What does LORRAINE ET GAUME FINANCE do?

LORRAINE ET GAUME FINANCE is filed with the CBE under the catch-all “Agenten en makelaars in bankdiensten”. Also registered: insurer. Private Limited, started on 5 May 1997, 2 establishments.

What is the address of LORRAINE ET GAUME FINANCE?

The registered office of LORRAINE ET GAUME FINANCE is located at Lenclos 74 A, 6740 Etalle.

Is LORRAINE ET GAUME FINANCE still active?

Yes. According to the CBE (29 October 2026) LORRAINE ET GAUME FINANCE is active, legal situation “Normale toestand”, started on 5 May 1997.

Is LORRAINE ET GAUME FINANCE registered on Peppol?

Yes, LORRAINE ET GAUME FINANCE is registered on the Peppol network with ID 0208:0460604005.

What is the enterprise number of LORRAINE ET GAUME FINANCE?

The enterprise number of LORRAINE ET GAUME FINANCE is BE0460604005.

When was LORRAINE ET GAUME FINANCE founded?

LORRAINE ET GAUME FINANCE was founded on 5 May 1997.

Who are the directors of LORRAINE ET GAUME FINANCE?

According to the 2025 annual accounts, the directors of LORRAINE ET GAUME FINANCE are: OREGAU INVEST SRL, JFK Finance SRL.

Is LORRAINE ET GAUME FINANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 5 May 1997; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account; 2 establishments in the CBE.

How much profit did LORRAINE ET GAUME FINANCE make in 2025?

LORRAINE ET GAUME FINANCE posted a profit after taxes of € 632,563 in financial year 2025.

What is the revenue of LORRAINE ET GAUME FINANCE?

As a small company, LORRAINE ET GAUME FINANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,384,479.

How much does an employee at LORRAINE ET GAUME FINANCE earn?

The average wage cost per full-time employee at LORRAINE ET GAUME FINANCE was € 63,600 in 2025: staff costs of € 604,416 for 9.5 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does LORRAINE ET GAUME FINANCE have?

According to the 2025 annual accounts, LORRAINE ET GAUME FINANCE has 9.5 full-time equivalents (FTE).

LORRAINE ET GAUME FINANCE (Private Limited) - Etalle

Dossier LORRAINE ET GAUME FINANCE, printed on 29 October 2026 from databakkes.be/en/0460604005/lorraine-et-gaume-finance. 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.

Figures corrected NBB

Corrected annual account filed for 2025.
Board fully replaced NBB

No director from three years ago is still active according to annual account 2025.

Financials

Financial year 2025

LORRAINE ET GAUME FINANCE from Etalle, company number BE0460604005, closed financial year 2025 with a result of € 632,563 after tax. For that financial year LORRAINE ET GAUME FINANCE recorded a gross margin of € 1.4 million and equity of € 52,945. Compared with financial year 2024, the result moved from € 576,417 to € 632,563. Profitable, and profit is growing. 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 October 8, 2026.

What it is worth Healthy

€ 52,945

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

Profit Growing

€ 632,563

▲ 10% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 452,471

▲ € 355,651 vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 607,037 paid out

96 % of the profit went to the shareholders, mostly to JFK FINANCE (50 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

9.5

▲ 3.8 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 604,416

▲ 102% vs 2024

€ 63,600 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.

Vehicles and equipment

€ 83,332

▲ € 80,393 vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 7 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.

€ 1.1 million

▲ 246% vs 2024

€ 166,740 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.

Owed to suppliers

€ 78,401

▲ € 60,398 vs 2024

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

Taxes and wages

€ 121,658

▲ 163% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 637,527 Gross margin 2022: € 637,527 First fiscal year in the series	€ 583,606 Gross margin 2023: € 583,606 ▼ 8% vs 2022 (€ 637,527) Unfavourable step	€ 922,716 Gross margin 2024: € 922,716 ▲ 58% vs 2023 (€ 583,606) Favourable step	€ 1,384,479 Gross margin 2025: € 1,384,479 ▲ 50% vs 2024 (€ 922,716) Favourable step	▲ 50%
Profit after taxes	€ 244,387 Profit after taxes 2022: € 244,387 First fiscal year in the series	€ 222,404 Profit after taxes 2023: € 222,404 ▼ 9% vs 2022 (€ 244,387) Unfavourable step	€ 576,417 Profit after taxes 2024: € 576,417 ▲ 159% vs 2023 (€ 222,404) Favourable step	€ 632,563 Profit after taxes 2025: € 632,563 ▲ 10% vs 2024 (€ 576,417) Favourable step	▲ 10%
Equity	€ 61,074 Equity 2022: € 61,074 First fiscal year in the series	€ 50,694 Equity 2023: € 50,694 ▼ 17% vs 2022 (€ 61,074) Unfavourable step	€ 52,945 Equity 2024: € 52,945 ▲ 4% vs 2023 (€ 50,694) Favourable step	€ 52,945 Equity 2025: € 52,945 Unchanged (€ 52,945) Unchanged
Total debts	€ 583,186 Total debts 2022: € 583,186 First fiscal year in the series	€ 685,908 Total debts 2023: € 685,908 ▲ 18% vs 2022 (€ 583,186) Unfavourable step	€ 969,387 Total debts 2024: € 969,387 ▲ 41% vs 2023 (€ 685,908) Unfavourable step	€ 1,942,125 Total debts 2025: € 1,942,125 ▲ 100% vs 2024 (€ 969,387) Unfavourable step	▲ 100%
Cash	€ 198,638 Cash 2022: € 198,638 First fiscal year in the series	€ 133,082 Cash 2023: € 133,082 ▼ 33% vs 2022 (€ 198,638) Unfavourable step	€ 96,820 Cash 2024: € 96,820 ▼ 27% vs 2023 (€ 133,082) Unfavourable step	€ 452,471 Cash 2025: € 452,471 ▲ € 355,651 vs 2024 (€ 96,820) Favourable step	▲ € 355,651
Land & buildings	€ 188,100 Land & buildings 2022: € 188,100 First fiscal year in the series	€ 334,069 Land & buildings 2023: € 334,069 ▲ 78% vs 2022 (€ 188,100) Unchanged	€ 330,395 Land & buildings 2024: € 330,395 ▼ 1% vs 2023 (€ 334,069) Unchanged	€ 326,722 Land & buildings 2025: € 326,722 ▼ 1% vs 2024 (€ 330,395) Unchanged	▼ 1%
Retained profit	€ 29,954 Retained profit 2022: € 29,954 First fiscal year in the series	€ 23,294 Retained profit 2023: € 23,294 ▼ 22% vs 2022 (€ 29,954) Unfavourable step	€ 25,545 Retained profit 2024: € 25,545 ▲ 10% vs 2023 (€ 23,294) Favourable step	€ 25,545 Retained profit 2025: € 25,545 Unchanged (€ 25,545) Unchanged
Dividend	€ 220,000 Dividend 2022: € 220,000 First fiscal year in the series	€ 220,000 Dividend 2023: € 220,000 Unchanged (€ 220,000) Unchanged	€ 560,000 Dividend 2024: € 560,000 ▲ 155% vs 2023 (€ 220,000) Unchanged	€ 607,037 Dividend 2025: € 607,037 ▲ 8% vs 2024 (€ 560,000) Unchanged	▲ 8%
Bank debt	€ 260,731 Bank debt 2022: € 260,731 First fiscal year in the series	€ 331,218 Bank debt 2023: € 331,218 ▲ 27% vs 2022 (€ 260,731) Unfavourable step	€ 319,371 Bank debt 2024: € 319,371 ▼ 4% vs 2023 (€ 331,218) Favourable step	€ 1,103,859 Bank debt 2025: € 1,103,859 ▲ 246% vs 2024 (€ 319,371) Unfavourable step	▲ 246%
Balance sheet total	€ 644,259 Balance sheet total 2022: € 644,259 First fiscal year in the series	€ 736,603 Balance sheet total 2023: € 736,603 ▲ 14% vs 2022 (€ 644,259) Unchanged	€ 1,022,332 Balance sheet total 2024: € 1,022,332 ▲ 39% vs 2023 (€ 736,603) Unchanged	€ 1,995,070 Balance sheet total 2025: € 1,995,070 ▲ 95% vs 2024 (€ 1,022,332) Unchanged	▲ 95%
Employees (FTE)	6.2 Employees (FTE) 2022: 6.2 First fiscal year in the series	6.2 Employees (FTE) 2023: 6.2 Unchanged (6.2) Unchanged	5.7 Employees (FTE) 2024: 5.7 ▼ 0.5 vs 2023 (6.2) Unchanged	9.5 Employees (FTE) 2025: 9.5 ▲ 3.8 vs 2024 (5.7) Unchanged	▲ 3.8

Key figures of LORRAINE ET GAUME 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 LORRAINE ET GAUME FINANCE?

What happened at LORRAINE ET GAUME FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Oct 8, 2026 Corrected annual accounts filed for financial year 2025. filed late Source: NBB ↗
Dec 22, 2025 New establishment in Arlon. KBO
2025 OREGAU INVEST SRL became a director. NBB
2025 JFK Finance SRL stepped down as director. NBB
2021 JFK Finance SRL became a director. NBB
Sep 17, 1997 New establishment in Etalle. KBO
May 5, 1997 Start of the company according to the CBE. KBO

In short

From € 244,387 profit in 2022 to € 632,563 profit in 2025.

Paid € 41,546 in corporate taxes since 2022.

Best year ever: 2025, with € 632,563 profit.

On average € 145,700 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

JFK FINANCE 50.1%

JK INVEST 49.8%

The stake of JFK FINANCE, JK INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

LORRAINE ET GAUME FINANCE

Behind LORRAINE ET GAUME FINANCE is OREGAU INVEST SRL. The shares are held by JFK FINANCE (50.1%) and JK INVEST (49.8%).

Directors

According to the 2025 annual accounts

OREGAU INVEST SRL

Director · represented by Jean-François KAISER

Also active at: ARDENNE ET GAUME ASSURANCES

since 2025

JFK Finance SRL

Director · represented by Jean-François Kaiser

Also active at: ARDENNE ET GAUME ASSURANCES

since 2021 · until 2025

Shareholders

JFK FINANCE

50.1%

JK INVEST

49.8%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Lenclos 74 A

6740 Etalle

2.083.331.851

Lenclos 74B

6740 Etalle

Active since 17 September 1997

2.381.941.797

Avenue de Longwy 343a

6700 Arlon

Active since 22 December 2025

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 →

ARDENNE ET GAUME ASSURANCES same network

€ 574,044 gross margin · 2025

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

Details

Company number

0460.604.005

VAT number

BE 0460.604.005

Registered office

Lenclos 74 A, 6740 Etalle

Names & denominations

LORRAINE ET GAUME FINANCE

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

5 May 1997

Peppol

Active · Active since 13 Dec 2025

Activities · NACE

Agenten en makelaars in bankdiensten

Overige financiële dienstverlening, neg

Activiteiten van pensioenfondsen

View on CBE Public ↗ Annual accounts (NBB) ↗

LORRAINE ET GAUME FINANCE

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Financials

What happened to LORRAINE ET GAUME FINANCE?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions