What does A&B FINANCIAL do?

A&B FINANCIAL is an accounting firm in Genk. Private Limited, started on 7 January 2016, 1 establishment.

What is the address of A&B FINANCIAL?

The registered office of A&B FINANCIAL is located at Jaarbeurslaan 21 box 41, 3600 Genk.

Is A&B FINANCIAL still active?

Yes. According to the CBE (29 September 2026) A&B FINANCIAL is active, legal situation “Normale toestand”, started on 7 January 2016.

Is A&B FINANCIAL registered on Peppol?

Yes, A&B FINANCIAL is registered on the Peppol network with ID 0208:0645711479.

What is the enterprise number of A&B FINANCIAL?

The enterprise number of A&B FINANCIAL is BE0645711479.

When was A&B FINANCIAL founded?

A&B FINANCIAL was founded on 7 January 2016.

Who are the directors of A&B FINANCIAL?

According to the 2025 annual accounts, the directors of A&B FINANCIAL are: Vanstipelen, Neuen - A&B BV, BM-A BV, Swot-Consult BV, Joost Deldycke, Werner Vanstipelen, Gerolf Tournicourt, Peggy Neuen.

Is A&B FINANCIAL a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 7 January 2016; 5 annual accounts filed, latest fiscal year 2025; 7 directors known from the annual account.

How much profit did A&B FINANCIAL make in 2025?

A&B FINANCIAL posted a profit after taxes of € 775,137 in financial year 2025.

What is the revenue of A&B FINANCIAL?

As a small company, A&B FINANCIAL is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 584,268.

A&B FINANCIAL (Private Limited) - Genk - BE0645711479

Dossier A&B FINANCIAL, printed on 29 September 2026 from databakkes.be/en/0645711479/a-b-financial. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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 10 % of short-term debt in 2025; threshold 65 %.
Board fully replaced NBB

No director from three years ago is still active according to annual account 2025.
Busy address KBO

17 other companies have their registered office at the same address; threshold 10.

Financials

Financial year 2025

A&B FINANCIAL from Genk, company number BE0645711479, closed financial year 2025 with a result of € 775,137 after tax. For that financial year A&B FINANCIAL recorded a gross margin of € 584,268 and equity of € 1.7 million. Compared with financial year 2024, the result moved from € 67,571 to € 775,137. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.

What it is worth Growing

€ 1.7 million

▲ 26% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 775,137

▲ € 707,565 vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 69,187

▼ 93% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 158,500 paid out

20 % of the profit went to the shareholders, the rest stayed in the company.

Debts at end 2025

Bank debt ≈ 8 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 1.8 million

▲ 150% vs 2024

€ 207,523 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.

Owed to suppliers

€ 458

▼ 95% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes

€ 18,816

▲ 87% vs 2024

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

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Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 52,428 Gross margin 2022: € 52,428 First fiscal year in the series	€ 86,653 Gross margin 2023: € 86,653 ▲ 65% vs 2022 (€ 52,428) Favourable step	€ 122,161 Gross margin 2024: € 122,161 ▲ 41% vs 2023 (€ 86,653) Favourable step	€ 584,268 Gross margin 2025: € 584,268 ▲ € 462,107 vs 2024 (€ 122,161) Favourable step	▲ € 462,107
Profit after taxes	€ 36,536 Profit after taxes 2022: € 36,536 First fiscal year in the series	€ -55,579 Profit after taxes 2023: € -55,579 ▼ € 92,115 vs 2022 (€ 36,536) Unfavourable step	€ 67,571 Profit after taxes 2024: € 67,571 ▲ € 123,151 vs 2023 (€ -55,579) Favourable step	€ 775,137 Profit after taxes 2025: € 775,137 ▲ € 707,565 vs 2024 (€ 67,571) Favourable step	▲ € 707,565
Equity	€ 1,312,069 Equity 2022: € 1,312,069 First fiscal year in the series	€ 1,256,490 Equity 2023: € 1,256,490 ▼ 4% vs 2022 (€ 1,312,069) Unfavourable step	€ 1,324,061 Equity 2024: € 1,324,061 ▲ 5% vs 2023 (€ 1,256,490) Favourable step	€ 1,663,177 Equity 2025: € 1,663,177 ▲ 26% vs 2024 (€ 1,324,061) Favourable step	▲ 26%
Total debts	€ 234,559 Total debts 2022: € 234,559 First fiscal year in the series	€ 878,497 Total debts 2023: € 878,497 ▲ 275% vs 2022 (€ 234,559) Unfavourable step	€ 1,797,159 Total debts 2024: € 1,797,159 ▲ 105% vs 2023 (€ 878,497) Unfavourable step	€ 3,358,491 Total debts 2025: € 3,358,491 ▲ 87% vs 2024 (€ 1,797,159) Unfavourable step	▲ 87%
Cash	€ 78,727 Cash 2022: € 78,727 First fiscal year in the series	€ 29,924 Cash 2023: € 29,924 ▼ 62% vs 2022 (€ 78,727) Unfavourable step	€ 1,041,721 Cash 2024: € 1,041,721 ▲ € 1 million vs 2023 (€ 29,924) Favourable step	€ 69,187 Cash 2025: € 69,187 ▼ 93% vs 2024 (€ 1,041,721) Unfavourable step	▼ 93%
Land & buildings	-	€ 771,055 Land & buildings 2023: € 771,055 First fiscal year in the series	€ 741,295 Land & buildings 2024: € 741,295 ▼ 4% vs 2023 (€ 771,055) Unchanged	€ 711,535 Land & buildings 2025: € 711,535 ▼ 4% vs 2024 (€ 741,295) Unchanged	▼ 4%
Retained profit	€ 112,494 Retained profit 2022: € 112,494 First fiscal year in the series	€ 56,915 Retained profit 2023: € 56,915 ▼ 49% vs 2022 (€ 112,494) Unfavourable step	€ 124,486 Retained profit 2024: € 124,486 ▲ 119% vs 2023 (€ 56,915) Favourable step	€ 463,602 Retained profit 2025: € 463,602 ▲ 272% vs 2024 (€ 124,486) Favourable step	▲ 272%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 158,500 Dividend 2025: € 158,500 Unchanged (€ 0) Unchanged
Bank debt	€ 0 Bank debt 2022: € 0 First fiscal year in the series	€ 761,056 Bank debt 2023: € 761,056 Unchanged (€ 0) Unfavourable step	€ 717,393 Bank debt 2024: € 717,393 ▼ 6% vs 2023 (€ 761,056) Favourable step	€ 1,791,495 Bank debt 2025: € 1,791,495 ▲ 150% vs 2024 (€ 717,393) Unfavourable step	▲ 150%
Balance sheet total	€ 1,546,628 Balance sheet total 2022: € 1,546,628 First fiscal year in the series	€ 2,134,987 Balance sheet total 2023: € 2,134,987 ▲ 38% vs 2022 (€ 1,546,628) Unchanged	€ 3,121,220 Balance sheet total 2024: € 3,121,220 ▲ 46% vs 2023 (€ 2,134,987) Unchanged	€ 5,021,668 Balance sheet total 2025: € 5,021,668 ▲ 61% vs 2024 (€ 3,121,220) Unchanged	▲ 61%

Key figures of A&B FINANCIAL, 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 A&B FINANCIAL?

What happened at A&B FINANCIAL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jun 29, 2026 New annual accounts for financial year 2025: profit of € 775,137 (▲ € 707,565 vs 2024). Source: NBB ↗
2026 Vanstipelen, Neuen - A&B BV became a director. NBB
2026 BM-A BV became a director. NBB
2026 Swot-Consult BV became a director. NBB
2026 Joost Deldycke stepped down as director. NBB
2026 Werner Vanstipelen stepped down as director. NBB
2026 Gerolf Tournicourt stepped down as director. NBB
2026 Peggy Neuen stepped down as director. NBB

In short

From € 36,536 profit in 2022 to € 775,137 profit in 2025.

Paid € 137,452 in corporate taxes since 2022.

Best year ever: 2025, with € 775,137 profit.

Paid out € 158,500 in dividends to the owners in total.

Original PDFs at the National Bank ↗

A new publication or filing at A&B FINANCIAL? We notify you, reason included.

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My folder 3 companies

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

Real filings at the National Bank

Management

SWOT - CONSULT 25%

Vanstipelen,Neuen-Accountants en Belastingsconsulenten 13.5%

BM-A 13.5%

BOVIK 10.4%

The stake of SWOT - CONSULT, Vanstipelen,Neuen-Accountants en Belastingsconsulenten, BM-A, BOVIK, FREDERIX FISCAL CONSULTANCY comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

A&B FINANCIAL

A&B KMO-Partners 100%

A&B - Corporate Services 100%

Behind A&B FINANCIAL are Vanstipelen, Neuen - A&B BV, BM-A BV and Swot-Consult BV. The shares are held by SWOT - CONSULT (25%), Vanstipelen,Neuen-Accountants en Belastingsconsulenten (13.5%), BM-A (13.5%), BOVIK (10.4%) and FREDERIX FISCAL CONSULTANCY (1.8%). It owns 100% of A&B KMO-Partners and 100% of A&B - Corporate Services itself.

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