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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Tight liquidity NBB
Cash and receivables cover 10 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Dechamps Financial Consulting from Gent, company number BE0540835079, closed financial year 2025 with a result of € 354,667 after tax. For that financial year Dechamps Financial Consulting recorded a gross margin of € 479,986 and equity of € 283,993. Compared with financial year 2024, the result moved from € 656,615 to € 354,667. The company is profitable. The buffer shrank hard: equity is 56 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 19, 2026.
€ 283,993
▼ 56% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 354,667
▼ 46% vs 2024
Profit after tax over the fiscal year.
€ 31,556
▼ 94% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 714,667 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 280
▼ 99% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 383,906
▼ 14% vs 2024
€ 47,733 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 974
▼ 44% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 358,383 | € 259,729 | € 295,912 | € 479,986 | ▲ 62% |
| Profit after taxes | € 251,543 | € 176,937 | € 656,615 | € 354,667 | ▼ 46% |
| Equity | € 420,741 | € 420,741 | € 643,993 | € 283,993 | ▼ 56% |
| Total debts | € 937,102 | € 829,048 | € 895,342 | € 700,255 | ▼ 22% |
| Cash | € 54,105 | € 77,724 | € 508,750 | € 31,556 | ▼ 94% |
| Land & buildings | € 916,146 | € 937,946 | € 937,946 | € 937,946 | |
| Retained profit | € 402,191 | € 402,191 | € 625,443 | € 265,443 | ▼ 58% |
| Dividend | € 317,995 | € 176,937 | € 433,363 | € 714,667 | ▲ 65% |
| Bank debt | € 587,310 | € 523,644 | € 445,551 | € 383,906 | ▼ 14% |
| Balance sheet total | € 1,357,843 | € 1,249,789 | € 1,539,335 | € 984,248 | ▼ 36% |
Key figures of Dechamps Financial Consulting, 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 Dechamps Financial Consulting?
What happened at Dechamps Financial Consulting in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 354,667 (▼ 46% vs 2024). Source: NBB ↗
- New establishment in Gent. KBO
- Michel Dechamps became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 251,543 profit in 2022 to € 354,667 profit in 2025.
Paid € 315,492 in corporate taxes since 2022.
Best year ever: 2024, with € 656,615 profit.
Paid out € 1.6 million in dividends to the owners in total.
Management
Behind Dechamps Financial Consulting is Michel Dechamps. It owns 50% of FinSoul itself.
Directors
According to the 2025 annual accounts
since 2013
Establishments
Establishment units
Physical locations of this company
Zwembadstraat 4
9032 Gent
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0540.835.079
- VAT number
- BE 0540.835.079
- Registered office
- Zwembadstraat 4, 9032 Gent
- Names & denominations
- Dechamps Financial Consulting · DEFICO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 October 2013
- Peppol
- Active · Active since 22 Jan 2026
- Activities · NACE
Activiteiten van holdings
Holdings