Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 3.8 to 3.3.
Financials
Financial year 2025
B C finance from Antoing, company number BE0434212580, closed financial year 2025 with a result of € 154,945 after tax. For that financial year B C finance recorded a gross margin of € 406,249 and equity of € 122,213. Compared with financial year 2024, the result moved from € 230,019 to € 154,945. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 22, 2026.
€ 122,213
▲ 40% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 154,945
▼ 33% vs 2024
Profit after tax over the fiscal year.
€ 240,669
▼ 20% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 120,000 paid out
77 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
3.3
▼ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 204,639
▼ 16% vs 2024
€ 62,000 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
€ 84,229
▼ 27% vs 2024
Loans from banks and other lenders, long and short.
€ 8,973
▼ 57% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 20,390
▼ 44% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 471,460 | € 473,354 | € 520,356 | € 406,249 | ▼ 22% |
| Profit after taxes | € 158,578 | € 164,089 | € 230,019 | € 154,945 | ▼ 33% |
| Equity | € 86,161 | € 87,250 | € 87,269 | € 122,213 | ▲ 40% |
| Total debts | € 553,161 | € 368,057 | € 402,698 | € 233,941 | ▼ 42% |
| Cash | € 179,799 | € 158,488 | € 301,796 | € 240,669 | ▼ 20% |
| Land & buildings | € 209,811 | - | - | - | |
| Retained profit | € 6,369 | € 7,458 | € 7,477 | € 42,421 | ▲ € 34,945 |
| Dividend | € 158,000 | € 163,000 | € 230,000 | € 120,000 | ▼ 48% |
| Bank debt | € 337,651 | € 146,051 | € 115,488 | € 84,229 | ▼ 27% |
| Balance sheet total | € 639,322 | € 455,306 | € 489,967 | € 356,154 | ▼ 27% |
| Employees (FTE) | - | 3.8 | 3.6 | 3.3 | ▼ 0.3 |
Key figures of B C 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 B C finance?
What happened at B C 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 € 154,945 (▼ 33% vs 2024). Source: NBB ↗
- New establishment in Rumes. KBO
- New establishment in Tournai. KBO
- BENOIT JACQUART MANAGEMENT SRL became a director. NBB
- SEBASTIEN LEROY MANAGEMENT SRL became a director. NBB
- STEKELORUM MANAGEMENT SRL became a director. NBB
- New establishment in Antoing. KBO
- CAP CONSEILS SRL became a director. NBB
In short
From € 158,578 profit in 2022 to € 154,945 profit in 2025.
Paid € 32,122 in corporate taxes since 2022.
Best year ever: 2024, with € 230,019 profit.
On average € 123,100 of value added per employee in 2025.
Management
The stake of Crédits Assurances Placements Conseils, Sébastien LEROY Management, Benoît Jacquart Management comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
B C financeBehind B C finance are BENOIT JACQUART MANAGEMENT SRL, CAP CONSEILS SRL, SEBASTIEN LEROY MANAGEMENT SRL and STEKELORUM MANAGEMENT SRL. The shares are held by Crédits Assurances Placements Conseils (25.1%), Sébastien LEROY Management (25%) and Benoît Jacquart Management (25%).
Directors
According to the 2025 annual accounts
BENOIT JACQUART MANAGEMENT SRL
Director · represented by Benoit JACQUART
Also active at: WAPI SERVICES, IMMO BARRY, VALORIA
since 2025
Director · represented by Olivier DELHAYE
since 2006
SEBASTIEN LEROY MANAGEMENT SRL
Director · represented by Sébastien LEROY
Also active at: WAPI SERVICES, IMMO BARRY, VALORIA
since 2025
Director · represented by Julien STEKELORUM
Also active at: WAPI SERVICES, IMMO BARRY, VALORIA
since 2025
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue du Curé 2A
7640 Antoing
Grand'rue 42
7640 Antoing
Active since 18 June 2018
Chaussée de Douai(RS) 87
7610 Rumes
Active since 9 January 2025
Chaussée de Mons(BAR) 54 box A
7534 Tournai
Active since 9 January 2025
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0434.212.580
- VAT number
- BE 0434.212.580
- Registered office
- Rue du Curé 2A, 7640 Antoing
- Names & denominations
- B C finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 May 1988
- Peppol
- Active · Active since 9 Dec 2025
- Activities · NACE
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