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L'Observatoire du Crédit et de l'Endettement a été créé en mars 1994. 


L’Observatoire est chargé de l’étude des services financiers offerts aux personnes physiques, et notamment du crédit, ainsi que de l’étude et de la prévention du surendettement. A cet effet, il :

  • centralise les données économiques, sociales et juridiques se rapportant directement ou indirectement aux services financiers aux personnes physiques, en particulier le crédit, ainsi qu’au surendettement ;
  • analyse ces données, en vue d’en dégager les caractéristiques et de permettre notamment la compréhension des situations de surendettement ;
  • étudie le phénomène du surendettement et son évolution, dans une optique socio-économique et juridique ;
  • diffuse des études dans les domaines des services financiers aux personnes physiques, et notamment du crédit, ainsi que du surendettement ;
  • organise des campagnes d’information et de prévention et dispense des formations dans les domaines de la gestion du budget des ménages, du crédit et de l’endettement.


L'Observatoire vous présente son programme de formations pour l'année 2016.

Ce programme vous propose (cliquez sur les liens pour découvrir les contenus des formations):


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Cet ouvrage publié annuellement constitue un recueil de jurisprudence relatif au règlement collectif de dettes (les conditions d’admissibilité, les actes sortant de la gestion normale du patrimoine du requérant, la vente des biens immeubles du requérant, les contredits abusifs et non fondés des créanciers, les différents types de plans de règlement, le sort réservé aux privilèges, les dettes ne pouvant faire l’objet d’une remise, les incidents émaillant l’exécution des plans de règlement, les hypothèses de révocation, les obligations et la rémunération du médiateur, ...), au crédit et, le cas échéant, aux matières qui y sont connexes (cession de rémunération, sûretés, saisies).

Cette jurisprudence se veut quasi totalement inédite et présente un intérêt particulier à la lumière de sa motivation ou de l’enseignement pratique qu’elle apporte.

Les décisions publiées proviennent de l’ensemble des arrondissements judiciaires du pays et sont sélectionnées par un comité scientifique composé de membres du corps académique, de membres des barreaux francophones et néerlandophones, de fonctionnaires du Service Public Fédéral Economie, de représentants d’organisations professionnelles, de services ou de centres de référence pratiquant la médiation de dettes et d’associations de consommateurs.

Les décisions sont publiées dans leur langue d’origine et accompagnées d’un classement par mots-clés bilingues, d’un sommaire également bilingue ainsi que d’une note et d’un commentaire pour les plus importantes.

L’Annuaire contient également diverses informations relatives aux matières traitées.

Informations pratiques

L’Annuaire juridique du crédit et du règlement collectif de dettes comprenant la jurisprudence de l’année 2014 (édition 2015) est actuellement en vente au prix de 50€.

Offre spéciale

Nous vous proposons l’achat des Annuaires 2013 et 2014 pour la somme de 70€.

Comment commander votre annuaire?

Via ce lien ou en consultant la rubrique «Publications»