Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Busy address KBO
70 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
KBC Commercial Finance from Sint-Jans-Molenbeek, company number BE0403278488, closed financial year 2025 with a result of € 6.4 million after tax. For that financial year KBC Commercial Finance recorded revenue of € 37.9 million and equity of € 9.5 million. Compared with financial year 2024, the result moved from € -5.3 million to € 6.4 million. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 23, 2026.
€ 9.5 million
▲ 130% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 6.4 million
▲ still € 5.3 million loss in 2024
Profit after tax over the fiscal year.
€ 185 million
▲ € 151.7 million vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 1.1 million paid out
17 % of the profit went to the shareholders, mostly to KBC BANK NV (100 % of the shares). That is where the money ends up.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
€ 82,343
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3.2 billion
▲ 5% vs 2024
Loans from banks and other lenders, long and short.
€ 1.9 billion
▲ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 12608 days on average.
€ 234,195
▲ 82% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 71,733,528 | € 153,277,154 | € 166,342,068 | € 37,915,018 | ▼ 77% |
| Profit after taxes | € 7,875,881 | € 6,173,495 | € -5,343,066 | € 6,419,921 | ▲ € 11.8 million |
| Equity | € 9,459,422 | € 9,459,422 | € 4,116,356 | € 9,459,422 | ▲ 130% |
| Total debts | € 4,412,413,069 | € 4,494,145,995 | € 4,923,038,848 | € 5,138,845,843 | ▲ 4% |
| Cash | € 41,671,911 | € 61,687,241 | € 33,354,068 | € 185,046,914 | ▲ € 151.7 million |
| Retained profit | € 4,659,422 | € 4,659,422 | € -683,644 | € 4,659,422 | ▲ € 5.3 million |
| Dividend | € 7,632,514 | € 5,968,901 | € 0 | € 1,076,855 | |
| Bank debt | € 2,761,777,733 | € 2,755,630,670 | € 3,022,704,252 | € 3,180,972,504 | ▲ 5% |
| Balance sheet total | € 4,421,872,491 | € 4,503,605,417 | € 4,927,155,204 | € 5,148,305,264 | ▲ 4% |
| Employees (FTE) | 57.9 | 49.3 | 0 | 0 |
Key figures of KBC Commercial 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 KBC Commercial Finance?
What happened at KBC Commercial Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- BERNARD VAN HEES stepped down as director. NBB
- DIRK MAMPAEY stepped down as director. NBB
- PETER VANHUYSSE stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 6.4 million. Source: NBB ↗
- BERNARD VAN HEES became a director. NBB
- DIRK MAMPAEY became a director. NBB
- PETER VANHUYSSE became a director. NBB
- New establishment in Sint-Jans-Molenbeek. KBO
In short
From € 7.9 million profit in 2022 to € 6.4 million profit in 2025.
Paid € 6.9 million in corporate taxes since 2022.
Best year ever: 2022, with € 7.9 million profit.
Paid out € 14.7 million in dividends to the owners in total.
A new publication or filing at KBC Commercial 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 KBC BANK NV (100%).
Directors
According to the 2025 annual accounts
since 2024 · until 2029
PETER VANHUYSSE
Director
since 2019 · until 2029
BERNARD VAN HEES
Managing director
since 2026 · until 2031
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Havenlaan 2
1080 Sint-Jans-Molenbeek
Havenlaan 6
1080 Sint-Jans-Molenbeek
Active since 17 September 1963
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 70 companies are registered at this address.
All companies at this address →KBC Groep
€ 107.5 million revenue · 2025
Immobilière Sinte-Goedele
ALMAFIN REAL ESTATE
€ 1.8 million revenue · 2025
Immolease-Trust
€ 1.1 million revenue · 2025
Pensioenfonds KBC
+65 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
PROXIMUS-ISP-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0403.278.488
- VAT number
- BE 0403.278.488
- Registered office
- Havenlaan 2, 1080 Sint-Jans-Molenbeek
- Names & denominations
- KBC Commercial Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 17 September 1963
- Peppol
- Active · Active since 27 Jan 2025
- Activities · NACE
Factoring