Belgium · Payments & e-money
Fimaser
Fimaser SA is a Belgian public limited company in Brussels that trades as Carrefour Finance. The National Bank of Belgium authorises it as a payment institution, and the FSMA registers it as a consumer credit lender and an insurance agent. Its GLEIF record names Carrefour Belgium as its parent. It issues Visa de Carrefour credit cards tied to open-ended credit lines and grants instalment loans to consumers in Belgium, mainly through stands in Carrefour hypermarkets.
Licences and registrations
Held by Fimaser (LEI 549300Y3OAE55RU0KC48). 2 entries on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterNational Bank of BelgiumLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 0434818930 | Belgium | Active | 2025-07-15 | — |
|
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| EBA PSD2 RegisterNational Bank of BelgiumLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution | 0434818930 | Belgium | Withdrawn | 2013-12-17 | Ended 2025-05-14 |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- FMMSBEB1XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of FMMSBEB1 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SDD Core
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2017-10-09
- Last updated
- 2017-10-09
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Carrefour Belgium
Firm type
Lending or buy now, pay later
Trades as Carrefour Finance
- Standing
- The EBA register shows the firm's electronic money institution licence as withdrawn on 14 May 2025. It has been registered as a payment institution since 15 July 2025.
- Ownership
- The firm describes itself as a subsidiary of the Carrefour group, and its GLEIF record names Carrefour Belgium as its direct parent for accounting consolidation.
- Direct parent
- Carrefour Belgium ↗, Belgium
- Head office
- Boulevard Baudouin 29/3B (Quatuor), 1000 Bruxelles, Belgium
- Company register
- KBO/BCE 0434.818.930
- Incorporated
- 1 Jul 1988
Online
- Websites & references
- carrefourfinance.be ↗
homebanking.carrefourfinance.be ↗ customer homebanking portal
carrefourfinance.talentfinder.be ↗ careers site - Official social accounts
- None found
- Apps
- Google Play ↗ · App Store ↗
Sources · 8 pages consulted
- kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0434818930&lang=en
- fsma.be/en/party/fimaser
- carrefourfinance.be/fr
- carrefourfinance.be/fr/a-propos-de-carrefour-finance
- carrefourfinance.be/fr/informations-legales
- carrefourfinance.be/sites/default/files/legal-information/fr/conditions-generales-cartes.pdf
- carrefourfinance.be/fr/app-mobile-carrefour-finance
- carrefourfinance.be/fr/faqs
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The National Bank of Belgium authorises the firm as a payment institution for money remittance, card acquiring and other payment services. The FSMA registers it as a consumer credit lender and as an insurance agent acting for Cardif and CNP entities.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| National Bank of Belgium Belgium | Payment institution | 0434818930 | In its own name | Active | — |
| National Bank of Belgium Belgium | Electronic money institution | 0434818930 | In its own name | Withdrawn or expired | — |
| Financial Services and Markets Authority (FSMA) Belgium | Belgian Consumer Credit Lenders – Lender Consumer Credit | 020137 | In its own name | Active | fsma.be ↗ |
| Financial Services and Markets Authority (FSMA) Belgium | Belgian Insurance Agents – Insurance Agent (non-life and other life products) | 020137 | In its own name | Active | fsma.be ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Not disclosedThe firm does not publish how it safeguards payment service users' funds.
- Payment schemes and card networks
- Visa Access not stated carrefourfinance.be ↗
SEPA Direct Debit Access not stated carrefourfinance.be ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It offers Visa credit cards (Basic, Classic and Gold) linked to open-ended credit lines, with interest-free instalment options in Carrefour stores, as well as fixed-term instalment loans and credit-linked insurance.
It serves consumers in Belgium through stands in Carrefour hypermarkets, its website, its mobile app and a call centre.
- Sells to
- Consumers
- Serves customers in
- Belgium
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Luc Vankeerberghen Managing Director (director since 1 January 2019, managing director since 11 June 2019)
- Executive
- Matthias Locker Director
- Executive
- Christian Cuney Director
- Executive
- Joao dos Santos Leandro Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Matthias Locker joined the board of directors on 10 October 2025, according to the Belgian company register.
kbopub.economie.fgov.be ↗ -
Leadership
Christian Cuney and Joao dos Santos Leandro joined the board of directors on 22 May 2024, according to the Belgian company register.
kbopub.economie.fgov.be ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- FMMSBEB1XXX
- How the BIC breaks down
- FMMSBank
- BECountry · Belgium
- B1Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 549300Y3OAE55RU0KC48
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 0434818930
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entries: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- cc68dc7c9986
- National bank code
- Bank identification code 924
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 2 entries on 1 register
- Activities
- Money remittance
- Payment services
- Card acquiring
- E-money / stored value
- Licensed in
- Belgium
- Country · region
- Belgium · Europe & Central Asia
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- Carrefour Belgium · Belgium967600KIWWITOEWF3B94 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- AVENUE DES OLYMPIADES 20 BRUSSELS 1140 BELGIUM
- Operational address
- AVENUE DES OLYMPIADES 20 BRUSSELS 1140 BRUSSELS BELGIUM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>FMMSBEB1XXX</BICFI>
<LEI>549300Y3OAE55RU0KC48</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>FMMSBEB1XXX</BICFI>
<LEI>549300Y3OAE55RU0KC48</LEI>
<Nm>FIMASER</Nm>
<PstlAdr>
<TwnNm>BRUSSELS</TwnNm>
<Ctry>BE</Ctry>
<AdrLine>AVENUE DES OLYMPIADES 20 BRUSSELS 1140</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2018-03-05 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2018-03-12 | Head office | — |
SEPA dates are when the institution became ready for the scheme.
An institution missing from T2 may still be reachable through an indirect participant.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Bank identification code · Belgium
1 code file of 2026-09-01
| Code | Routes to BIC | Name in the national file |
|---|---|---|
| 924 | FMMSBEB1 | Fimaser |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- National bank codes—Belgium (Source: National Bank of Belgium).
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: carrefourfinance.be (official website) · original.
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