Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 37 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BMW FINANCIAL SERVICES BELGIUM S.A. - N.V. from Bornem, company number BE0451453242, closed financial year 2025 with a result of € 21.1 million after tax. For that financial year BMW FINANCIAL SERVICES BELGIUM S.A. - N.V. recorded revenue of € 443.1 million and equity of € 73.5 million. Compared with financial year 2024, the result moved from € 24.1 million to € 21.1 million. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on May 12, 2026.
€ 73.5 million
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 21.1 million
▼ 12% vs 2024
Profit after tax over the fiscal year.
€ 173,063
▲ 164% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 16.3 million paid out
77 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
258.1
▲ 161 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 23.2 million
▲ 102% vs 2024
€ 89,800 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.
Debts at end 2025
€ 2 billion
▲ 4% vs 2024
€ 538.2 million is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 77.8 million
▲ 46% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 539 days on average.
€ 4.3 million
▲ 94% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 324,993,941 | € 378,781,690 | € 416,392,417 | € 443,133,626 | ▲ 6% |
| Profit after taxes | € 18,877,800 | € 29,208,840 | € 24,073,794 | € 21,108,560 | ▼ 12% |
| Equity | € 64,011,576 | € 69,314,616 | € 68,684,610 | € 73,491,170 | ▲ 7% |
| Total debts | € 2,069,885,137 | € 2,231,928,702 | € 2,222,883,513 | € 2,337,758,264 | ▲ 5% |
| Cash | € 177,873 | € 90,113 | € 65,625 | € 173,063 | ▲ 164% |
| Retained profit | € 60,921,576 | € 66,224,616 | € 65,594,610 | € 70,401,170 | ▲ 7% |
| Dividend | € 13,799,700 | € 23,905,800 | € 24,703,800 | € 16,302,000 | ▼ 34% |
| Bank debt | € 1,848,459,848 | € 1,968,426,094 | € 1,969,654,337 | € 2,044,562,774 | ▲ 4% |
| Balance sheet total | € 2,165,686,397 | € 2,339,147,030 | € 2,319,431,274 | € 2,440,075,525 | ▲ 5% |
| Employees (FTE) | 84.4 | 88.5 | 97.1 | 258.1 | ▲ 161 |
Key figures of BMW FINANCIAL SERVICES BELGIUM S.A. - N.V., 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 BMW FINANCIAL SERVICES BELGIUM S.A. - N.V.?
What happened at BMW FINANCIAL SERVICES BELGIUM S.A. - N.V. in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Tracey Leith stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 21.1 million (▼ 12% vs 2024). Source: NBB ↗
- Michael Schröder stepped down as director. NBB
- Sven Straub stepped down as director. NBB
- New establishment in Aartselaar. KBO
- Tracey Leith became a director. NBB
- Sven Straub became a director. NBB
- Michael Schröder became a director. NBB
In short
From € 18.9 million profit in 2022 to € 21.1 million profit in 2025.
Paid € 35 million in corporate taxes since 2022.
Best year ever: 2023, with € 29.2 million profit.
Paid out € 78.7 million in dividends to the owners in total.
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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 0% of Alphabet Belgium Long Term Rental itself.
Directors
According to the 2025 annual accounts
Michael Schröder
Director
since 2023 · until 2026
Tracey Leith
Managing director
since 2024 · until 2027
Sven Straub
Director
since 2023 · until 2026
Establishments
Establishment units
Physical locations of this company
Lodderstraat(EIK) 16
2880 Bornem
Ingberthoeveweg 6
2630 Aartselaar
Active since 1 September 2025
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
COMBELL-AS, BE
Website info
Features
Security
Details
- Company number
- 0451.453.242
- VAT number
- BE 0451.453.242
- Registered office
- Lodderstraat(EIK) 16, 2880 Bornem
- Names & denominations
- BMW FINANCIAL SERVICES BELGIUM S.A. - N.V.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 December 1993
- Peppol
- Active · Active since 7 Apr 2026
- Contact
- bmwfs.be
- Activities · NACE
Verhuur en lease van personenauto’s en andere lichte motorvoertuigen
Verhuur van auto's
Financiële lease
Financiële leasing
Overige kredietverstrekking n.e.g.
Groothandel in aanhangwagens, opleggers en caravans
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in motorvoertuigen
+3