Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 53 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Finteam from Kortrijk, company number BE0767805478, closed financial year 2025 with a result of € -269,084 after tax. For that financial year Finteam recorded revenue of € 756,859 and equity of € -247,837. Compared with financial year 2024, the result moved from € -231,824 to € -269,084. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 3, 2026.
€ -247,837
▼ € 269,084 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -269,084
▼ 16 % more loss than in 2024
Profit after tax over the fiscal year.
€ 37,761
▲ € 34,343 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -571,852.
People and assets in 2025
3.1
▲ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 230,414
▲ 1% vs 2024
€ 74,300 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.
€ 3,441
▲ 117% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 549,955
▼ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 258 days on average.
€ 20,096
▼ 50% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 2,132,466 | € 765,632 | € 914,717 | € 756,859 | ▼ 17% |
| Profit after taxes | € 32,334 | € -103,277 | € -231,824 | € -269,084 | ▼ € 37,260 |
| Equity | € 131,334 | € 28,057 | € 21,247 | € -247,837 | ▼ € 269,084 |
| Total debts | € 931,170 | € 759,430 | € 800,423 | € 1,087,238 | ▲ 36% |
| Cash | € 6,210 | € 25,796 | € 3,417 | € 37,761 | ▲ € 34,343 |
| Retained profit | € 32,334 | € -70,943 | € -302,768 | € -571,852 | ▼ € 269,084 |
| Balance sheet total | € 1,062,504 | € 807,487 | € 841,671 | € 839,401 | |
| Employees (FTE) | 2.5 | 2.3 | 2.8 | 3.1 | ▲ 0.3 |
Key figures of Finteam, 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 Finteam?
What happened at Finteam in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 269,084. Source: NBB ↗
- Cédric Jaumot stepped down as director. NBB
- New establishment in Mouscron. KBO
- COPAWIN NV became a director. NBB
- New establishment in Mouscron. KBO
- Charles Beaurain became a director. NBB
- Kristof Notredame became a director. NBB
- Cédric Jaumot became a director. NBB
In short
From € 32,334 profit in 2022 to € 269,084 loss in 2025.
Paid € 15,977 in corporate taxes since 2022.
Best year ever: 2022, with € 32,334 profit.
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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 Finteam are Charles Beaurain, Kristof Notredame and COPAWIN NV. The shares are held by Wilink Insurance (90%) and Kristof Notredame (10%).
Directors
According to the 2025 annual accounts
Charles Beaurain
Director
since 2022
Kristof Notredame
Director
since 2022
Director · represented by Henri Steyaert
Owns 90% via Wilink Insurance
Also active at: WILINK INSURANCE, ELITIS INSURANCE
since 2023
Cédric Jaumot
Director
since 2022 · until 2025
Shareholders
Wilink Insurance · holding of COPAWIN NV
90%
Kristof Notredame
10%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Doorniksewijk(Kor) 189 box 0.2
8500 Kortrijk
Doorniksesteenweg(Kor) 189 box 2
8500 Kortrijk
Active since 4 May 2021
Tourcoingstraat 80 box 2
7700 Mouscron
Active since 9 August 2023
Italiëstraat 1
7700 Mouscron
Active since 19 December 2023
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
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0767.805.478
- VAT number
- BE 0767.805.478
- Registered office
- Doorniksewijk(Kor) 189 bus 0.2, 8500 Kortrijk
- Names & denominations
- Finteam
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 May 2021
- Peppol
- Active · Active since 18 Dec 2025
- Contact
- finteam.be [email protected] 0475967635
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Agenten en makelaars in bankdiensten