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 47 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ECO FINANCES from Vilvoorde, company number BE0546989829, closed financial year 2025 with a result of € 38,031 after tax. For that financial year ECO FINANCES recorded a gross margin of € 402,960 and equity of € 70,773. Compared with financial year 2024, the result moved from € 38,573 to € 38,031. The company is profitable. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 17, 2026.
€ 70,773
▼ 14% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 38,031
▼ 1% vs 2024
Profit after tax over the fiscal year.
€ 62,201
▲ 24% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 50,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 188,662
▼ 1% 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.
€ 132,025
▼ 18% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 859,221
▼ 7% vs 2024
€ 35,292 is repaid this year. At this pace the long-term loan is gone in ≈ 24 years.
€ 218,565
▲ 89% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 31,699
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 402,674 | € 321,144 | € 339,683 | € 402,960 | ▲ 19% |
| Profit after taxes | € 37,557 | € 41,987 | € 38,573 | € 38,031 | ▼ 1% |
| Equity | € 117,182 | € 44,169 | € 82,742 | € 70,773 | ▼ 14% |
| Total debts | € 1,034,586 | € 1,003,602 | € 1,036,834 | € 1,109,484 | ▲ 7% |
| Cash | € 46,244 | € 46,862 | € 50,168 | € 62,201 | ▲ 24% |
| Land & buildings | € 743,691 | € 743,691 | € 706,691 | € 669,692 | ▼ 5% |
| Retained profit | € 98,582 | € 25,569 | € 64,142 | € 52,173 | ▼ 19% |
| Dividend | € 0 | € 115,000 | € 0 | € 50,000 | |
| Bank debt | € 778,752 | € 726,041 | € 921,167 | € 859,221 | ▼ 7% |
| Balance sheet total | € 1,151,768 | € 1,047,771 | € 1,119,576 | € 1,180,257 | ▲ 5% |
| Employees (FTE) | - | - | 191,122 | - |
Key figures of ECO 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 ECO FINANCES?
What happened at ECO 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 € 38,031 (▼ 1% vs 2024). Source: NBB ↗
- New establishment in Schaarbeek. KBO
- New establishment in Vilvoorde. KBO
- Start of the company according to the CBE. KBO
In short
From € 37,557 profit in 2022 to € 38,031 profit in 2025.
Paid € 291,145 in corporate taxes since 2022.
Best year ever: 2023, with € 41,987 profit.
On average € 0 of value added per employee in 2024.
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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
Establishments
Establishment units
Physical locations of this company
Berkendallaan 46
1800 Vilvoorde
Koninklijke Sinte-Mariastraat 16-18
1030 Schaarbeek
Active since 1 May 2014
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.
Website
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Hosting & Email
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Microsoft 365
Hosting
OVH, FR
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Website info
Features
Security
Details
- Company number
- 0546.989.829
- VAT number
- BE 0546.989.829
- Registered office
- Berkendallaan 46, 1800 Vilvoorde
- Names & denominations
- ECO FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 February 2014
- Peppol
- Active · Active since 13 Jan 2026
- Contact
- ecofinances.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars