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 16 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
S2F FINANCES from Vielsalm, company number BE0661582461, closed financial year 2025 with a result of € 720,121 after tax. For that financial year S2F FINANCES recorded a gross margin of € 2 million and equity of € 35,805. Compared with financial year 2024, the result moved from € 553,281 to € 720,121. Profitable, and profit is growing. 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 April 29, 2026.
€ 35,805
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 720,121
▲ 30% vs 2024
Profit after tax over the fiscal year.
€ 196,660
▼ 17% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 720,121 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
10.5
▲ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 693,229
▲ 25% vs 2024
€ 66,000 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.
€ 23,768
▼ 42% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2 million
▼ 11% vs 2024
€ 340,737 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 40,211
▲ 42% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 290,130
▲ 51% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,277,299 | € 2,542,076 | € 1,701,351 | € 2,041,793 | ▲ 20% |
| Profit after taxes | € 449,572 | € 1,335,811 | € 553,281 | € 720,121 | ▲ 30% |
| Equity | € 37,895 | € 43,705 | € 35,805 | € 35,805 | |
| Total debts | € 1,372,729 | € 3,665,965 | € 3,189,585 | € 3,013,986 | ▼ 6% |
| Cash | € 41,435 | € 282,068 | € 238,163 | € 196,660 | ▼ 17% |
| Land & buildings | € 687 | € 551 | € 414 | € 278 | ▼ 33% |
| Retained profit | € 5,345 | € 11,155 | € 3,255 | € 3,255 | |
| Dividend | € 450,000 | € 1,330,000 | € 561,181 | € 720,121 | ▲ 28% |
| Bank debt | € 707,277 | € 2,546,605 | € 2,242,714 | € 1,991,235 | ▼ 11% |
| Balance sheet total | € 1,410,624 | € 3,709,671 | € 3,225,390 | € 3,049,791 | ▼ 5% |
| Employees (FTE) | 11 | 10.6 | 10.2 | 10.5 | ▲ 0.3 |
Key figures of S2F 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 S2F FINANCES?
What happened at S2F 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 € 720,121 (▲ 30% vs 2024). Source: NBB ↗
- New establishment in Malmedy. KBO
- New establishment in Aywaille. KBO
- New establishment in Spa. KBO
- New establishment in Vielsalm. KBO
- Start of the company according to the CBE. KBO
In short
From € 449,572 profit in 2022 to € 720,121 profit in 2025.
Paid € 1.1 million in corporate taxes since 2022.
Best year ever: 2023, with € 1.3 million profit.
On average € 194,500 of value added per employee in 2025.
A new publication or filing at S2F FINANCES? 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
Establishments
Establishment units
Physical locations of this company
Place de Salm 1/0a
6690 Vielsalm
Place du Monument 1
4900 Spa
Active since 1 December 2017
Place Joseph Thiry 43
4920 Aywaille
Active since 1 February 2018
Place Albert Ier 46
4960 Malmedy
Active since 1 July 2023
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0661.582.461
- VAT number
- BE 0661.582.461
- Registered office
- Place de Salm 1/0a, 6690 Vielsalm
- Names & denominations
- S2F FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 August 2016
- Peppol
- Active · Active since 25 Sept 2025
- Activities · NACE
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