Financials
Financial year 2025
G.F. FINANCES from Châtelet, company number BE0454050565, closed financial year 2025 with a result of € -16,127 after tax. For that financial year G.F. FINANCES recorded a gross margin of € 263,506 and equity of € 66,540. Compared with financial year 2024, the result moved from € 11,339 to € -16,127. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 25, 2026.
€ 66,540
▼ 20% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -16,127
▼ still € 11,339 profit in 2024
Profit after tax over the fiscal year.
€ 225,416
▲ € 199,857 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 54,120.
People and assets in 2025
3.2
▼ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 152,473
▼ 4% vs 2024
€ 47,600 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.
€ 9,156
▼ 87% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 866,003
▲ 29% vs 2024
€ 75,207 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.
€ 8,025
▲ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 29,731
▼ 7% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 223,751 | € 276,705 | € 283,107 | € 263,506 | ▼ 7% |
| Profit after taxes | € 7,278 | € 27,306 | € 11,339 | € -16,127 | ▼ € 27,466 |
| Equity | € 204,022 | € 151,328 | € 82,667 | € 66,540 | ▼ 20% |
| Total debts | € 856,103 | € 856,299 | € 792,810 | € 903,758 | ▲ 14% |
| Cash | € 106,480 | € 65,263 | € 25,560 | € 225,416 | ▲ € 199,857 |
| Land & buildings | € 290,275 | € 254,001 | € 217,727 | € 438,454 | ▲ 101% |
| Retained profit | € 191,603 | € 138,909 | € 70,247 | € 54,120 | ▼ 23% |
| Dividend | € 80,000 | € 80,000 | € 80,000 | € 0 | ▼ 100% |
| Bank debt | € 733,754 | € 736,154 | € 673,095 | € 866,003 | ▲ 29% |
| Balance sheet total | € 1,060,125 | € 1,007,627 | € 875,477 | € 970,298 | ▲ 11% |
| Employees (FTE) | 3.6 | 3 | 3.3 | 3.2 | ▼ 0.1 |
Key figures of G.F. 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 G.F. FINANCES?
What happened at G.F. FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 16,127 (▼ € 27,466 vs 2024). Source: NBB ↗
- New establishment in Châtelet. KBO
- New establishment in Jemeppe-sur-Sambre. KBO
- Start of the company according to the CBE. KBO
In short
From € 7,278 profit in 2022 to € 16,127 loss in 2025.
Paid € 44,234 in corporate taxes since 2022.
Best year ever: 2023, with € 27,306 profit.
On average € 82,300 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
The stake of SEMA FINANCES comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
G.F. FINANCESBehind G.F. FINANCES is Sébastien DUTERME. The shares are held by SEMA FINANCES (100%).
Directors
According to the 2025 annual accounts
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue Lloyd Georges 7
6200 Châtelet
Chemin de Velaine 63A
5190 Jemeppe-sur-Sambre
Active since 3 January 1995
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0454.050.565
- VAT number
- BE 0454.050.565
- Registered office
- Rue Lloyd Georges 7, 6200 Châtelet
- Names & denominations
- G.F. FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 December 1994
- Peppol
- Active · Active since 20 Feb 2026
- Contact
- [email protected] 071390616
- Activities · NACE
Agenten en makelaars in bankdiensten