Financials
Financial year 2025
VFS FINANCIAL SERVICES BELGIUM from Sint-Agatha-Berchem, company number BE0406953996, closed financial year 2025 with a result of € 3.5 million after tax. For that financial year VFS FINANCIAL SERVICES BELGIUM recorded revenue of € 4.4 million and equity of € 12.7 million. Compared with financial year 2024, the result moved from € 4 million to € 3.5 million. The company is profitable. 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 June 11, 2026.
€ 12.7 million
▲ 39% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3.5 million
▼ 11% vs 2024
Profit after tax over the fiscal year.
€ 13.5 million
▲ 8% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 7.2 million.
People and assets in 2025
33.5
▼ 1.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 2.9 million
▼ 42% vs 2024
€ 85,200 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
€ 299.3 million
▲ 7% vs 2024
€ 119.8 million is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 12 million
▲ € 11.2 million vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 301 days on average.
€ 3.8 million
▲ 65% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 4,872,231 | € 4,837,508 | € 4,648,260 | € 4,441,797 | ▼ 4% |
| Profit after taxes | € 1,573,479 | € 595,505 | € 3,959,613 | € 3,536,089 | ▼ 11% |
| Equity | € 8,112,779 | € 6,208,625 | € 9,168,238 | € 12,704,328 | ▲ 39% |
| Total debts | € 263,140,930 | € 342,115,290 | € 285,979,797 | € 317,647,054 | ▲ 11% |
| Cash | € 3,112,868 | € 7,982,572 | € 12,549,634 | € 13,519,937 | ▲ 8% |
| Retained profit | € 2,612,779 | € 708,625 | € 3,668,238 | € 7,204,328 | ▲ 96% |
| Dividend | € 5,000,000 | € 2,499,659 | € 1,000,000 | € 0 | ▼ 100% |
| Bank debt | € 246,820,003 | € 321,403,989 | € 279,783,334 | € 299,265,069 | ▲ 7% |
| Balance sheet total | € 271,253,709 | € 349,053,915 | € 296,622,154 | € 330,351,382 | ▲ 11% |
| Employees (FTE) | 39 | 34.9 | 35.3 | 33.5 | ▼ 1.8 |
Key figures of VFS FINANCIAL SERVICES BELGIUM, 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 VFS FINANCIAL SERVICES BELGIUM?
What happened at VFS FINANCIAL SERVICES BELGIUM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Sandra Van Campen stepped down as director. NBB
- Johan Sierens stepped down as director. NBB
- Lionel Descamps stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 3.5 million (▼ 11% vs 2024). Source: NBB ↗
- Sandra Van Campen became a director. NBB
- Johan Sierens became a director. NBB
- Lionel Descamps became a director. NBB
- New establishment in Sint-Agatha-Berchem. KBO
In short
From € 1.6 million profit in 2022 to € 3.5 million profit in 2025.
Paid € 3.8 million in corporate taxes since 2022.
Best year ever: 2024, with € 4 million profit.
Paid out € 8.5 million in dividends to the owners in total.
A new publication or filing at VFS FINANCIAL SERVICES BELGIUM? 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
Directors
According to the 2025 annual accounts
Sandra Van Campen
Director
since 2025 · until 2030
Johan Sierens
Director
since 2025 · until 2030
Lionel Descamps
Director
since 2025 · until 2030
Establishments
Establishment units
Physical locations of this company
Hunderenveldlaan 10
1082 Sint-Agatha-Berchem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0406.953.996
- VAT number
- BE 0406.953.996
- Registered office
- Hunderenveldlaan 10, 1082 Sint-Agatha-Berchem
- Names & denominations
- VFS FINANCIAL SERVICES BELGIUM
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1970
- Peppol
- Active · Active since 10 Sept 2025
- Activities · NACE
Financiële lease
Financiële leasing
Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)
Groothandel in andere motorvoertuigen (> 3,5 ton)