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 42 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CONSELFIN from Harelbeke, company number BE0756912873, closed financial year 2025 with a result of € 19,152 after tax. For that financial year CONSELFIN recorded a gross margin of € 343,834 and equity of € 9,324. Compared with financial year 2024, the result moved from € -6,652 to € 19,152. Profitable, and profit is growing. 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 May 26, 2026.
€ 9,324
▲ 14% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 19,152
▲ still € 6,652 loss in 2024
Profit after tax over the fiscal year.
€ 67,824
▲ 108% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 18,000 paid out
94 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
3
Average over the fiscal year, from the social balance sheet.
€ 181,065
▲ 2% vs 2024
€ 60,400 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.
€ 20,420
▼ 34% vs 2024
Of which on lease € 1,091.
Debts at end 2025
€ 431,568
▲ 2% vs 2024
€ 107,828 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 2,357
▲ € 2,265 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 22,460
▲ 3% 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 | € 301,620 | € 347,838 | € 300,696 | € 343,834 | ▲ 14% |
| Profit after taxes | € 81,473 | € 82,921 | € -6,652 | € 19,152 | ▲ € 25,804 |
| Equity | € 11,902 | € 14,823 | € 8,172 | € 9,324 | ▲ 14% |
| Total debts | € 736,143 | € 643,980 | € 456,929 | € 504,214 | ▲ 10% |
| Cash | € 144,650 | € 104,358 | € 32,542 | € 67,824 | ▲ 108% |
| Retained profit | € 6,902 | € 9,823 | € 3,172 | € 4,324 | ▲ 36% |
| Dividend | € 80,000 | € 80,000 | € 0 | € 18,000 | |
| Bank debt | € 389,282 | € 510,282 | € 424,919 | € 431,568 | ▲ 2% |
| Balance sheet total | € 748,044 | € 658,803 | € 465,101 | € 513,537 | ▲ 10% |
| Employees (FTE) | 1.7 | 1.9 | 3 | 3 |
Key figures of CONSELFIN, 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 CONSELFIN?
What happened at CONSELFIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 19,152. Source: NBB ↗
- CRM INVEST BV became a director. NBB
- New establishment in Harelbeke. KBO
- DEGREVE PETRA BV became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 81,473 profit in 2022 to € 19,152 profit in 2025.
Paid € 14,233 in corporate taxes since 2022.
Best year ever: 2023, with € 82,921 profit.
On average € 114,600 of value added per employee in 2025.
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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
Behind CONSELFIN are CRM INVEST BV and DEGREVE PETRA BV. The shares are held by CRM INVEST (26%), DEGREVE PETRA (26%), JURGEN HOLVOET (24%) and PETRA DEGREVE (24%).
Directors
According to the 2025 annual accounts
Director · represented by HOLVOET JURGEN
since 2023
Director · represented by DEGREVE PETRA
since 2020
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kortrijksesteenweg 160
8530 Harelbeke
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.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0756.912.873
- VAT number
- BE 0756.912.873
- Registered office
- Kortrijksesteenweg 160, 8530 Harelbeke
- Names & denominations
- CONSELFIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 October 2020
- Peppol
- Active · Active since 6 Nov 2025
- Contact
- conselfin.be
- Activities · NACE
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