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 26 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
HOLDING MEMO from Zele, company number BE0679617929, closed financial year 2025 with a result of € 78,706 after tax. For that financial year HOLDING MEMO recorded a gross margin of € 109,638 and equity of € 1.7 million. Compared with financial year 2024, the result moved from € 175,832 to € 78,706. 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 July 22, 2026.
€ 1.7 million
▲ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 78,706
▼ 55% vs 2024
Profit after tax over the fiscal year.
€ 26,929
▼ 6% 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 € 1.5 million.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
Debts at end 2025
€ 102,990
▼ 73% vs 2024
Loans from banks and other lenders, long and short.
€ 73,377
▼ 22% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 33,681
▲ € 27,379 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 | € 123,604 | € 173,623 | € 208,077 | € 109,638 | ▼ 47% |
| Profit after taxes | € 62,044 | € 622,612 | € 175,832 | € 78,706 | ▼ 55% |
| Equity | € 910,402 | € 1,533,014 | € 1,608,846 | € 1,687,552 | ▲ 5% |
| Total debts | € 3,928,616 | € 3,590,691 | € 3,508,916 | € 3,857,082 | ▲ 10% |
| Cash | € 26,744 | € 25,496 | € 28,656 | € 26,929 | ▼ 6% |
| Retained profit | € 762,980 | € 1,385,592 | € 1,461,424 | € 1,540,130 | ▲ 5% |
| Dividend | € 0 | € 0 | € 100,000 | € 0 | ▼ 100% |
| Bank debt | € 959,787 | € 671,605 | € 385,286 | € 102,990 | ▼ 73% |
| Balance sheet total | € 4,839,018 | € 5,123,705 | € 5,117,762 | € 5,544,634 | ▲ 8% |
Key figures of HOLDING MEMO, 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 HOLDING MEMO?
What happened at HOLDING MEMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 78,706 (▼ 55% vs 2024). Source: NBB ↗
- Deckerland BV became a director. NBB
- Papilio BV became a director. NBB
- New establishment in Zele. KBO
- Start of the company according to the CBE. KBO
In short
From € 62,044 profit in 2022 to € 78,706 profit in 2025.
Paid € 141,313 in corporate taxes since 2022.
Best year ever: 2023, with € 622,612 profit.
Paid out € 100,000 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
The stake of PAPILIO comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
HOLDING MEMOBehind HOLDING MEMO are Papilio BV and Deckerland BV. The shares are held by PAPILIO (100%). It owns 100% of Offitel and 99.8% of Memo itself.
Directors
According to the 2025 annual accounts
Director · represented by Michael De Decker
Also active at: TELEWACHT, MEMO, UW SECRETARESSE, OFFITEL
since 2021
Director · represented by Christine Vastenavondt
since 2023
Shareholders
100%
Establishments
Establishment units
Physical locations of this company
Lokerenbaan 70
9240 Zele
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0679.617.929
- VAT number
- BE 0679.617.929
- Registered office
- Lokerenbaan 70, 9240 Zele
- Names & denominations
- HOLDING MEMO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 August 2017
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Activiteiten van holdings
Holdings
Activiteiten van hoofdkantoren
Activiteiten van adviesbureaus op het gebied van public relations en communicatie
Adviesbureaus op het gebied van public relations en communicatie