What is the address of TOP FINANCES?

The registered office of TOP FINANCES is located at Kerselarenlaan 169, 1200 Sint-Lambrechts-Woluwe.

Is TOP FINANCES still active?

Yes. According to the CBE (2 November 2026) TOP FINANCES is active, legal situation “Normale toestand”, started on 3 October 1994.

Is TOP FINANCES registered on Peppol?

Yes, TOP FINANCES is registered on the Peppol network with ID 0208:0453513404.

What is the enterprise number of TOP FINANCES?

The enterprise number of TOP FINANCES is BE0453513404.

When was TOP FINANCES founded?

TOP FINANCES was founded on 3 October 1994.

Who are the directors of TOP FINANCES?

According to the 2025 annual accounts, the directors of TOP FINANCES are: Christiane Roberti, Laurent Banneux.

Is TOP FINANCES a reliable company?

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

How much profit did TOP FINANCES make in 2025?

TOP FINANCES posted a profit after taxes of € 32,688 in financial year 2025.

What is the revenue of TOP FINANCES?

As a small company, TOP FINANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 18,920.

TOP FINANCES (Private Limited) - Sint-Lambrechts-Woluwe

Q: What does TOP FINANCES do?

TOP FINANCES is registered with the CBE as active in: Administratieve en ondersteunende activiteiten ten behoeve van kantoren. Private Limited, started on 3 October 1994, 1 establishment.

Dossier TOP FINANCES, printed on 3 November 2026 from databakkes.be/en/0453513404/top-finances. 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 12 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

TOP FINANCES from Sint-Lambrechts-Woluwe, company number BE0453513404, closed financial year 2025 with a result of € 32,688 after tax. For that financial year TOP FINANCES recorded a gross margin of € 18,920 and equity of € 910,941. Compared with financial year 2024, the result moved from € 202,939 to € 32,688. 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 October 30, 2025.

What it is worth Growing

€ 910,941

▲ 4% vs 2024

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

Profit Healthy

€ 32,688

▼ 84% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 9,632

▼ 15% 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 € 902,884.

Debts at end 2025

Bank debt ≈ 2 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.

€ 207,002

▼ 10% vs 2024

€ 50,041 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 147,542

▼ 12% vs 2024

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

Taxes

€ 26,175

▼ 3% 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)
	2021	2022	2024	2025	Change 2024 → 2025
Gross margin	€ 99,157 Gross margin 2021: € 99,157 First fiscal year in the series	€ 38,914 Gross margin 2022: € 38,914 ▼ 61% vs 2021 (€ 99,157) Unfavourable step	€ 41,021 Gross margin 2024: € 41,021 ▲ 5% vs 2022 (€ 38,914) Favourable step	€ 18,920 Gross margin 2025: € 18,920 ▼ 54% vs 2024 (€ 41,021) Unfavourable step	▼ 54%
Profit after taxes	€ 96,411 Profit after taxes 2021: € 96,411 First fiscal year in the series	€ -5,901 Profit after taxes 2022: € -5,901 ▼ € 102,312 vs 2021 (€ 96,411) Unfavourable step	€ 202,939 Profit after taxes 2024: € 202,939 ▲ € 208,840 vs 2022 (€ -5,901) Favourable step	€ 32,688 Profit after taxes 2025: € 32,688 ▼ 84% vs 2024 (€ 202,939) Unfavourable step	▼ 84%
Equity	€ 681,215 Equity 2021: € 681,215 First fiscal year in the series	€ 675,314 Equity 2022: € 675,314 ▼ 1% vs 2021 (€ 681,215) Unfavourable step	€ 878,253 Equity 2024: € 878,253 ▲ 30% vs 2022 (€ 675,314) Favourable step	€ 910,941 Equity 2025: € 910,941 ▲ 4% vs 2024 (€ 878,253) Favourable step	▲ 4%
Total debts	€ 825,241 Total debts 2021: € 825,241 First fiscal year in the series	€ 816,912 Total debts 2022: € 816,912 ▼ 1% vs 2021 (€ 825,241) Favourable step	€ 430,601 Total debts 2024: € 430,601 ▼ 47% vs 2022 (€ 816,912) Favourable step	€ 426,839 Total debts 2025: € 426,839 ▼ 1% vs 2024 (€ 430,601) Favourable step	▼ 1%
Cash	€ 33,960 Cash 2021: € 33,960 First fiscal year in the series	€ 18,727 Cash 2022: € 18,727 ▼ 45% vs 2021 (€ 33,960) Unfavourable step	€ 11,301 Cash 2024: € 11,301 ▼ 40% vs 2022 (€ 18,727) Unfavourable step	€ 9,632 Cash 2025: € 9,632 ▼ 15% vs 2024 (€ 11,301) Unfavourable step	▼ 15%
Land & buildings	€ 867,341 Land & buildings 2021: € 867,341 First fiscal year in the series	€ 833,959 Land & buildings 2022: € 833,959 ▼ 4% vs 2021 (€ 867,341) Unchanged	€ 768,947 Land & buildings 2024: € 768,947 ▼ 8% vs 2022 (€ 833,959) Unchanged	€ 737,331 Land & buildings 2025: € 737,331 ▼ 4% vs 2024 (€ 768,947) Unchanged	▼ 4%
Retained profit	€ 675,018 Retained profit 2021: € 675,018 First fiscal year in the series	€ 669,117 Retained profit 2022: € 669,117 ▼ 1% vs 2021 (€ 675,018) Unfavourable step	€ 870,196 Retained profit 2024: € 870,196 ▲ 30% vs 2022 (€ 669,117) Favourable step	€ 902,884 Retained profit 2025: € 902,884 ▲ 4% vs 2024 (€ 870,196) Favourable step	▲ 4%
Dividend	€ 28,572 Dividend 2021: € 28,572 First fiscal year in the series	€ 0 Dividend 2022: € 0 ▼ 100% vs 2021 (€ 28,572) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2025: € 0 Unchanged (€ 0) Unchanged
Bank debt	€ 394,374 Bank debt 2021: € 394,374 First fiscal year in the series	€ 330,589 Bank debt 2022: € 330,589 ▼ 16% vs 2021 (€ 394,374) Favourable step	€ 230,322 Bank debt 2024: € 230,322 ▼ 30% vs 2022 (€ 330,589) Favourable step	€ 207,002 Bank debt 2025: € 207,002 ▼ 10% vs 2024 (€ 230,322) Favourable step	▼ 10%
Balance sheet total	€ 1,525,206 Balance sheet total 2021: € 1,525,206 First fiscal year in the series	€ 1,510,976 Balance sheet total 2022: € 1,510,976 ▼ 1% vs 2021 (€ 1,525,206) Unchanged	€ 1,398,731 Balance sheet total 2024: € 1,398,731 ▼ 7% vs 2022 (€ 1,510,976) Unchanged	€ 1,427,657 Balance sheet total 2025: € 1,427,657 ▲ 2% vs 2024 (€ 1,398,731) Unchanged	▲ 2%

Key figures of TOP FINANCES, fiscal years 2021 to 2025, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2026 has not been filed yet; it was expected before 31 October 2026.

What happened to TOP FINANCES?

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

Oct 30, 2025 New annual accounts for financial year 2025: profit of € 32,688 (▼ 84% vs 2024). Source: NBB ↗
Dec 6, 1994 New establishment in Sint-Lambrechts-Woluwe. KBO
Oct 3, 1994 Start of the company according to the CBE. KBO

In short

From € 96,411 profit in 2021 to € 32,688 profit in 2025.

Paid € 14,926 in corporate taxes since 2021.

Best year ever: 2024, with € 202,939 profit.

Paid out € 28,572 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Delvaux et Cie 50%

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

TOP FINANCES

Behind TOP FINANCES are Christiane Roberti and Laurent Banneux. The shares are held by Delvaux et Cie (50%).

Directors

According to the 2025 annual accounts

Christiane Roberti

Director

Also active at: DELVAUX CONSEILS

Laurent Banneux

Managing director

Shareholders

Delvaux et Cie

50%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Kerselarenlaan 169

1200 Sint-Lambrechts-Woluwe

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.

All companies at this address →

Delvaux et Cie same network

€ 342,656 gross margin · 2025

CABINET PAJES

CASA IMMO

€ -29,215 gross margin · 2025

DELVAUX CONSEILS same network

€ 117,339 gross margin · 2025

Association des copropriétaires de l'immeuble sis à Woluwe-Saint-Lambert, à l'angle de l'avenue des Cerisiers 169 et l'avenue F. Lambeau 1

+1 more

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

Details

Company number

0453.513.404

VAT number

BE 0453.513.404

Registered office

Kerselarenlaan 169, 1200 Sint-Lambrechts-Woluwe

Names & denominations

TOP FINANCES

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

3 October 1994

Peppol

Active · Active since 29 Dec 2025

Activities · NACE

Administratieve en ondersteunende activiteiten ten behoeve van kantoren

Diverse administratieve activiteiten ten behoeve van kantoren

Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen

View on CBE Public ↗ Annual accounts (NBB) ↗

TOP FINANCES

Warning lights

Financials

What happened to TOP FINANCES?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions