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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Busy address KBO
37 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2024
F³ Finance from Antwerpen, company number BE0502790590, closed financial year 2024 with a result of € 189,290 after tax. For that financial year F³ Finance recorded a gross margin of € 965,772 and equity of € 1.5 million. Compared with financial year 2023, the result moved from € 478,502 to € 189,290. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 19, 2025.
€ 1.5 million
▲ 10% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 189,290
▼ 60% vs 2023
Profit after tax over the fiscal year.
€ 1.2 million
▲ € 1.1 million vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 56,000 paid out
30 % of the profit went to the shareholders, mostly to X-PERTISE (100 % of the shares). That is where the money ends up.
People and assets in 2024
4.8
▲ 0.7 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 721,972
▲ 9% vs 2023
€ 150,400 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.
€ 9,249
▲ 217% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 27
Loans from banks and other lenders, long and short.
€ 129,096
▼ 68% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 168,665
▼ 23% vs 2023
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 1,109,893 | € 2,063,846 | € 1,325,534 | € 965,772 | ▼ 27% |
| Profit after taxes | € 349,333 | € 999,887 | € 478,502 | € 189,290 | ▼ 60% |
| Equity | € 8,060 | € 1,010,547 | € 1,391,174 | € 1,524,465 | ▲ 10% |
| Total debts | € 492,268 | € 395,893 | € 878,720 | € 455,784 | ▼ 48% |
| Cash | € 479,627 | € 1,317,609 | € 62,870 | € 1,158,370 | ▲ € 1.1 million |
| Retained profit | € 1,860 | € 991,947 | € 1,141,174 | € 1,274,465 | ▲ 12% |
| Dividend | € 302,157 | € 0 | € 0 | € 56,000 | |
| Bank debt | € 1,360 | € 83 | € 0 | € 27 | |
| Balance sheet total | € 500,328 | € 1,406,440 | € 2,269,894 | € 1,980,249 | ▼ 13% |
| Employees (FTE) | 3.8 | 3.7 | 4.1 | 4.8 | ▲ 0.7 |
Key figures of F³ Finance, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to F³ Finance?
What happened at F³ Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Gwen Maud De Souter stepped down as director. NBB
- Antonius Friling stepped down as director. NBB
- Eric Spaas stepped down as director. NBB
- New annual accounts for financial year 2024: profit of € 189,290 (▼ 60% vs 2023). Source: NBB ↗
- Dieder Van Dooren became a director. NBB
- Gwen Maud De Souter became a director. NBB
- Antonius Friling became a director. NBB
- Eric Spaas became a director. NBB
In short
From € 349,333 profit in 2021 to € 189,290 profit in 2024.
Paid € 733,887 in corporate taxes since 2021.
Best year ever: 2022, with € 999,887 profit.
On average € 201,200 of value added per employee in 2024.
Management
The stake of X-PERTISE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
F³ FinanceBehind F³ Finance is Dieder Van Dooren. The shares are held by X-PERTISE (100%). It owns 0% of F³ Invest PIPE's DBI itself.
Directors
According to the 2024 annual accounts
since 2025
since 2023 · until 2029
Antonius Friling
Director
Also active at: BRALING, F & S, X-PERTISE, PRAXIS, ERANTA, F³ Invest PIPE's DBI, BRALING INTERNATIONAL
since 2023 · until 2029
Eric Spaas
Director
Also active at: BRALING, ERIC SPAAS, F & S, X-PERTISE, PRAXIS, CHIL, F3 Finance PE I, F³ Invest PIPE's DBI +4 more
since 2023 · until 2029
Shareholders
100%
Participations
Establishments
Establishment units
Physical locations of this company
Van Putlei 31
2018 Antwerpen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 37 companies are registered at this address.
All companies at this address →Dr. Pierre van Caillie Foundation - Elisabeth Center
F & S same network
€ 462,635 gross margin · 2025
X-PERTISE same network
€ 12,503 gross margin · 2025
PRAXIS same network
€ 112,368 gross margin · 2025
Gerant same network
€ 46,996 gross margin · 2025
+32 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0502.790.590
- VAT number
- BE 0502.790.590
- Registered office
- Van Putlei 31, 2018 Antwerpen
- Names & denominations
- F³ Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 18 January 2013
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
Vermogensbeheer