Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 2 of the last 3 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 24 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Circular Financial Advice from Lint, company number BE0478259389, closed financial year 2025 with a result of € -15,549 after tax. For that financial year Circular Financial Advice recorded a gross margin of € 84,512 and equity of € -13,213. Compared with financial year 2023, the result moved from € 2,730 to € -15,549. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 5, 2026.
€ -13,213
▼ € 15,549 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -15,549
▼ still € 2,730 profit in 2023
Profit after tax over the fiscal year.
€ 4,258
▲ € 3,733 vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -31,813.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 30,453
▲ 172% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 4,378
▲ € 3,960 vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3,000
▼ 93% vs 2023
Loans from banks and other lenders, long and short.
€ 30,129
▲ 16% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 3,243
▼ 12% vs 2023
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2025 | Change 2023 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 42,335 | € 54,998 | € 84,512 | ▲ 54% |
| Profit after taxes | € -10,106 | € 2,730 | € -15,549 | ▼ € 18,278 |
| Equity | € -394 | € 2,335 | € -13,213 | ▼ € 15,549 |
| Total debts | € 119,387 | € 75,673 | € 38,244 | ▼ 49% |
| Cash | € 1,034 | € 525 | € 4,258 | ▲ € 3,733 |
| Land & buildings | € 58,687 | € 41,485 | € 7,671 | ▼ 82% |
| Retained profit | € -18,994 | € -16,265 | € -31,813 | ▼ € 15,549 |
| Bank debt | € 87,943 | € 42,887 | € 3,000 | ▼ 93% |
| Balance sheet total | € 118,993 | € 78,008 | € 25,031 | ▼ 68% |
Key figures of Circular Financial Advice, 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 January 2027.
What happened to Circular Financial Advice?
What happened at Circular Financial Advice in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 15,549 (▼ € 18,278 vs 2023). Source: NBB ↗
- Elisabeth Dolhain stepped down as director. NBB
- New establishment in Lint. KBO
- Dirk Verbruggen became a director. NBB
- Elisabeth Dolhain became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 10,106 loss in 2022 to € 15,549 loss in 2025.
Paid € 2,873 in corporate taxes since 2022.
Best year ever: 2023, with € 2,730 profit.
Management
Behind Circular Financial Advice is Dirk Verbruggen.
Directors
According to the 2025 annual accounts
Dirk Verbruggen
Director
since 2002
Elisabeth Dolhain
Director
since 2002 · until 2025
Establishments
Establishment units
Physical locations of this company
Bethaniëlaan 15
2547 Lint
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0478.259.389
- VAT number
- BE 0478.259.389
- Registered office
- Bethaniëlaan 15, 2547 Lint
- Names & denominations
- Circular Financial Advice · CFA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 September 2002
- Peppol
- Active · Active since 3 Dec 2025
- Activities · NACE
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