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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
S.L. FINANCE from Pajottegem, company number BE0471943503, closed financial year 2025 with a result of € -6,961 after tax. For that financial year S.L. FINANCE recorded a gross margin of € 14,959 and equity of € 126,420. Compared with financial year 2024, the result moved from € -4,407 to € -6,961. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2025.
€ 126,420
▼ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -6,961
▼ 58 % more loss than in 2024
Profit after tax over the fiscal year.
€ 54,979
▼ 15% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -73,580.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 1,096
▲ 77% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 29,348 | € 10,092 | € 17,635 | € 14,959 | ▼ 15% |
| Profit after taxes | € -1,184 | € -18,637 | € -4,407 | € -6,961 | ▼ € 2,555 |
| Equity | € 156,425 | € 137,788 | € 133,382 | € 126,420 | ▼ 5% |
| Total debts | € 49,139 | € 63,648 | € 58,008 | € 33,484 | ▼ 42% |
| Cash | € 36,160 | € 53,481 | € 65,016 | € 54,979 | ▼ 15% |
| Land & buildings | € 143,047 | € 126,561 | € 110,075 | € 93,589 | ▼ 15% |
| Retained profit | € -43,575 | € -62,212 | € -66,618 | € -73,580 | ▼ € 6,961 |
| Bank debt | € 25,000 | € 25,000 | € 25,000 | € 0 | ▼ 100% |
| Balance sheet total | € 205,565 | € 201,437 | € 191,390 | € 159,904 | ▼ 16% |
Key figures of S.L. 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 30 October 2026.
What happened to S.L. FINANCE?
What happened at S.L. FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 6,961. Source: NBB ↗
- Gisèle VAN SCHEPDAEL became a director. NBB
- New establishment in Pajottegem. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,184 loss in 2022 to € 6,961 loss in 2025.
Paid € 861 in corporate taxes since 2022.
A new publication or filing at S.L. FINANCE? We notify you, reason included.
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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 IMMO VSL INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
S.L. FINANCEBehind S.L. FINANCE is Gisèle VAN SCHEPDAEL. The shares are held by IMMO VSL INVEST (31.2%).
Directors
According to the 2025 annual accounts
since 2020
Shareholders
31.2%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Stiltestraat 8
1540 Pajottegem
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0471.943.503
- VAT number
- BE 0471.943.503
- Registered office
- Stiltestraat 8, 1540 Pajottegem
- Names & denominations
- S.L. FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 May 2000
- Peppol
- Not registered