Financials
Financial year 2025
SOFTWARE & FINANCIAL ANALYSIS from Liège, company number BE0685434365, closed financial year 2025 with a result of € -21,210 after tax. For that financial year SOFTWARE & FINANCIAL ANALYSIS recorded a gross margin of € 2,089 and equity of € 170,118. Compared with financial year 2024, the result moved from € 65,002 to € -21,210. The company made a loss. 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 January 29, 2026.
€ 170,118
▼ 11% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -21,210
▼ still € 65,002 profit in 2024
Profit after tax over the fiscal year.
€ 48,448
▼ 52% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 163,918.
People and assets in 2025
€ 383
▼ 56% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 105,619
▼ 8% vs 2024
€ 9,899 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.
€ 16,638
▼ 38% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 8,427
▼ 33% 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 | € 58,907 | € 46,271 | € 100,321 | € 2,089 | ▼ 98% |
| Profit after taxes | € 18,048 | € 27,185 | € 65,002 | € -21,210 | ▼ € 86,212 |
| Equity | € 119,141 | € 146,326 | € 191,328 | € 170,118 | ▼ 11% |
| Total debts | € 128,402 | € 129,425 | € 182,472 | € 132,024 | ▼ 28% |
| Cash | € 94,803 | € 113,698 | € 100,702 | € 48,448 | ▼ 52% |
| Land & buildings | € 129,263 | € 123,119 | € 241,197 | € 221,855 | ▼ 8% |
| Retained profit | € 112,941 | € 140,126 | € 185,128 | € 163,918 | ▼ 11% |
| Dividend | € 0 | € 0 | € 20,000 | € 0 | ▼ 100% |
| Bank debt | € 80,000 | € 93,108 | € 115,378 | € 105,619 | ▼ 8% |
| Balance sheet total | € 247,543 | € 275,752 | € 373,800 | € 302,142 | ▼ 19% |
Key figures of SOFTWARE & FINANCIAL ANALYSIS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to SOFTWARE & FINANCIAL ANALYSIS?
What happened at SOFTWARE & FINANCIAL ANALYSIS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 21,210 (▼ € 86,212 vs 2024). Source: NBB ↗
- New establishment in Ukkel. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,048 profit in 2022 to € 21,210 loss in 2025.
Paid € 32,648 in corporate taxes since 2022.
Best year ever: 2024, with € 65,002 profit.
Paid out € 20,000 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
Behind SOFTWARE & FINANCIAL ANALYSIS are Walid CHAIBAN and Francoise Branchereau.
Directors
According to the 2025 annual accounts
Walid CHAIBAN
Manager
Francoise Branchereau
Director
Establishments
Establishment units
Physical locations of this company
Rue du Laveu 2
4000 Liège
Brunardlaan 1
1180 Ukkel
Active since 28 November 2017
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0685.434.365
- VAT number
- BE 0685.434.365
- Registered office
- Rue du Laveu 2, 4000 Liège
- Names & denominations
- SOFTWARE & FINANCIAL ANALYSIS · SFA Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 November 2017
- Peppol
- Active · Active since 17 Dec 2025
- Activities · NACE
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