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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Tight liquidity NBB
Cash and receivables cover 23 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
55 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
besox finance from Knokke-Heist, company number BE0414714887, closed financial year 2025 with a result of € 196,346 after tax. For that financial year besox finance recorded a gross margin of € 1.5 million and equity of € 161,258. Compared with financial year 2024, the result moved from € 230,775 to € 196,346. The company is profitable. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.
€ 161,258
▼ 39% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 196,346
▼ 15% vs 2024
Profit after tax over the fiscal year.
€ 130,814
▲ 115% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 300,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
11.4
▲ 1.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1 million
▲ 36% vs 2024
€ 90,300 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.
€ 311,838
▲ 34% vs 2024
Of which on lease € 252,478.
Debts at end 2025
€ 622,435
▼ 37% vs 2024
€ 87,783 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 116,484
▲ 200% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 83,624
▲ 38% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,371,634 | € 1,172,547 | € 985,800 | € 1,486,797 | ▲ 51% |
| Profit after taxes | € 171,900 | € 64,273 | € 230,775 | € 196,346 | ▼ 15% |
| Equity | € 270,939 | € 250,212 | € 264,912 | € 161,258 | ▼ 39% |
| Total debts | € 1,534,468 | € 1,234,400 | € 1,312,351 | € 1,277,043 | ▼ 3% |
| Cash | € 47,630 | € 48,681 | € 60,773 | € 130,814 | ▲ 115% |
| Retained profit | € 249,939 | € 229,212 | € 243,912 | € 140,258 | ▼ 42% |
| Dividend | € 232,815 | € 85,000 | € 216,075 | € 300,000 | ▲ 39% |
| Bank debt | € 1,135,244 | € 1,013,474 | € 985,499 | € 622,435 | ▼ 37% |
| Balance sheet total | € 1,805,407 | € 1,701,784 | € 1,577,262 | € 1,438,301 | ▼ 9% |
| Employees (FTE) | 10.3 | 9.3 | 9.7 | 11.4 | ▲ 1.7 |
Key figures of besox finance, 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 besox finance?
What happened at besox finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 196,346 (▼ 15% vs 2024). Source: NBB ↗
- DAPHOR BV became a director. NBB
- New establishment in Knokke-Heist. KBO
- New establishment in Knokke-Heist. KBO
- New establishment in Blankenberge. KBO
- BE-FIN BV became a director. NBB
- New establishment in Knokke-Heist. KBO
- Start of the company according to the CBE. KBO
In short
From € 171,900 profit in 2022 to € 196,346 profit in 2025.
Paid € 264,795 in corporate taxes since 2022.
Best year ever: 2024, with € 230,775 profit.
On average € 130,400 of value added per employee in 2025.
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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
Behind besox finance are DAPHOR BV and BE-FIN BV. The shares are held by Jabb Group, BE-FIN, FRINGBA and COOMOR SERVICE CENTER.
Directors
According to the 2025 annual accounts
Director · represented by Cedric Biebauw
Also active at: Iskariot, DE RIECK, besox verzekeringen, PACOBI, Vavedis Belgium, Bimon
since 2017
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kalvekeetdijk 179 box 7
8300 Knokke-Heist
de Smet de Naeyerlaan 134
8370 Blankenberge
Active since 2 January 2018
de Vrièrestraat 28
8301 Knokke-Heist
Active since 1 December 2018
Lippenslaan 108
8300 Knokke-Heist
Active since 1 December 2018
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 55 companies are registered at this address.
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+50 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
- 0414.714.887
- VAT number
- BE 0414.714.887
- Registered office
- Kalvekeetdijk 179 bus 7, 8300 Knokke-Heist
- Names & denominations
- besox finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 December 1974
- Peppol
- Active · Active since 3 Jun 2024
- Activities · NACE
Agenten en makelaars in bankdiensten
Overige activiteiten van geldscheppende financiële instellingen
Activiteiten van holdings
Holdings