CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE
CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE, which trades as CFCAL-Banque, is a French société anonyme à directoire et conseil de surveillance (a public limited company with a management board and a supervisory board). It is registered with the Strasbourg Trade and Companies Register (RCS) under SIREN 568 501 282, and its registered office is at 1 rue du Dôme, 67000 Strasbourg. The INSEE Sirene register records the legal unit as active. The 14-digit number 568 501 282 00012 shown on the card above is the SIRET of the registered-office establishment. It is not the company number.
CFCAL-Banque is a licensed credit institution. The ACPR’s REGAFI register lists it as an “Établissement de crédit – Banque”, CIB code 15149, holding a banking licence (agrément) dated 17 November 1984 and shown as active. REGAFI also records investment-service permissions from 3 January 2018, account-keeping and custody from 3 February 1999, and regulated guarantees from 25 June 1999. The business is debt consolidation (mortgage-backed and unsecured), home loans and loans to property investors, plus savings accounts and term deposits for individuals and legal entities. Its loans are sold through independent brokers and intermediaries rather than its own branches. Sirene classifies the activity under NAF 64.92Z (other credit granting). The bank is also registered with ORIAS as an insurance intermediary under number 07 029 152.
The company dates itself to 1872 in Strasbourg. A CFCAL-Banque document filed with the AMF on 18 January 2011 states that the Crédit Foncier et Communal d’Alsace et de Lorraine was created in 1872 as a société anonyme and took the name CFCAL-Banque on 27 December 1999. The stored incorporation date of 1956-01-01 is the creation date of the Sirene record, which GLEIF repeats. It is not when the company was founded. Its share capital is €20,988,295.69, following an increase published in BODACC on 3 August 2023.
CFCAL-Banque’s shares were listed on Euronext Paris (compartment B, ISIN FR0000064560). The AMF recorded their delisting on 9 July 2012. Since 14 May 2018 the bank has operated in Belgium through a branch, CFCAL-Bank, Brussels (Belgian enterprise number 0685.497.713). That branch is part of the same legal entity.
On size, Sirene places the company in the 200–249 employee band for 2024. The company’s own website states 207 staff in 2023 and more than 100,000 clients in 2025, and separately cites about €7 billion of loans outstanding without giving a date. Annual accounts are filed every year; BODACC published the filing of the 2024 accounts on 10 September 2025. However, no company-level revenue or profit figure was found in an openly readable source, so none is given here.
Sources
- recherche-entreprises.api.gouv.fr (INSEE Sirene / RNE), SIREN 568501282 — https://recherche-entreprises.api.gouv.fr/search?q=568501282 — Sirene update 6 Dec 2025, RNE update 24 Sep 2026; retrieved 2026-10-15
- ACPR REGAFI open data, entity and authorisation records (id 11268) — https://www.regafi.fr/api/explore/v2.1/catalog/datasets/prd-banque-entites/records?where=siren%3D%22568501282%22 — retrieved 2026-10-15
- CFCAL-Banque, “Autres informations” document filed with the AMF (211C0064), 18 Jan 2011 — https://bdif.amf-france.org/back/api/v1/documents/2011/211C0064/4FF9423070C4761BDE7E9A0EABEBF138AA30B87FD15D13A484550BB20037F996.pdf — retrieved 2026-10-15
- AMF notice 212C0895, 9 Jul 2012 — https://bdif.amf-france.org/back/api/v1/documents/2012/212C0895/07CC1183A3748D67D4B2557ECD16A477CE0DEDA7640BE60CD19FE843B6BBF471.pdf — retrieved 2026-10-15
- BODACC notices for RCS Strasbourg 568 501 282 (incl. B201601941167, B202301482027, C202501732784) — https://bodacc-datadila.opendatasoft.com/api/explore/v2.1/catalog/datasets/annonces-commerciales/records?where=registre%20like%20%22568501282%25%22 — 2008–2025; retrieved 2026-10-15
- CFCAL-Banque legal notice — https://public.cfcal-banque.fr/mentions-legales — retrieved 2026-10-15
- CFCAL-Banque, “À propos” and home page — https://public.cfcal-banque.fr/qui-sommes-nous/ — retrieved 2026-10-15
- Company fundamentals
- Corporate linkage & group structures
- Digitized company financials
- Firmographics — websites, social profiles, revenue and employee estimates
Shareholders
1
Shareholders of CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE
CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE (CFCAL-Banque) is owned by Crédit Mutuel Arkéa (RCS Brest 775 577 018), a cooperative credit société anonyme with variable capital.
The holding was built in stages, and the AMF recorded each stage. Crédit Foncier de France held 65.80% after its 2004 tender offer. On 17 December 2010 it sold 2,500,108 shares off-market to Crédit Mutuel Arkéa. After Arkéa’s price-guarantee offer (21 January to 10 February 2011, €60.10 per share), Arkéa held 3,331,036 shares, or 90.99%. On 12 April 2012 it bought another 230,871 shares, bringing its direct holding to 97.30%. Arkéa then made a buy-out offer followed by a squeeze-out. When the offer closed, it held 3,579,134 shares, or 97.77% of both capital and voting rights (out of 3,660,850 shares). On 9 July 2012 the remaining shares were transferred to Arkéa and the stock was delisted from Euronext Paris.
Arkéa’s 2025 Universal Registration Document (Note 46) lists CFCAL-Banque at 100.0% control and 100.0% ownership interest at both 31 December 2025 and 31 December 2024. These are group consolidation figures, rounded to one decimal place. The share capital was increased to €20,988,295.69 (BODACC, 3 August 2023). No public filing seen gives the share count after that increase or names any other holder, so the exact current register of shareholders is not public.
The provider table on this page shows a single row: a named individual holding 100%. No filing supports this. BODACC notices from 2023 and 2024 record that person as chairman of the management board (président du directoire), and the company’s own website calls him a former chairman. Holding that office is not ownership, so the row should be disregarded.
Ultimate beneficial ownership
No natural person is identified as a beneficial owner. The controlling shareholder, Crédit Mutuel Arkéa, is a cooperative banking group made up of the Crédit Mutuel de Bretagne and Crédit Mutuel du Sud-Ouest federations and their local member credit unions. GLEIF records Crédit Mutuel Arkéa (LEI 96950041VJ1QP0B69503) as the direct parent and the Confédération Nationale du Crédit Mutuel (LEI 9695000CG7B84NLR5984) as the ultimate parent. These GLEIF links reflect accounting consolidation and do not show any natural person’s holding.
Data availability
Availability: Partial. The controlling holder is fully documented through AMF notices and the parent’s consolidated scope. A share-level register after the 2023 capital increase is not public. France’s register of beneficial owners has been closed to the general public since the CJEU judgment of 22 November 2022.
Sources
- AMF notice 212C0697 (buy-out offer filed), 5 Jun 2012 — https://bdif.amf-france.org/back/api/v1/documents/2012/212C0697/928D60EB70B2E41009ACEB1CC1C1F27ABB689E56064B84DEACC6716C6FF8D07B.pdf — retrieved 2026-10-15
- AMF notice 212C0895 (result of offer and squeeze-out; delisting), 9 Jul 2012 — https://bdif.amf-france.org/back/api/v1/documents/2012/212C0895/07CC1183A3748D67D4B2557ECD16A477CE0DEDA7640BE60CD19FE843B6BBF471.pdf — retrieved 2026-10-15
- CFCAL-Banque “Autres informations” (AMF 211C0064), 18 Jan 2011 — https://bdif.amf-france.org/back/api/v1/documents/2011/211C0064/4FF9423070C4761BDE7E9A0EABEBF138AA30B87FD15D13A484550BB20037F996.pdf — retrieved 2026-10-15
- Crédit Mutuel Arkéa, Universal Registration Document 2025, Note 46 (scope of consolidation, printed p.433) — https://www.cm-arkea.com/arkea/banque/upload/docs/application/pdf/2026-04/cma_urd_2025_assemblage_en_opti.pdf — April 2026; retrieved 2026-10-15
- BODACC notice B202301482027 (capital), 3 Aug 2023 — https://www.bodacc.fr/pages/annonces-commerciales-detail/?q.id=id:B202301482027 — retrieved 2026-10-15
- GLEIF LEI record 969500YEPXWE78XJIB31 and parent relationships — https://api.gleif.org/api/v1/lei-records/969500YEPXWE78XJIB31 — last update 17 Apr 2026; retrieved 2026-10-15
Data-provider feed — rows as supplied to Zavia for INPI (Institut National de la Propriété Industrielle), including entries the profile above does not cover. These rows are not a verbatim copy of the register: they have been found to duplicate the same person under different spellings and to keep a status of Active after an appointment ended. Where they disagree with the profile above, the profile is the checked version.
| Shareholder | Type | Holding | Source Document |
|---|---|---|---|
| Francois Leprince | 100% | INPI (Institut National de la Propriété Industrielle) |
Officers
5
Directors and officers of CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE
CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE has a two-tier board: a management board (directoire) and a supervisory board (conseil de surveillance). The National Register of Companies (RNE, updated 24 September 2026) and the latest BODACC administration notice (21 September 2025) both list a three-member management board. Jean-Marie Alfonsi is chairman of the management board (président du directoire), and the company’s legal notice names him as its legal representative. The other two members are Maria Madalena Magalhães (née Dos Santos Magalhães) and Julien Bonnin.
The RNE lists nine natural persons as supervisory board members: Thierry Amicel, Johann Boche, Anne Cariou, Christelle Feuvrier-Colas, Evelyne Ryo (née Le Métayer), Erwan Meudec, Olivier Morice-Morand, Jérôme Séré and Laurent Soccorsi. The two sources differ on some details:
- BODACC records Thierry Amicel as vice-chairman, while the RNE gives his role as “Autre” (other).
- BODACC lists Crédit Mutuel Arkéa itself as a supervisory board member, represented by Jérôme Séré.
- Neither source names a chairman of the supervisory board. Crédit Mutuel Arkéa’s 2025 Universal Registration Document, however, states that Erwan Meudec has chaired the supervisory board since 12 May 2025.
The statutory auditors (commissaires aux comptes titulaires) are Deloitte (SIREN 572 028 041) and PricewaterhouseCoopers Audit (SIREN 672 006 483).
Recent officer changes
- Chairman of the management board: François Leprince held the post in BODACC notices up to 17 November 2024. Jean-Marie Alfonsi holds it from the notice of 19 January 2025. The notices do not give the effective date of the change.
- Chairman of the supervisory board: Patrick Le Provost held the post until 12 May 2025, and Erwan Meudec has held it since that date (Arkéa URD 2025, printed pp.46–47).
- Statutory auditor: Mazars SA is listed in the notice of 19 January 2025. By 21 September 2025, PricewaterhouseCoopers Audit is listed in its place.
Data availability
Availability: Full for current office-holders and titles. Appointment dates come from the RCS filings and are not reproduced in the free RNE data, so dates above are publication dates of BODACC notices unless stated otherwise. The French register does not publish officers’ nationality, which is therefore not disclosed here.
The provider feed behind the officer cards on this page holds 5 of the 35 rows it reports. Two of those 5 are out of date. Hélène Cadour (née Bescond) is shown as a supervisory board member, but she is not in the September 2025 notice or the RNE. Mazars SA is shown as statutory auditor, but has been replaced. The cards also show home-town locations for named individuals that do not come from any company filing.
Sources
- recherche-entreprises.api.gouv.fr (RNE officers), SIREN 568501282 — https://recherche-entreprises.api.gouv.fr/search?q=568501282 — RNE update 24 Sep 2026; retrieved 2026-10-15
- BODACC B202501811739, 21 Sep 2025 — https://www.bodacc.fr/pages/annonces-commerciales-detail/?q.id=id:B202501811739 — retrieved 2026-10-15
- BODACC B202500131685, 19 Jan 2025 — https://www.bodacc.fr/pages/annonces-commerciales-detail/?q.id=id:B202500131685 — retrieved 2026-10-15
- BODACC B202402221404, 17 Nov 2024 — https://www.bodacc.fr/pages/annonces-commerciales-detail/?q.id=id:B202402221404 — retrieved 2026-10-15
- Crédit Mutuel Arkéa, Universal Registration Document 2025, Board of Directors biographies (printed pp.46–47) — https://www.cm-arkea.com/arkea/banque/upload/docs/application/pdf/2026-04/cma_urd_2025_assemblage_en_opti.pdf — April 2026; retrieved 2026-10-15
- CFCAL-Banque legal notice — https://public.cfcal-banque.fr/mentions-legales — retrieved 2026-10-15
Data-provider feed — rows as supplied to Zavia for INPI (Institut National de la Propriété Industrielle), including entries the profile above does not cover. These rows are not a verbatim copy of the register: they have been found to duplicate the same person under different spellings and to keep a status of Active after an appointment ended. Where they disagree with the profile above, the profile is the checked version.
Group Structure
Group structure of CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE
CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE belongs to the Crédit Mutuel Arkéa group, a French cooperative banking and insurance group. Crédit Mutuel Arkéa (RCS Brest 775 577 018) is its immediate parent. The parent’s 2025 Universal Registration Document fully consolidates CFCAL-Banque at 100.0% control and interest, within the “Insurance, asset management and external distribution” division, and lists the bank’s Belgian branch separately. GLEIF records the Confédération Nationale du Crédit Mutuel as the ultimate parent; that is an accounting-consolidation link, not a statement of a direct shareholding.
No subsidiary of CFCAL-Banque is currently verified. Its former covered-bond subsidiary, CFCAL-SCF, was merged into it in 2017–2018. The Belgian operation is a branch, so it is part of the same company and not a subsidiary. The provider tree on this page correctly places CFCAL-Banque directly under Crédit Mutuel Arkéa, but lists the parent’s other subsidiaries and their holdings as well. Those are sister entities under the same parent, not companies held by CFCAL-Banque. The tree’s Belgian node “Credit Mutuel Arkea” (0737.359.851) is Crédit Mutuel Arkéa’s own registration as a foreign entity in Belgium’s Crossroads Bank for Enterprises (KBO/BCE). It is not a separate subsidiary.
Verified corporate relationships
| Entity | Country | Registration number | Relationship | Ownership | Status | Information date |
|---|---|---|---|---|---|---|
| Crédit Mutuel Arkéa | France | RCS Brest 775 577 018 | Immediate parent | 97.77% at 9 Jul 2012 before squeeze-out of the remainder; 100.0% interest (group consolidation) | Current | 31 Dec 2025 |
| Confédération Nationale du Crédit Mutuel | France | LEI 9695000CG7B84NLR5984 | Ultimate parent per GLEIF (accounting consolidation) | Not disclosed | Current | 17 Apr 2026 |
| CFCAL-Bank (Belgian branch) | Belgium | BCE 0685.497.713 | Branch of the same legal entity | Not applicable | Active (REGAFI passport from 14 May 2018) | 2026-10-15 |
| Crédit Foncier et Communal d’Alsace et de Lorraine – SCF | France | RCS Strasbourg 424 184 737 | Former subsidiary, merged into CFCAL-Banque | Wholly owned at merger | Removed from register (BODACC 6 Mar 2018) | 2018 |
| Crédit Foncier de France | France | Not stated in source | Former majority shareholder | 65.80% after 2004 offer | Ended 17 Dec 2010 | 2011 |
Recent structural changes
- 9 July 2012: Crédit Mutuel Arkéa completed a buy-out offer and squeeze-out, and CFCAL-Banque’s shares were delisted from Euronext Paris (AMF 212C0895).
- 2017–2018: CFCAL-SCF was merged into CFCAL-Banque under a simplified merger plan dated 30 June 2017 (BODACC A20170163337, 27 Aug 2017). CFCAL-SCF’s Sirene record shows closure on 28 December 2017, and its removal from the register was published on 6 March 2018. The activity description in the RCS still refers to “sa filiale CFCAL-SCF”.
- 14 May 2018: a branch was established in Belgium under the EU freedom of establishment (REGAFI outgoing passport).
Data availability
Availability: Parent only. The parent chain is documented by AMF notices, the parent’s Universal Registration Document and GLEIF. No current subsidiary of CFCAL-Banque was found in any filing reviewed. The ownership percentages from the parent’s report are group consolidation figures.
Sources
- Crédit Mutuel Arkéa, Universal Registration Document 2025, Note 46 (printed p.433) — https://www.cm-arkea.com/arkea/banque/upload/docs/application/pdf/2026-04/cma_urd_2025_assemblage_en_opti.pdf — April 2026; retrieved 2026-10-15
- AMF notice 212C0895, 9 Jul 2012 — https://bdif.amf-france.org/back/api/v1/documents/2012/212C0895/07CC1183A3748D67D4B2557ECD16A477CE0DEDA7640BE60CD19FE843B6BBF471.pdf — retrieved 2026-10-15
- BODACC A20170163337 (merger plan), 27 Aug 2017 — https://www.bodacc.fr/pages/annonces-commerciales-detail/?q.id=id:A20170163337 — retrieved 2026-10-15
- BODACC B201800451386 (CFCAL-SCF removed from register), 6 Mar 2018 — https://www.bodacc.fr/pages/annonces-commerciales-detail/?q.id=id:B201800451386 — retrieved 2026-10-15
- ACPR REGAFI outgoing passports (id 11268) — https://www.regafi.fr/api/explore/v2.1/catalog/datasets/prd-banque-passeports-sortants/records?where=id_referentiel%3D%2211268%22 — retrieved 2026-10-15
- KBO/BCE public search, 0737.359.851 — https://kbopub.economie.fgov.be/kbopub/zoeknummerform.html?nummer=0737359851&actionLu=Zoek — retrieved 2026-10-15
- CFCAL-Banque legal notice (Belgian branch number) — https://public.cfcal-banque.fr/mentions-legales — retrieved 2026-10-15
- GLEIF LEI 969500YEPXWE78XJIB31 — https://api.gleif.org/api/v1/lei-records/969500YEPXWE78XJIB31 — retrieved 2026-10-15
Data-provider feed — rows as supplied to Zavia for INPI (Institut National de la Propriété Industrielle), including entries the profile above does not cover. These rows are not a verbatim copy of the register: they have been found to duplicate the same person under different spellings and to keep a status of Active after an appointment ended. Where they disagree with the profile above, the profile is the checked version.
CREDIT MUTUEL ARKEA
France
Get complete shareholder and officer records, ultimate beneficial owner resolution, and ongoing ownership monitoring.
Frequently Asked Questions
What does CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE do?
CFCAL-Banque is a Strasbourg-based French bank licensed by the ACPR (REGAFI CIB code 15149, licensed since 17 November 1984). It specialises in debt consolidation, home and property-investor loans, and savings accounts, and it sells its loans through independent brokers.
Who owns CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE?
CFCAL-Banque is owned by Crédit Mutuel Arkéa. Arkéa held 97.77% when its 2012 buy-out offer closed, and the remaining shares were then transferred to it by squeeze-out. Arkéa's 2025 Universal Registration Document reports 100.0% control and interest. No filing supports the individual shown as a 100% holder in the provider table.
Who is CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's UBO (Ultimate Beneficial Owner)?
No natural person is identified as a beneficial owner. The bank is controlled by Crédit Mutuel Arkéa, a cooperative banking group, and France's beneficial-ownership register is not open to the public.
What is CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's company registration number?
CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's registration number is 56850128200012, filed with INPI (Institut National de la Propriété Industrielle) in France. Its current status on the register is active.
Is CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE still an active company?
CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's status on INPI (Institut National de la Propriété Industrielle) is listed as active.
What is CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's registered address?
The registered address on file for CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE is STRASBOURG, France.
What legal structure is CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE registered as?
CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE is registered as a Public Limited Company in France.
What is CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's revenue?
No company-level revenue or profit figure was found in an openly readable source. Annual accounts are filed with the Strasbourg registry, most recently for 2024 (BODACC, 10 September 2025), and Sirene places the company in the 200–249 employee band for 2024.
Is CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE listed on a stock exchange?
CREDIT FONCIER ET COMMUNAL D'ALSACE ET DE LORRAINE BANQUE is not listed. Its shares (ISIN FR0000064560) were delisted from Euronext Paris on 9 July 2012, after a squeeze-out by Crédit Mutuel Arkéa.
Who are the officers/directors of CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE?
CFCAL-Banque has a management board chaired by Jean-Marie Alfonsi, with Maria Madalena Magalhães and Julien Bonnin as members, and a nine-member supervisory board (RNE, September 2026). Crédit Mutuel Arkéa states that Erwan Meudec has chaired the supervisory board since 12 May 2025.
Does CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE have a parent company or subsidiaries?
CFCAL-Banque's immediate parent is Crédit Mutuel Arkéa, and GLEIF lists the Confédération Nationale du Crédit Mutuel as ultimate parent for consolidation purposes. The bank has a Belgian branch (BCE 0685.497.713) and no verified subsidiary; its former subsidiary CFCAL-SCF was merged into it in 2017–2018.
Can Zavia monitor changes to CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's ownership over time?
This profile reflects a point-in-time snapshot from INPI (Institut National de la Propriété Industrielle). Zavia's monitoring API can track changes to CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's registered shareholders, officers, and group structure going forward, flagging updates as they're filed rather than requiring a manual recheck.
Can I access CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's data through an API?
Yes. Zavia's API connects directly to official government ownership registries across 195 countries and territories, including France, so records like CREDIT FONCIER ET COMMUNAL D’ALSACE ET DE LORRAINE BANQUE's registration, shareholder, UBO, and group-structure data can be queried programmatically instead of viewed one page at a time.
Where does this company information come from, and how current is it?
This record is sourced directly from INPI (Institut National de la Propriété Industrielle) and was last synced on 8 October 2026.