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 43 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
34 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
PARTNERS FINANCES from Tournai, company number BE0628480717, closed financial year 2025 with a result of € -146,821 after tax. For that financial year PARTNERS FINANCES recorded a gross margin of € 2 million and equity of € 421,718. Compared with financial year 2024, the result moved from € 38,350 to € -146,821. The company made a loss. The buffer shrank hard: equity is 67 % below last year. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 10, 2026.
€ 421,718
▼ 67% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -146,821
▼ still € 38,350 profit in 2024
Profit after tax over the fiscal year.
€ 187,867
▼ 34% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 171,718.
People and assets in 2025
34.3
▲ 3.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 2.1 million
▲ 2% vs 2024
€ 61,600 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 15,277
▼ 9% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 162,301
Supplier invoices still open on the last day of the fiscal year.
€ 469,097
▲ 20% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,071,613 | € 1,581,534 | € 2,159,717 | € 2,003,758 | ▼ 7% |
| Profit after taxes | € 656,956 | € 81,730 | € 38,350 | € -146,821 | ▼ € 185,170 |
| Equity | € 1,148,460 | € 1,230,190 | € 1,268,539 | € 421,718 | ▼ 67% |
| Total debts | € 392,356 | € 627,429 | € 555,271 | € 693,421 | ▲ 25% |
| Cash | € 414,326 | € 289,264 | € 286,736 | € 187,867 | ▼ 34% |
| Land & buildings | € 24,810 | € 19,993 | € 15,176 | € 10,359 | ▼ 32% |
| Retained profit | € 898,460 | € 980,190 | € 1,018,539 | € 171,718 | ▼ 83% |
| Dividend | € 0 | € 0 | € 0 | € 700,000 | |
| Balance sheet total | € 1,540,816 | € 1,857,618 | € 1,823,811 | € 1,115,140 | ▼ 39% |
| Employees (FTE) | 26.5 | 30.6 | 30.6 | 34.3 | ▲ 3.7 |
Key figures of PARTNERS 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 PARTNERS FINANCES?
What happened at PARTNERS FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 146,821 (▼ € 185,170 vs 2024). Source: NBB ↗
- Anne-Sophie CRISPYN became a director. NBB
- New establishment in Oudergem. KBO
- New establishment in Namur. KBO
- Sylvain MEHARECHE became a director. NBB
- New establishment in Tournai. KBO
- Start of the company according to the CBE. KBO
In short
From € 656,956 profit in 2022 to € 146,821 loss in 2025.
Paid € 333,774 in corporate taxes since 2022.
Best year ever: 2022, with € 656,956 profit.
On average € 58,400 of value added per employee in 2025.
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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
Behind PARTNERS FINANCES are Anne-Sophie CRISPYN and Sylvain MEHARECHE.
Directors
According to the 2025 annual accounts
Anne-Sophie CRISPYN
Director
since 2025
Sylvain MEHARECHE
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Rue du Follet(K) 10
7540 Tournai
Nouvelle Route de Suarlée(RH) 14 box 11
5020 Namur
Active since 3 December 2024
Herrmann-Debrouxlaan 54
1160 Oudergem
Active since 1 January 2025
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 34 companies are registered at this address.
All companies at this address →EMBUILD HAINAUT OCCIDENTAL
ETABLISSEMENTS DEPIERE
€ -2,958 gross margin · 2025
IMMOLITH
€ 1.8 million revenue · 2025
Boudailliez Lefebvre Architectes
€ 41,866 gross margin · 2025
EURO 3
+29 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0628.480.717
- VAT number
- BE 0628.480.717
- Registered office
- Rue du Follet(K) 10, 7540 Tournai
- Names & denominations
- PARTNERS FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 April 2015
- Peppol
- Active · Active since 8 Jan 2026
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars