Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 64 % 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
Finance Optimisation Expertise and Partners from Sint-Pieters-Woluwe, company number BE0439550847, closed financial year 2025 with a result of € 23,225 after tax. For that financial year Finance Optimisation Expertise and Partners recorded a gross margin of € 663,730 and equity of € 53,382. Compared with financial year 2024, the result moved from € 18,121 to € 23,225. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 53,382
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 23,225
▲ 28% vs 2024
Profit after tax over the fiscal year.
€ 27,445
▲ 243% 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 € 4,078.
People and assets in 2025
8.7
▲ 1.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 546,939
▲ 11% vs 2024
€ 62,900 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.
€ 50,157
▲ 7% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 633,190
▲ 75% vs 2024
€ 55,273 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 374,122
▲ 285% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 94,289
▼ 38% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 270,864 | € 479,154 | € 586,124 | € 663,730 | ▲ 13% |
| Profit after taxes | € 37,587 | € 35,484 | € 18,121 | € 23,225 | ▲ 28% |
| Equity | € 11,219 | € 11,703 | € 51,824 | € 53,382 | ▲ 3% |
| Total debts | € 417,645 | € 443,129 | € 611,209 | € 1,104,600 | ▲ 81% |
| Cash | € 11,911 | € 7,514 | € 8,012 | € 27,445 | ▲ 243% |
| Land & buildings | - | - | € 225,032 | € 262,532 | ▲ 17% |
| Retained profit | € 1,915 | € 2,399 | € 2,520 | € 4,078 | ▲ 62% |
| Dividend | € 31,711 | € 20,000 | € 0 | € 0 | |
| Bank debt | € 123,130 | € 192,588 | € 362,154 | € 633,190 | ▲ 75% |
| Balance sheet total | € 428,864 | € 454,833 | € 663,033 | € 1,157,982 | ▲ 75% |
| Employees (FTE) | - | - | 7.4 | 8.7 | ▲ 1.3 |
Key figures of Finance Optimisation Expertise and Partners, 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 Finance Optimisation Expertise and Partners?
What happened at Finance Optimisation Expertise and Partners in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 23,225 (▲ 28% vs 2024). filed late Source: NBB ↗
- Gregory VANDERASPAILLE became a director. NBB
- New establishment in Sint-Pieters-Woluwe. KBO
- Start of the company according to the CBE. KBO
In short
From € 37,587 profit in 2022 to € 23,225 profit in 2025.
Paid € 77,256 in corporate taxes since 2022.
Best year ever: 2022, with € 37,587 profit.
On average € 76,300 of value added per employee in 2025.
A new publication or filing at Finance Optimisation Expertise and Partners? 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
Behind Finance Optimisation Expertise and Partners is Gregory VANDERASPAILLE. The shares are held by MJACCOUNTING and GMR CONSULTING. It owns 50% of FOX PARTNERS & TAX itself.
Directors
According to the 2025 annual accounts
since 2021
Shareholders
Participations
Establishments
Establishment units
Physical locations of this company
Tervurenlaan 313
1150 Sint-Pieters-Woluwe
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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€ 462,620 gross margin · 2024
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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
- 0439.550.847
- VAT number
- BE 0439.550.847
- Registered office
- Tervurenlaan 313, 1150 Sint-Pieters-Woluwe
- Names & denominations
- Finance Optimisation Expertise and Partners · FOX and Partners
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 December 1989
- Peppol
- Active · Active since 1 Dec 2025
- Activities · NACE
Activiteiten van (gecertificeerde) (fiscaal) accountants
Accountants
Boekhouders
Boekhouders en boekhouders-fiscalisten