Financials
Financial year 2025
ST MICHEL from Waterloo, company number BE0430903890, closed financial year 2025 with a result of € -7,217 after tax. For that financial year ST MICHEL recorded a gross margin of € 195,088 and equity of € 75,318. Compared with financial year 2024, the result moved from € 13,244 to € -7,217. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 22, 2026.
€ 75,318
▼ 9% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7,217
▼ still € 13,244 profit in 2024
Profit after tax over the fiscal year.
€ 150,487
▲ 29% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 56,718.
People and assets in 2025
5.1
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 188,246
▼ 3% vs 2024
€ 36,900 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.
€ 5,034
▼ 55% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 420
▼ 82% vs 2024
Loans from banks and other lenders, long and short.
€ 128,100
▲ 74% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 36,866
▲ 7% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 164,638 | € 205,554 | € 226,597 | € 195,088 | ▼ 14% |
| Profit after taxes | € -31,927 | € 17,349 | € 13,244 | € -7,217 | ▼ € 20,461 |
| Equity | € 61,942 | € 69,291 | € 82,535 | € 75,318 | ▼ 9% |
| Total debts | € 127,234 | € 178,652 | € 111,502 | € 166,450 | ▲ 49% |
| Cash | € 97,823 | € 164,604 | € 116,280 | € 150,487 | ▲ 29% |
| Retained profit | € 43,342 | € 50,691 | € 63,935 | € 56,718 | ▼ 11% |
| Dividend | € 0 | € 10,000 | € 0 | € 0 | |
| Bank debt | € 17,679 | € 7,934 | € 2,353 | € 420 | ▼ 82% |
| Balance sheet total | € 189,176 | € 247,943 | € 194,037 | € 241,768 | ▲ 25% |
| Employees (FTE) | 6.1 | 5.8 | 5 | 5.1 | ▲ 0.1 |
Key figures of ST MICHEL, 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 ST MICHEL?
What happened at ST MICHEL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 7,217 (▼ € 20,461 vs 2024). Source: NBB ↗
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
In short
From € 31,927 loss in 2022 to € 7,217 loss in 2025.
Paid € 2,579 in corporate taxes since 2022.
Best year ever: 2023, with € 17,349 profit.
On average € 38,300 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 ST MICHEL are Fabien DELANGE, Bernadette RAEYMEKERS and Julie DELANGE.
Directors
According to the 2025 annual accounts
Fabien DELANGE
Director
Bernadette RAEYMEKERS
Administratrice
Julie DELANGE
Administratrice
Establishments
Establishment units
Physical locations of this company
Chaussée de Bruxelles 244
1410 Waterloo
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.
Website
Technologies
Hosting & Email
Email provider
OVH Mail
Hosting
OVH, FR
DNS
OVH DNS
Website info
Features
Security
Details
- Company number
- 0430.903.890
- VAT number
- BE 0430.903.890
- Registered office
- Chaussée de Bruxelles 244, 1410 Waterloo
- Names & denominations
- ST MICHEL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 April 1987
- Peppol
- Active · Active since 15 Oct 2025
- Contact
- fromagerie-waterloo.be
- Activities · NACE
Detailhandel in zuivelproducten en eieren
Detailhandel in zuivelproducten en eieren in gespecialiseerde winkels
Vervaardiging van andere voedingsmiddelen, neg
Detailhandel in vlees en vleesproducten, muv vlees van wild en van gevogelte
Detailhandel in dranken, algemeen assortiment
Vervaardiging van zuivelproducten
Vervaardiging van bereide maaltijden en schotels