Financials
Financial year 2025
W.N.F. CARDS from Stekene, company number BE0412483788, closed financial year 2025 with a result of € 110,888 after tax. For that financial year W.N.F. CARDS recorded a gross margin of € 1.5 million and equity of € 988,277. Compared with financial year 2024, the result moved from € 65,329 to € 110,888. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on December 30, 2025.
€ 988,277
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 110,888
▲ 70% vs 2024
Profit after tax over the fiscal year.
€ 251,069
▲ 202% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 70,000 paid out
63 % of the profit went to the shareholders, mostly to STEMAN (100 % of the shares). That is where the money ends up.
People and assets in 2025
17.3
▲ 1.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.1 million
▲ 16% vs 2024
€ 62,100 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.
€ 438,854
▲ 25% vs 2024
Of which on lease € 50,227.
Debts at end 2025
€ 885,100
▲ 32% vs 2024
€ 177,463 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 166,068
▲ 44% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 242,979
▲ 41% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,013,350 | € 1,126,895 | € 1,240,555 | € 1,518,903 | ▲ 22% |
| Profit after taxes | € 77,579 | € 97,621 | € 65,329 | € 110,888 | ▲ 70% |
| Equity | € 929,439 | € 947,060 | € 947,389 | € 988,277 | ▲ 4% |
| Total debts | € 773,788 | € 980,814 | € 1,089,212 | € 1,704,400 | ▲ 56% |
| Cash | € 208,327 | € 174,258 | € 83,020 | € 251,069 | ▲ 202% |
| Land & buildings | € 10,758 | € 10,275 | € 9,793 | € 9,310 | ▼ 5% |
| Retained profit | € 866,939 | € 884,560 | € 884,889 | € 925,777 | ▲ 5% |
| Dividend | € 75,000 | € 80,000 | € 65,000 | € 70,000 | ▲ 8% |
| Bank debt | € 251,121 | € 624,369 | € 671,690 | € 885,100 | ▲ 32% |
| Balance sheet total | € 1,703,227 | € 1,927,874 | € 2,036,601 | € 2,692,677 | ▲ 32% |
| Employees (FTE) | 15.7 | 15.1 | 15.5 | 17.3 | ▲ 1.8 |
Key figures of W.N.F. CARDS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to W.N.F. CARDS?
What happened at W.N.F. CARDS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 110,888 (▲ 70% vs 2024). Source: NBB ↗
- New establishment in Stekene. KBO
- Steman BV became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 77,579 profit in 2022 to € 110,888 profit in 2025.
Paid € 120,052 in corporate taxes since 2022.
Best year ever: 2025, with € 110,888 profit.
On average € 87,800 of value added per employee in 2025.
A new publication or filing at W.N.F. CARDS? 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 stake of STEMAN comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
W.N.F. CARDSBehind W.N.F. CARDS is Steman BV. The shares are held by STEMAN (99.9%).
Establishments
Establishment units
Physical locations of this company
Zavelstraat(STE) 13
9190 Stekene
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0412.483.788
- VAT number
- BE 0412.483.788
- Registered office
- Zavelstraat(STE) 13, 9190 Stekene
- Names & denominations
- W.N.F. CARDS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 June 1972
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Groothandel in kantoor- en schoolbenodigdheden
Groothandel in papierwaren, kantoor- en schoolbehoeften
Groothandel in andere consumentenartikelen, neg
Overige groothandel in consumentenartikelen, n.e.g.
Prepress- en premediadiensten
Hulpactiviteiten in verband met drukkerijen