment9 facts ▸
State Gazette act
Statutes amendment · Resignations & appointments
Board meeting · Power of attorney · Director appointment9 facts ▸
- Board meeting, 2023-01-31
- Power of attorney, agents techniques
- Power of attorney, assistantes sociales
- Board meeting, 2023-12-14
- Director appointment, Sintobin Lindsay (délégué à la gestion journalière)
- General meeting, 2024-08-20
- Director resignation, Cochez Patrick (Administrateur représentant de la Ville de Tournai)
- Statutes amendment
- Corporate purpose, L'association a pour but dans le respect du Code wallon de I'habitation durable et de l'arrêté du Gouvernement Wallon du 12/12/2013, de poursuivre l'ensemble de…
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 20 days late
2023
31-12
Financial
Weakest financial yearnet €12k ▼60.6%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
24-07
State Gazette act
Registered office · Resignations & appointmentsGeneral meeting · Director resignation · Director appointment8 facts ▸
State Gazette act
Registered office · Resignations & appointments
General meeting · Director resignation · Director appointment8 facts ▸
- General meeting, 2023-06-27
- Director resignation, Alain Lintermans (administrateur)
- Director appointment, Alexis (administrateur)
- Member resignation, Barbara Coupé
- Member admission, Sabine Pipart
- Board meeting, 2023-06-07
- Registered-office move, Rue des Corriers, 14 à 7500 Tournai
- Director resignation, Catherine Dallenne (délégué à la gestion journalière)
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 58 days late
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 423 days late
2021
20-12
State Gazette act
Registered office · Statutes amendment · Resignations & appointmentsGeneral meeting · Director resignation · Director appointment39 facts ▸
State Gazette act
Registered office · Statutes amendment · Resignations & appointments
General meeting · Director resignation · Director appointment39 facts ▸
- General meeting, 2021-11-18
- Director resignation, Delannois Paul-Olivier (administrateur)
- Director resignation, Graide Marielle (administrateur)
- Director appointment, Godet Joseph (administrateur)
- Director appointment, Lefebvre Florian (administrateur)
- Director appointment, Godet Joseph (délégué à la gestion journalière)
- Board composition, administrateur, 2021-11-18
- Board composition, administrateur, 2021-11-18
- Board composition, administrateur, 2021-11-18
- Board composition, administrateur, 2021-11-18
- Board composition, administrateur, 2021-11-18
- Board composition, administrateur, 2021-11-18
- +27 further facts in this act
2020
23-10
State Gazette act
Resignations & appointmentsDirector resignation2 facts ▸
State Gazette act
Resignations & appointments
Director resignation2 facts ▸
- Director resignation, Deleruelle Didier (délégué à la gestion journalière)
- Director resignation, Braeckelaere Vincent (délégué à la gestion journalière)
2019
20-12
State Gazette act
Capital & shares · Resignations & appointmentsDirector resignation · Director appointment52 facts ▸
State Gazette act
Capital & shares · Resignations & appointments
Director resignation · Director appointment52 facts ▸
- Director resignation, Boucart Chantal (administrateur)
- Director resignation, Bourdeaud'huy Pierre (administrateur)
- Director resignation, Braeckelaere Vincent (administrateur)
- Director resignation, Caby Jean-Paul (administrateur)
- Director resignation, Cochez Patrick (administrateur)
- Director resignation, Cousaert Louis (administrateur)
- Director resignation, De Langhe Bruno (administrateur)
- Director resignation, Dechamps Isabelle (administrateur)
- Director resignation, Delbecq Astrid (administrateur)
- Director resignation, Deleruelle Didier (administrateur)
- Director resignation, Delitte Geoffroy (administrateur)
- Director resignation, Delzenne Martine (administrateur)
- +40 further facts in this act
22-10
State Gazette act
Resignations & appointmentsDirector resignation · Director appointment13 facts ▸
State Gazette act
Resignations & appointments
Director resignation · Director appointment13 facts ▸
- Director resignation, DALLENNE, CATHERINE (administrateur)
- Director resignation, Delrue, Jean-Pierre (administrateur)
- Director resignation, Dermaux, Francis (administrateur)
- Director resignation, Lebert, Didier (administrateur)
- Director resignation, Lecoutre, Christophe (administrateur)
- Director resignation, Simon, Chantal (administrateur)
- Director resignation, Dufour, Valérie (délégué à la gestion journalière)
- Director resignation, Vandenbeyvanghe, Colette (délégué à la gestion journalière)
- Director appointment, LEFEBVRE François (administrateur)
- Director appointment, Puleo stefano (administrateur)
- Director appointment, DELERUELLE DIDIER (délégué à la gestion journalière)
- Director appointment, Dinoir gregory (délégué à la gestion journalière)
- +1 further facts in this act
25-06
State Gazette act
Statutes amendmentCorporate purpose · Statutes amendment2 facts ▸
State Gazette act
Statutes amendment
Corporate purpose · Statutes amendment2 facts ▸
- Corporate purpose, 1. de rechercher la meilleure adéquation possible entre l'offre en logements potentiels disponibles et les besoins sociaux recensés au plan local; 2. de conclur…
- Statutes amendment
2016
23-03
State Gazette act
Resignations & appointmentsDirector appointment · Board composition32 facts ▸
State Gazette act
Resignations & appointments
Director appointment · Board composition32 facts ▸
- Director appointment, BOUCART Chantal (administrateur)
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- Board composition, administrateur, 2016-02-23
- +20 further facts in this act
12-02
State Gazette act
Resignations & appointmentsDirector resignation · Board composition · Director appointment32 facts ▸
State Gazette act
Resignations & appointments
Director resignation · Board composition · Director appointment32 facts ▸
- Director resignation, Vandenbeyvanghe Colette (administratrice)
- Director resignation, Braeckelaere Vincent (administrateur)
- Board composition, administrateur
- Board composition, administrateur
- Board composition, administrateur
- Board composition, administrateur
- Board composition, administrateur
- Board composition, administrateur
- Board composition, administratrice
- Board composition, administratrice
- Board composition, administrateur
- Board composition, administrateur
- +20 further facts in this act
15-01
State Gazette act
Statutes amendmentStatutes amendment1 fact ▸
State Gazette act
Statutes amendment
Statutes amendment1 fact ▸
- Statutes amendment
2015
08-04
State Gazette act
Statutes amendmentStatutes amendment4 facts ▸
State Gazette act
Statutes amendment
Statutes amendment4 facts ▸
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
12-01
State Gazette act
Resignations & appointmentsDirector appointment1 fact ▸
State Gazette act
Resignations & appointments
Director appointment1 fact ▸
- Director appointment, DELERUELLE DIDIER (Secrétaire)
2014
19-11
State Gazette act
Resignations & appointmentsGeneral meeting · Board meeting · Director resignation11 facts ▸
State Gazette act
Resignations & appointments
General meeting · Board meeting · Director resignation11 facts ▸
- General meeting, 2014-10-21
- Board meeting, 2014-10-21
- Director resignation, HUVENNE JEAN (administrateur)
- Director resignation, SORY EDDY (Vice-président)
- Director resignation, SORY EDDY (Tresorier)
- Director resignation, DUFOUR VALERIE (SECRETAIRE)
- Director appointment, DINOIR GREGORY (2nd Vice-président)
- Director appointment, ERVYN QUENTIN (Tresorier)
- Director appointment, DALLENNE Catherine (gestion journalière)
- Director appointment, VANDECAVEYE Emmanuel (administrateur)
- Director appointment, BAAECKELAERE VincAt (Président)
16-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director appointment78 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director appointment78 facts ▸
- General meeting, 2013-10-08
- Director resignation, AUBRY Vincent (administrateur)
- Director resignation, BAL Pierre (administrateur)
- Director resignation, BOITE Armand (administrateur)
- Director resignation, BOUCHEZ Maryse (administrateur)
- Director resignation, COSSEMENT Marc (administrateur)
- Director resignation, DUPONT Sébastien (administrateur)
- Director resignation, DUTHY André (administrateur)
- Director resignation, FOCKEDEY André (administrateur)
- Director resignation, HEINTZE Mélanie (administrateur)
- Director resignation, HELIN Nelly (administrateur)
- Director resignation, LADAVID Coralie (administrateur)
- +66 further facts in this act
2013
25-03
State Gazette act
Statutes amendment · Resignations & appointmentsGeneral meeting · Corporate purpose · Statutes amendment35 facts ▸
State Gazette act
Statutes amendment · Resignations & appointments
General meeting · Corporate purpose · Statutes amendment35 facts ▸
- General meeting, 2013-02-06
- Corporate purpose, de répondre aux besoins de la population en matière d'information et d'éducation relative au logement. Elle peut accomplir tous les actes se rapportant indirect…
- Statutes amendment
- Director appointment, DE LANGHE Bruno (administrateur)
- Director appointment, HEINTZE Mélanie (administrateur)
- Director appointment, VANUEL PHILIPPE (administrateur)
- Director appointment, DUTHY Andre (administrateur)
- Director appointment, BOUCHEZ Maryse (administrateur)
- Director appointment, WACQUIER Pierre (administrateur)
- Director appointment, DALLENNE Catherine (délégué à la gestion journalière)
- Director appointment, Sory Eddy (Président)
- Director appointment, Cossement Marc (Premier Vice-président)
- +23 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
80 directors, no change since 2025
DELRUE Frédéric
CurrentDirector · since 04-11-2025
VINCKIER Philippe
CurrentDirector · since 04-11-2025
ARA Linda
CurrentDirector · since 10-06-2025
BERNARD Julien
CurrentDirector · since 10-06-2025
BOULANT Yvan
CurrentDirector · since 10-06-2025
DESEVEAUX Charles
CurrentDirector · since 10-06-2025
+ 19 not shown in this overview
04-11-2025
DELRUE Frédéric: Appointed as Director
04-11-2025
VINCKIER Philippe: Appointed as Director
04-11-2025
HURBAIN Clara: Resigned as Director
02-07-2025
PENNEQUIN Virginie: Appointed as Secrétaire
02-07-2025
PETIT Simon: Appointed as 1er vice président
02-07-2025
VALTER Alexis: Appointed as Chair
02-07-2025
Dinoir Grégory: Appointed as 2nd vice président
02-07-2025
Gumus Devrim: Appointed as Treasurer
10-06-2025
ARA Linda: Appointed as Director
10-06-2025
BERNARD Julien: Appointed as Director
10-06-2025
BOULANT Yvan: Appointed as Director
10-06-2025
DESEVEAUX Charles: Appointed as Director
10-06-2025
DHAENENS Séverine: Appointed as Director
10-06-2025
DOCHY Sophie: Appointed as Director
10-06-2025
GLORIEUX Virginie: Appointed as Director
10-06-2025
PENNEQUIN Virginie: Appointed as Director
10-06-2025
PETIT Simon: Appointed as Director
10-06-2025
VALTER Alexis: Mandate renewed as Director
10-06-2025
Deleruelle Didier: Mandate renewed as Director
10-06-2025
Delzenne Martine: Mandate renewed as Director
10-06-2025
Descarpentry Sandrina: Mandate renewed as Director
10-06-2025
Dinoir Grégory: Mandate renewed as Director
10-06-2025
Gumus Devrim: Mandate renewed as Director
10-06-2025
Puleo Stefano: Mandate renewed as Director
+ 173 not shown in this overview
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 1994
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 As-Pois(TOU) 47500 TournaiGround area
100 m²
Building footprint
82 m²
Volume, LiDAR
730 m³
Parcel 57081G0028/00C000, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tournai Logement
since 19942.165.781.950
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081G0028/00C000indicative | Wallonia | 100 m² | 1 · 82 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
29 connected companiesLinked via shared directors
viaVINCKIER Philippe · Director
→
viaQuintart Jacky · Director
→
viaVINCKIER Philippe · Président de cpas ps
→
viaDESEVEAUX Charles · Administrateur du conseil d'administration
→
Show 15 more companies with a shared director
viaPuleo Stefano · Permanent representative
→
viaARA Linda · Director
former→
viaDELRUE Frédéric · Director
former→
viaQuintart Jacky · Director
former→
viaGLORIEUX Virginie · Director
former→
viaDeleruelle Didier · Director
former→
viaDeleruelle Didier · Daily management delegate
former→
viaDeleruelle Didier · Director
former→
viaGumus Devrim · Director
former→
viaBERNARD Julien · Director
former→
viaDescarpentry Sandrina · Director
former→
viaBOULANT Yvan · Director
former→
viaPETIT Simon · Director
former→
viaDinoir Grégory · Director
former→
viaDescarpentry Sandrina · Director
former→
Network connections
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Show 6 more network connections
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
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Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded18-01-1994
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.