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 14 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINIS TERRAE from Koksijde, company number BE0508821121, closed financial year 2025 with a result of € 95,610 after tax. For that financial year FINIS TERRAE recorded a gross margin of € 340,456 and equity of € 2.5 million. Compared with financial year 2024, the result moved from € -411,288 to € 95,610. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 2.5 million
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 95,610
▲ still € 411,288 loss in 2024
Profit after tax over the fiscal year.
€ 1.1 million
▲ € 887,361 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 € 2.5 million.
People and assets in 2025
€ 57,962
▼ 76% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2 million
▲ 6% vs 2024
Loans from banks and other lenders, long and short.
€ 188,561
▼ 50% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,500
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 400,953 | € -114,025 | € -68,346 | € 340,456 | ▲ € 408,803 |
| Profit after taxes | € 223,191 | € -390,355 | € -411,288 | € 95,610 | ▲ € 506,899 |
| Equity | € 3,192,041 | € 2,801,687 | € 2,390,398 | € 2,486,009 | ▲ 4% |
| Total debts | € 8,196,928 | € 8,110,432 | € 8,685,377 | € 8,536,056 | ▼ 2% |
| Cash | € 807,526 | € 396,043 | € 169,587 | € 1,056,948 | ▲ € 887,361 |
| Land & buildings | € 600,780 | € 558,524 | € 505,869 | € 453,632 | ▼ 10% |
| Retained profit | € 3,173,441 | € 2,783,087 | € 2,371,798 | € 2,467,409 | ▲ 4% |
| Bank debt | € 2,532,471 | € 1,564,312 | € 1,931,620 | € 2,041,604 | ▲ 6% |
| Balance sheet total | € 11,388,970 | € 10,912,119 | € 11,075,775 | € 11,022,065 |
Key figures of FINIS TERRAE, 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 FINIS TERRAE?
What happened at FINIS TERRAE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 95,610. Source: NBB ↗
- Belmont BV became a director. NBB
- Pascal Surmont became a director. NBB
- New establishment in Koksijde. KBO
- Start of the company according to the CBE. KBO
In short
From € 223,191 profit in 2022 to € 95,610 profit in 2025.
Paid € 34,983 in corporate taxes since 2022.
Best year ever: 2022, with € 223,191 profit.
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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
Behind FINIS TERRAE are Belmont BV and Pascal Surmont. Pascal Surmont is also behind BELMONT.
Directors
According to the 2025 annual accounts
Director · represented by Isabelle Verkest
since 2023
since 2023
Establishments
Establishment units
Physical locations of this company
Labeurhoek(Odk) 5
8670 Koksijde
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0508.821.121
- VAT number
- BE 0508.821.121
- Registered office
- Labeurhoek(Odk) 5, 8670 Koksijde
- Names & denominations
- FINIS TERRAE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 January 2013
- Peppol
- Active · Active since 27 Mar 2025
- Activities · NACE
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