What does FINOST - FINEST do?

FINOST - FINEST is filed with the CBE under the catch-all “Overige financiële dienstverlening”, a code that says little about what the company actually does. Cooperative, started on 26 April 1996.

What is the address of FINOST - FINEST?

The registered office of FINOST - FINEST is located at Place de l'Hôtel de Ville 14, 4700 Eupen.

Is FINOST - FINEST still active?

Yes. According to the CBE (29 October 2026) FINOST - FINEST is active, legal situation “Normale toestand”, started on 26 April 1996.

Is FINOST - FINEST registered on Peppol?

No, FINOST - FINEST is currently not registered on the Peppol network.

What is the enterprise number of FINOST - FINEST?

The enterprise number of FINOST - FINEST is BE0257864701.

When was FINOST - FINEST founded?

FINOST - FINEST was founded on 26 April 1996.

Who are the directors of FINOST - FINEST?

According to the 2025 annual accounts, the directors of FINOST - FINEST are: Michelle HABETS, Laurent CRASSON, Fabrice PAULUS, Freddy RENIER, Gerd MALMENDIER, Patrick HEYEN, Wertz Frederik, Frederik WERTZ.

Is FINOST - FINEST a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 26 April 1996; 5 annual accounts filed, latest fiscal year 2025; 13 directors known from the annual account.

How much profit did FINOST - FINEST make in 2025?

FINOST - FINEST posted a profit after taxes of € 2,654,603 in financial year 2025.

How many employees does FINOST - FINEST have?

According to the 2025 annual accounts, FINOST - FINEST has 0.6 full-time equivalents (FTE).

Does FINOST - FINEST have a website?

Yes, FINOST - FINEST has a website at finost.be.

FINOST - FINEST (Cooperative) - Eupen - BE0257864701

Dossier FINOST - FINEST, printed on 29 October 2026 from databakkes.be/en/0257864701/finost-finest. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

FINOST - FINEST from Eupen, company number BE0257864701, closed financial year 2025 with a result of € 2.7 million after tax. Compared with financial year 2024, the result moved from € 2.8 million to € 2.7 million. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 1, 2026.

What it is worth Growing

€ 64.6 million

▲ 3% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 2.7 million

▼ 5% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 60,135

▼ 95% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 941,847 paid out

35 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

0.6

▼ 0.1 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost Staff costs are payroll only. Director pay sits with services and miscellaneous goods: € 112,948 in 2025, together with rent, insurance, accountants and other services. The accounts do not split that further.

€ 26,718

▲ 2% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 1,012

▼ 34% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 6 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 4.4 million

▼ 14% vs 2024

€ 716,189 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Owed to suppliers

€ 5,901

▲ € 4,812 vs 2024

Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 19 days on average.

Taxes and wages

€ 18,186

▲ 21% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Profit after taxes	€ 2,554,965 Profit after taxes 2022: € 2,554,965 First fiscal year in the series	€ 2,623,631 Profit after taxes 2023: € 2,623,631 ▲ 3% vs 2022 (€ 2,554,965) Favourable step	€ 2,783,216 Profit after taxes 2024: € 2,783,216 ▲ 6% vs 2023 (€ 2,623,631) Favourable step	€ 2,654,603 Profit after taxes 2025: € 2,654,603 ▼ 5% vs 2024 (€ 2,783,216) Unfavourable step	▼ 5%
Equity	€ 59,474,678 Equity 2022: € 59,474,678 First fiscal year in the series	€ 61,145,564 Equity 2023: € 61,145,564 ▲ 3% vs 2022 (€ 59,474,678) Favourable step	€ 62,927,161 Equity 2024: € 62,927,161 ▲ 3% vs 2023 (€ 61,145,564) Favourable step	€ 64,639,917 Equity 2025: € 64,639,917 ▲ 3% vs 2024 (€ 62,927,161) Favourable step	▲ 3%
Total debts	€ 7,154,637 Total debts 2022: € 7,154,637 First fiscal year in the series	€ 6,783,290 Total debts 2023: € 6,783,290 ▼ 5% vs 2022 (€ 7,154,637) Favourable step	€ 6,127,372 Total debts 2024: € 6,127,372 ▼ 10% vs 2023 (€ 6,783,290) Favourable step	€ 5,365,193 Total debts 2025: € 5,365,193 ▼ 12% vs 2024 (€ 6,127,372) Favourable step	▼ 12%
Cash	€ 2,369,796 Cash 2022: € 2,369,796 First fiscal year in the series	€ 1,095,144 Cash 2023: € 1,095,144 ▼ 54% vs 2022 (€ 2,369,796) Unfavourable step	€ 1,144,366 Cash 2024: € 1,144,366 ▲ 4% vs 2023 (€ 1,095,144) Favourable step	€ 60,135 Cash 2025: € 60,135 ▼ 95% vs 2024 (€ 1,144,366) Unfavourable step	▼ 95%
Retained profit	€ 18,458,018 Retained profit 2022: € 18,458,018 First fiscal year in the series	€ 20,128,904 Retained profit 2023: € 20,128,904 ▲ 9% vs 2022 (€ 18,458,018) Favourable step	€ 21,910,501 Retained profit 2024: € 21,910,501 ▲ 9% vs 2023 (€ 20,128,904) Favourable step	€ 23,623,257 Retained profit 2025: € 23,623,257 ▲ 8% vs 2024 (€ 21,910,501) Favourable step	▲ 8%
Dividend	€ 623,426 Dividend 2022: € 623,426 First fiscal year in the series	€ 952,744 Dividend 2023: € 952,744 ▲ 53% vs 2022 (€ 623,426) Unchanged	€ 1,001,619 Dividend 2024: € 1,001,619 ▲ 5% vs 2023 (€ 952,744) Unchanged	€ 941,847 Dividend 2025: € 941,847 ▼ 6% vs 2024 (€ 1,001,619) Unchanged	▼ 6%
Bank debt	€ 6,501,540 Bank debt 2022: € 6,501,540 First fiscal year in the series	€ 5,803,030 Bank debt 2023: € 5,803,030 ▼ 11% vs 2022 (€ 6,501,540) Favourable step	€ 5,098,684 Bank debt 2024: € 5,098,684 ▼ 12% vs 2023 (€ 5,803,030) Favourable step	€ 4,388,445 Bank debt 2025: € 4,388,445 ▼ 14% vs 2024 (€ 5,098,684) Favourable step	▼ 14%
Balance sheet total	€ 66,629,315 Balance sheet total 2022: € 66,629,315 First fiscal year in the series	€ 67,928,855 Balance sheet total 2023: € 67,928,855 ▲ 2% vs 2022 (€ 66,629,315) Unchanged	€ 69,054,533 Balance sheet total 2024: € 69,054,533 ▲ 2% vs 2023 (€ 67,928,855) Unchanged	€ 70,005,110 Balance sheet total 2025: € 70,005,110 ▲ 1% vs 2024 (€ 69,054,533) Unchanged	▲ 1%
Employees (FTE)	0.6 Employees (FTE) 2022: 0.6 First fiscal year in the series	0.6 Employees (FTE) 2023: 0.6 Unchanged (0.6) Unchanged	0.7 Employees (FTE) 2024: 0.7 ▲ 0.1 vs 2023 (0.6) Unchanged	0.6 Employees (FTE) 2025: 0.6 ▼ 0.1 vs 2024 (0.7) Unchanged	▼ 0.1

Key figures of FINOST - FINEST, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to FINOST - FINEST?

What happened at FINOST - FINEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2031 Michelle HABETS stepped down as director. NBB
2031 Laurent CRASSON stepped down as director. NBB
2031 Fabrice PAULUS stepped down as director. NBB
2031 Freddy RENIER stepped down as director. NBB
2031 Gerd MALMENDIER stepped down as director. NBB
2031 Patrick HEYEN stepped down as director. NBB
2031 Gabrielle SCHRÖDER stepped down as director. NBB
2031 Mathieu BRONLET stepped down as director. NBB

In short

From € 2.6 million profit in 2022 to € 2.7 million profit in 2025.

Best year ever: 2024, with € 2.8 million profit.

Paid out € 3.5 million in dividends to the owners in total.

Pays suppliers within 19 days on average.

Original PDFs at the National Bank ↗

Management

FINOST - FINEST

NEOWAL 4%

ORES ASSETS 3.8%

COMNEXIO 1%

ORES 0%

It owns 4% of NEOWAL, 3.8% of ORES ASSETS, 1% of COMNEXIO and 0% of ORES itself.

Directors

According to the 2025 annual accounts

Michelle HABETS

Director

Also active at: Union des Villes et Communes de Wallonie, HBTS Law

since 2025 · until 2031

Laurent CRASSON

Director

Also active at: VEDIA

since 2025 · until 2031

Fabrice PAULUS

Chairman of the board

Also active at: Union des Villes et Communes de Wallonie, PAULUS & Partners, NEOWAL

since 2025 · until 2031

Freddy RENIER

Director

Also active at: INAGO, Autonome Gemeinderegie Galmei, KATHLEOS VoG

since 2025 · until 2031

Gerd MALMENDIER

Director

Also active at: ÖFFENTLICHER WOHNUNGSBAU OSTBELGIEN

since 2025 · until 2031

Patrick HEYEN

Director

since 2025 · until 2031

Wertz Frederik

Director

since 2025 · until 2026

Frederik WERTZ

Vice-chairman of the board

since 2025 · until 2025

Gabrielle SCHRÖDER

Director

since 2025 · until 2031

Mathieu BRONLET

Director

since 2025 · until 2031

José HECK

Director

since 2025 · until 2031

Serge DOLLENDORF

Director

since 2025 · until 2031

Reinhold ADAMS

Director

since 2025 · until 2031

Establishments

Establishment units

Physical locations of this company

Registered office

Place de l'Hôtel de Ville 14

4700 Eupen

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

Verkehrsverein Eupen

Rat für Stadtmarketing Eupen V.o.G.

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Website

HTTPS finost.be

Technologies

ASP.NETKenticojQuery

Hosting & Email

Email provider

Microsoft 365

Hosting

HETZNER-AS, DE

Domain

finost.be

Registered

2007-10-19

Website info

HTTPS Ja

Features

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Security

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✓ SPF

✗ DMARC

Details

Company number: 0257.864.701
VAT number: BE 0257.864.701
Registered office: Place de l'Hôtel de Ville 14, 4700 Eupen
Names & denominations: FINOST - FINEST
Enterprise type: Rechtspersoon
Legal form: Cooperative company
Legal situation: Normale toestand
Start date: 26 April 1996
Peppol: Not registered
Contact: finost.be [email protected]
Activities · NACE: Overige financiële dienstverlening, neg

View on CBE Public ↗ Annual accounts (NBB) ↗

FINOST - FINEST

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Financials

What happened to FINOST - FINEST?

Management

Directors

Establishments

Establishment units

Who else lives here?

Website

Technologies

Hosting & Email

Domain

Website info

Features

Security

Details

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