Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 13 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 1.5 to 0.5.
Financials
Financial year 2025
BEL AIR - CREDIT from Mol, company number BE0463755119, closed financial year 2025 with a result of € 24,796 after tax. For that financial year BEL AIR - CREDIT recorded a gross margin of € 258,464 and equity of € 822,674. Compared with financial year 2024, the result moved from € 30,027 to € 24,796. 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 August 25, 2026.
€ 822,674
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 24,796
▼ 17% vs 2024
Profit after tax over the fiscal year.
€ 4,049
▼ 5% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 687,674.
People and assets in 2025
0.5
▼ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 50,959
▼ 36% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 122,948
▼ 26% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 198,960
▼ 41% vs 2024
€ 97,369 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 85,218
▲ 115% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 36,173
▲ 38% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 196,367 | € 281,879 | € 285,143 | € 258,464 | ▼ 9% |
| Profit after taxes | € -41,746 | € 35,784 | € 30,027 | € 24,796 | ▼ 17% |
| Equity | € 732,067 | € 767,851 | € 797,878 | € 822,674 | ▲ 3% |
| Total debts | € 3,183,832 | € 3,182,372 | € 3,179,637 | € 3,141,692 | ▼ 1% |
| Cash | € 4,506 | € 45,465 | € 4,275 | € 4,049 | ▼ 5% |
| Land & buildings | € 1,572,713 | € 1,465,276 | € 1,378,714 | € 1,353,062 | ▼ 2% |
| Retained profit | € 597,067 | € 632,851 | € 662,878 | € 687,674 | ▲ 4% |
| Bank debt | € 527,805 | € 367,744 | € 337,258 | € 198,960 | ▼ 41% |
| Balance sheet total | € 3,915,899 | € 3,950,223 | € 3,977,515 | € 3,964,365 | |
| Employees (FTE) | 1.5 | 1.5 | 1.3 | 0.5 | ▼ 0.8 |
Key figures of BEL AIR - CREDIT, 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 BEL AIR - CREDIT?
What happened at BEL AIR - CREDIT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 24,796 (▼ 17% vs 2024). filed late Source: NBB ↗
- New establishment in Mol. KBO
- Start of the company according to the CBE. KBO
In short
From € 41,746 loss in 2022 to € 24,796 profit in 2025.
Paid € 34,544 in corporate taxes since 2022.
Best year ever: 2023, with € 35,784 profit.
On average € 219,300 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
Behind BEL AIR - CREDIT is Emiel Heylen. It owns 99.9% of Immo Arthemis BV and 99.2% of Cossmo NV itself.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Baron van Eetveldeplein 2/5
2400 Mol
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
- 0463.755.119
- VAT number
- BE 0463.755.119
- Registered office
- Baron van Eetveldeplein 2/5, 2400 Mol
- Names & denominations
- BEL AIR - CREDIT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 July 1998
- Peppol
- Active · Active since 9 Dec 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen