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 26 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
MAXEL FINANCE from Jodoigne, company number BE0455927813, closed financial year 2025 with a result of € 133,980 after tax. For that financial year MAXEL FINANCE recorded a gross margin of € 1.1 million and equity of € 68,200. Compared with financial year 2024, the result moved from € 120,979 to € 133,980. Profitable, and profit is growing. The buffer shrank hard: equity is 85 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 17, 2026.
€ 68,200
▼ 85% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 133,980
▲ 11% vs 2024
Profit after tax over the fiscal year.
€ 93,866
▲ 16% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 499,118 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
8.8
▲ 0.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 708,189
▲ 9% vs 2024
€ 80,500 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.
€ 15,987
▼ 42% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 719,377
▼ 5% vs 2024
€ 142,482 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 53,728
▲ 46% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 72,937
▼ 49% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,697,314 | € 1,326,211 | € 983,662 | € 1,071,583 | ▲ 9% |
| Profit after taxes | € 933,675 | € 548,104 | € 120,979 | € 133,980 | ▲ 11% |
| Equity | € 226,187 | € 337,933 | € 445,316 | € 68,200 | ▼ 85% |
| Total debts | € 2,391,063 | € 1,669,840 | € 1,380,045 | € 1,803,730 | ▲ 31% |
| Cash | € 382,521 | € 245,729 | € 80,898 | € 93,866 | ▲ 16% |
| Land & buildings | € 753,616 | € 1,123,714 | € 1,062,814 | € 1,006,496 | ▼ 5% |
| Retained profit | € 164,187 | € 275,933 | € 383,316 | € 6,200 | ▼ 98% |
| Dividend | € 933,667 | € 354,000 | € 0 | € 499,118 | |
| Bank debt | € 943,034 | € 857,501 | € 757,001 | € 719,377 | ▼ 5% |
| Balance sheet total | € 2,617,250 | € 2,007,773 | € 1,825,360 | € 1,871,930 | ▲ 3% |
| Employees (FTE) | 7.7 | 9.3 | 8.1 | 8.8 | ▲ 0.7 |
Key figures of MAXEL FINANCE, 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 MAXEL FINANCE?
What happened at MAXEL FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- CONSUL INVEST & PATRIMOINE stepped down as director. NBB
- MAXEL GROUPE stepped down as director. NBB
- GEOFFROY PETIT stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 133,980 (▲ 11% vs 2024). Source: NBB ↗
- MAXEL GROUPE became a director. NBB
- New establishment in Wavre. KBO
- New establishment in Perwez. KBO
- GEOFFROY PETIT became a director. NBB
In short
From € 933,675 profit in 2022 to € 133,980 profit in 2025.
Paid € 184,389 in corporate taxes since 2022.
Best year ever: 2022, with € 933,675 profit.
On average € 121,800 of value added per employee in 2025.
Management
The stake of MAXEL GROUPE, encephipar, MAXEL ASSURANCE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
MAXEL FINANCEThe shares are held by MAXEL GROUPE (66.6%), encephipar (33.3%) and MAXEL ASSURANCE (33.3%).
Directors
According to the 2025 annual accounts
Managing director · represented by Alain LARIDON
Also active at: MAXEL ASSURANCE, MAXEL GROUPE
since 2021 · until 2027
Managing director · represented by Luc PETIT
Also active at: MAXEL ASSURANCE, Private Finance
since 2023 · until 2027
since 2022 · until 2027
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Chaussée de Charleroi(Jod.) 99 box B
1370 Jodoigne
Chaussée de Charleroi(Jod.) 99 B
1370 Jodoigne
Active since 10 October 1995
Chaussée de Wavre 175
1360 Perwez
Active since 1 January 2022
Place Alphonse Bosch 19
1300 Wavre
Active since 1 January 2023
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
- 0455.927.813
- VAT number
- BE 0455.927.813
- Registered office
- Chaussée de Charleroi(Jod.) 99 bus B, 1370 Jodoigne
- Names & denominations
- MAXEL FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 28 August 1995
- Peppol
- Active · Active since 22 Jan 2026
- Activities · NACE
Agenten en makelaars in bankdiensten
Overige zakelijke dienstverlening, neg