Carfin is a bank in Ottignies-Louvain-la-Neuve. Public Limited, started on 28 December 1970, 2 establishments.

What is the address of Carfin?

The registered office of Carfin is located at Boulevard de Lauzelle 65, 1348 Ottignies-Louvain-la-Neuve.

Is Carfin still active?

Yes. According to the CBE (29 October 2026) Carfin is active, legal situation “Normale toestand”, started on 28 December 1970.

Is Carfin registered on Peppol?

Yes, Carfin is registered on the Peppol network with ID 0208:0407899747.

What is the enterprise number of Carfin?

The enterprise number of Carfin is BE0407899747.

When was Carfin founded?

Carfin was founded on 28 December 1970.

Who are the directors of Carfin?

According to the 2025 annual accounts, the directors of Carfin are: DZH SRL, Kaoris SRL, SEDIAM SRL, Kristel Verleyen, Damien Gregoire.

Is Carfin a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 28 December 1970; 5 annual accounts filed, latest fiscal year 2025; 5 directors known from the annual account; 2 establishments in the CBE.

How much profit did Carfin make in 2025?

Carfin posted a profit after taxes of € 21,389,275 in financial year 2025.

What is the revenue of Carfin?

In its most recent annual accounts (2025), Carfin reported revenue of € 300.

How much does an employee at Carfin earn?

The average wage cost per full-time employee at Carfin was € 186,900 in 2025: staff costs of € 373,828 for 2 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Carfin have?

According to the 2025 annual accounts, Carfin has 2 full-time equivalents (FTE).

Carfin (Public Limited) - Ottignies-Louvain-la-Neuve

Dossier Carfin, printed on 29 October 2026 from databakkes.be/en/0407899747/carfin. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Busy address KBO

11 other companies have their registered office at the same address; threshold 10.

Financials

Financial year 2025

Carfin from Ottignies-Louvain-la-Neuve, company number BE0407899747, closed financial year 2025 with a result of € 21.4 million after tax. For that financial year Carfin recorded revenue of € 300 and equity of € 293.6 million. Compared with financial year 2024, the result moved from € 13.2 million to € 21.4 million. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 18, 2026.

What it is worth Growing

€ 293.6 million

▲ 119% vs 2024

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

Profit Growing

€ 21.4 million

▲ 62% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 108 million

▲ 1% vs 2024

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

Where the profit goes Pays out

€ 11.6 million paid out

54 % of the profit went to the shareholders, mostly to CALCIPAR (1991 2202 731) SA (100 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

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

Wage cost Staff costs are payroll only. Director pay sits with services and miscellaneous goods: € 854,727 in 2025, together with rent, insurance, accountants and other services. The accounts do not split that further.

€ 373,828

▼ 2% vs 2024

€ 186,900 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.

Vehicles and equipment

€ 8,725

▲ 39% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

€ 745 million

▲ 181% vs 2024

Loans from banks and other lenders, long and short.

Owed to suppliers

€ 600,591

▲ 73% vs 2024

Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 256 days on average.

Taxes and wages

€ 3.6 million

▲ 92% 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	-	€ 2,260 Revenue 2023: € 2,260 First fiscal year in the series	-	€ 300 Revenue 2025: € 300 First fiscal year in the series
Profit after taxes	€ 15,914,703 Profit after taxes 2022: € 15,914,703 First fiscal year in the series	€ 11,958,676 Profit after taxes 2023: € 11,958,676 ▼ 25% vs 2022 (€ 15,914,703) Unfavourable step	€ 13,224,432 Profit after taxes 2024: € 13,224,432 ▲ 11% vs 2023 (€ 11,958,676) Favourable step	€ 21,389,275 Profit after taxes 2025: € 21,389,275 ▲ 62% vs 2024 (€ 13,224,432) Favourable step	▲ 62%
Equity	€ 188,667,125 Equity 2022: € 188,667,125 First fiscal year in the series	€ 170,625,801 Equity 2023: € 170,625,801 ▼ 10% vs 2022 (€ 188,667,125) Unfavourable step	€ 133,850,233 Equity 2024: € 133,850,233 ▼ 22% vs 2023 (€ 170,625,801) Unfavourable step	€ 293,639,508 Equity 2025: € 293,639,508 ▲ 119% vs 2024 (€ 133,850,233) Favourable step	▲ 119%
Total debts	€ 269,870,630 Total debts 2022: € 269,870,630 First fiscal year in the series	€ 363,876,397 Total debts 2023: € 363,876,397 ▲ 35% vs 2022 (€ 269,870,630) Unfavourable step	€ 317,731,282 Total debts 2024: € 317,731,282 ▼ 13% vs 2023 (€ 363,876,397) Favourable step	€ 762,656,482 Total debts 2025: € 762,656,482 ▲ 140% vs 2024 (€ 317,731,282) Unfavourable step	▲ 140%
Cash	€ 32,755,414 Cash 2022: € 32,755,414 First fiscal year in the series	€ 55,764,496 Cash 2023: € 55,764,496 ▲ 70% vs 2022 (€ 32,755,414) Favourable step	€ 106,753,227 Cash 2024: € 106,753,227 ▲ 91% vs 2023 (€ 55,764,496) Favourable step	€ 107,983,051 Cash 2025: € 107,983,051 ▲ 1% vs 2024 (€ 106,753,227) Favourable step	▲ 1%
Land & buildings	€ 5,512,994 Land & buildings 2022: € 5,512,994 First fiscal year in the series	€ 10,895,466 Land & buildings 2023: € 10,895,466 ▲ 98% vs 2022 (€ 5,512,994) Unchanged	€ 11,329,808 Land & buildings 2024: € 11,329,808 ▲ 4% vs 2023 (€ 10,895,466) Unchanged	€ 12,692,319 Land & buildings 2025: € 12,692,319 ▲ 12% vs 2024 (€ 11,329,808) Unchanged	▲ 12%
Retained profit	€ 72,112,975 Retained profit 2022: € 72,112,975 First fiscal year in the series	€ 54,071,651 Retained profit 2023: € 54,071,651 ▼ 25% vs 2022 (€ 72,112,975) Unfavourable step	€ 17,296,083 Retained profit 2024: € 17,296,083 ▼ 68% vs 2023 (€ 54,071,651) Unfavourable step	€ 27,085,357 Retained profit 2025: € 27,085,357 ▲ 57% vs 2024 (€ 17,296,083) Favourable step	▲ 57%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 30,000,000 Dividend 2023: € 30,000,000 Unchanged (€ 0) Unchanged	€ 50,000,000 Dividend 2024: € 50,000,000 ▲ 67% vs 2023 (€ 30,000,000) Unchanged	€ 11,600,000 Dividend 2025: € 11,600,000 ▼ 77% vs 2024 (€ 50,000,000) Unchanged	▼ 77%
Bank debt	€ 264,791,935 Bank debt 2022: € 264,791,935 First fiscal year in the series	€ 328,773,654 Bank debt 2023: € 328,773,654 ▲ 24% vs 2022 (€ 264,791,935) Unfavourable step	€ 264,973,771 Bank debt 2024: € 264,973,771 ▼ 19% vs 2023 (€ 328,773,654) Favourable step	€ 745,005,076 Bank debt 2025: € 745,005,076 ▲ 181% vs 2024 (€ 264,973,771) Unfavourable step	▲ 181%
Balance sheet total	€ 458,564,018 Balance sheet total 2022: € 458,564,018 First fiscal year in the series	€ 534,525,201 Balance sheet total 2023: € 534,525,201 ▲ 17% vs 2022 (€ 458,564,018) Unchanged	€ 452,392,477 Balance sheet total 2024: € 452,392,477 ▼ 15% vs 2023 (€ 534,525,201) Unchanged	€ 1,056,851,607 Balance sheet total 2025: € 1,056,851,607 ▲ 134% vs 2024 (€ 452,392,477) Unchanged	▲ 134%
Employees (FTE)	1.8 Employees (FTE) 2022: 1.8 First fiscal year in the series	2 Employees (FTE) 2023: 2 ▲ 0.2 vs 2022 (1.8) Unchanged	2 Employees (FTE) 2024: 2 Unchanged (2) Unchanged	2 Employees (FTE) 2025: 2 Unchanged (2) Unchanged

Key figures of Carfin, 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 Carfin?

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

2028 DZH SRL stepped down as director. NBB
2028 Kaoris SRL stepped down as director. NBB
2028 SEDIAM SRL stepped down as director. NBB
2028 Kristel Verleyen stepped down as director. NBB
2028 Damien Gregoire stepped down as director. NBB
Jun 18, 2026 New annual accounts for financial year 2025: profit of € 21.4 million (▲ 62% vs 2024). Source: NBB ↗
2025 DZH SRL became a director. NBB
2025 Kaoris SRL became a director. NBB

In short

From € 15.9 million profit in 2022 to € 21.4 million profit in 2025.

Paid € 19 million in corporate taxes since 2022.

Best year ever: 2025, with € 21.4 million profit.

Paid out € 91.6 million in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

CALCIPAR (1991 2202 731) SA 100%

Carfin

IMMOBILIERE ATHENA 100%

IMMO SCLERMONT 50%

MINERARIA SACILESE 24%

CARMEUSE HOLDING 4.8%

The shares are held by CALCIPAR (1991 2202 731) SA (100%). It owns 100% of IMMOBILIERE ATHENA, 50% of IMMO SCLERMONT, 24% of MINERARIA SACILESE and 4.8% of CARMEUSE HOLDING itself.

Directors

According to the 2025 annual accounts

DZH SRL

Managing director · represented by Baron Rodolphe Collinet

Also active at: FAMELETTE PATRIMOINE – RURALITÉ

since 2025 · until 2028

Kaoris SRL

Director · represented by Barbara Jonnart

Also active at: CARMEUSE RESEARCH AND TECHNOLOGY, CARMEUSE COORDINATION CENTER, Immobilière Athena, Carmeuse America, Carmeuse America Holding, Carmeuse Europe, Carmeuse Technologies, Carmeuse Europe Services +2 more

since 2025 · until 2028

SEDIAM SRL

Director · represented by Sébastien DOSSOGNE

Also active at: CARMEUSE RESEARCH AND TECHNOLOGY, Flowell International, CARMEUSE, CARMEUSE COORDINATION CENTER, BALINA, Carmeuse America, Carmeuse America Holding, Carmeuse Technologies +2 more

since 2025 · until 2028

Kristel Verleyen

Director

Also active at: Carmeuse Europe, Carmeuse Europe Services

since 2025 · until 2028

Damien Gregoire

Director

Also active at: ETUDES ET VALORISATION DES SITES, ALKEO, Nature, Forêt et Diversité

since 2025 · until 2028

Shareholders

CALCIPAR (1991 2202 731) SA

100%

Participations

IMMOBILIERE ATHENA

100%

IMMO SCLERMONT

50%

MINERARIA SACILESE

24%

CARMEUSE HOLDING

4.8%

Establishments

Establishment units

Physical locations of this company

Registered office

Boulevard de Lauzelle 65

1348 Ottignies-Louvain-la-Neuve

2.010.405.271

Rue Schmerling 34

4000 Liège

Active since 1 October 1974

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 11 companies are registered at this address.

All companies at this address →

CARMEUSE RESEARCH AND TECHNOLOGY same network

€ 24.2 million revenue · 2025

ETUDES ET VALORISATION DES SITES same network

€ -8,441 gross margin · 2025

CARMEUSE COORDINATION CENTER same network

€ 83.1 million revenue · 2025

Carmeuse America same network

Carmeuse America Holding same network

+6 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

0407.899.747

VAT number

BE 0407.899.747

Registered office

Boulevard de Lauzelle 65, 1348 Ottignies-Louvain-la-Neuve

Names & denominations

Carfin

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

28 December 1970

Peppol

Active · Active since 19 Nov 2025

Activities · NACE

Overige activiteiten van geldscheppende financiële instellingen

Overige geldscheppende financiële instellingen

Houwen, bewerken en afwerken van natuursteen

Houwen, bewerken en afwerken van bouw- en siersteen

View on CBE Public ↗ Annual accounts (NBB) ↗

Carfin

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Financials

What happened to Carfin?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions