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 15 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FinArteSS from Scherpenheuvel-Zichem, company number BE0560842221, closed financial year 2025 with a result of € -3,683 after tax. For that financial year FinArteSS recorded a gross margin of € 18,484 and equity of € 65,427. Compared with financial year 2024, the result moved from € 6,332 to € -3,683. 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 July 23, 2026.
€ 65,427
▼ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,683
▼ still € 6,332 profit in 2024
Profit after tax over the fiscal year.
€ 8,025
▼ 41% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 59,227.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 18,360
▼ 7% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 6,333
▼ 75% vs 2024
Loans from banks and other lenders, long and short.
€ 1,064
▼ 81% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,518
▼ 22% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 40,973 | € 30,494 | € 34,036 | € 18,484 | ▼ 46% |
| Profit after taxes | € 14,366 | € 4,262 | € 6,332 | € -3,683 | ▼ € 10,015 |
| Equity | € 58,515 | € 62,778 | € 69,110 | € 65,427 | ▼ 5% |
| Total debts | € 102,016 | € 95,845 | € 79,251 | € 53,055 | ▼ 33% |
| Cash | € 2,842 | € 768 | € 13,582 | € 8,025 | ▼ 41% |
| Land & buildings | € 94,250 | € 84,583 | € 74,917 | € 65,250 | ▼ 13% |
| Retained profit | € 52,315 | € 56,578 | € 62,910 | € 59,227 | ▼ 6% |
| Bank debt | € 63,333 | € 44,333 | € 25,333 | € 6,333 | ▼ 75% |
| Balance sheet total | € 160,531 | € 158,622 | € 148,361 | € 118,481 | ▼ 20% |
Key figures of FinArteSS, 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 FinArteSS?
What happened at FinArteSS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 3,683 (▼ € 10,015 vs 2024). Source: NBB ↗
- New establishment in Scherpenheuvel-Zichem. KBO
- Sandy SCHUER became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 14,366 profit in 2022 to € 3,683 loss in 2025.
Paid € 7,613 in corporate taxes since 2022.
Best year ever: 2022, with € 14,366 profit.
Management
Behind FinArteSS is Sandy SCHUER.
Directors
According to the 2025 annual accounts
Sandy SCHUER
Director
since 2014
Establishments
Establishment units
Physical locations of this company
Zandstraat 83
3271 Scherpenheuvel-Zichem
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0560.842.221
- VAT number
- BE 0560.842.221
- Registered office
- Zandstraat 83, 3271 Scherpenheuvel-Zichem
- Names & denominations
- FinArteSS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 August 2014
- Peppol
- Active · Active since 24 Sept 2025
- Activities · NACE
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