Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 3 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 9.3 to 7.8.
Financials
Financial year 2025
KEYM FINANCES from Watermaal-Bosvoorde, company number BE0502932825, closed financial year 2025 with a result of € 23,324 after tax. For that financial year KEYM FINANCES recorded a gross margin of € 1.1 million and equity of € 52,582. Compared with financial year 2024, the result moved from € -27,888 to € 23,324. Profitable, and profit is growing. 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 April 10, 2026.
€ 52,582
▲ 80% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 23,324
▲ still € 27,888 loss in 2024
Profit after tax over the fiscal year.
€ 2,687
▼ 84% 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 € -31,089.
People and assets in 2025
7.8
▼ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 689,666
▼ 3% vs 2024
€ 88,400 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.
€ 4,896
▼ 6% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 428,972
▼ 45% vs 2024
€ 154,150 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 51,024
▼ 18% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 141,538
▼ 4% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,085,911 | € 1,097,330 | € 1,031,309 | € 1,057,597 | ▲ 3% |
| Profit after taxes | € -149,304 | € 13,123 | € -27,888 | € 23,324 | ▲ € 51,212 |
| Equity | € 44,023 | € 57,145 | € 29,257 | € 52,582 | ▲ 80% |
| Total debts | € 1,628,569 | € 1,373,467 | € 1,151,624 | € 826,113 | ▼ 28% |
| Cash | € 10,826 | € 6,026 | € 16,381 | € 2,687 | ▼ 84% |
| Retained profit | € -46,269 | € -33,147 | € -54,413 | € -31,089 | ▲ € 23,324 |
| Bank debt | € 1,451,244 | € 1,104,678 | € 776,829 | € 428,972 | ▼ 45% |
| Balance sheet total | € 1,672,591 | € 1,430,613 | € 1,180,881 | € 878,695 | ▼ 26% |
| Employees (FTE) | 11.4 | 9.3 | 8.6 | 7.8 | ▼ 0.8 |
Key figures of KEYM FINANCES, 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 KEYM FINANCES?
What happened at KEYM FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 23,324. Source: NBB ↗
- New establishment in Braine-l'Alleud. KBO
- Jimaxco Invest SA became a director. NBB
- New establishment in Watermaal-Bosvoorde. KBO
- Wolubo SRL became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 149,304 loss in 2022 to € 23,324 profit in 2025.
Paid € 13,619 in corporate taxes since 2022.
Best year ever: 2025, with € 23,324 profit.
On average € 135,600 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 WOLUBO, SOLUFIN comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
KEYM FINANCESBehind KEYM FINANCES are Jimaxco Invest SA and Wolubo SRL. The shares are held by WOLUBO (50%) and SOLUFIN (33.3%).
Directors
According to the 2025 annual accounts
Director · represented by HANNOUILLE Luc
since 2016
Director · represented by BOVY Pierre-Yves
since 2013
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Bien-Fairestraat 83
1170 Watermaal-Bosvoorde
Chaussée d'Alsemberg 20
1420 Braine-l'Alleud
Active since 1 September 2018
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0502.932.825
- VAT number
- BE 0502.932.825
- Registered office
- Bien-Fairestraat 83, 1170 Watermaal-Bosvoorde
- Names & denominations
- KEYM FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 31 January 2013
- Peppol
- Active · Active since 15 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars