What does E & F FINANCE do?

E & F FINANCE is filed with the CBE under the catch-all “Agenten en makelaars in bankdiensten”, a code that says little about what the company actually does. Private Limited, started on 7 January 2003, 2 establishments.

What is the address of E & F FINANCE?

The registered office of E & F FINANCE is located at Ramselsesteenweg 60, 2230 Herselt.

Is E & F FINANCE still active?

Yes. According to the CBE (29 October 2026) E & F FINANCE is active, legal situation “Normale toestand”, started on 7 January 2003.

Is E & F FINANCE registered on Peppol?

Yes, E & F FINANCE is registered on the Peppol network with ID 0208:0479221768.

What is the enterprise number of E & F FINANCE?

The enterprise number of E & F FINANCE is BE0479221768.

When was E & F FINANCE founded?

E & F FINANCE was founded on 7 January 2003.

Who are the directors of E & F FINANCE?

According to the 2025 annual accounts, the directors of E & F FINANCE are: Rue Du Jardin BV, Lenzzeno BV, KnV Consult BV, Sloef VOF, Trebor Seam BV.

Is E & F FINANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 7 January 2003; 4 annual accounts filed, latest fiscal year 2025; 5 directors known from the annual account; 2 establishments in the CBE.

How much profit did E & F FINANCE make in 2025?

E & F FINANCE posted a profit after taxes of € 170,013 in financial year 2025.

What is the revenue of E & F FINANCE?

As a small company, E & F FINANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,042,837.

How much does an employee at E & F FINANCE earn?

The average wage cost per full-time employee at E & F FINANCE was € 77,300 in 2025: staff costs of € 865,215 for 11.2 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does E & F FINANCE have?

According to the 2025 annual accounts, E & F FINANCE has 11.2 full-time equivalents (FTE).

E & F FINANCE (Private Limited) - Herselt - BE0479221768

Dossier E & F FINANCE, printed on 29 October 2026 from databakkes.be/en/0479221768/e-f-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

E & F FINANCE from Herselt, company number BE0479221768, closed financial year 2025 with a result of € 170,013 after tax. For that financial year E & F FINANCE recorded a gross margin of € 1 million and equity of € 9,144. Compared with financial year 2024, the result moved from € 673,231 to € 170,013. The company is profitable. 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 March 24, 2026.

What it is worth Growing

€ 9,144

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 170,013

▼ 75% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 188,713

▼ 71% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 170,000 paid out

100 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

11.2

▲ 0.6 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 865,215

▲ 21% vs 2024

€ 77,300 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.

Vehicles and equipment

€ 138

▼ 33% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 35,664

▲ 10% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 177,044

▲ 24% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 2,041,471 Gross margin 2022: € 2,041,471 First fiscal year in the series	€ 1,516,878 Gross margin 2023: € 1,516,878 ▼ 26% vs 2022 (€ 2,041,471) Unfavourable step	€ 1,391,023 Gross margin 2024: € 1,391,023 ▼ 8% vs 2023 (€ 1,516,878) Unfavourable step	€ 1,042,837 Gross margin 2025: € 1,042,837 ▼ 25% vs 2024 (€ 1,391,023) Unfavourable step	▼ 25%
Profit after taxes	€ 1,278,448 Profit after taxes 2022: € 1,278,448 First fiscal year in the series	€ 790,666 Profit after taxes 2023: € 790,666 ▼ 38% vs 2022 (€ 1,278,448) Unfavourable step	€ 673,231 Profit after taxes 2024: € 673,231 ▼ 15% vs 2023 (€ 790,666) Unfavourable step	€ 170,013 Profit after taxes 2025: € 170,013 ▼ 75% vs 2024 (€ 673,231) Unfavourable step	▼ 75%
Equity	€ 9,034 Equity 2022: € 9,034 First fiscal year in the series	€ 9,101 Equity 2023: € 9,101 ▲ 1% vs 2022 (€ 9,034) Favourable step	€ 9,132 Equity 2024: € 9,132 Unchanged (€ 9,101) Favourable step	€ 9,144 Equity 2025: € 9,144 Unchanged (€ 9,132) Favourable step
Total debts	€ 1,562,037 Total debts 2022: € 1,562,037 First fiscal year in the series	€ 953,123 Total debts 2023: € 953,123 ▼ 39% vs 2022 (€ 1,562,037) Favourable step	€ 848,701 Total debts 2024: € 848,701 ▼ 11% vs 2023 (€ 953,123) Favourable step	€ 382,708 Total debts 2025: € 382,708 ▼ 55% vs 2024 (€ 848,701) Favourable step	▼ 55%
Cash	€ 1,363,362 Cash 2022: € 1,363,362 First fiscal year in the series	€ 752,238 Cash 2023: € 752,238 ▼ 45% vs 2022 (€ 1,363,362) Unfavourable step	€ 652,350 Cash 2024: € 652,350 ▼ 13% vs 2023 (€ 752,238) Unfavourable step	€ 188,713 Cash 2025: € 188,713 ▼ 71% vs 2024 (€ 652,350) Unfavourable step	▼ 71%
Retained profit	€ 2,834 Retained profit 2022: € 2,834 First fiscal year in the series	€ 2,901 Retained profit 2023: € 2,901 ▲ 2% vs 2022 (€ 2,834) Favourable step	€ 2,932 Retained profit 2024: € 2,932 ▲ 1% vs 2023 (€ 2,901) Favourable step	€ 2,944 Retained profit 2025: € 2,944 Unchanged (€ 2,932) Favourable step
Dividend	€ 1,278,400 Dividend 2022: € 1,278,400 First fiscal year in the series	€ 790,600 Dividend 2023: € 790,600 ▼ 38% vs 2022 (€ 1,278,400) Unchanged	€ 673,200 Dividend 2024: € 673,200 ▼ 15% vs 2023 (€ 790,600) Unchanged	€ 170,000 Dividend 2025: € 170,000 ▼ 75% vs 2024 (€ 673,200) Unchanged	▼ 75%
Balance sheet total	€ 1,571,072 Balance sheet total 2022: € 1,571,072 First fiscal year in the series	€ 962,223 Balance sheet total 2023: € 962,223 ▼ 39% vs 2022 (€ 1,571,072) Unchanged	€ 857,833 Balance sheet total 2024: € 857,833 ▼ 11% vs 2023 (€ 962,223) Unchanged	€ 391,852 Balance sheet total 2025: € 391,852 ▼ 54% vs 2024 (€ 857,833) Unchanged	▼ 54%
Employees (FTE)	11.8 Employees (FTE) 2022: 11.8 First fiscal year in the series	11.6 Employees (FTE) 2023: 11.6 ▼ 0.2 vs 2022 (11.8) Unchanged	10.6 Employees (FTE) 2024: 10.6 ▼ 1 vs 2023 (11.6) Unchanged	11.2 Employees (FTE) 2025: 11.2 ▲ 0.6 vs 2024 (10.6) Unchanged	▲ 0.6

Key figures of E & F 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 April 2027.

What happened to E & F FINANCE?

What happened at E & F FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Mar 24, 2026 New annual accounts for financial year 2025: profit of € 170,013 (▼ 75% vs 2024). Source: NBB ↗
2024 KnV Consult BV became a director. NBB
2023 Rue Du Jardin BV became a director. NBB
2023 Lenzzeno BV became a director. NBB
2023 Trebor Seam BV became a director. NBB
Jul 8, 2017 New establishment in Zandhoven. KBO
2008 Sloef VOF became a director. NBB
May 28, 2003 New establishment in Herselt. KBO

In short

From € 1.3 million profit in 2022 to € 170,013 profit in 2025.

Paid € 25,560 in corporate taxes since 2022.

Best year ever: 2022, with € 1.3 million profit.

On average € 93,100 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

LENZZENO 20%

Trebor Seam 20%

KnV Consult 20%

Rue Du Jardin 20%

The stake of LENZZENO, Trebor Seam, KnV Consult, Rue Du Jardin comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

E & F FINANCE

Behind E & F FINANCE are Rue Du Jardin BV, Lenzzeno BV, KnV Consult BV, Sloef VOF and Trebor Seam BV. The shares are held by LENZZENO (20%), Trebor Seam (20%), KnV Consult (20%) and Rue Du Jardin (20%).