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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Tight liquidity NBB
Cash and receivables cover 38 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINESMA from Orp-Jauche, company number BE0735571784, closed financial year 2025 with a result of € 120,675 after tax. For that financial year FINESMA recorded a gross margin of € 184,943 and equity of € 588,951. Compared with financial year 2024, the result moved from € 102,875 to € 120,675. Profitable, and profit is growing. 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 May 23, 2026.
€ 588,951
▲ 14% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 120,675
▲ 17% vs 2024
Profit after tax over the fiscal year.
€ 35,171
▼ 13% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 50,000 paid out
41 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 34,002
▲ 299% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 260,036
▼ 16% vs 2024
€ 90,459 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 222
▼ 85% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1,750
▲ 81% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 166,008 | € 182,504 | € 157,520 | € 184,943 | ▲ 17% |
| Profit after taxes | € 184,177 | € 120,152 | € 102,875 | € 120,675 | ▲ 17% |
| Equity | € 350,250 | € 435,402 | € 518,276 | € 588,951 | ▲ 14% |
| Total debts | € 542,552 | € 416,840 | € 312,856 | € 262,411 | ▼ 16% |
| Cash | € 94,049 | € 51,233 | € 40,507 | € 35,171 | ▼ 13% |
| Retained profit | € 347,250 | € 432,402 | € 515,276 | € 585,951 | ▲ 14% |
| Dividend | € 0 | € 35,000 | € 20,000 | € 50,000 | ▲ 150% |
| Bank debt | € 466,933 | € 388,460 | € 310,042 | € 260,036 | ▼ 16% |
| Balance sheet total | € 892,802 | € 852,242 | € 831,133 | € 851,362 | ▲ 2% |
Key figures of FINESMA, 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 FINESMA?
What happened at FINESMA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 120,675 (▲ 17% vs 2024). Source: NBB ↗
- New establishment in Orp-Jauche. KBO
- Caroline Doyen became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 184,177 profit in 2022 to € 120,675 profit in 2025.
Paid € 160,916 in corporate taxes since 2022.
Best year ever: 2022, with € 184,177 profit.
Paid out € 105,000 in dividends to the owners in total.
Management
Behind FINESMA is Caroline Doyen. It owns 33.3% of CROON ASSURFINANCE and 33% of INCIPIO itself.
Directors
According to the 2025 annual accounts
since 2019
Establishments
Establishment units
Physical locations of this company
Rue Emile Landeut(N) 13
1350 Orp-Jauche
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0735.571.784
- VAT number
- BE 0735.571.784
- Registered office
- Rue Emile Landeut(N) 13, 1350 Orp-Jauche
- Names & denominations
- FINESMA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 October 2019
- Peppol
- Active · Active since 18 Mar 2026
- Activities · NACE
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