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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Busy address KBO
57 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
BELFIUS COMMERCIAL FINANCE from Sint-Joost-ten-Node, company number BE0440627349, closed financial year 2025 with a result of € 3.7 million after tax. For that financial year BELFIUS COMMERCIAL FINANCE recorded revenue of € 57.9 million and equity of € 36.4 million. Compared with financial year 2024, the result moved from € 5.6 million to € 3.7 million. The company is profitable. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 16, 2026.
€ 36.4 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3.7 million
▼ 35% vs 2024
Profit after tax over the fiscal year.
€ 20 million
▲ 30% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 3.7 million paid out
100 % of the profit went to the shareholders, mostly to BELFIUS ASSET FINANCE HOLDING NV (100 % of the shares). That is where the money ends up.
People and assets in 2025
68.6
▲ 1.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 7.8 million
▲ 3% vs 2024
€ 114,200 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
€ 1.3 billion
▲ 10% vs 2024
Loans from banks and other lenders, long and short.
€ 1.4 billion
▼ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 74547 days on average.
€ 2.6 million
▲ 47% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 28,521,881 | € 58,837,820 | € 65,293,362 | € 57,932,207 | ▼ 11% |
| Profit after taxes | € 7,031,473 | € 3,368,472 | € 5,630,990 | € 3,661,480 | ▼ 35% |
| Equity | € 30,787,600 | € 30,787,600 | € 36,418,590 | € 36,418,590 | |
| Total debts | € 2,545,599,501 | € 2,544,310,715 | € 2,688,653,548 | € 2,772,385,170 | ▲ 3% |
| Cash | € 41,071,233 | € 15,638,641 | € 15,399,959 | € 19,974,419 | ▲ 30% |
| Retained profit | € 24,714,209 | € 24,714,209 | € 30,345,198 | € 30,345,198 | |
| Dividend | € 758,373 | € 3,368,472 | € 0 | € 3,661,480 | |
| Bank debt | € 1,119,627,522 | € 1,091,352,923 | € 1,198,184,866 | € 1,323,214,470 | ▲ 10% |
| Balance sheet total | € 2,576,387,101 | € 2,575,098,315 | € 2,725,072,138 | € 2,808,803,760 | ▲ 3% |
| Employees (FTE) | 60.7 | 65.4 | 67.5 | 68.6 | ▲ 1.1 |
Key figures of BELFIUS COMMERCIAL 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 BELFIUS COMMERCIAL FINANCE?
What happened at BELFIUS COMMERCIAL FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Jan Aertgeerts stepped down as director. NBB
- Caroline Lambert stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 3.7 million (▼ 35% vs 2024). Source: NBB ↗
- Gianni Castronovo stepped down as director. NBB
- Peter Vanloock stepped down as director. NBB
- Mario De Vry stepped down as director. NBB
- Caroline Lambert became a director. NBB
- Mario De Vry became a director. NBB
In short
From € 7 million profit in 2022 to € 3.7 million profit in 2025.
Paid € 8.2 million in corporate taxes since 2022.
Best year ever: 2022, with € 7 million profit.
Paid out € 7.8 million in dividends to the owners in total.
A new publication or filing at BELFIUS COMMERCIAL FINANCE? 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
The shares are held by BELFIUS ASSET FINANCE HOLDING NV (100%) and BELFIUS LEASE SERVICES NV (0%).
Directors
According to the 2025 annual accounts
since 2022 · until 2025
Gianni Castronovo
Managing director
since 2020 · until 2026
since 2022 · until 2028
Caroline Lambert
Director
since 2024 · until 2028
Peter Vanloock
Director
since 2020 · until 2026
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Karel Rogierplein 11
1210 Sint-Joost-ten-Node
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 57 companies are registered at this address.
All companies at this address →BELFIUS BANK
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€ 36.9 million revenue · 2025
BELFIUS VERSICHERUNGEN
CAPLINE
€ 37,500 revenue · 2025
BELFIUS FIDUCIAIRE
€ 167,847 gross margin · 2025
+52 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
- 0440.627.349
- VAT number
- BE 0440.627.349
- Registered office
- Karel Rogierplein 11, 1210 Sint-Joost-ten-Node
- Names & denominations
- BELFIUS COMMERCIAL FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 22 May 1990
- Peppol
- Active · Active since 12 Nov 2025
- Activities · NACE
Factoring