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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 28 % 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
LOCAFI from Namur, company number BE0439103756, closed financial year 2025 with a result of € 7,449 after tax. For that financial year LOCAFI recorded a gross margin of € 11,246 and equity of € -5,516. Compared with financial year 2024, the result moved from € -939 to € 7,449. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 23, 2026.
€ -5,516
▲ € 7,449 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,449
▲ still € 939 loss in 2024
Profit after tax over the fiscal year.
€ 8,730
▲ € 7,910 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -67,516.
People and assets in 2025
€ 153
▼ 47% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 731
▼ 70% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 4,890 | € 4,331 | € 2,812 | € 11,246 | ▲ 300% |
| Profit after taxes | € -1,465 | € 658 | € -939 | € 7,449 | ▲ € 8,388 |
| Equity | € -12,683 | € -12,026 | € -12,965 | € -5,516 | ▲ € 7,449 |
| Total debts | € 31,751 | € 32,920 | € 33,608 | € 31,285 | ▼ 7% |
| Cash | € 581 | € 3,148 | € 820 | € 8,730 | ▲ € 7,910 |
| Land & buildings | € 14,717 | € 13,969 | € 14,359 | € 13,497 | ▼ 6% |
| Retained profit | € -74,683 | € -74,026 | € -74,965 | € -67,516 | ▲ € 7,449 |
| Balance sheet total | € 19,067 | € 20,895 | € 20,643 | € 25,769 | ▲ 25% |
Key figures of LOCAFI, 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 LOCAFI?
What happened at LOCAFI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- ANNE MARIE NANIOT stepped down as director. NBB
- CLAUDE WILLEMS stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 7,449. Source: NBB ↗
- ANNE MARIE NANIOT became a director. NBB
- CLAUDE WILLEMS became a director. NBB
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,465 loss in 2022 to € 7,449 profit in 2025.
Paid € 126 in corporate taxes since 2022.
Best year ever: 2025, with € 7,449 profit.
A new publication or filing at LOCAFI? 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
Directors
According to the 2025 annual accounts
ANNE MARIE NANIOT
Director
since 2023 · until 2029
CLAUDE WILLEMS
Managing director
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Chaussée de Waterloo(SS) 83
5002 Namur
Chaussée de Waterloo 83
5000 Namur
Active since 7 March 1990
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0439.103.756
- VAT number
- BE 0439.103.756
- Registered office
- Chaussée de Waterloo(SS) 83, 5002 Namur
- Names & denominations
- LOCAFI
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 November 1989
- Peppol
- Not registered