Financials
Financial year 2025
FINALEASE CAR CREDIT from Nivelles, company number BE0453112041, closed financial year 2025 with a result of € 68,429 after tax. For that financial year FINALEASE CAR CREDIT recorded a gross margin of € 201,475 and equity of € 113,011. Compared with financial year 2024, the result moved from € 84,683 to € 68,429. The company is profitable. 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 21, 2026.
€ 113,011
▲ 75% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 68,429
▼ 19% vs 2024
Profit after tax over the fiscal year.
€ 170,383
▲ 57% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 20,000 paid out
29 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 88,767
▲ 6% 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.
€ 7,950
▼ 7% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 27,961
▲ 225% vs 2024
€ 13,734 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 5,945
▼ 75% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 59,781
▲ 175% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 60,582 | € 65,883 | € 191,418 | € 201,475 | ▲ 5% |
| Profit after taxes | € -1,692 | € 11,926 | € 84,683 | € 68,429 | ▼ 19% |
| Equity | € -32,028 | € -20,102 | € 64,581 | € 113,011 | ▲ 75% |
| Total debts | € 20,024 | € 25,919 | € 53,731 | € 93,687 | ▲ 74% |
| Cash | € 85 | € 21,031 | € 108,663 | € 170,383 | ▲ 57% |
| Retained profit | € -38,233 | € -26,307 | € 58,376 | € 106,805 | ▲ 83% |
| Dividend | € 0 | € 0 | € 0 | € 20,000 | |
| Bank debt | € 7,863 | € 0 | € 8,602 | € 27,961 | ▲ 225% |
| Balance sheet total | € 49,189 | € 67,010 | € 179,505 | € 267,891 | ▲ 49% |
Key figures of FINALEASE CAR CREDIT, 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 FINALEASE CAR CREDIT?
What happened at FINALEASE CAR CREDIT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 68,429 (▼ 19% vs 2024). filed late Source: NBB ↗
- New establishment in Nivelles. KBO
- Start of the company according to the CBE. KBO
- ALAIN BERGHAMS became a director. NBB
In short
From € 1,692 loss in 2022 to € 68,429 profit in 2025.
Paid € 57,218 in corporate taxes since 2022.
Best year ever: 2024, with € 84,683 profit.
Paid out € 20,000 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
Behind FINALEASE CAR CREDIT is ALAIN BERGHAMS. ALAIN BERGHAMS is also behind JAMADEOS and Assurfinance.com.
Directors
According to the 2025 annual accounts
since 1994
Establishments
Establishment units
Physical locations of this company
Rue de Mons 3
1400 Nivelles
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.
Details
- Company number
- 0453.112.041
- VAT number
- BE 0453.112.041
- Registered office
- Rue de Mons 3, 1400 Nivelles
- Names & denominations
- FINALEASE CAR CREDIT · CREDIT AUTO - AUTO KREDIET - CAR CREDIT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 July 1994
- Peppol
- Active · Active since 13 Jan 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten