What does BCD FINANCE do?

BCD FINANCE is filed with the CBE under the catch-all “Agenten en makelaars in bankdiensten”, a code that says little about what the company actually does. Private Limited, started on 10 September 2019, 1 establishment.

What is the address of BCD FINANCE?

The registered office of BCD FINANCE is located at Oostendse Baan 8, 8470 Gistel.

Is BCD FINANCE still active?

Yes. According to the CBE (30 October 2026) BCD FINANCE is active, legal situation “Normale toestand”, started on 10 September 2019.

Is BCD FINANCE registered on Peppol?

Yes, BCD FINANCE is registered on the Peppol network with ID 0208:0733862408.

What is the enterprise number of BCD FINANCE?

The enterprise number of BCD FINANCE is BE0733862408.

When was BCD FINANCE founded?

BCD FINANCE was founded on 10 September 2019.

Is BCD FINANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 10 September 2019; 5 annual accounts filed, latest fiscal year 2025; 5 directors known from the annual account.

How much profit did BCD FINANCE make in 2025?

BCD FINANCE posted a profit after taxes of € 155,407 in financial year 2025.

What is the revenue of BCD FINANCE?

As a small company, BCD FINANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 546,508.

How much does an employee at BCD FINANCE earn?

The average wage cost per full-time employee at BCD FINANCE was € 63,900 in 2025: staff costs of € 230,170 for 3.6 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does BCD FINANCE have?

According to the 2025 annual accounts, BCD FINANCE has 3.6 full-time equivalents (FTE).

BCD FINANCE (Private Limited) - Gistel - BE0733862408

Q: Who are the directors of BCD FINANCE?

According to the 2025 annual accounts, the directors of BCD FINANCE are: BCD & Partners BV, FINDEV G.C.V. CommV, Carrewyn & Partners BV, Bonne Finance BV, Kantoor Vanbavinckhove BV.

Dossier BCD FINANCE, printed on 30 October 2026 from databakkes.be/en/0733862408/bcd-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

BCD FINANCE from Gistel, company number BE0733862408, closed financial year 2025 with a result of € 155,407 after tax. For that financial year BCD FINANCE recorded a gross margin of € 546,508 and equity of € 622,785. Compared with financial year 2024, the result moved from € 167,716 to € 155,407. 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 June 29, 2026.

What it is worth Growing

€ 622,785

▲ 33% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 155,407

▼ 7% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 171,935

▲ 13% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 572,785.

People and assets in 2025

Full-time equivalents

3.6

▼ 0.3 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 230,170

€ 63,900 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 179,081

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 2 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 163,581

▲ 163% vs 2024

€ 78,888 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 11,114

▼ 42% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Wages and social charges

€ 25,893

▼ 33% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 452,388 Gross margin 2022: € 452,388 First fiscal year in the series	€ 445,649 Gross margin 2023: € 445,649 ▼ 1% vs 2022 (€ 452,388) Unfavourable step	€ 547,923 Gross margin 2024: € 547,923 ▲ 23% vs 2023 (€ 445,649) Favourable step	€ 546,508 Gross margin 2025: € 546,508 Unchanged (€ 547,923) Unfavourable step
Profit after taxes	€ 111,338 Profit after taxes 2022: € 111,338 First fiscal year in the series	€ 115,552 Profit after taxes 2023: € 115,552 ▲ 4% vs 2022 (€ 111,338) Favourable step	€ 167,716 Profit after taxes 2024: € 167,716 ▲ 45% vs 2023 (€ 115,552) Favourable step	€ 155,407 Profit after taxes 2025: € 155,407 ▼ 7% vs 2024 (€ 167,716) Unfavourable step	▼ 7%
Equity	€ 184,109 Equity 2022: € 184,109 First fiscal year in the series	€ 299,661 Equity 2023: € 299,661 ▲ 63% vs 2022 (€ 184,109) Favourable step	€ 467,378 Equity 2024: € 467,378 ▲ 56% vs 2023 (€ 299,661) Favourable step	€ 622,785 Equity 2025: € 622,785 ▲ 33% vs 2024 (€ 467,378) Favourable step	▲ 33%
Total debts	€ 623,761 Total debts 2022: € 623,761 First fiscal year in the series	€ 432,323 Total debts 2023: € 432,323 ▼ 31% vs 2022 (€ 623,761) Favourable step	€ 202,710 Total debts 2024: € 202,710 ▼ 53% vs 2023 (€ 432,323) Favourable step	€ 211,221 Total debts 2025: € 211,221 ▲ 4% vs 2024 (€ 202,710) Unfavourable step	▲ 4%
Cash	€ 143,530 Cash 2022: € 143,530 First fiscal year in the series	€ 63,888 Cash 2023: € 63,888 ▼ 55% vs 2022 (€ 143,530) Unfavourable step	€ 152,303 Cash 2024: € 152,303 ▲ 138% vs 2023 (€ 63,888) Favourable step	€ 171,935 Cash 2025: € 171,935 ▲ 13% vs 2024 (€ 152,303) Favourable step	▲ 13%
Land & buildings	€ 6,435 Land & buildings 2022: € 6,435 First fiscal year in the series	€ 5,632 Land & buildings 2023: € 5,632 ▼ 12% vs 2022 (€ 6,435) Unchanged	€ 4,830 Land & buildings 2024: € 4,830 ▼ 14% vs 2023 (€ 5,632) Unchanged	€ 4,027 Land & buildings 2025: € 4,027 ▼ 17% vs 2024 (€ 4,830) Unchanged	▼ 17%
Retained profit	€ 134,109 Retained profit 2022: € 134,109 First fiscal year in the series	€ 249,661 Retained profit 2023: € 249,661 ▲ 86% vs 2022 (€ 134,109) Favourable step	€ 417,378 Retained profit 2024: € 417,378 ▲ 67% vs 2023 (€ 249,661) Favourable step	€ 572,785 Retained profit 2025: € 572,785 ▲ 37% vs 2024 (€ 417,378) Favourable step	▲ 37%
Bank debt	€ 94,431 Bank debt 2022: € 94,431 First fiscal year in the series	€ 81,843 Bank debt 2023: € 81,843 ▼ 13% vs 2022 (€ 94,431) Favourable step	€ 62,272 Bank debt 2024: € 62,272 ▼ 24% vs 2023 (€ 81,843) Favourable step	€ 163,581 Bank debt 2025: € 163,581 ▲ 163% vs 2024 (€ 62,272) Unfavourable step	▲ 163%
Balance sheet total	€ 807,870 Balance sheet total 2022: € 807,870 First fiscal year in the series	€ 731,984 Balance sheet total 2023: € 731,984 ▼ 9% vs 2022 (€ 807,870) Unchanged	€ 670,087 Balance sheet total 2024: € 670,087 ▼ 8% vs 2023 (€ 731,984) Unchanged	€ 834,006 Balance sheet total 2025: € 834,006 ▲ 24% vs 2024 (€ 670,087) Unchanged	▲ 24%
Employees (FTE)	3.6 Employees (FTE) 2022: 3.6 First fiscal year in the series	3.3 Employees (FTE) 2023: 3.3 ▼ 0.3 vs 2022 (3.6) Unchanged	3.9 Employees (FTE) 2024: 3.9 ▲ 0.6 vs 2023 (3.3) Unchanged	3.6 Employees (FTE) 2025: 3.6 ▼ 0.3 vs 2024 (3.9) Unchanged	▼ 0.3

Key figures of BCD 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 BCD FINANCE?

What happened at BCD FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jun 29, 2026 New annual accounts for financial year 2025: profit of € 155,407 (▼ 7% vs 2024). Source: NBB ↗
2022 Kantoor Vanbavinckhove BV became a director. NBB
Sep 10, 2019 New establishment in Gistel. KBO
2019 BCD & Partners BV became a director. NBB
2019 FINDEV G.C.V. CommV became a director. NBB
2019 Carrewyn & Partners BV became a director. NBB
2019 Bonne Finance BV became a director. NBB
Sep 10, 2019 Start of the company according to the CBE. KBO

In short

From € 111,338 profit in 2022 to € 155,407 profit in 2025.

Paid € 190,147 in corporate taxes since 2022.

Best year ever: 2024, with € 167,716 profit.

On average € 151,800 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

BCD & Partners BV FINDEV G.C.V. CommV Carrewyn & Partners BV Bonne Finance BV +1

BCD INSURANCE

BCD & PARTNERS

BCD FINANCE

Behind BCD FINANCE are BCD & Partners BV, FINDEV G.C.V. CommV, Carrewyn & Partners BV, Bonne Finance BV and Kantoor Vanbavinckhove BV. The same people are also behind BCD INSURANCE. FINDEV G.C.V. CommV is also behind BCD & PARTNERS. Carrewyn & Partners BV is also behind BCD & PARTNERS. Bonne Finance BV is also behind BCD & PARTNERS.

Directors

According to the 2025 annual accounts

BCD & Partners BV

Director

Also active at: BCD INSURANCE

since 2019

FINDEV G.C.V. CommV

Director · represented by Vincent Defreyne

Also active at: BCD & PARTNERS, BCD INSURANCE

since 2019

Carrewyn & Partners BV

Director · represented by Peter Carrewyn

Also active at: BCD & PARTNERS, BCD INSURANCE

since 2019

Bonne Finance BV

Director · represented by Johan Bonne

Also active at: BCD & PARTNERS, BCD INSURANCE

since 2019

Kantoor Vanbavinckhove BV

Director · represented by Valerie Marchand

Also active at: BCD & PARTNERS, BCD INSURANCE

since 2022

Establishments

Establishment units

Physical locations of this company

Registered office

Oostendse Baan 8

8470 Gistel

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.

All companies at this address →

BCD & PARTNERS same network

€ 154,878 gross margin · 2025

BCD INSURANCE same network

€ 1 million gross margin · 2025

Zeker en Vast

FINDEV same network

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0733.862.408

VAT number

BE 0733.862.408

Registered office

Oostendse Baan 8, 8470 Gistel

Names & denominations

BCD FINANCE

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

10 September 2019

Peppol

Active · Active since 27 Jan 2026

Activities · NACE

Agenten en makelaars in bankdiensten

Overige activiteiten van geldscheppende financiële instellingen

View on CBE Public ↗ Annual accounts (NBB) ↗

BCD FINANCE

Financials

What happened to BCD FINANCE?

Management

Directors

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions