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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 17 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
21 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
Finance et Entreprises from Charleroi, company number BE0403353912, closed financial year 2025 with a result of € -522 after tax. For that financial year Finance et Entreprises recorded revenue of € 36,000 and equity of € -1.3 million. Compared with financial year 2024, the result moved from € 28,147 to € -522. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 25, 2026.
€ -1.3 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -522
▼ still € 28,147 profit in 2024
Profit after tax over the fiscal year.
€ 105,907
▲ € 105,718 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -4.3 million.
People and assets in 2025
€ 6,413
▼ 2% vs 2024
Of which on lease € 6,413.
Debts at end 2025
€ 111,861
€ 16,370 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 48,000 | € 48,000 | € 48,000 | € 36,000 | ▼ 25% |
| Profit after taxes | € 28,457 | € 27,022 | € 28,147 | € -522 | ▼ € 28,669 |
| Equity | € -1,403,006 | € -1,375,984 | € -1,347,837 | € -1,348,359 | |
| Total debts | € 7,029,061 | € 7,018,322 | € 6,961,596 | € 9,058,596 | ▲ 30% |
| Cash | € 121 | € 4,908 | € 189 | € 105,907 | ▲ € 105,718 |
| Retained profit | € -4,403,006 | € -4,375,984 | € -4,347,837 | € -4,348,359 | |
| Bank debt | € 0 | € 0 | € 0 | € 111,861 | |
| Balance sheet total | € 5,626,056 | € 5,642,338 | € 5,613,759 | € 7,710,237 | ▲ 37% |
Key figures of Finance et Entreprises, 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 Finance et Entreprises?
What happened at Finance et Entreprises in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Henri DE COCK stepped down as director. NBB
- S.A. ARBIOS stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 522 (▼ € 28,669 vs 2024). filed late Source: NBB ↗
- Henri DE COCK became a director. NBB
- S.A. ARBIOS became a director. NBB
- New establishment in Charleroi. KBO
- Start of the company according to the CBE. KBO
In short
From € 28,457 profit in 2022 to € 522 loss in 2025.
Best year ever: 2022, with € 28,457 profit.
Management
The stake of ENTREPRISES REUNIES R. DE COCK, ARBIOS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Finance et EntreprisesThe shares are held by ENTREPRISES REUNIES R. DE COCK (88.4%) and ARBIOS (11.6%). It owns 100% of VAARTS, 99.3% of GENIE CIVIL ET INDUSTRIEL, 94.3% of TRAVHYDRO LUXEMBOURG, 75.9% of SOCMIN, 75% of FAEM and 24% of M.P.I. itself.
Directors
According to the 2025 annual accounts
Henri DE COCK
Managing director
Also active at: Usines Dupuis, ENTREPRISES REUNIES R. DE COCK, CAROLO-BETON, NEGOCE DES ACIERS DE CHARLEROI, COMPAGNIE WALLONNE DE CONSTRUCTION, Carolo - Transports, Génie Civil et industriel, Société minière de Gosselies et Thiméon +12 more
since 2023 · until 2029
Director · represented by Eric HESELMANS
since 2023 · until 2029
Shareholders
11.6%
Participations
Establishments
Establishment units
Physical locations of this company
Rue Bernipré 30
6041 Charleroi
Avenue Rousseaux Emile 40
6001 Charleroi
Active since 11 September 1986
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 21 companies are registered at this address.
All companies at this address →Usines Dupuis same network
€ 30,000 revenue · 2025
ENTREPRISES REUNIES R. DE COCK same network
€ 25.2 million revenue · 2025
CAROLO-BETON same network
€ 925,478 revenue · 2025
NEGOCE DES ACIERS DE CHARLEROI same network
€ 446,317 revenue · 2025
COMPAGNIE WALLONNE DE CONSTRUCTION same network
€ 172,873 revenue · 2025
+16 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
- 0403.353.912
- VAT number
- BE 0403.353.912
- Registered office
- Rue Bernipré 30, 6041 Charleroi
- Names & denominations
- Finance et Entreprises · Finanter
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 19 August 1960
- Peppol
- Active · Active since 11 Dec 2025
- Activities · NACE
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