Financials
Financial year 2025
Buy Way Personal Finance from Brussel, company number BE0400282277, closed financial year 2025 with a result of € -7.6 million after tax. For that financial year Buy Way Personal Finance recorded revenue of € 11.7 million and equity of € 12 million. Compared with financial year 2024, the result moved from € 13.6 million to € -7.6 million. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 10, 2026.
€ 12 million
▼ 39% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7.6 million
▼ still € 13.6 million profit in 2024
Profit after tax over the fiscal year.
€ 7.2 million
▼ 73% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -1.3 million.
People and assets in 2025
144.7
▲ 3.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 11.9 million
▲ 5% vs 2024
€ 82,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 17.6 million
▼ 4% vs 2024
Loans from banks and other lenders, long and short.
€ 2 million
▼ 26% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 51 days on average.
€ 3.8 million
▲ 20% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 8,824,641 | € 10,052,414 | € 10,835,040 | € 11,686,626 | ▲ 8% |
| Profit after taxes | € -24,756,952 | € -3,742,889 | € 13,591,714 | € -7,581,957 | ▼ € 21.2 million |
| Equity | € 18,083,263 | € 14,340,374 | € 19,532,088 | € 11,950,131 | ▼ 39% |
| Total debts | € 84,924,701 | € 82,978,924 | € 63,684,044 | € 62,597,596 | ▼ 2% |
| Cash | € 30,011,612 | € 29,936,272 | € 27,008,396 | € 7,223,028 | ▼ 73% |
| Retained profit | € -2,838,006 | € -6,580,895 | € 6,247,183 | € -1,334,774 | ▼ € 7.6 million |
| Bank debt | € 25,832,221 | € 26,790,942 | € 18,353,434 | € 17,598,419 | ▼ 4% |
| Balance sheet total | € 103,007,964 | € 97,319,298 | € 83,216,132 | € 74,547,727 | ▼ 10% |
| Employees (FTE) | 159.7 | 145.9 | 141 | 144.7 | ▲ 3.7 |
Key figures of Buy Way Personal Finance, 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 Buy Way Personal Finance?
What happened at Buy Way Personal Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 7.6 million (▼ € 21.2 million vs 2024). Source: NBB ↗
- Christiane VANDYCK stepped down as director. NBB
- Sophie LE SAOUT stepped down as director. NBB
- Ugo SETTI stepped down as director. NBB
- Jean-Philippe VERBEKEN stepped down as director. NBB
- Guillaume LOBJOIE stepped down as director. NBB
- Christiane VANDYCK became a director. NBB
- Sophie LE SAOUT became a director. NBB
In short
From € 24.8 million loss in 2022 to € 7.6 million loss in 2025.
Paid € 2 million in corporate taxes since 2022.
Best year ever: 2024, with € 13.6 million profit.
Pays suppliers within 51 days on average.
A new publication or filing at Buy Way Personal Finance? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The shares are held by BUY WAY CONSUMER FINANCE (100%).
Directors
According to the 2025 annual accounts
Christiane VANDYCK
Director
since 2025 · until 2026
Sophie LE SAOUT
Director
since 2025 · until 2026
Ugo SETTI
Director
since 2023 · until 2026
Jean-Philippe VERBEKEN
Director
since 2025 · until 2026
Guillaume LOBJOIE
Chairman of the board
Also active at: BUY WAY SERVICES, BUY WAY CONSUMER FINANCE, AVALONIA
since 2023 · until 2026
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Boudewijnlaan 29 box 2
1000 Brussel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →FIMASER
BUY WAY SERVICES same network
Ticketmaster Belgium
€ 295.5 million revenue · 2025
BUY WAY CONSUMER FINANCE same network
€ 633,124 revenue · 2025
BUY WAY VAT GROUP
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0400.282.277
- VAT number
- BE 0400.282.277
- Registered office
- Boudewijnlaan 29 bus 2, 1000 Brussel
- Names & denominations
- Buy Way Personal Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 19 November 1960
- Peppol
- Active · Active since 13 Oct 2025
- Activities · NACE
Verbruikskrediet
Verstrekken van verbruikskrediet
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen
Niet-gespecialiseerde detailhandel in algemene voedingsmiddelen (verkoopsoppervlakte minder dan 100 m2)
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)