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 27 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
KOIF from Antwerpen, company number BE0672645807, closed financial year 2025 with a result of € 6,147 after tax. For that financial year KOIF recorded a gross margin of € 422,202 and equity of € 249,219. Compared with financial year 2024, the result moved from € 2,752 to € 6,147. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 24, 2026.
€ 249,219
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 6,147
▲ 123% vs 2024
Profit after tax over the fiscal year.
€ 223,422
▼ 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 € 230,619.
People and assets in 2025
5
▲ 0.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 225,402
▲ 5% vs 2024
€ 45,100 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.
€ 25,577
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.3 million
▼ 5% vs 2024
€ 75,904 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.
€ 2.2 million
▼ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 243,594
▲ 8% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 356,391 | € 354,683 | € 487,368 | € 422,202 | ▼ 13% |
| Profit after taxes | € 94,290 | € 2,798 | € 2,752 | € 6,147 | ▲ 123% |
| Equity | € 337,349 | € 309,345 | € 243,072 | € 249,219 | ▲ 3% |
| Total debts | € 3,545,433 | € 4,004,128 | € 3,898,589 | € 3,889,539 | |
| Cash | € 244,661 | € 313,127 | € 341,087 | € 223,422 | ▼ 34% |
| Land & buildings | € 1,267,784 | € 1,210,354 | € 1,175,604 | € 1,117,250 | ▼ 5% |
| Retained profit | € 318,749 | € 290,745 | € 224,472 | € 230,619 | ▲ 3% |
| Dividend | € 30,000 | € 30,801 | € 69,025 | € 0 | ▼ 100% |
| Bank debt | € 1,298,529 | € 1,430,064 | € 1,387,374 | € 1,314,319 | ▼ 5% |
| Balance sheet total | € 3,882,781 | € 4,313,473 | € 4,141,661 | € 4,138,758 | |
| Employees (FTE) | 3 | 4 | 4.3 | 5 | ▲ 0.7 |
Key figures of KOIF, 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 KOIF?
What happened at KOIF in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 6,147 (▲ 123% vs 2024). Source: NBB ↗
- New establishment in Antwerpen. KBO
- Start of the company according to the CBE. KBO
In short
From € 94,290 profit in 2022 to € 6,147 profit in 2025.
Paid € 46,802 in corporate taxes since 2022.
Best year ever: 2022, with € 94,290 profit.
On average € 84,400 of value added per employee in 2025.
A new publication or filing at KOIF? 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
Management
Behind KOIF are SAMUEL ARIE GUTFREUND and RAPHAEL GUTFREUND. The same people are also behind GUTI TRADING GROUP and Beltrio. RAPHAEL GUTFREUND is also behind ADAR TRADE.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Terbekehofdreef 51-53
2610 Antwerpen
Terbekehofdreef 51-53 box unit 4
2610 Antwerpen
Active since 13 March 2017
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0672.645.807
- VAT number
- BE 0672.645.807
- Registered office
- Terbekehofdreef 51-53, 2610 Antwerpen
- Names & denominations
- KOIF
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 March 2017
- Peppol
- Active · Active since 6 Jan 2026
- Contact
- koif.be
- Activities · NACE
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