What is the address of W&E Finance?

The registered office of W&E Finance is located at Aarschotsesteenweg 554, 3012 Leuven.

Is W&E Finance still active?

Yes. According to the CBE (30 October 2026) W&E Finance is active, legal situation “Normale toestand”, started on 25 July 2017.

Is W&E Finance registered on Peppol?

Yes, W&E Finance is registered on the Peppol network with ID 0208:0678838068.

What is the enterprise number of W&E Finance?

The enterprise number of W&E Finance is BE0678838068.

When was W&E Finance founded?

W&E Finance was founded on 25 July 2017.

Who are the directors of W&E Finance?

According to the 2025 annual accounts, the directors of W&E Finance are: Wim Ceelen BV, Evert Lissens BV.

Is W&E Finance a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 25 July 2017; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did W&E Finance make in 2025?

W&E Finance recorded a loss after taxes of € 57,758 in financial year 2025.

What is the revenue of W&E Finance?

As a small company, W&E Finance is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 104,562.

How much does an employee at W&E Finance earn?

The average wage cost per full-time employee at W&E Finance was € 67,500 in 2023: staff costs of € 107,954 for 1.6 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does W&E Finance have?

According to the 2025 annual accounts, W&E Finance has 0 full-time equivalents (FTE).

W&E Finance (Private Limited) - Leuven - BE0678838068

Q: What does W&E Finance do?

W&E Finance is filed with the CBE under the catch-all “Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen”. Also registered: insurance broker. Private Limited, started on 25 July 2017, 1 establishment.

Dossier W&E Finance, printed on 30 October 2026 from databakkes.be/en/0678838068/w-e-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.

Negative equity NBB

More debt than assets in 3 of the last 4 fiscal years.
Two loss years in a row NBB

Negative result in 2024 and 2025.
Tight liquidity NBB

Cash and receivables cover 22 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

W&E Finance from Leuven, company number BE0678838068, closed financial year 2025 with a result of € -57,758 after tax. For that financial year W&E Finance recorded a gross margin of € 104,562 and equity of € -542,270. Compared with financial year 2024, the result moved from € -432,070 to € -57,758. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 8, 2026.

What it is worth Caution

€ -542,270

▼ € 57,758 vs 2024

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

Loss Caution

€ -57,758

▲ 87 % less loss than in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 27,305

▼ 5% vs 2024

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

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -562,270.

People and assets in 2025

Full-time equivalents

Average over the fiscal year, from the social balance sheet.

Vehicles and equipment

€ 4,182

▼ 61% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 6 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.

€ 664,257

▼ 19% vs 2024

€ 98,303 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Owed to suppliers

€ 1,534

▼ 33% vs 2024

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

Taxes

€ 1,602

▼ 67% vs 2024

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 585,989 Gross margin 2022: € 585,989 First fiscal year in the series	€ -4,847 Gross margin 2023: € -4,847 ▼ € 590,836 vs 2022 (€ 585,989) Unfavourable step	€ -278,405 Gross margin 2024: € -278,405 ▼ € 273,557 vs 2023 (€ -4,847) Unfavourable step	€ 104,562 Gross margin 2025: € 104,562 ▲ € 382,967 vs 2024 (€ -278,405) Favourable step	▲ € 382,967
Profit after taxes	€ 9,217 Profit after taxes 2022: € 9,217 First fiscal year in the series	€ -251,619 Profit after taxes 2023: € -251,619 ▼ € 260,836 vs 2022 (€ 9,217) Unfavourable step	€ -432,070 Profit after taxes 2024: € -432,070 ▼ € 180,452 vs 2023 (€ -251,619) Unfavourable step	€ -57,758 Profit after taxes 2025: € -57,758 ▲ € 374,312 vs 2024 (€ -432,070) Favourable step	▲ € 374,312
Equity	€ 199,177 Equity 2022: € 199,177 First fiscal year in the series	€ -52,441 Equity 2023: € -52,441 ▼ € 251,619 vs 2022 (€ 199,177) Unfavourable step	€ -484,512 Equity 2024: € -484,512 ▼ € 432,070 vs 2023 (€ -52,441) Unfavourable step	€ -542,270 Equity 2025: € -542,270 ▼ € 57,758 vs 2024 (€ -484,512) Unfavourable step	▼ € 57,758
Total debts	€ 808,628 Total debts 2022: € 808,628 First fiscal year in the series	€ 775,538 Total debts 2023: € 775,538 ▼ 4% vs 2022 (€ 808,628) Favourable step	€ 1,065,465 Total debts 2024: € 1,065,465 ▲ 37% vs 2023 (€ 775,538) Unfavourable step	€ 1,005,842 Total debts 2025: € 1,005,842 ▼ 6% vs 2024 (€ 1,065,465) Favourable step	▼ 6%
Cash	€ 260,540 Cash 2022: € 260,540 First fiscal year in the series	€ 58,942 Cash 2023: € 58,942 ▼ 77% vs 2022 (€ 260,540) Unfavourable step	€ 28,737 Cash 2024: € 28,737 ▼ 51% vs 2023 (€ 58,942) Unfavourable step	€ 27,305 Cash 2025: € 27,305 ▼ 5% vs 2024 (€ 28,737) Unfavourable step	▼ 5%
Retained profit	€ 179,177 Retained profit 2022: € 179,177 First fiscal year in the series	€ -72,441 Retained profit 2023: € -72,441 ▼ € 251,619 vs 2022 (€ 179,177) Unfavourable step	€ -504,512 Retained profit 2024: € -504,512 ▼ € 432,070 vs 2023 (€ -72,441) Unfavourable step	€ -562,270 Retained profit 2025: € -562,270 ▼ € 57,758 vs 2024 (€ -504,512) Unfavourable step	▼ € 57,758
Bank debt	€ 795,867 Bank debt 2022: € 795,867 First fiscal year in the series	€ 771,441 Bank debt 2023: € 771,441 ▼ 3% vs 2022 (€ 795,867) Favourable step	€ 817,484 Bank debt 2024: € 817,484 ▲ 6% vs 2023 (€ 771,441) Unfavourable step	€ 664,257 Bank debt 2025: € 664,257 ▼ 19% vs 2024 (€ 817,484) Favourable step	▼ 19%
Balance sheet total	€ 1,007,805 Balance sheet total 2022: € 1,007,805 First fiscal year in the series	€ 723,097 Balance sheet total 2023: € 723,097 ▼ 28% vs 2022 (€ 1,007,805) Unchanged	€ 580,954 Balance sheet total 2024: € 580,954 ▼ 20% vs 2023 (€ 723,097) Unchanged	€ 463,572 Balance sheet total 2025: € 463,572 ▼ 20% vs 2024 (€ 580,954) Unchanged	▼ 20%
Employees (FTE)	6.7 Employees (FTE) 2022: 6.7 First fiscal year in the series	1.6 Employees (FTE) 2023: 1.6 ▼ 5.1 vs 2022 (6.7) Unchanged	0 Employees (FTE) 2024: 0 ▼ 1.6 vs 2023 (1.6) Unchanged	0 Employees (FTE) 2025: 0 Unchanged (0) Unchanged

Key figures of W&E 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 W&E Finance?

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

Jun 8, 2026 New annual accounts for financial year 2025: loss of € 57,758. Source: NBB ↗
Jan 1, 2021 New establishment in Leuven. KBO
Jul 25, 2017 Start of the company according to the CBE. KBO

In short

From € 9,217 profit in 2022 to € 57,758 loss in 2025.

Paid € 19,641 in corporate taxes since 2022.

Best year ever: 2022, with € 9,217 profit.

On average € 87,500 of value added per employee in 2022.

Original PDFs at the National Bank ↗

Management

Evert Lissens 50%

WIM CEELEN 50%

The stake of Evert Lissens, WIM CEELEN comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

W&E Finance

Behind W&E Finance are Wim Ceelen BV and Evert Lissens BV. The shares are held by Evert Lissens (50%) and WIM CEELEN (50%).

Directors

According to the 2025 annual accounts

Wim Ceelen BV

Director · represented by Wim Ceelen

Also active at: E&W FINANCE

Evert Lissens BV

Director · represented by Evert Lissens

Also active at: E&W FINANCE

Shareholders

Evert Lissens

50%

WIM CEELEN

50%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Aarschotsesteenweg 554

3012 Leuven

2.312.691.915

Korte Dolagestraat 24

3018 Leuven

Active since 1 January 2021

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 →

W&E FACILITIES

E&W FINANCE same network

€ 84,897 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

0678.838.068

VAT number

BE 0678.838.068

Registered office

Aarschotsesteenweg 554, 3012 Leuven

Names & denominations

W&E Finance

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

25 July 2017

Peppol

Active · Active since 24 Nov 2023

Activities · NACE

Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen

Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg

Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗

W&E Finance

Warning lights

Financials

What happened to W&E Finance?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions