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.
€ 910,941
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 32,688
▼ 84% vs 2024
Profit after tax over the fiscal year.
€ 9,632
▼ 15% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 902,884.
Debts at end 2025
€ 207,002
▼ 10% vs 2024
€ 50,041 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 147,542
▼ 12% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 26,175
▼ 3% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 99,157 | € 38,914 | € 41,021 | € 18,920 | ▼ 54% |
| Profit after taxes | € 96,411 | € -5,901 | € 202,939 | € 32,688 | ▼ 84% |
| Equity | € 681,215 | € 675,314 | € 878,253 | € 910,941 | ▲ 4% |
| Total debts | € 825,241 | € 816,912 | € 430,601 | € 426,839 | ▼ 1% |
| Cash | € 33,960 | € 18,727 | € 11,301 | € 9,632 | ▼ 15% |
| Land & buildings | € 867,341 | € 833,959 | € 768,947 | € 737,331 | ▼ 4% |
| Retained profit | € 675,018 | € 669,117 | € 870,196 | € 902,884 | ▲ 4% |
| Dividend | € 28,572 | € 0 | € 0 | € 0 | |
| Bank debt | € 394,374 | € 330,589 | € 230,322 | € 207,002 | ▼ 10% |
| Balance sheet total | € 1,525,206 | € 1,510,976 | € 1,398,731 | € 1,427,657 | ▲ 2% |
Key figures of TOP FINANCES, fiscal years 2021 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) 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:
- New annual accounts for financial year 2025: profit of € 32,688 (▼ 84% vs 2024). Source: NBB ↗
- New establishment in Sint-Lambrechts-Woluwe. KBO
- 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.
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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
The stake of Delvaux et Cie comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
TOP FINANCESBehind TOP FINANCES are Christiane Roberti and Laurent Banneux. The shares are held by Delvaux et Cie (50%).
Directors
According to the 2025 annual accounts
Laurent Banneux
Managing director
Shareholders
50%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
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