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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Tight liquidity NBB
Cash and receivables cover 10 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINANCIERE SAINT PAUL from Liège, company number BE0445226832, closed financial year 2025 with a result of € 8.7 million after tax. For that financial year FINANCIERE SAINT PAUL recorded revenue of € 3 million and equity of € 64.5 million. Compared with financial year 2024, the result moved from € 22,221 to € 8.7 million. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 13, 2026.
€ 64.5 million
▲ 16% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 8.7 million
▲ € 8.7 million vs 2024
Profit after tax over the fiscal year.
€ 383,647
▼ 71% 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 € 62.2 million.
People and assets in 2025
15.9
▲ 1.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 981,943
▲ 5% vs 2024
€ 61,800 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.
€ 18,469
▼ 58% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 19.4 million
▼ 33% vs 2024
€ 3.2 million is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 256,245
▲ 33% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 40 days on average.
€ 140,648
▲ 12% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,375,185 | € 1,728,819 | € 2,544,386 | € 2,968,672 | ▲ 17% |
| Profit after taxes | € 12,608,432 | € 28,122 | € 22,221 | € 8,748,355 | ▲ € 8.7 million |
| Equity | € 55,667,231 | € 55,695,353 | € 55,717,574 | € 64,465,929 | ▲ 16% |
| Total debts | € 22,521,879 | € 24,481,560 | € 48,419,509 | € 36,525,647 | ▼ 25% |
| Cash | € 74,898 | € 1,295,879 | € 1,333,162 | € 383,647 | ▼ 71% |
| Retained profit | € 53,367,713 | € 53,395,834 | € 53,418,056 | € 62,166,410 | ▲ 16% |
| Bank debt | € 17,850,471 | € 15,622,793 | € 28,967,413 | € 19,369,567 | ▼ 33% |
| Balance sheet total | € 78,189,111 | € 80,176,913 | € 104,137,083 | € 100,991,576 | ▼ 3% |
| Employees (FTE) | 7.3 | 11.9 | 14.7 | 15.9 | ▲ 1.2 |
Key figures of FINANCIERE SAINT PAUL, 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 FINANCIERE SAINT PAUL?
What happened at FINANCIERE SAINT PAUL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Stephan UHODA stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 8.7 million (▲ € 8.7 million vs 2024). Source: NBB ↗
- BLDK Consult SRL stepped down as director. NBB
- METHIS SARL stepped down as director. NBB
- S2M Productions SRL stepped down as director. NBB
- CONDORELO SComm stepped down as director. NBB
- BLDK Consult SRL became a director. NBB
- METHIS SARL became a director. NBB
In short
From € 12.6 million profit in 2022 to € 8.7 million profit in 2025.
Paid € 90,220 in corporate taxes since 2022.
Best year ever: 2022, with € 12.6 million profit.
Pays suppliers within 40 days on average.
A new publication or filing at FINANCIERE SAINT PAUL? 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
It owns 100% of Immo Centre-Ville, 100% of U Petrol Management, 100% of BB Food services, 100% of UDS, 100% of Serqual and 100% of Henrotte itself.
Directors
According to the 2025 annual accounts
Director · represented by Eric DE KEULENEER
Also active at: CONCEPTION, ETUDES ET COOPERATION DE FORMATION, INSTANT NEWS SERVICES
since 2025 · until 2026
METHIS SARL
Director · represented by Gildino Tavares-Ducrotois
since 2025 · until 2026
since 2025 · until 2026
Director · represented by Michel GRIGNARD
Also active at: GILFI, SOGINVEST, YSOLDE, DETRY RETAIL GROUP, H2G
since 2025 · until 2026
Stephan UHODA
Managing director
Also active at: HESBYMAZOUT, UHODA S.A., U.D.S., M.E.I. COMPANY, SOCIETE ANONYME BELGE POUR LA PROMOTION DE L'EXPORTATION, HAECHTIFY, Immo centre-ville, HENROTTE & CIE S.A. +22 more
since 2021 · until 2027
Establishments
Establishment units
Physical locations of this company
Rue Bonne-Fortune 3-5
4000 Liège
Rue Léon-Frédéricq 14
4020 Liège
Active since 1 November 2017
Wetstraat 42
1040 Brussel
Active since 1 June 2025
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0445.226.832
- VAT number
- BE 0445.226.832
- Registered office
- Rue Bonne-Fortune 3-5, 4000 Liège
- Names & denominations
- FINANCIERE SAINT PAUL · FSP
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 19 September 1991
- Peppol
- Active · Active since 15 Oct 2025
- Activities · NACE
Activiteiten van hoofdkantoren
Activiteiten van holdings
Holdings