Financials
Financial year 2024
Financieel Architectenbureau Kredieten from Evergem, company number BE0759461696, closed financial year 2024 with a result of € 56,983 after tax. For that financial year Financieel Architectenbureau Kredieten recorded a gross margin of € 208,312 and equity of € 426,659. Compared with financial year 2023, the result moved from € 5,168 to € 56,983. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2025.
€ 426,659
▲ 60% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 56,983
▲ € 51,815 vs 2023
Profit after tax over the fiscal year.
€ 34,350
▲ 97% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 393,459.
People and assets in 2024
1.4
▼ 0.5 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 80,479
▼ 46% vs 2023
€ 57,500 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.
€ 327
▼ 99% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 1.2 million
▲ 49% vs 2023
€ 118,458 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 205,637
▲ € 178,479 vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 32,130
▲ 40% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 279,028 | € 202,972 | € 192,528 | € 208,312 | ▲ 8% |
| Profit after taxes | € 118,253 | € 161,067 | € 5,168 | € 56,983 | ▲ € 51,815 |
| Equity | € 100,253 | € 261,320 | € 266,489 | € 426,659 | ▲ 60% |
| Total debts | € 1,210,781 | € 1,103,279 | € 914,050 | € 1,465,365 | ▲ 60% |
| Cash | € 51,240 | € 46,461 | € 17,395 | € 34,350 | ▲ 97% |
| Retained profit | € 73,253 | € 234,320 | € 239,489 | € 393,459 | ▲ 64% |
| Dividend | € 45,000 | € 0 | € 0 | € 0 | |
| Bank debt | € 698,235 | € 844,867 | € 814,264 | € 1,210,080 | ▲ 49% |
| Balance sheet total | € 1,311,034 | € 1,364,600 | € 1,180,539 | € 1,892,024 | ▲ 60% |
| Employees (FTE) | 2 | 1.7 | 1.9 | 1.4 | ▼ 0.5 |
Key figures of Financieel Architectenbureau Kredieten, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to Financieel Architectenbureau Kredieten?
What happened at Financieel Architectenbureau Kredieten in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 56,983 (▲ € 51,815 vs 2023). Source: NBB ↗
- New establishment in Ronse. KBO
- New establishment in Zottegem. KBO
- New establishment in Merelbeke-Melle. KBO
- New establishment in Evergem. KBO
- Decola CommV became a director. NBB
- KMO-Architect BV became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 118,253 profit in 2021 to € 56,983 profit in 2024.
Paid € 62,818 in corporate taxes since 2021.
Best year ever: 2022, with € 161,067 profit.
On average € 148,800 of value added per employee in 2024.
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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 KMO ARCHITECT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Financieel Architectenbureau KredietenBehind Financieel Architectenbureau Kredieten are Decola CommV and KMO-Architect BV. The shares are held by KMO ARCHITECT (66.7%).
Directors
According to the 2024 annual accounts
Director · represented by Dries De Cooman
since 2020
Director · represented by Stefaan Poffyn, Christophe De Smaele
since 2020
Shareholders
66.7%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kluizendorpstraat 25A
9940 Evergem
Frédéric Bruneellaan 38 box 1
9600 Ronse
Active since 1 January 2024
Elenestraat 211A
9620 Zottegem
Active since 1 January 2024
Hundelgemsesteenweg 724
9820 Merelbeke-Melle
Active since 1 January 2024
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
Website info
Features
Details
- Company number
- 0759.461.696
- VAT number
- BE 0759.461.696
- Registered office
- Kluizendorpstraat 25A, 9940 Evergem
- Names & denominations
- Financieel Architectenbureau Kredieten · FABU Kredieten
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 December 2020
- Peppol
- Active · Active since 14 Aug 2025
- Activities · NACE
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