Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 0 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BUY WAY CONSUMER FINANCE from Brussel, company number BE0544585120, closed financial year 2025 with a result of € -12.2 million after tax. For that financial year BUY WAY CONSUMER FINANCE recorded revenue of € 633,124 and equity of € 25.9 million. Compared with financial year 2024, the result moved from € -12 million to € -12.2 million. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 10, 2026.
€ 25.9 million
▼ 32% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -12.2 million
▼ 2 % more loss than in 2024
Profit after tax over the fiscal year.
€ 3,882
▼ 99% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 20.3 million.
Debts at end 2025
€ 25 million
▲ 61% vs 2024
€ 550,000 is repaid this year. At this pace the long-term loan is gone in ≈ 45 years.
€ 411,545
▲ 21% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 168 days on average.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 406,017 | € 614,851 | € 626,406 | € 633,124 | ▲ 1% |
| Profit after taxes | € -237,213 | € -26,242 | € -11,993,181 | € -12,222,305 | ▼ € 229,124 |
| Equity | € 50,098,858 | € 50,072,616 | € 38,079,435 | € 25,857,130 | ▼ 32% |
| Total debts | € 4,401,977 | € 4,265,006 | € 22,135,090 | € 28,114,045 | ▲ 27% |
| Cash | € 54,852 | € 76,944 | € 589,847 | € 3,882 | ▼ 99% |
| Retained profit | € 44,498,858 | € 44,472,616 | € 32,479,435 | € 20,257,130 | ▼ 38% |
| Bank debt | € 0 | € 0 | € 15,550,000 | € 25,000,000 | ▲ 61% |
| Balance sheet total | € 54,500,835 | € 54,337,622 | € 60,214,525 | € 53,971,175 | ▼ 10% |
Key figures of BUY WAY CONSUMER FINANCE, 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 BUY WAY CONSUMER FINANCE?
What happened at BUY WAY CONSUMER FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 12.2 million. Source: NBB ↗
- Loïc FERY stepped down as director. NBB
- Hubert TISSIER DE MALLERAIS stepped down as director. NBB
- Guillaume LOBJOIE stepped down as director. NBB
- Loïc FERY became a director. NBB
- Hubert TISSIER DE MALLERAIS became a director. NBB
- Guillaume LOBJOIE became a director. NBB
- New establishment in Brussel. KBO
In short
From € 237,213 loss in 2022 to € 12.2 million loss in 2025.
Paid € 5,003 in corporate taxes since 2022.
Pays suppliers within 168 days on average.
A new publication or filing at BUY WAY CONSUMER FINANCE? We notify you, reason included.
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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 shares are held by BW Lux (88.3%) and (membres du personnel) Autres (11.8%). It owns 100% of Buy Way Personal Finance BV and 100% of Buy Way Personal Finance SA itself.
Directors
According to the 2025 annual accounts
Loïc FERY
Chairman of the board
since 2023 · until 2026
Hubert TISSIER DE MALLERAIS
Director
since 2023 · until 2026
since 2023 · until 2026
Shareholders
BW Lux
88.3%
(membres du personnel) Autres
11.8%
Participations
Buy Way Personal Finance BV
100%
Establishments
Establishment units
Physical locations of this company
Boudewijnlaan 29 box 2
1000 Brussel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →Buy Way Personal Finance same network
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FIMASER
BUY WAY SERVICES same network
Ticketmaster Belgium
€ 295.5 million revenue · 2025
BUY WAY VAT GROUP
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Self-hosted
Hosting
F5, FR
Website info
Features
Security
Details
- Company number
- 0544.585.120
- VAT number
- BE 0544.585.120
- Registered office
- Boudewijnlaan 29 bus 2, 1000 Brussel
- Names & denominations
- BUY WAY CONSUMER FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 21 January 2014
- Peppol
- Active · Active since 13 Oct 2025
- Contact
- buyway.be
- Activities · NACE
Activiteiten van holdings
Holdings