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 55 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINARDENNE from Daverdisse, company number BE0452443830, closed financial year 2025 with a result of € -3,429 after tax. For that financial year FINARDENNE recorded a gross margin of € 302,371 and equity of € 185,737. Compared with financial year 2024, the result moved from € 45,530 to € -3,429. The company made a loss. 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 December 18, 2025.
€ 185,737
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,429
▼ still € 45,530 profit in 2024
Profit after tax over the fiscal year.
€ 138,076
▲ 24% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 172,103.
People and assets in 2025
€ 19,852
▲ 162% 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.
€ 57,819
▲ € 51,806 vs 2024
Of which on lease € 52,181.
Debts at end 2025
€ 1.8 million
▼ 4% vs 2024
€ 141,868 is repaid this year. At this pace the long-term loan is gone in ≈ 13 years.
€ 69,918
▲ 66% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,585
▲ 70% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -11,855 | € 262,965 | € 258,860 | € 302,371 | ▲ 17% |
| Profit after taxes | € -213,351 | € -113,627 | € 45,530 | € -3,429 | ▼ € 48,959 |
| Equity | € 257,264 | € 143,636 | € 189,166 | € 185,737 | ▼ 2% |
| Total debts | € 3,120,597 | € 3,013,969 | € 2,841,953 | € 2,883,160 | ▲ 1% |
| Cash | € 42,132 | € 43,996 | € 110,908 | € 138,076 | ▲ 24% |
| Land & buildings | € 3,126,321 | € 2,955,861 | € 2,588,436 | € 2,439,170 | ▼ 6% |
| Retained profit | € 243,630 | € 130,002 | € 175,532 | € 172,103 | ▼ 2% |
| Bank debt | € 2,282,121 | € 2,207,239 | € 1,922,093 | € 1,844,815 | ▼ 4% |
| Balance sheet total | € 3,401,816 | € 3,179,674 | € 3,051,411 | € 3,087,429 | ▲ 1% |
| Employees (FTE) | 0.2 | - | - | - |
Key figures of FINARDENNE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to FINARDENNE?
What happened at FINARDENNE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 3,429 (▼ € 48,959 vs 2024). Source: NBB ↗
- New establishment in Daverdisse. KBO
- Start of the company according to the CBE. KBO
In short
From € 213,351 loss in 2022 to € 3,429 loss in 2025.
Paid € 3,984 in corporate taxes since 2022.
Best year ever: 2024, with € 45,530 profit.
Management
Behind FINARDENNE is Marielle CAPELLEMAN. Marielle CAPELLEMAN is also behind Pouvoir organisateur libre du Centre-Ardenne.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Rue de la Culée, Gembes 18
6929 Daverdisse
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0452.443.830
- VAT number
- BE 0452.443.830
- Registered office
- Rue de la Culée, Gembes 18, 6929 Daverdisse
- Names & denominations
- FINARDENNE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 March 1994
- Peppol
- Active · Active since 5 Dec 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Gites, vakantiewoningen en -appartementen