Financials
Financial year 2025
PAO FINANCES from Namur, company number BE0453886457, closed financial year 2025 with a result of € 276,541 after tax. For that financial year PAO FINANCES recorded a gross margin of € 713,610 and equity of € 128,163. Compared with financial year 2024, the result moved from € 332,595 to € 276,541. 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 23, 2026.
€ 128,163
▲ 26% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 276,541
▼ 17% vs 2024
Profit after tax over the fiscal year.
€ 198,185
▲ 8% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 250,000 paid out
90 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
3.8
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 380,676
▲ 7% vs 2024
€ 100,200 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.
€ 30,826
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 100,635
▼ 15% vs 2024
€ 15,261 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 38,156
▲ 19% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 74,770
▲ 3% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 578,087 | € 701,199 | € 756,511 | € 713,610 | ▼ 6% |
| Profit after taxes | € 282,405 | € 297,696 | € 332,595 | € 276,541 | ▼ 17% |
| Equity | € 21,332 | € 69,028 | € 101,623 | € 128,163 | ▲ 26% |
| Total debts | € 760,537 | € 395,982 | € 524,286 | € 463,800 | ▼ 12% |
| Cash | € 494,315 | € 171,907 | € 183,762 | € 198,185 | ▲ 8% |
| Retained profit | € 2,732 | € 50,428 | € 83,023 | € 109,563 | ▲ 32% |
| Dividend | € 632,960 | € 250,000 | € 300,000 | € 250,000 | ▼ 17% |
| Bank debt | € 58,123 | € 33,481 | € 118,899 | € 100,635 | ▼ 15% |
| Balance sheet total | € 781,869 | € 465,010 | € 625,908 | € 591,964 | ▼ 5% |
| Employees (FTE) | 3.1 | 4.1 | 4.2 | 3.8 | ▼ 0.4 |
Key figures of PAO FINANCES, 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 PAO FINANCES?
What happened at PAO 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 € 276,541 (▼ 17% vs 2024). Source: NBB ↗
- New establishment in Namur. KBO
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 282,405 profit in 2022 to € 276,541 profit in 2025.
Paid € 69,575 in corporate taxes since 2022.
Best year ever: 2024, with € 332,595 profit.
On average € 187,800 of value added per employee in 2025.
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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 PAO FINANCES is FCAP INVEST SRL.
Directors
According to the 2025 annual accounts
Director · represented by Alina-Olivia Prunianu
Establishments
Establishment units
Physical locations of this company
Route de Saint-Gérard(WP) 165
5100 Namur
Chaussée de Marche(JB) 346 box A
5100 Namur
Active since 24 January 1995
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0453.886.457
- VAT number
- BE 0453.886.457
- Registered office
- Route de Saint-Gérard(WP) 165, 5100 Namur
- Names & denominations
- PAO FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 November 1994
- Peppol
- Active · Active since 2 Dec 2025
- Activities · NACE
Verstrekken van hypothecair krediet
Overige kredietverstrekking
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars