Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 5.9 to 5.3.
Financials
Financial year 2025
FINARCHITECTS from Brugge, company number BE0674366566, closed financial year 2025 with a result of € 137,622 after tax. For that financial year FINARCHITECTS recorded a gross margin of € 603,281 and equity of € 37,019. Compared with financial year 2024, the result moved from € 156,840 to € 137,622. The company is profitable. 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 June 15, 2026.
€ 37,019
▲ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 137,622
▼ 12% vs 2024
Profit after tax over the fiscal year.
€ 130,065
▼ 53% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 136,000 paid out
99 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
5.3
▼ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 412,326
▲ 9% vs 2024
€ 77,800 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.
Debts at end 2025
€ 15,165
▼ 43% vs 2024
Loans from banks and other lenders, long and short.
€ 55,607
▼ 76% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 78,657
▲ 51% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 671,485 | € 622,296 | € 609,373 | € 603,281 | ▼ 1% |
| Profit after taxes | € 264,955 | € 162,918 | € 156,840 | € 137,622 | ▼ 12% |
| Equity | € 31,639 | € 34,557 | € 35,397 | € 37,019 | ▲ 5% |
| Total debts | € 461,925 | € 447,189 | € 461,883 | € 335,429 | ▼ 27% |
| Cash | € 202,910 | € 201,622 | € 274,028 | € 130,065 | ▼ 53% |
| Retained profit | € 13,039 | € 15,957 | € 16,797 | € 18,419 | ▲ 10% |
| Dividend | € 260,000 | € 160,000 | € 156,000 | € 136,000 | ▼ 13% |
| Bank debt | € 25,000 | € 23,802 | € 26,552 | € 15,165 | ▼ 43% |
| Balance sheet total | € 493,564 | € 481,746 | € 497,279 | € 372,448 | ▼ 25% |
| Employees (FTE) | 7 | 5.9 | 5.4 | 5.3 | ▼ 0.1 |
Key figures of FINARCHITECTS, 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 FINARCHITECTS?
What happened at FINARCHITECTS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 137,622 (▼ 12% vs 2024). Source: NBB ↗
- Estosan COMM.V became a director. NBB
- Kronos Konsult BV stepped down as director. NBB
- New establishment in Gistel. KBO
- TDB Consult BV became a director. NBB
- Kronos Konsult BV became a director. NBB
- P. Finvest COMM.V became a director. NBB
- Gailliaert Advice COMM.V became a director. NBB
In short
From € 264,955 profit in 2022 to € 137,622 profit in 2025.
Paid € 184,032 in corporate taxes since 2022.
Best year ever: 2022, with € 264,955 profit.
On average € 113,800 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
The stake of Kronos Konsult comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FINARCHITECTSBehind FINARCHITECTS are TDB Consult BV, Estosan COMM.V, P. Finvest COMM.V and Gailliaert Advice COMM.V. The shares are held by Kronos Konsult (25%).
Directors
According to the 2025 annual accounts
Director · represented by Tomas Debevere
since 2020
since 2025
Director · represented by Peter Verstraete
since 2017
Director · represented by Bob Gailliaert
since 2017
Director · represented by Pieter Vermeersch
Also active at: KOYMOS-GESTION, THE MOSH LAB
since 2020 · until 2025
Shareholders
25%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Hilaire De fauwstraat 1
8200 Brugge
Markt 1
8470 Gistel
Active since 6 July 2020
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.
Details
- Company number
- 0674.366.566
- VAT number
- BE 0674.366.566
- Registered office
- Hilaire De fauwstraat 1, 8200 Brugge
- Names & denominations
- FINARCHITECTS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 April 2017
- Peppol
- Active · Active since 12 Jan 2026
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars