Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 20 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SBV Finance from Sint-Niklaas, company number BE0749636784, closed financial year 2025 with a result of € 481,292 after tax. For that financial year SBV Finance recorded a gross margin of € 1.3 million and equity of € 65,770. Compared with financial year 2024, the result moved from € 532,749 to € 481,292. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.
€ 65,770
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 481,292
▼ 10% vs 2024
Profit after tax over the fiscal year.
€ 119,953
▼ 44% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 480,000 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
7.7
▲ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 718,990
▲ 21% vs 2024
€ 93,400 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.
€ 165,979
▼ 20% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 143,150
▼ 19% vs 2024
€ 65,552 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 10,247
▲ € 9,698 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 70,419
▲ 6% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,178,181 | € 1,186,551 | € 1,172,048 | € 1,261,119 | ▲ 8% |
| Profit after taxes | € 661,699 | € 624,716 | € 532,749 | € 481,292 | ▼ 10% |
| Equity | € 38,048 | € 56,764 | € 64,513 | € 65,770 | ▲ 2% |
| Total debts | € 811,703 | € 675,081 | € 768,140 | € 703,816 | ▼ 8% |
| Cash | € 201,335 | € 271,159 | € 213,964 | € 119,953 | ▼ 44% |
| Retained profit | € 33,048 | € 51,764 | € 59,513 | € 60,770 | ▲ 2% |
| Dividend | € 660,000 | € 606,000 | € 525,000 | € 480,000 | ▼ 9% |
| Bank debt | € 8,721 | € 12,670 | € 176,219 | € 143,150 | ▼ 19% |
| Balance sheet total | € 849,751 | € 731,845 | € 832,653 | € 769,585 | ▼ 8% |
| Employees (FTE) | - | 6.5 | 7.1 | 7.7 | ▲ 0.6 |
Key figures of SBV 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 SBV Finance?
What happened at SBV 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 € 481,292 (▼ 10% vs 2024). Source: NBB ↗
- KreDieter became a director. NBB
- New establishment in Temse. KBO
- LS&P Service became a director. NBB
- BVV-Finance became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 661,699 profit in 2022 to € 481,292 profit in 2025.
Paid € 69,165 in corporate taxes since 2022.
Best year ever: 2022, with € 661,699 profit.
On average € 163,800 of value added per employee in 2025.
A new publication or filing at SBV Finance? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of KreDieter comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
SBV FinanceBehind SBV Finance are LS&P Service, BVV-Finance and KreDieter. The shares are held by KreDieter (26%).
Directors
According to the 2025 annual accounts
Director · represented by Sonja Beirnaert
since 2020
since 2020
Director · represented by Dieter Strobbe
since 2022
Shareholders
26%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Hooimanstraat 24
9112 Sint-Niklaas
Kasteelstraat 52
9140 Temse
Active since 1 July 2020
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
- 0749.636.784
- VAT number
- BE 0749.636.784
- Registered office
- Hooimanstraat 24, 9112 Sint-Niklaas
- Names & denominations
- SBV Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 July 2020
- Peppol
- Active · Active since 20 Nov 2025
- Activities · NACE
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