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.
-
Tight liquidity NBB
Cash and receivables cover 48 % of short-term debt in 2025; threshold 65 %.
-
Shrinking team NBB
FTE fell two years in a row, from 7.2 to 5.8.
-
Figures corrected NBB
Corrected annual account filed for 2025.
-
Busy address KBO
13 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
Finastra from Lokeren, company number BE0446540686, closed financial year 2025 with a result of € -88,374 after tax. For that financial year Finastra recorded revenue of € 1.3 million and equity of € 3.6 million. Compared with financial year 2024, the result moved from € -158,733 to € -88,374. 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 13, 2026.
€ 3.6 million
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -88,374
▲ 44 % less loss than in 2024
Profit after tax over the fiscal year.
€ 19,684
▲ 46% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 553,149.
People and assets in 2025
5.8
▼ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 436,654
▼ 4% vs 2024
€ 75,300 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.
€ 94,570
▲ 15% 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.
€ 110,916
▲ 28% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 74,453
▲ 25% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 717,506 | € 978,217 | € 892,084 | € 1,295,592 | ▲ 45% |
| Gross margin | € 442,459 | € 555,805 | € 556,241 | € 570,976 | ▲ 3% |
| Profit after taxes | € 69,806 | € -119,549 | € -158,733 | € -88,374 | ▲ € 70,358 |
| Equity | € 1,419,806 | € 1,300,257 | € 3,641,524 | € 3,553,149 | ▼ 2% |
| Total debts | € 3,314,928 | € 4,085,696 | € 3,838,975 | € 4,730,719 | ▲ 23% |
| Cash | € 45,960 | € 18,303 | € 13,460 | € 19,684 | ▲ 46% |
| Retained profit | € 919,806 | € 800,257 | € 641,524 | € 553,149 | ▼ 14% |
| Dividend | € 95,525 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 4,734,734 | € 5,385,953 | € 7,480,498 | € 8,283,869 | ▲ 11% |
| Employees (FTE) | 5 | 7.2 | 6.1 | 5.8 | ▼ 0.3 |
Key figures of Finastra, 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 Finastra?
What happened at Finastra in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Ivan VAN DUYSEN stepped down as director. NBB
- Hans VAN DUYSEN stepped down as director. NBB
- Cedric DE MOL stepped down as director. NBB
- Fernando UNGARO stepped down as director. NBB
- Corrected annual accounts filed for financial year 2025. Source: NBB ↗
- Ivan VAN DUYSEN became a director. NBB
- Hans VAN DUYSEN became a director. NBB
- Cedric DE MOL became a director. NBB
In short
From € 69,806 profit in 2022 to € 88,374 loss in 2025.
Paid € 18,621 in corporate taxes since 2022.
Best year ever: 2022, with € 69,806 profit.
On average € 98,400 of value added per employee in 2025.
Management
The stake of MATRAFOAM comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FinastraThe shares are held by MATRAFOAM (100%). It owns 100% of Sélection Literie sas, 100% of Belirija D.O.O., 100% of Sino Line Holdings Ltd, 100% of Schwarzwald Schlafsysteme GmbH, 100% of BRS Solutions and Hightec Industries (Shenzen) co. Ltd itself.
Directors
According to the 2025 annual accounts
Ivan VAN DUYSEN
Director
Also active at: ASSOCIATION BELGIQUE-CHINE - VERENIGING BELGIE-CHINA, Goeters - Ars et Labor, Mardo - Dovarco, SOMNIS CONCEPTS, UEWENBERG, SOMNIS BEDDING, Belgian Bedding, MATRAFOAM +4 more
since 2023 · until 2029
Hans VAN DUYSEN
Managing director
Also active at: ASSOCIATION BELGIQUE-CHINE - VERENIGING BELGIE-CHINA, Koninklijke Sporting Club Lokeren - Temse, Goeters - Ars et Labor, Mardo - Dovarco, PROFINANCE, UNISTOCK, SOMNIS CONCEPTS, UEWENBERG +19 more
since 2023 · until 2029
Cedric DE MOL
Director
Also active at: Mardo - Dovarco, Belgian Bedding, Koninklijke Sporting Club Lokeren, Sporting Lokeren Academy, BRS Solutions, Helvetic Bedding
since 2023 · until 2029
Fernando UNGARO
Director
since 2023 · until 2029
Shareholders
100%
Participations
Sélection Literie sas
100%
100%
Sino Line Holdings Ltd
100%
100%
Hightec Industries (Shenzen) co. Ltd
Schwarzwald Schlafsysteme (Shenzen) Trading Co. Ltd
Schwarzwald Schlafstysteme (HK) Ltd
Establishments
Establishment units
Physical locations of this company
Daknamstraat 89
9160 Lokeren
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 13 companies are registered at this address.
All companies at this address →Goeters - Ars et Labor same network
€ 1.1 million revenue · 2025
Mardo - Dovarco same network
€ 155,277 revenue · 2025
PROFINANCE same network
€ 353,515 revenue · 2025
SOMNIS CONCEPTS same network
€ 1 million revenue · 2025
SOMNIS BEDDING same network
€ 21.8 million revenue · 2025
+8 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
- 0446.540.686
- VAT number
- BE 0446.540.686
- Registered office
- Daknamstraat 89, 9160 Lokeren
- Names & denominations
- Finastra
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 29 January 1992
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Overige fiscale dienstverlening
Boekhouders
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Overige adviesbureaus op het gebied van bedrijfsvoering en beheer
Boekhouders en boekhouders-fiscalisten
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering