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Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Figures corrected NBB
Corrected annual account filed for 2024.
Financials
Financial year 2025
B & S FINANCE from Leuven, company number BE0713998192, closed financial year 2025 with a result of € 26,098 after tax. For that financial year B & S FINANCE recorded a gross margin of € 156,695 and equity of € 56,400. Compared with financial year 2024, the result moved from € 1,472 to € 26,098. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 23, 2026.
€ 56,400
▲ 86% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 26,098
▲ € 24,627 vs 2024
Profit after tax over the fiscal year.
€ 39,623
▲ 137% 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 € 37,800.
People and assets in 2025
€ 45,602
▲ 24% 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.
Debts at end 2025
€ 222,275
▼ 24% vs 2024
€ 70,669 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 8,140
▼ 1% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 124,002 | € 125,566 | € 115,956 | € 156,695 | ▲ 35% |
| Profit after taxes | € 745 | € 4,103 | € 1,472 | € 26,098 | ▲ € 24,627 |
| Equity | € 24,727 | € 28,830 | € 30,301 | € 56,400 | ▲ 86% |
| Total debts | € 451,936 | € 380,621 | € 299,832 | € 230,562 | ▼ 23% |
| Cash | € 26,094 | € 69,555 | € 16,706 | € 39,623 | ▲ 137% |
| Retained profit | € 6,127 | € 10,230 | € 11,701 | € 37,800 | ▲ 223% |
| Bank debt | € 426,406 | € 359,650 | € 291,614 | € 222,275 | ▼ 24% |
| Balance sheet total | € 476,663 | € 409,451 | € 330,133 | € 286,962 | ▼ 13% |
Key figures of B & 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.
Ask about B & S FINANCE the way you would ask their accountant.
Answers from the filed annual accounts, the Belgian Official Gazette and the CBE register.
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What happened to B & S FINANCE?
What happened at B & 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 € 26,098 (▲ € 24,627 vs 2024). Source: NBB ↗
- Incorporation, published in the Gazette. Source: Staatsblad ↗
- New establishment in Leuven. KBO
In short
From € 745 profit in 2022 to € 26,098 profit in 2025.
Paid € 13,023 in corporate taxes since 2022.
Best year ever: 2025, with € 26,098 profit.
Management
The stake of KANTOOR A & S comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
B & S FINANCEBehind B & S FINANCE is Kantoor A en S BV. The shares are held by KANTOOR A & S (60%).
Directors
According to the 2025 annual accounts
Director · represented by Van Everbroeck Sven
Shareholders
60%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Stationsstraat 81
3018 Leuven
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.
Shareholders according to the Official Gazette deeds
Who contributed at incorporation and at capital increases, with the deed as source. Later share transfers are not published in the Gazette.
Incorporation
Source: Deed ↗- FROONINCKX Bjorn(oprichter) 40.3%
- VAN EVERBROECK Sven(oprichter) 40.3%
- ZAKENKANTOOR FROONINCKX(oprichter) 9.7%
- KANTOOR A EN S(oprichter) 9.7%
Details
- Company number
- 0713.998.192
- VAT number
- BE 0713.998.192
- Registered office
- Stationsstraat 81, 3018 Leuven
- Names & denominations
- B & S FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 November 2018
- Peppol
- Active · Active since 18 Aug 2025
- Activities · NACE
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