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.
€ 9,144
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 170,013
▼ 75% vs 2024
Profit after tax over the fiscal year.
€ 188,713
▼ 71% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 170,000 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
11.2
▲ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 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.
€ 138
▼ 33% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 35,664
▲ 10% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 177,044
▲ 24% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,041,471 | € 1,516,878 | € 1,391,023 | € 1,042,837 | ▼ 25% |
| Profit after taxes | € 1,278,448 | € 790,666 | € 673,231 | € 170,013 | ▼ 75% |
| Equity | € 9,034 | € 9,101 | € 9,132 | € 9,144 | |
| Total debts | € 1,562,037 | € 953,123 | € 848,701 | € 382,708 | ▼ 55% |
| Cash | € 1,363,362 | € 752,238 | € 652,350 | € 188,713 | ▼ 71% |
| Retained profit | € 2,834 | € 2,901 | € 2,932 | € 2,944 | |
| Dividend | € 1,278,400 | € 790,600 | € 673,200 | € 170,000 | ▼ 75% |
| Balance sheet total | € 1,571,072 | € 962,223 | € 857,833 | € 391,852 | ▼ 54% |
| Employees (FTE) | 11.8 | 11.6 | 10.6 | 11.2 | ▲ 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:
- New annual accounts for financial year 2025: profit of € 170,013 (▼ 75% vs 2024). Source: NBB ↗
- KnV Consult BV became a director. NBB
- Rue Du Jardin BV became a director. NBB
- Lenzzeno BV became a director. NBB
- Trebor Seam BV became a director. NBB
- New establishment in Zandhoven. KBO
- Sloef VOF became a director. NBB
- 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.
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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 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 FINANCEBehind 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%).
Directors
According to the 2025 annual accounts
Director · represented by Kevin Van Hofstraeten
since 2023
Director · represented by Dave De Decker
since 2023
Director · represented by Kristof Hendrickx
since 2024
Director · represented by Erik Van de Vreugde
since 2008
Director · represented by Maikel Henderyckx
since 2023
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Ramselsesteenweg 60
2230 Herselt
Langestraat 65 box A
2240 Zandhoven
Active since 8 July 2017
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0479.221.768
- VAT number
- BE 0479.221.768
- Registered office
- Ramselsesteenweg 60, 2230 Herselt
- Names & denominations
- E & F FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 January 2003
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
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