Warning lights
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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Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 31 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BE SECURE FINANCE from Oupeye, company number BE0729849081, closed financial year 2025 with a result of € -10,599 after tax. For that financial year BE SECURE FINANCE recorded a gross margin of € -348 and equity of € -61,875. Compared with financial year 2024, the result moved from € -22,086 to € -10,599. 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 August 28, 2026.
€ -61,875
▼ € 10,599 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -10,599
▲ 52 % less loss than in 2024
Profit after tax over the fiscal year.
€ 798
▲ 41% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -65,875.
Debts at end 2025
€ 64,437
▲ 8% vs 2024
€ 11,052 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 21,883
▲ 268% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 18,682 | € -45,748 | € -433 | € -348 | ▲ € 85 |
| Profit after taxes | € 11,616 | € -48,860 | € -22,086 | € -10,599 | ▲ € 11,488 |
| Equity | € 19,670 | € -29,190 | € -51,276 | € -61,875 | ▼ € 10,599 |
| Total debts | € 37,213 | € 43,897 | € 70,607 | € 87,222 | ▲ 24% |
| Cash | € 34,716 | € 55 | € 568 | € 798 | ▲ 41% |
| Retained profit | € 15,670 | € -33,190 | € -55,276 | € -65,875 | ▼ € 10,599 |
| Bank debt | € 0 | € 30,129 | € 59,813 | € 64,437 | ▲ 8% |
| Balance sheet total | € 56,883 | € 14,707 | € 19,330 | € 25,347 | ▲ 31% |
Key figures of BE SECURE 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 BE SECURE FINANCE?
What happened at BE SECURE FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 10,599. filed late Source: NBB ↗
- OPTIMAL FINANCES SPRL became a director. NBB
- L.S. CONSEILS SRL became a director. NBB
- New establishment in Oupeye. KBO
- Start of the company according to the CBE. KBO
In short
From € 11,616 profit in 2022 to € 10,599 loss in 2025.
Paid € 4,412 in corporate taxes since 2022.
Best year ever: 2022, with € 11,616 profit.
Management
The stake of OPTIMAL FINANCES, MAHNO LIFE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
BE SECURE FINANCEBehind BE SECURE FINANCE are OPTIMAL FINANCES SPRL and L.S. CONSEILS SRL. The shares are held by OPTIMAL FINANCES (33.3%) and MAHNO LIFE (33.3%).
Directors
According to the 2025 annual accounts
Director · represented by PHILIPPE BERGS
since 2020
Director · represented by LAURENT SCHMIDT
since 2020
Shareholders
33.3%
33.3%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue Libert Froidmont 60
4684 Oupeye
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0729.849.081
- VAT number
- BE 0729.849.081
- Registered office
- Avenue Libert Froidmont 60, 4684 Oupeye
- Names & denominations
- BE SECURE FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 July 2019
- Peppol
- Active · Active since 16 Jan 2026
- Contact
- [email protected]
- Activities · NACE
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