What does FINSPICO do?

FINSPICO is a property company in Antwerpen. Public Limited, started on 30 July 1965, 1 establishment.

What is the address of FINSPICO?

The registered office of FINSPICO is located at Quinten Matsijslei 36, 2018 Antwerpen.

Is FINSPICO still active?

Yes. According to the CBE (29 October 2026) FINSPICO is active, legal situation “Normale toestand”, started on 30 July 1965.

Is FINSPICO registered on Peppol?

Yes, FINSPICO is registered on the Peppol network with ID 0208:0404640250.

What is the enterprise number of FINSPICO?

The enterprise number of FINSPICO is BE0404640250.

When was FINSPICO founded?

FINSPICO was founded on 30 July 1965.

Who are the directors of FINSPICO?

According to the 2025 annual accounts, the directors of FINSPICO are: Marie-Immacolata Filardo, Talia Werner, David Gotlib.

Is FINSPICO a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 30 July 1965; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did FINSPICO make in 2025?

FINSPICO posted a profit after taxes of € 266,194 in financial year 2025.

What is the revenue of FINSPICO?

As a small company, FINSPICO is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 365,815.

How much does an employee at FINSPICO earn?

The average wage cost per full-time employee at FINSPICO was € 56,200 in 2025: staff costs of € 297,611 for 5.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does FINSPICO have?

According to the 2025 annual accounts, FINSPICO has 5.3 full-time equivalents (FTE).

FINSPICO (Public Limited) - Antwerpen - BE0404640250

Dossier FINSPICO, printed on 29 October 2026 from databakkes.be/en/0404640250/finspico. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

FINSPICO from Antwerpen, company number BE0404640250, closed financial year 2025 with a result of € 266,194 after tax. For that financial year FINSPICO recorded a gross margin of € 365,815 and equity of € 2.9 million. Compared with financial year 2024, the result moved from € 1.9 million to € 266,194. The company is profitable. The buffer shrank hard: equity is 68 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.

What it is worth Shrank hard

€ 2.9 million

▼ 68% vs 2024

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

Profit Healthy

€ 266,194

▼ 86% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 531,208

▲ € 469,978 vs 2024

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

Where the profit goes Pays out

€ 6.4 million paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

5.3

▲ 1.6 vs 2024

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

Wage cost

€ 297,611

▲ 42% vs 2024

€ 56,200 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

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 353,686

▲ 79% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 55,375

▼ 59% 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
Revenue	€ 816,240 Revenue 2022: € 816,240 First fiscal year in the series	€ 690,443 Revenue 2023: € 690,443 ▼ 15% vs 2022 (€ 816,240) Unfavourable step	-	-
Gross margin	-	-	€ 894,260 Gross margin 2024: € 894,260 First fiscal year in the series	€ 365,815 Gross margin 2025: € 365,815 ▼ 59% vs 2024 (€ 894,260) Unfavourable step	▼ 59%
Profit after taxes	€ -282,639 Profit after taxes 2022: € -282,639 First fiscal year in the series	€ 1,047,985 Profit after taxes 2023: € 1,047,985 ▲ € 1.3 million vs 2022 (€ -282,639) Favourable step	€ 1,887,007 Profit after taxes 2024: € 1,887,007 ▲ 80% vs 2023 (€ 1,047,985) Favourable step	€ 266,194 Profit after taxes 2025: € 266,194 ▼ 86% vs 2024 (€ 1,887,007) Unfavourable step	▼ 86%
Equity	€ 11,053,197 Equity 2022: € 11,053,197 First fiscal year in the series	€ 7,136,582 Equity 2023: € 7,136,582 ▼ 35% vs 2022 (€ 11,053,197) Unfavourable step	€ 9,023,589 Equity 2024: € 9,023,589 ▲ 26% vs 2023 (€ 7,136,582) Favourable step	€ 2,904,834 Equity 2025: € 2,904,834 ▼ 68% vs 2024 (€ 9,023,589) Unfavourable step	▼ 68%
Total debts	€ 2,128,552 Total debts 2022: € 2,128,552 First fiscal year in the series	€ 4,694,794 Total debts 2023: € 4,694,794 ▲ 121% vs 2022 (€ 2,128,552) Unfavourable step	€ 875,508 Total debts 2024: € 875,508 ▼ 81% vs 2023 (€ 4,694,794) Favourable step	€ 7,333,078 Total debts 2025: € 7,333,078 ▲ € 6.5 million vs 2024 (€ 875,508) Unfavourable step	▲ € 6.5 million
Cash	€ 1,971,364 Cash 2022: € 1,971,364 First fiscal year in the series	€ 364,745 Cash 2023: € 364,745 ▼ 81% vs 2022 (€ 1,971,364) Unfavourable step	€ 61,230 Cash 2024: € 61,230 ▼ 83% vs 2023 (€ 364,745) Unfavourable step	€ 531,208 Cash 2025: € 531,208 ▲ € 469,978 vs 2024 (€ 61,230) Favourable step	▲ € 469,978
Retained profit	€ 10,382,089 Retained profit 2022: € 10,382,089 First fiscal year in the series	€ 6,465,474 Retained profit 2023: € 6,465,474 ▼ 38% vs 2022 (€ 10,382,089) Unfavourable step	€ 8,352,482 Retained profit 2024: € 8,352,482 ▲ 29% vs 2023 (€ 6,465,474) Favourable step	€ 2,233,726 Retained profit 2025: € 2,233,726 ▼ 73% vs 2024 (€ 8,352,482) Unfavourable step	▼ 73%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 4,964,600 Dividend 2023: € 4,964,600 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 ▼ 100% vs 2023 (€ 4,964,600) Unchanged	€ 6,384,950 Dividend 2025: € 6,384,950 Unchanged (€ 0) Unchanged
Bank debt	€ 141,895 Bank debt 2022: € 141,895 First fiscal year in the series	€ 0 Bank debt 2023: € 0 ▼ 100% vs 2022 (€ 141,895) Favourable step	€ 0 Bank debt 2024: € 0 Unchanged (€ 0) Unchanged	€ 0 Bank debt 2025: € 0 Unchanged (€ 0) Unchanged
Balance sheet total	€ 14,106,749 Balance sheet total 2022: € 14,106,749 First fiscal year in the series	€ 12,756,376 Balance sheet total 2023: € 12,756,376 ▼ 10% vs 2022 (€ 14,106,749) Unchanged	€ 10,824,098 Balance sheet total 2024: € 10,824,098 ▼ 15% vs 2023 (€ 12,756,376) Unchanged	€ 10,287,912 Balance sheet total 2025: € 10,287,912 ▼ 5% vs 2024 (€ 10,824,098) Unchanged	▼ 5%
Employees (FTE)	4 Employees (FTE) 2022: 4 First fiscal year in the series	4.3 Employees (FTE) 2023: 4.3 ▲ 0.3 vs 2022 (4) Unchanged	3.7 Employees (FTE) 2024: 3.7 ▼ 0.6 vs 2023 (4.3) Unchanged	5.3 Employees (FTE) 2025: 5.3 ▲ 1.6 vs 2024 (3.7) Unchanged	▲ 1.6

Key figures of FINSPICO, 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 FINSPICO?

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

Aug 31, 2026 New annual accounts for financial year 2025: profit of € 266,194 (▼ 86% vs 2024). filed late Source: NBB ↗
2026 Marie-Immacolata Filardo stepped down as director. NBB
2026 Talia Werner stepped down as director. NBB
2026 David Gotlib stepped down as director. NBB
2020 Marie-Immacolata Filardo became a director. NBB
2020 Talia Werner became a director. NBB
2020 David Gotlib became a director. NBB
Jul 30, 1965 Start of the company according to the CBE. KBO

In short

From € 282,639 loss in 2022 to € 266,194 profit in 2025.

Paid € 358,383 in corporate taxes since 2022.

Best year ever: 2024, with € 1.9 million profit.

On average € 69,000 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

FINSPICO

F. Construct 90%

Finspico M 25%

It owns 90% of F. Construct and 25% of Finspico M itself.

Directors

According to the 2025 annual accounts

Marie-Immacolata Filardo

Director

since 2020 · until 2026

Talia Werner

Director

Also active at: Cobesco, F. CONSTRUCT - FLEMISH CONSTRUCT COMPANY, FINBU - INVEST, FINSPICO m, NOAE

since 2020 · until 2026

David Gotlib

Director

Also active at: Beurs Voor Diamanthandel, Gofimo, F. CONSTRUCT - FLEMISH CONSTRUCT COMPANY, FINSPICO m, AVANIM, AV Bouw

since 2020 · until 2026

Establishments

Establishment units

Physical locations of this company

Registered office

Quinten Matsijslei 36

2018 Antwerpen

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 →

F. CONSTRUCT - FLEMISH CONSTRUCT COMPANY same network

€ 1.5 million revenue · 2025

FINSPICO m same network

€ -3,746 gross margin · 2026

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

Details

Company number

0404.640.250

VAT number

BE 0404.640.250

Registered office

Quinten Matsijslei 36, 2018 Antwerpen

Names & denominations

FINSPICO

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

30 July 1965

Peppol

Active · Active since 21 Oct 2026

Activities · NACE

Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen

Verhuur van woningen, exclusief sociale woningen

Projectontwikkeling voor woningbouw

Ontwikkeling van residentiële bouwprojecten

Optrekken van andere residentiële gebouwen en van kantoorgebouwen

Algemene bouw van residentiële gebouwen

View on CBE Public ↗ Annual accounts (NBB) ↗

FINSPICO

Financials

What happened to FINSPICO?

Management

Directors

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions