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 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 42 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SAUMAN FINANCE from Sint-Joost-ten-Node, company number BE0479068944, closed financial year 2025 with a result of € 7,868 after tax. For that financial year SAUMAN FINANCE recorded a gross margin of € 138,101 and equity of € -558,898. Compared with financial year 2024, the result moved from € -5,136 to € 7,868. Profitable, and profit is growing. 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 August 31, 2026.
€ -558,898
▲ € 7,868 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,868
▲ still € 5,136 loss in 2024
Profit after tax over the fiscal year.
€ 6,680
▼ 91% 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 € -620,898.
People and assets in 2025
1
Average over the fiscal year, from the social balance sheet.
€ 106,312
▲ 3% vs 2024
€ 106,300 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.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 3,217
▼ 87% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 12,184
▲ 3% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 209,859 | € 167,157 | € 125,218 | € 138,101 | ▲ 10% |
| Profit after taxes | € 26,128 | € 7,354 | € -5,136 | € 7,868 | ▲ € 13,004 |
| Equity | € -568,984 | € -561,630 | € -566,766 | € -558,898 | ▲ € 7,868 |
| Total debts | € 1,150,881 | € 1,255,217 | € 1,244,132 | € 972,009 | ▼ 22% |
| Cash | € 23,853 | € 196,968 | € 77,992 | € 6,680 | ▼ 91% |
| Retained profit | € -630,984 | € -623,630 | € -628,766 | € -620,898 | ▲ € 7,868 |
| Balance sheet total | € 581,898 | € 693,587 | € 677,366 | € 413,111 | ▼ 39% |
| Employees (FTE) | 2.1 | 1.4 | 1 | 1 |
Key figures of SAUMAN 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 SAUMAN FINANCE?
What happened at SAUMAN FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Luc DELEGLISE stepped down as director. NBB
- Xavier BRUNETTI stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 7,868. filed late Source: NBB ↗
- Xavier BRUNETTI became a director. NBB
- Jean-Claude Dekoster stepped down as director. NBB
- Jean-Claude Dekoster became a director. NBB
- New establishment in Mouscron. KBO
- Luc DELEGLISE became a director. NBB
In short
From € 26,128 profit in 2022 to € 7,868 profit in 2025.
Best year ever: 2022, with € 26,128 profit.
On average € 138,100 of value added per employee in 2025.
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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
Directors
According to the 2025 annual accounts
since 2022 · until 2032
since 2024 · until 2025
Xavier BRUNETTI
Director
since 2026 · until 2032
Establishments
Establishment units
Physical locations of this company
Sterrenkundelaan 9
1210 Sint-Joost-ten-Node
Industriëlaan 54-82
7700 Mouscron
Active since 1 September 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0479.068.944
- VAT number
- BE 0479.068.944
- Registered office
- Sterrenkundelaan 9, 1210 Sint-Joost-ten-Node
- Names & denominations
- SAUMAN FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 17 December 2002
- Peppol
- Active · Active since 3 Dec 2025
- Activities · NACE
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