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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 60 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
FINANCIEEL- EN VERZEKERINGSKANTOOR from Erpe-Mere, company number BE0436133378, closed financial year 2025 with a result of € -7,973 after tax. For that financial year FINANCIEEL- EN VERZEKERINGSKANTOOR recorded a gross margin of € 2,874 and equity of € 37,820. Compared with financial year 2024, the result moved from € -5,068 to € -7,973. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on May 28, 2026.
€ 37,820
▼ 17% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7,973
▼ 57 % more loss than in 2024
Profit after tax over the fiscal year.
€ 31
▼ 99% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -27,580.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 7,713
▼ 33% vs 2024
€ 3,941 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 3,899
▼ 70% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 93
▼ 94% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 441 | € 5,448 | € 7,908 | € 2,874 | ▼ 64% |
| Profit after taxes | € -20,469 | € -5,009 | € -5,068 | € -7,973 | ▼ € 2,904 |
| Equity | € 55,870 | € 50,861 | € 45,792 | € 37,820 | ▼ 17% |
| Total debts | € 65,891 | € 66,052 | € 28,041 | € 13,329 | ▼ 52% |
| Cash | € 25,214 | € 26,967 | € 3,297 | € 31 | ▼ 99% |
| Land & buildings | € 53,057 | € 48,077 | € 44,507 | € 40,901 | ▼ 8% |
| Retained profit | € -9,530 | € -14,539 | € -19,608 | € -27,580 | ▼ € 7,973 |
| Bank debt | € 22,688 | € 19,264 | € 11,479 | € 7,713 | ▼ 33% |
| Balance sheet total | € 121,760 | € 116,913 | € 73,834 | € 51,149 | ▼ 31% |
Key figures of FINANCIEEL- EN VERZEKERINGSKANTOOR, 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 FINANCIEEL- EN VERZEKERINGSKANTOOR?
What happened at FINANCIEEL- EN VERZEKERINGSKANTOOR in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 7,973. Source: NBB ↗
- Patrick De Vuyst became a director. NBB
- New establishment in Erpe-Mere. KBO
- Start of the company according to the CBE. KBO
In short
From € 20,469 loss in 2022 to € 7,973 loss in 2025.
Paid € 14,395 in corporate taxes since 2022.
Management
Behind FINANCIEEL- EN VERZEKERINGSKANTOOR is Patrick De Vuyst.
Directors
According to the 2025 annual accounts
Patrick De Vuyst
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Dorpsstraat 162
9420 Erpe-Mere
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0436.133.378
- VAT number
- BE 0436.133.378
- Registered office
- Dorpsstraat 162, 9420 Erpe-Mere
- Names & denominations
- FINANCIEEL- EN VERZEKERINGSKANTOOR · FINEVER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 December 1988
- Peppol
- Not registered