Centre d'Appui aux services de médiation de dettes de la Région de Bruxelles-Capitale

What Centre d'Appui aux services de médiation de dettes de la Région de Bruxelles-Capitale does

The Centre d'Appui aux services de médiation de dettes de la Région de Bruxelles-Capitale (CAMD) is a Belgian non-profit association (ASBL) operating as the designated support center for debt mediation services across the Brussels-Capital Region. Originally founded in December 1999 as ASBL GREPA by lawyers, jurists, and social workers including ATD Quart Monde, the organization established its Support Centre function in 2004 using public funding from COCOM and COCOF, and was restructured and rebranded under its current name in 2008. CAMD serves three principal constituencies: (i) the network of over 200 debt mediators operating across Brussels' 19 municipalities in both the public CPAS sector and the associative ASBL sector, (ii) social workers and first-line professionals encountering debt issues in their practice, and (iii) individuals facing over-indebtedness, who are referred through the website's interactive service locator map.

The organization delivers its mandate through training programs (basic formation, continuing education, awareness training totaling ~35 training days and ~240 participants per year), legal hotlines and supervision services for professionals, a documentation and practical toolkit library (Boîte à outils) used daily by debt mediators, prevention workshops (150 animations reaching ~1,800 participants in 2023), public awareness campaigns including theater-action performances, and policy advocacy including press releases, cartes blanches, and memoranda. The technology layer is a WordPress-based bilingual website (French/Dutch) at mediationdedettes.be with an interactive map for service location, YouTube content embeds, and standard analytics tooling. Headcount is 7 staff led by Director Anne Defossez (jurist and political advocacy lead) and Deputy Director Claire de Schaetzen (economist), with the operating base at Boulevard du Jubilé 153-155, 1080 Brussels (Molenbeek-Saint-Jean).

CAMD's business model is overwhelmingly grant-funded: core operations depend on recurring public subsidies from the Commission Communautaire Commune (COCOM), the Commission Communautaire Française (COCOF), and the European Social Fund (FSE), supplemented by minor earned income from training fees (€80-150 per course by participant category) and colloquium fees (€25 for non-profits/students/job-seekers, €50 otherwise). Services to individuals facing over-indebtedness are provided free of charge. Distribution is achieved through direct professional support to the mediator network, monthly Groupe Porteur coordination meetings, regional training events, and advocacy coalitions with AB-REOC, OCE, BAPN, and SAM at federal level.

Name

Centre d'Appui aux services de médiation de dettes de la Région de Bruxelles-Capitale

Legal name

Centre d'Appui aux Services de Médiation de Dettes de la Région de Bruxelles-Capitale ASBL

Website

https://mediationdedettes.be

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

CAMD is a Brussels-based non-profit support center that provides training, legal supervision, documentation, and prevention services to over 200 debt mediators across the 19 municipalities of the Brussels-Capital Region, funded primarily by COCOM, COCOF, and the European Social Fund.

Ownership category

akta.pro rank

Product category

Social Services

NAICS

Professional Organizations (81392)

SIC

Services-Membership Organizations (8600)

akta.pro primary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

akta.pro secondary industry

Debt Management Plans (DMP) Administration (FSAEAFAB)

Keywords

• Debt mediation services
• Financial counseling
• Professional training
• Over-indebtedness prevention
• Social welfare support

Headquarters

HQ city

Brussels

HQ country

Belgium

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Public funding and grants: Primary funding from public institutions including Commission Communautaire Commune (COCOM), Commission Communautaire Française (COCOF), and the European Union (European Social Fund). The organization receives ongoing financial support to operate as a support center for debt mediation services in Brussels.
2. Training fees: Revenue from training programs and events for professionals. Prices range from €80-150 for professional training courses and €25-50 for colloquia (reduced rate for non-profit sector).

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

The Centre d'Appui (CAMD) operates as a designated non-profit support center for debt mediation services in the Brussels-Capital Region. It provides training programs, legal supervision, practical documentation tools, and prevention workshops to over 200 debt mediators across 19 Brussels municipalities. The organization also runs awareness campaigns, publishes advocacy materials, and coordinates monthly knowledge-sharing sessions for the debt mediation network.

Product overview

The Centre d'Appui aux Services de Médiation de Dettes de la Région de Bruxelles-Capitale (CAMD) operates as a support organization for debt mediation services in Brussels, offering a comprehensive portfolio of training programs (basic formation, continuing education, and awareness training), practical documentation and tools for debt mediators, prevention workshops and educational materials for the general public, professional support services, and legal advisory services. The organization functions as a coordination hub connecting over 200 debt mediators across Brussels municipalities. Key offerings include the Formation de base training program, Formations continues for professional development, the Documentation utile knowledge base, the Boîte à outils practical toolkit, and various prevention services including workshops, tools, and public campaigns.

Differentiator

Problem solved

Functional benefit

Products and services

• Formation de base à la médiation de dettes
• Formations continues
• Sensibilisation au Traitement du Surendettement
• Séances d'information sur le Règlement Collectif de Dettes
• Documentation utile au médiateur de dettes
• Boîte à outils pratique du médiateur de dettes
• Ateliers de prévention du surendettement
• Outils de prévention
• Campagnes de prévention
• Permanences juridiques
• Appui aux professionnels

Quantifiable outcome

• Trains 240 professionals annually across 35 training days
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered flagship, core, major, minor and historical.

• Observatoire du Crédit et de l'Endettement (OCE)flagshipStrategic or Co-development PartnerCo-organizer of the colloquium 'Prévenir et lutter ensemble contre le surendettement' along with BAPN and SAM, joint research and advocacy on debt issues
• Réseau belge de lutte contre la pauvreté (BAPN)flagshipStrategic or Co-development PartnerCo-organizer of federal debt awareness campaign and colloquium on over-indebtedness
• Steunpunt Mens en Samenleving (SAM)flagshipStrategic or Co-development PartnerFlemish partner in joint colloquium organization and consumer associations position paper AB-REOC
• AB-REOC (Association Belge de Recherche et d'Expertise des Organisations de Consommateurs)coreStrategic or Co-development PartnerCAMD is a member of AB-REOC, a coalition of Belgian consumer research and expertise organizations including Testachats, FGTB, Financité, and others for joint consumer advocacy
• FGTBmajorStrategic or Co-development PartnerBelgian trade union federation member of AB-REOC coalition for consumer protection positions
• TestachatsmajorStrategic or Co-development PartnerBelgian consumer organization member of AB-REOC coalition for joint positions on Book XIX consumer protection
• FinancitémajorStrategic or Co-development PartnerBelgian financial education organization member of AB-REOC consumer coalition
• Centre d'Appui SocialEnergie (FdSS)majorStrategic or Co-development PartnerCo-author of carte blanche on water price increases with CAMD, joint advocacy on social energy issues
• VivaquaminorOthersPublic water supplier in Brussels whose collection practices CAMD has criticized, particularly regarding partnership with Modero huissiers
• ATD Quart MondehistoricalStrategic or Co-development PartnerHistorical founding partner from 1999 when association was GREPA, involved in legal access and social advocacy

Scale indicators6 records

Recent moves9 records

Expansion highlights5 records

Regional players

• Fédération des CPAS de l'Union des Villes et Communes de Wallonie: Federation of Walloon public social welfare centers that coordinates CPAS activity, including debt mediation services analogous to those CAMD supports in Brussels. Comparable in coordinating local social welfare delivery at scale.
• Observatoire du Crédit et de l'Endettement (OCE): Walloon counterpart performing similar research, advocacy, and support functions for debt mediation in Wallonia. Co-organizes CAMD's federal over-indebtedness colloquium, making it the most directly comparable peer operating in a different Belgian region.
• Steunpunt Mens en Samenleving (SAM): Flemish support center providing parallel debt mediation support, training, and policy advocacy in Flanders. Co-organizes joint colloquiums with CAMD and is a fellow AB-REOC coalition member.

Direct peers

• Centre d'Appui SocialEnergie (FdSS): Belgian support center focused on social energy issues, which co-authors advocacy pieces (cartes blanches) with CAMD. Operates a structurally similar support-center model in an adjacent social-protection domain.
• Financité: Belgian financial education organization and AB-REOC coalition member. Highly comparable in mission (financial literacy, debt prevention) and shares CAMD's prevention-focused programming and policy advocacy.
• Réseau belge de lutte contre la pauvreté (BAPN): Belgian anti-poverty network that co-organizes the federal debt prevention colloquium with CAMD and shares overlapping advocacy on over-indebtedness, consumer protection, and social rights.

Broad incumbents

• Testachats / Test-Achats: Belgium's largest consumer organization and AB-REOC coalition partner alongside CAMD. Comparable in its consumer-protection advocacy and policy lobbying, though with a much broader mandate and significantly larger scale.

Emerging players

• ATD Quart Monde: International anti-poverty organization that was the historical founding partner of GREPA (CAMD's predecessor) in 1999. Operates an overlapping mission in addressing poverty and financial exclusion in Belgium.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/centre-d'appui-aux-services-de-m%C3%A9diation-de-dettes-de-la-r%C3%A9gion-de-bruxelles-capitale

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Centre d'Appui aux services de médiation de dettes de la Région de Bruxelles-Capitale