Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
GARAGE RAFFAY from Visé, company number BE0439693674, closed financial year 2025 with a result of € -5,433 after tax. For that financial year GARAGE RAFFAY recorded a gross margin of € 8,392 and equity of € 118,153. Compared with financial year 2024, the result moved from € -6,000 to € -5,433. 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 July 9, 2026.
€ 118,153
▼ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,433
▲ 9 % less loss than in 2024
Profit after tax over the fiscal year.
€ 73,200
▲ 62% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 99,561.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 26,569
▼ 21% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 29,016
▼ 23% vs 2024
€ 7,275 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 1,911
▼ 35% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1,421
▼ 14% 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 | € 51,319 | € 17,171 | € -490 | € 8,392 | ▲ € 8,882 |
| Profit after taxes | € 997 | € 283 | € -6,000 | € -5,433 | ▲ € 568 |
| Equity | € 129,303 | € 129,586 | € 123,586 | € 118,153 | ▼ 4% |
| Total debts | € 111,290 | € 80,189 | € 87,715 | € 87,002 | ▼ 1% |
| Cash | € 12,741 | € 27,866 | € 45,283 | € 73,200 | ▲ 62% |
| Retained profit | € 110,711 | € 110,994 | € 104,994 | € 99,561 | ▼ 5% |
| Bank debt | € 17,033 | € 12,173 | € 37,504 | € 29,016 | ▼ 23% |
| Balance sheet total | € 240,593 | € 209,775 | € 211,301 | € 205,155 | ▼ 3% |
Key figures of GARAGE RAFFAY, 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 GARAGE RAFFAY?
What happened at GARAGE RAFFAY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,433. Source: NBB ↗
- New establishment in Visé. KBO
- Start of the company according to the CBE. KBO
In short
From € 997 profit in 2022 to € 5,433 loss in 2025.
Paid € 2,078 in corporate taxes since 2022.
Best year ever: 2022, with € 997 profit.
Management
Behind GARAGE RAFFAY is etienne raffay.
Directors
According to the 2025 annual accounts
etienne raffay
Manager
Establishments
Establishment units
Physical locations of this company
Rue de Tongres(VIS) 8
4600 Visé
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0439.693.674
- VAT number
- BE 0439.693.674
- Registered office
- Rue de Tongres(VIS) 8, 4600 Visé
- Names & denominations
- GARAGE RAFFAY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 January 1990
- Peppol
- Active · Active since 1 Dec 2025
- Activities · NACE
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