What is the address of PROMISIA FINANCES?

The registered office of PROMISIA FINANCES is located at Avenue des Alliés 82a, 4960 Malmedy.

Is PROMISIA FINANCES still active?

Yes. According to the CBE (29 October 2026) PROMISIA FINANCES is active, legal situation “Normale toestand”, started on 17 February 1993.

Is PROMISIA FINANCES registered on Peppol?

Yes, PROMISIA FINANCES is registered on the Peppol network with ID 0208:0449442768.

What is the enterprise number of PROMISIA FINANCES?

The enterprise number of PROMISIA FINANCES is BE0449442768.

When was PROMISIA FINANCES founded?

PROMISIA FINANCES was founded on 17 February 1993.

Who are the directors of PROMISIA FINANCES?

According to the 2025 annual accounts, the directors of PROMISIA FINANCES are: CAHAY DENNE, MARE INVEST, CAMA HOLDING.

Is PROMISIA FINANCES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 17 February 1993; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account; 3 establishments in the CBE.

How much profit did PROMISIA FINANCES make in 2025?

PROMISIA FINANCES posted a profit after taxes of € 269,526 in financial year 2025.

What is the revenue of PROMISIA FINANCES?

As a small company, PROMISIA FINANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 294,722.

PROMISIA FINANCES (Public Limited) - Malmedy

Q: What does PROMISIA FINANCES do?

PROMISIA FINANCES is filed with the CBE under the catch-all “Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen”, a code that says little about what the company actually does. Public Limited, started on 17 February 1993, 3 establishments.

Dossier PROMISIA FINANCES, printed on 29 October 2026 from databakkes.be/en/0449442768/promisia-finances. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

PROMISIA FINANCES from Malmedy, company number BE0449442768, closed financial year 2025 with a result of € 269,526 after tax. For that financial year PROMISIA FINANCES recorded a gross margin of € 294,722 and equity of € 261,698. Compared with financial year 2024, the result moved from € -26,691 to € 269,526. 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 August 4, 2026.

What it is worth Growing

€ 261,698

▲ € 269,526 vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 269,526

▲ still € 26,691 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 12,876

▼ 26% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 145,879.

People and assets in 2025

Wage cost

€ 6,819

▼ 93% vs 2024

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

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 98

▼ € 40,755 vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes

€ 1,081

▼ 88% vs 2024

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 172,737 Gross margin 2022: € 172,737 First fiscal year in the series	€ 154,373 Gross margin 2023: € 154,373 ▼ 11% vs 2022 (€ 172,737) Unfavourable step	€ 93,345 Gross margin 2024: € 93,345 ▼ 40% vs 2023 (€ 154,373) Unfavourable step	€ 294,722 Gross margin 2025: € 294,722 ▲ 216% vs 2024 (€ 93,345) Favourable step	▲ 216%
Profit after taxes	€ -9,201 Profit after taxes 2022: € -9,201 First fiscal year in the series	€ -20,029 Profit after taxes 2023: € -20,029 ▼ € 10,828 vs 2022 (€ -9,201) Unfavourable step	€ -26,691 Profit after taxes 2024: € -26,691 ▼ € 6,662 vs 2023 (€ -20,029) Unfavourable step	€ 269,526 Profit after taxes 2025: € 269,526 ▲ € 296,217 vs 2024 (€ -26,691) Favourable step	▲ € 296,217
Equity	€ 38,892 Equity 2022: € 38,892 First fiscal year in the series	€ 18,863 Equity 2023: € 18,863 ▼ 52% vs 2022 (€ 38,892) Unfavourable step	€ -7,828 Equity 2024: € -7,828 ▼ € 26,691 vs 2023 (€ 18,863) Unfavourable step	€ 261,698 Equity 2025: € 261,698 ▲ € 269,526 vs 2024 (€ -7,828) Favourable step	▲ € 269,526
Total debts	€ 183,885 Total debts 2022: € 183,885 First fiscal year in the series	€ 143,006 Total debts 2023: € 143,006 ▼ 22% vs 2022 (€ 183,885) Favourable step	€ 110,637 Total debts 2024: € 110,637 ▼ 23% vs 2023 (€ 143,006) Favourable step	€ 1,178 Total debts 2025: € 1,178 ▼ 99% vs 2024 (€ 110,637) Favourable step	▼ 99%
Cash	€ 33,882 Cash 2022: € 33,882 First fiscal year in the series	€ 36,410 Cash 2023: € 36,410 ▲ 7% vs 2022 (€ 33,882) Favourable step	€ 17,345 Cash 2024: € 17,345 ▼ 52% vs 2023 (€ 36,410) Unfavourable step	€ 12,876 Cash 2025: € 12,876 ▼ 26% vs 2024 (€ 17,345) Unfavourable step	▼ 26%
Retained profit	€ -76,926 Retained profit 2022: € -76,926 First fiscal year in the series	€ -96,956 Retained profit 2023: € -96,956 ▼ € 20,029 vs 2022 (€ -76,926) Unfavourable step	€ -123,647 Retained profit 2024: € -123,647 ▼ € 26,691 vs 2023 (€ -96,956) Unfavourable step	€ 145,879 Retained profit 2025: € 145,879 ▲ € 269,526 vs 2024 (€ -123,647) Favourable step	▲ € 269,526
Bank debt	€ 65,508 Bank debt 2022: € 65,508 First fiscal year in the series	€ 51,338 Bank debt 2023: € 51,338 ▼ 22% vs 2022 (€ 65,508) Favourable step	€ 36,949 Bank debt 2024: € 36,949 ▼ 28% vs 2023 (€ 51,338) Favourable step	€ 0 Bank debt 2025: € 0 ▼ 100% vs 2024 (€ 36,949) Favourable step	▼ 100%
Balance sheet total	€ 222,777 Balance sheet total 2022: € 222,777 First fiscal year in the series	€ 161,869 Balance sheet total 2023: € 161,869 ▼ 27% vs 2022 (€ 222,777) Unchanged	€ 102,808 Balance sheet total 2024: € 102,808 ▼ 36% vs 2023 (€ 161,869) Unchanged	€ 262,876 Balance sheet total 2025: € 262,876 ▲ 156% vs 2024 (€ 102,808) Unchanged	▲ 156%

Key figures of PROMISIA FINANCES, 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 PROMISIA FINANCES?

What happened at PROMISIA FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 4, 2026 New annual accounts for financial year 2025: profit of € 269,526. filed late Source: NBB ↗
2026 CAHAY DENNE stepped down as director. NBB
2026 MARE INVEST stepped down as director. NBB
2026 CAMA HOLDING stepped down as director. NBB
2020 CAHAY DENNE became a director. NBB
2020 CAMA HOLDING became a director. NBB
Jan 1, 2014 New establishment in Spa. KBO
Jan 1, 2014 New establishment in Ferrières. KBO

In short

From € 9,201 loss in 2022 to € 269,526 profit in 2025.

Paid € 11,396 in corporate taxes since 2022.

Best year ever: 2025, with € 269,526 profit.

Original PDFs at the National Bank ↗

Management

MARE INVEST 88.9%

The stake of MARE INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

PROMISIA FINANCES

The shares are held by MARE INVEST (88.9%).

Directors

According to the 2025 annual accounts

CAHAY DENNE

Managing director · represented by Gilles CAHAY

since 2020 · until 2026

MARE INVEST

Managing director · represented by Raymond MARECHAL

Also active at: PROMISIA ASSURANCES

since 2007 · until 2026

CAMA HOLDING

Managing director · represented by Carole MARECHAL

Owns 1.6% via MARE INVEST

since 2020 · until 2026

Shareholders

MARE INVEST · holding of CAMA HOLDING

88.9%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Avenue des Alliés 82a

4960 Malmedy

2.061.956.021

Avenue des Alliés 82A

4960 Malmedy

Active since 29 April 1993

2.242.514.393

Avenue Reine Astrid 168

4900 Spa

Active since 1 January 2014

2.242.514.492

Allée du Cortil Lava 1

4190 Ferrières

Active since 1 January 2014

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

PROMISIA ASSURANCES same network

€ 619,786 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0449.442.768

VAT number

BE 0449.442.768

Registered office

Avenue des Alliés 82a, 4960 Malmedy

Names & denominations

PROMISIA FINANCES

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

17 February 1993

Peppol

Active · Active since 1 Jan 2001

Contact

[email protected]

Activities · NACE

Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen

Ondersteunende activiteiten i.v.m. financiële instellingen, n.e.g.

View on CBE Public ↗ Annual accounts (NBB) ↗

PROMISIA FINANCES

Financials

What happened to PROMISIA FINANCES?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions