What does W FINANCE do?

W FINANCE is an insurance broker in Gembloux. Private Limited, started on 3 May 1994, 4 establishments.

What is the address of W FINANCE?

The registered office of W FINANCE is located at Chaussée de Tirlemont 210, 5030 Gembloux.

Is W FINANCE still active?

Yes. According to the CBE (30 October 2026) W FINANCE is active, legal situation “Normale toestand”, started on 3 May 1994.

Is W FINANCE registered on Peppol?

Yes, W FINANCE is registered on the Peppol network with ID 0208:0452583390.

What is the enterprise number of W FINANCE?

The enterprise number of W FINANCE is BE0452583390.

When was W FINANCE founded?

W FINANCE was founded on 3 May 1994.

Who are the directors of W FINANCE?

According to the 2025 annual accounts, the directors of W FINANCE are: Thibaud Vandenberghe, Grégory Vandenberghe.

Is W FINANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 3 May 1994; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account; 4 establishments in the CBE.

How much profit did W FINANCE make in 2025?

W FINANCE posted a profit after taxes of € 214,748 in financial year 2025.

What is the revenue of W FINANCE?

As a small company, W FINANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 977,702.

How much does an employee at W FINANCE earn?

The average wage cost per full-time employee at W FINANCE was € 88,500 in 2025: staff costs of € 522,062 for 5.9 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does W FINANCE have?

According to the 2025 annual accounts, W FINANCE has 5.9 full-time equivalents (FTE).

W FINANCE (Private Limited) - Gembloux - BE0452583390

Dossier W FINANCE, printed on 30 October 2026 from databakkes.be/en/0452583390/w-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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 52 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

W FINANCE from Gembloux, company number BE0452583390, closed financial year 2025 with a result of € 214,748 after tax. For that financial year W FINANCE recorded a gross margin of € 977,702 and equity of € 1.1 million. Compared with financial year 2024, the result moved from € 265,511 to € 214,748. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 27, 2026.

What it is worth Growing

€ 1.1 million

▲ 25% vs 2024

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

Profit Healthy

€ 214,748

▼ 19% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 95,717

▼ 40% 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 € 850,770.

People and assets in 2025

Full-time equivalents

5.9

▲ 0.1 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 522,062

▲ 14% vs 2024

€ 88,500 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.

Vehicles and equipment

€ 2,433

▼ 82% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 18 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 2.6 million

▲ 187% vs 2024

€ 144,001 is repaid this year. At this pace the long-term loan is gone in ≈ 18 years.

Owed to suppliers

€ 60,476

▲ 31% vs 2024

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

Wages and social charges

€ 52,281

▲ 1% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 583,329 Gross margin 2022: € 583,329 First fiscal year in the series	€ 849,735 Gross margin 2023: € 849,735 ▲ 46% vs 2022 (€ 583,329) Favourable step	€ 868,890 Gross margin 2024: € 868,890 ▲ 2% vs 2023 (€ 849,735) Favourable step	€ 977,702 Gross margin 2025: € 977,702 ▲ 13% vs 2024 (€ 868,890) Favourable step	▲ 13%
Profit after taxes	€ 78,104 Profit after taxes 2022: € 78,104 First fiscal year in the series	€ 93,670 Profit after taxes 2023: € 93,670 ▲ 20% vs 2022 (€ 78,104) Favourable step	€ 265,511 Profit after taxes 2024: € 265,511 ▲ 183% vs 2023 (€ 93,670) Favourable step	€ 214,748 Profit after taxes 2025: € 214,748 ▼ 19% vs 2024 (€ 265,511) Unfavourable step	▼ 19%
Equity	€ 515,652 Equity 2022: € 515,652 First fiscal year in the series	€ 609,111 Equity 2023: € 609,111 ▲ 18% vs 2022 (€ 515,652) Favourable step	€ 854,622 Equity 2024: € 854,622 ▲ 40% vs 2023 (€ 609,111) Favourable step	€ 1,069,370 Equity 2025: € 1,069,370 ▲ 25% vs 2024 (€ 854,622) Favourable step	▲ 25%
Total debts	€ 714,678 Total debts 2022: € 714,678 First fiscal year in the series	€ 675,228 Total debts 2023: € 675,228 ▼ 6% vs 2022 (€ 714,678) Favourable step	€ 1,057,956 Total debts 2024: € 1,057,956 ▲ 57% vs 2023 (€ 675,228) Unfavourable step	€ 2,765,370 Total debts 2025: € 2,765,370 ▲ 161% vs 2024 (€ 1,057,956) Unfavourable step	▲ 161%
Cash	€ 89,088 Cash 2022: € 89,088 First fiscal year in the series	€ 2,794 Cash 2023: € 2,794 ▼ 97% vs 2022 (€ 89,088) Unfavourable step	€ 159,969 Cash 2024: € 159,969 ▲ € 157,174 vs 2023 (€ 2,794) Favourable step	€ 95,717 Cash 2025: € 95,717 ▼ 40% vs 2024 (€ 159,969) Unfavourable step	▼ 40%
Land & buildings	€ 665,781 Land & buildings 2022: € 665,781 First fiscal year in the series	€ 573,997 Land & buildings 2023: € 573,997 ▼ 14% vs 2022 (€ 665,781) Unchanged	€ 1,498,515 Land & buildings 2024: € 1,498,515 ▲ 161% vs 2023 (€ 573,997) Unchanged	€ 3,070,410 Land & buildings 2025: € 3,070,410 ▲ 105% vs 2024 (€ 1,498,515) Unchanged	▲ 105%
Retained profit	€ 296,842 Retained profit 2022: € 296,842 First fiscal year in the series	€ 390,511 Retained profit 2023: € 390,511 ▲ 32% vs 2022 (€ 296,842) Favourable step	€ 636,022 Retained profit 2024: € 636,022 ▲ 63% vs 2023 (€ 390,511) Favourable step	€ 850,770 Retained profit 2025: € 850,770 ▲ 34% vs 2024 (€ 636,022) Favourable step	▲ 34%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 20,000 Dividend 2024: € 20,000 Unchanged (€ 0) Unchanged	€ 0 Dividend 2025: € 0 ▼ 100% vs 2024 (€ 20,000) Unchanged	▼ 100%
Bank debt	€ 627,918 Bank debt 2022: € 627,918 First fiscal year in the series	€ 552,182 Bank debt 2023: € 552,182 ▼ 12% vs 2022 (€ 627,918) Favourable step	€ 915,718 Bank debt 2024: € 915,718 ▲ 66% vs 2023 (€ 552,182) Unfavourable step	€ 2,626,113 Bank debt 2025: € 2,626,113 ▲ 187% vs 2024 (€ 915,718) Unfavourable step	▲ 187%
Balance sheet total	€ 1,242,346 Balance sheet total 2022: € 1,242,346 First fiscal year in the series	€ 1,294,848 Balance sheet total 2023: € 1,294,848 ▲ 4% vs 2022 (€ 1,242,346) Unchanged	€ 1,921,579 Balance sheet total 2024: € 1,921,579 ▲ 48% vs 2023 (€ 1,294,848) Unchanged	€ 3,842,234 Balance sheet total 2025: € 3,842,234 ▲ 100% vs 2024 (€ 1,921,579) Unchanged	▲ 100%
Employees (FTE)	5 Employees (FTE) 2022: 5 First fiscal year in the series	-	5.8 Employees (FTE) 2024: 5.8 First fiscal year in the series	5.9 Employees (FTE) 2025: 5.9 ▲ 0.1 vs 2024 (5.8) Unchanged	▲ 0.1

Key figures of W FINANCE, 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 W FINANCE?

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

Jul 27, 2026 New annual accounts for financial year 2025: profit of € 214,748 (▼ 19% vs 2024). Source: NBB ↗
Oct 26, 2022 New establishment in Gembloux. KBO
Jun 1, 2015 New establishment in Sambreville. KBO
May 19, 1994 New establishment in Gembloux. KBO
May 19, 1994 New establishment in Gembloux. KBO
May 3, 1994 Start of the company according to the CBE. KBO

In short

From € 78,104 profit in 2022 to € 214,748 profit in 2025.

Paid € 222,772 in corporate taxes since 2022.

Best year ever: 2024, with € 265,511 profit.

On average € 165,700 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Thibaud Vandenberghe Grégory Vandenberghe

W FINANCE

Behind W FINANCE are Thibaud Vandenberghe and Grégory Vandenberghe.

Directors

According to the 2025 annual accounts

Thibaud Vandenberghe

Director

Grégory Vandenberghe

Director

Establishments

Establishment units

Physical locations of this company

Registered office

Chaussée de Tirlemont 210

5030 Gembloux

2.066.840.168

Chaussée de Charleroi 204B box 1

5030 Gembloux

Active since 19 May 1994

2.242.150.347

Place du Centenaire(FAL) 5

5060 Sambreville

Active since 1 June 2015

2.337.287.452

Chaussée de Charleroi 204B box 1

5030 Gembloux

Active since 26 October 2022

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

Details

Company number

0452.583.390

VAT number

BE 0452.583.390

Registered office

Chaussée de Tirlemont 210, 5030 Gembloux

Names & denominations

W FINANCE

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

3 May 1994

Peppol

Active · Active since 24 Nov 2023

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verhuur en lease van andere machines en werktuigen en andere materiële goederen

View on CBE Public ↗ Annual accounts (NBB) ↗

W FINANCE

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Financials

What happened to W FINANCE?

Management

Directors

Establishments

Establishment units

Details

Frequently asked questions