What does MS Finance do?

MS Finance is filed with the CBE under the catch-all “Agenten en makelaars in bankdiensten”, a code that says little about what the company actually does. Private Limited, started on 30 June 2017, 2 establishments.

What is the address of MS Finance?

The registered office of MS Finance is located at Hofstrasse 47, 4750 Bütgenbach.

Is MS Finance still active?

Yes. According to the CBE (31 October 2026) MS Finance is active, legal situation “Normale toestand”, started on 30 June 2017.

Is MS Finance registered on Peppol?

Yes, MS Finance is registered on the Peppol network with ID 0208:0677775127.

What is the enterprise number of MS Finance?

The enterprise number of MS Finance is BE0677775127.

When was MS Finance founded?

MS Finance was founded on 30 June 2017.

Who are the directors of MS Finance?

According to the 2025 annual accounts, the directors of MS Finance are: Francis MARAITE, Frank SCHRÖDER.

Is MS Finance a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 30 June 2017; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account; 2 establishments in the CBE.

How much profit did MS Finance make in 2025?

MS Finance posted a profit after taxes of € 212,202 in financial year 2025.

What is the revenue of MS Finance?

As a small company, MS Finance is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 643,968.

MS Finance (Private Limited) - Bütgenbach - BE0677775127

Dossier MS Finance, printed on 31 October 2026 from databakkes.be/en/0677775127/ms-finance. 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 19 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

MS Finance from Bütgenbach, company number BE0677775127, closed financial year 2025 with a result of € 212,202 after tax. For that financial year MS Finance recorded a gross margin of € 643,968 and equity of € 507,661. Compared with financial year 2024, the result moved from € 76,678 to € 212,202. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.

What it is worth Healthy

€ 507,661

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

Profit Growing

€ 212,202

▲ 177% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 86,490

▼ 14% vs 2024

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

Where the profit goes Pays out

€ 209,892 paid out

99 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Wage cost

€ 231,696

▲ 4% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 81,438

▼ 26% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 3 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.

€ 129,707

▼ 28% vs 2024

€ 48,698 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 13,327

▼ 9% vs 2024

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

Taxes and wages

€ 65,829

▼ 72% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 273,046 Gross margin 2022: € 273,046 First fiscal year in the series	€ 1,125,229 Gross margin 2023: € 1,125,229 ▲ € 852,183 vs 2022 (€ 273,046) Favourable step	€ 442,251 Gross margin 2024: € 442,251 ▼ 61% vs 2023 (€ 1,125,229) Unfavourable step	€ 643,968 Gross margin 2025: € 643,968 ▲ 46% vs 2024 (€ 442,251) Favourable step	▲ 46%
Profit after taxes	€ -22,503 Profit after taxes 2022: € -22,503 First fiscal year in the series	€ 532,495 Profit after taxes 2023: € 532,495 ▲ € 554,998 vs 2022 (€ -22,503) Favourable step	€ 76,678 Profit after taxes 2024: € 76,678 ▼ 86% vs 2023 (€ 532,495) Unfavourable step	€ 212,202 Profit after taxes 2025: € 212,202 ▲ 177% vs 2024 (€ 76,678) Favourable step	▲ 177%
Equity	€ 102,661 Equity 2022: € 102,661 First fiscal year in the series	€ 507,661 Equity 2023: € 507,661 ▲ € 405,000 vs 2022 (€ 102,661) Favourable step	€ 507,661 Equity 2024: € 507,661 Unchanged (€ 507,661) Unchanged	€ 507,661 Equity 2025: € 507,661 Unchanged (€ 507,661) Unchanged
Total debts	€ 260,589 Total debts 2022: € 260,589 First fiscal year in the series	€ 637,406 Total debts 2023: € 637,406 ▲ 145% vs 2022 (€ 260,589) Unfavourable step	€ 516,098 Total debts 2024: € 516,098 ▼ 19% vs 2023 (€ 637,406) Favourable step	€ 534,492 Total debts 2025: € 534,492 ▲ 4% vs 2024 (€ 516,098) Unfavourable step	▲ 4%
Cash	€ 24,497 Cash 2022: € 24,497 First fiscal year in the series	€ 126,424 Cash 2023: € 126,424 ▲ € 101,927 vs 2022 (€ 24,497) Favourable step	€ 100,342 Cash 2024: € 100,342 ▼ 21% vs 2023 (€ 126,424) Unfavourable step	€ 86,490 Cash 2025: € 86,490 ▼ 14% vs 2024 (€ 100,342) Unfavourable step	▼ 14%
Retained profit	€ 2,661 Retained profit 2022: € 2,661 First fiscal year in the series	€ 405,000 Retained profit 2023: € 405,000 ▲ € 402,339 vs 2022 (€ 2,661) Favourable step	€ 405,000 Retained profit 2024: € 405,000 Unchanged (€ 405,000) Unchanged	€ 405,000 Retained profit 2025: € 405,000 Unchanged (€ 405,000) Unchanged
Dividend	€ 58,683 Dividend 2022: € 58,683 First fiscal year in the series	€ 123,265 Dividend 2023: € 123,265 ▲ 110% vs 2022 (€ 58,683) Unchanged	€ 74,368 Dividend 2024: € 74,368 ▼ 40% vs 2023 (€ 123,265) Unchanged	€ 209,892 Dividend 2025: € 209,892 ▲ 182% vs 2024 (€ 74,368) Unchanged	▲ 182%
Bank debt	€ 123,845 Bank debt 2022: € 123,845 First fiscal year in the series	€ 228,988 Bank debt 2023: € 228,988 ▲ 85% vs 2022 (€ 123,845) Unfavourable step	€ 179,875 Bank debt 2024: € 179,875 ▼ 21% vs 2023 (€ 228,988) Favourable step	€ 129,707 Bank debt 2025: € 129,707 ▼ 28% vs 2024 (€ 179,875) Favourable step	▼ 28%
Balance sheet total	€ 363,250 Balance sheet total 2022: € 363,250 First fiscal year in the series	€ 1,154,067 Balance sheet total 2023: € 1,154,067 ▲ 218% vs 2022 (€ 363,250) Unchanged	€ 1,023,759 Balance sheet total 2024: € 1,023,759 ▼ 11% vs 2023 (€ 1,154,067) Unchanged	€ 1,042,153 Balance sheet total 2025: € 1,042,153 ▲ 2% vs 2024 (€ 1,023,759) Unchanged	▲ 2%

Key figures of MS Finance, 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 MS Finance?

What happened at MS Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jun 30, 2026 New annual accounts for financial year 2025: profit of € 212,202 (▲ 177% vs 2024). Source: NBB ↗
Feb 1, 2023 New establishment in Sankt Vith. KBO
Jul 4, 2017 New establishment in Bütgenbach. KBO
Jun 30, 2017 Start of the company according to the CBE. KBO

In short

From € 22,503 loss in 2022 to € 212,202 profit in 2025.

Paid € 342,392 in corporate taxes since 2022.

Best year ever: 2023, with € 532,495 profit.

Paid out € 466,208 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Francis MARAITE Frank SCHRÖDER

MS Finance

I.F.S.

Behind MS Finance are Francis MARAITE and Frank SCHRÖDER. Frank SCHRÖDER is also behind I.F.S..

Directors

According to the 2025 annual accounts

Francis MARAITE

Director

Frank SCHRÖDER

Director

Also active at: I.F.S.

Establishments

Establishment units

Physical locations of this company

Registered office

Hofstrasse 47

4750 Bütgenbach

2.265.513.786

Büllinger Strasse 6

4750 Bütgenbach

Active since 4 July 2017

2.342.013.827

Hauptstrasse 53-55

4780 Sankt Vith

Active since 1 February 2023

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

I.F.S. same network

€ 27,318 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0677.775.127
VAT number: BE 0677.775.127
Registered office: Hofstrasse 47, 4750 Bütgenbach
Names & denominations: MS Finance
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 30 June 2017
Peppol: Active · Active since 3 Dec 2025
Activities · NACE: Agenten en makelaars in bankdiensten

View on CBE Public ↗ Annual accounts (NBB) ↗