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 25 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
KZBFin from Antwerpen, company number BE0771641829, closed financial year 2025 with a result of € 26,781 after tax. For that financial year KZBFin recorded a gross margin of € 27,758 and equity of € 193,101. Compared with financial year 2024, the result moved from € 102,827 to € 26,781. The company is profitable. 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 April 28, 2026.
€ 193,101
▲ 16% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 26,781
▼ 74% vs 2024
Profit after tax over the fiscal year.
€ 19,398
▼ 56% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 191,101.
Debts at end 2025
€ 125,411
▼ 32% vs 2024
Loans from banks and other lenders, long and short.
€ 9,035
▼ 25% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 78,859 | € 53,310 | € 52,196 | € 27,758 | ▼ 47% |
| Profit after taxes | € 61,720 | € 99,772 | € 102,827 | € 26,781 | ▼ 74% |
| Equity | € 63,720 | € 163,492 | € 166,320 | € 193,101 | ▲ 16% |
| Total debts | € 367,433 | € 292,611 | € 305,914 | € 230,678 | ▼ 25% |
| Cash | € 31,586 | € 23,997 | € 44,273 | € 19,398 | ▼ 56% |
| Retained profit | € 61,720 | € 161,492 | € 164,320 | € 191,101 | ▲ 16% |
| Dividend | € 0 | € 0 | € 100,000 | € 0 | ▼ 100% |
| Bank debt | € 333,000 | € 265,411 | € 185,411 | € 125,411 | ▼ 32% |
| Balance sheet total | € 431,153 | € 456,104 | € 472,233 | € 423,778 | ▼ 10% |
Key figures of KZBFin, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to KZBFin?
What happened at KZBFin in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 26,781 (▼ 74% vs 2024). Source: NBB ↗
- New establishment in Antwerpen. KBO
- Olivier Bacardats became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 61,720 profit in 2022 to € 26,781 profit in 2025.
Paid € 121,931 in corporate taxes since 2022.
Best year ever: 2024, with € 102,827 profit.
Paid out € 100,000 in dividends to the owners in total.
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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 KZBFin is Olivier Bacardats. It owns 0.5% of Steelfource Group NV itself.
Directors
According to the 2025 annual accounts
since 2021
Establishments
Establishment units
Physical locations of this company
Ramstraat 28
2018 Antwerpen
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0771.641.829
- VAT number
- BE 0771.641.829
- Registered office
- Ramstraat 28, 2018 Antwerpen
- Names & denominations
- KZBFin
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 July 2021
- Peppol
- Active · Active since 31 Jan 2026
- Activities · NACE
Activiteiten van holdings
Holdings
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