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 44 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
LORRAINE ET GAUME FINANCE from Etalle, company number BE0460604005, closed financial year 2024 with a result of € 576,417 after tax. For that financial year LORRAINE ET GAUME FINANCE recorded a gross margin of € 922,716 and equity of € 52,945. Compared with financial year 2023, the result moved from € 222,404 to € 576,417. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 3, 2025.
€ 52,945
▲ 4% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 576,417
▲ 159% vs 2023
Profit after tax over the fiscal year.
€ 96,820
▼ 27% vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 560,000 paid out
97 % 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 2024
5.7
▼ 0.5 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 298,574
▼ 6% vs 2023
€ 52,400 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.
€ 2,939
▼ 25% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 319,371
▼ 4% vs 2023
€ 43,847 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 18,003
▼ 76% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 46,252
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 626,938 | € 637,527 | € 583,606 | € 922,716 | ▲ 58% |
| Profit after taxes | € 286,661 | € 244,387 | € 222,404 | € 576,417 | ▲ 159% |
| Equity | € 52,103 | € 61,074 | € 50,694 | € 52,945 | ▲ 4% |
| Total debts | € 518,189 | € 583,186 | € 685,908 | € 969,387 | ▲ 41% |
| Cash | € 318,231 | € 198,638 | € 133,082 | € 96,820 | ▼ 27% |
| Land & buildings | - | € 188,100 | € 334,069 | € 330,395 | ▼ 1% |
| Retained profit | € 20,983 | € 29,954 | € 23,294 | € 25,545 | ▲ 10% |
| Dividend | € 286,000 | € 220,000 | € 220,000 | € 560,000 | ▲ 155% |
| Bank debt | € 135,623 | € 260,731 | € 331,218 | € 319,371 | ▼ 4% |
| Balance sheet total | € 570,292 | € 644,259 | € 736,603 | € 1,022,332 | ▲ 39% |
| Employees (FTE) | 6.2 | 6.2 | 6.2 | 5.7 | ▼ 0.5 |
Key figures of LORRAINE ET GAUME FINANCE, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
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:
- New establishment in Arlon. KBO
- New annual accounts for financial year 2024: profit of € 576,417 (▲ 159% vs 2023). Source: NBB ↗
- JFK Finance SRL SRL became a director. NBB
- JK Invest SRL SRL became a director. NBB
- New establishment in Etalle. KBO
- Start of the company according to the CBE. KBO
In short
From € 286,661 profit in 2021 to € 576,417 profit in 2024.
Paid € 33,356 in corporate taxes since 2021.
Best year ever: 2024, with € 576,417 profit.
On average € 161,900 of value added per employee in 2024.
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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 JFK FINANCE, JK INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
LORRAINE ET GAUME FINANCEBehind LORRAINE ET GAUME FINANCE are JFK Finance SRL SRL and JK Invest SRL SRL. The shares are held by JFK FINANCE (50.1%) and JK INVEST (49.8%).
Directors
According to the 2024 annual accounts
Director · represented by Jean-François KAISER
since 2021
Director · represented by Jérome KLEIN
Also active at: ARDENNE ET GAUME ASSURANCES, K INVESTMENTS
since 2021
Shareholders
50.1%
49.8%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Lenclos 74 A
6740 Etalle
Lenclos 74B
6740 Etalle
Active since 17 September 1997
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 →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