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 64 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
55 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
BE-FIN from Knokke-Heist, company number BE0667860638, closed financial year 2025 with a result of € 43,440 after tax. For that financial year BE-FIN recorded a gross margin of € 234,936 and equity of € 494,034. Compared with financial year 2024, the result moved from € 105,530 to € 43,440. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on April 30, 2026.
€ 494,034
▲ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 43,440
▼ 59% vs 2024
Profit after tax over the fiscal year.
€ 3,076
▼ 34% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 475,434.
People and assets in 2025
€ 52,636
▼ 17% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.7 million
▲ 5% vs 2024
€ 126,077 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.
€ 52,637
▲ € 43,664 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 39,719
▲ 164% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 291,501 | € 98,316 | € 217,095 | € 234,936 | ▲ 8% |
| Profit after taxes | € 313,270 | € 95,316 | € 105,530 | € 43,440 | ▼ 59% |
| Equity | € 319,747 | € 345,063 | € 450,593 | € 494,034 | ▲ 10% |
| Total debts | € 589,014 | € 1,763,117 | € 2,328,787 | € 2,556,861 | ▲ 10% |
| Cash | € 13,816 | € 31,400 | € 4,650 | € 3,076 | ▼ 34% |
| Land & buildings | € 96,483 | € 802,342 | € 1,711,460 | € 1,852,650 | ▲ 8% |
| Retained profit | € 301,147 | € 326,463 | € 431,993 | € 475,434 | ▲ 10% |
| Dividend | € 70,000 | € 70,000 | € 0 | € 0 | |
| Bank debt | € 483,617 | € 1,215,421 | € 1,625,682 | € 1,704,964 | ▲ 5% |
| Balance sheet total | € 908,761 | € 2,108,180 | € 3,302,908 | € 3,569,492 | ▲ 8% |
Key figures of BE-FIN, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to BE-FIN?
What happened at BE-FIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 43,440 (▼ 59% vs 2024). Source: NBB ↗
- Daphor became a director. NBB
- Cedric Biebauw became a director. NBB
- New establishment in Knokke-Heist. KBO
- Start of the company according to the CBE. KBO
In short
From € 313,270 profit in 2022 to € 43,440 profit in 2025.
Paid € 128,710 in corporate taxes since 2022.
Best year ever: 2022, with € 313,270 profit.
Paid out € 140,000 in dividends to the owners in total.
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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 BE-FIN are Daphor and Cedric Biebauw. It owns 100% of Vavedis Belgium, 50% of Bimon, 50% of besox finance, 33.3% of Pacobi and 10% of besox verzekeringen itself.
Directors
According to the 2025 annual accounts
since 2025
since 2021
Establishments
Establishment units
Physical locations of this company
Kalvekeetdijk 179 box 7
8300 Knokke-Heist
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 55 companies are registered at this address.
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What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0667.860.638
- VAT number
- BE 0667.860.638
- Registered office
- Kalvekeetdijk 179 bus 7, 8300 Knokke-Heist
- Names & denominations
- BE-FIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 December 2016
- Peppol
- Active · Active since 19 Nov 2025
- Activities · NACE
Activiteiten van holdings
Holdings