Financials
Financial year 2025
S FINANCE from De Panne, company number BE0689690982, closed financial year 2025 with a result of € 1,219 after tax. For that financial year S FINANCE recorded a gross margin of € -6,414 and equity of € 512,236. Compared with financial year 2024, the result moved from € 49,381 to € 1,219. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 26, 2026.
€ 512,236
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1,219
▼ 98% vs 2024
Profit after tax over the fiscal year.
€ 1,338
▼ 75% 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 € 506,036.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 351
▼ 42% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 327,387 | € 608,115 | € 59,312 | € -6,414 | ▼ € 65,727 |
| Profit after taxes | € 62,420 | € 381,299 | € 49,381 | € 1,219 | ▼ 98% |
| Equity | € 80,337 | € 461,636 | € 511,017 | € 512,236 | |
| Total debts | € 789,254 | € 71,236 | € 5,674 | € 1,323 | ▼ 77% |
| Cash | € 121,790 | € 346,149 | € 5,424 | € 1,338 | ▼ 75% |
| Retained profit | € 74,137 | € 455,436 | € 504,817 | € 506,036 | |
| Dividend | € 60,000 | € 0 | € 0 | € 0 | |
| Bank debt | € 179,710 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 869,591 | € 532,872 | € 516,691 | € 513,558 | ▼ 1% |
| Employees (FTE) | 1.8 | 0.5 | 0 | - |
Key figures of S 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 S FINANCE?
What happened at S FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1,219 (▼ 98% vs 2024). filed late Source: NBB ↗
- Gustan BV became a director. NBB
- New establishment in De Panne. KBO
- Zakenkantoor Stubbe BV became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 62,420 profit in 2022 to € 1,219 profit in 2025.
Paid € 212,390 in corporate taxes since 2022.
Best year ever: 2023, with € 381,299 profit.
On average € 181,900 of value added per employee in 2022.
Management
The stake of GUSTAN comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
S FINANCEBehind S FINANCE are Zakenkantoor Stubbe BV and Gustan BV. The shares are held by GUSTAN (25.3%).
Directors
According to the 2025 annual accounts
Manager · represented by Stubbe Daniël
since 2018
since 2018
Shareholders
25.3%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Dynastielaan 28 box 602
8660 De Panne
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
- 0689.690.982
- VAT number
- BE 0689.690.982
- Registered office
- Dynastielaan 28 bus 602, 8660 De Panne
- Names & denominations
- S FINANCE · BESLOTEN VENNOOTSCHAP MET BEPERKTE AANSPRAKELIJKHEID
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 February 2018
- Peppol
- Active · Active since 7 Nov 2025