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 11 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINC from Erpe-Mere, company number BE0535664781, closed financial year 2025 with a result of € 1,369 after tax. For that financial year FINC recorded a gross margin of € 25,064 and equity of € 18,046. Compared with financial year 2024, the result moved from € 32,953 to € 1,369. 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 August 31, 2026.
€ 18,046
▲ 8% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1,369
▼ 96% vs 2024
Profit after tax over the fiscal year.
€ 3,245
▼ 2% 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 € -31,954.
People and assets in 2025
€ 1,711
▲ 23% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 11,200
▲ € 11,139 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 124,635
▼ 1% vs 2024
€ 13,377 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 4,763
▲ € 3,940 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,244
▼ 4% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -9,721 | € 33,928 | € 53,497 | € 25,064 | ▼ 53% |
| Profit after taxes | € -47,777 | € 13,707 | € 32,953 | € 1,369 | ▼ 96% |
| Equity | € -29,983 | € -16,276 | € 16,677 | € 18,046 | ▲ 8% |
| Total debts | € 216,510 | € 188,147 | € 143,720 | € 140,982 | ▼ 2% |
| Cash | € 612 | € 1,800 | € 3,309 | € 3,245 | ▼ 2% |
| Land & buildings | € 166,213 | € 154,395 | € 149,570 | € 136,815 | ▼ 9% |
| Retained profit | € -79,983 | € -66,276 | € -33,323 | € -31,954 | ▲ € 1,369 |
| Bank debt | € 144,137 | € 135,213 | € 126,132 | € 124,635 | ▼ 1% |
| Balance sheet total | € 186,528 | € 171,871 | € 160,397 | € 159,028 | ▼ 1% |
Key figures of FINC, 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 FINC?
What happened at FINC in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1,369 (▼ 96% vs 2024). filed late Source: NBB ↗
- New establishment in Lede. KBO
- Start of the company according to the CBE. KBO
In short
From € 47,777 loss in 2022 to € 1,369 profit in 2025.
Best year ever: 2024, with € 32,953 profit.
Management
Behind FINC are Veronique Ingeborg B Vijverman and Philippe Adams.
Directors
According to the 2025 annual accounts
Veronique Ingeborg B Vijverman
Manager
Philippe Adams
Manager
Establishments
Establishment units
Physical locations of this company
Halfbunder 56
9420 Erpe-Mere
Nonnenbosstraat 7
9340 Lede
Active since 1 May 2022
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0535.664.781
- VAT number
- BE 0535.664.781
- Registered office
- Halfbunder 56, 9420 Erpe-Mere
- Names & denominations
- FINC · Hoop in de Toekomst
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 June 2013
- Peppol
- Active · Active since 8 Jul 2025
- Contact
- [email protected] 0475865677
- Activities · NACE
Cafés en bars
Activiteiten van eetgelegenheden met volledige bediening
Eetgelegenheden met volledige bediening