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 49 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINVET from Lummen, company number BE0786914577, closed financial year 2025 with a result of € 155,004 after tax. For that financial year FINVET recorded revenue of € 177,400 and equity of € 2.3 million. Compared with financial year 2024, the result moved from € 754,913 to € 155,004. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.
€ 2.3 million
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 155,004
▼ 79% vs 2024
Profit after tax over the fiscal year.
€ 79,656
▲ € 64,091 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 € 2.2 million.
People and assets in 2025
1
Average over the fiscal year, from the social balance sheet.
€ 6,265
€ 6,300 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.
Debts at end 2025
€ 1.5 million
▲ € 1.3 million vs 2024
€ 55,607 is repaid this year. At this pace the long-term loan is gone in ≈ 26 years.
€ 519,842
▲ € 510,745 vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 2663 days on average.
€ 30,183
▲ 27% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Revenue | - | - | € 177,400 | |
| Gross margin | € 1,017,637 | € 615,939 | - | |
| Profit after taxes | € 1,056,232 | € 754,913 | € 155,004 | ▼ 79% |
| Equity | € 1,403,478 | € 2,158,391 | € 2,313,395 | ▲ 7% |
| Total debts | € 4,590,199 | € 4,554,438 | € 4,537,630 | |
| Cash | € 14,902 | € 15,565 | € 79,656 | ▲ € 64,091 |
| Retained profit | € 1,245,528 | € 2,000,441 | € 2,155,445 | ▲ 8% |
| Bank debt | € 1,042,113 | € 194,421 | € 1,468,980 | ▲ € 1.3 million |
| Balance sheet total | € 5,993,677 | € 6,712,829 | € 6,851,025 | ▲ 2% |
| Employees (FTE) | - | - | 1 |
Key figures of FINVET, fiscal years 2023 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 FINVET?
What happened at FINVET in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 155,004 (▼ 79% vs 2024). Source: NBB ↗
- D.A.P. Geert Roovers BV became a director. NBB
- D.A.P. Van Den Bunder Peter BV stepped down as director. NBB
- New establishment in Lummen. KBO
- Start of the company according to the CBE. KBO
In short
From € 1.1 million profit in 2023 to € 155,004 profit in 2025.
Paid € 391,155 in corporate taxes since 2023.
Best year ever: 2023, with € 1.1 million profit.
A new publication or filing at FINVET? 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 VET ALLIANCE GROUP comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FINVETBehind FINVET are Tom Dugardin COMMV, Vet Alliance Group BV, D.A.P. Geert Roovers BV and Mandelsas COMMV. The shares are held by VET ALLIANCE GROUP (100%). It owns 100% of Vetsolutions and 100% of Degudap itself.
Directors
According to the 2025 annual accounts
Managing director · represented by Tom Dugardin
Also active at: DEGUDAP, PEHESTAT, REGULUS, VET SHOPS, VET ALLIANCE GROUP
Managing director · represented by Stefan Ronsmans
Managing director · represented by Geert Roovers
Also active at: PEHESTAT, REGULUS, VET SHOPS, BC GROENLAREN, VET ALLIANCE GROUP
since 2025
Managing director · represented by Maarten De Gussem
Also active at: DEGUDAP, PEHESTAT, REGULUS, VET SHOPS, VET ALLIANCE GROUP INVEST, VET ALLIANCE GROUP
D.A.P. Van Den Bunder Peter BV
Director · represented by Peter Van den Bunder
Also active at: PEHESTAT, REGULUS, VET SHOPS, BC GROENLAREN, VET ALLIANCE GROUP
· until 2025
Shareholders
100%
Participations
100%
100%
Establishments
Establishment units
Physical locations of this company
Dwarsstraat 5
3560 Lummen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →PEHESTAT same network
€ 260,423 gross margin · 2025
REGULUS same network
€ 409,194 revenue · 2025
VET SHOPS same network
€ 417,320 gross margin · 2025
VETSOLUTIONS same network
€ 703,704 gross margin · 2025
VET ALLIANCE GROUP INVEST same network
€ 14,000 revenue · 2025
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0786.914.577
- VAT number
- BE 0786.914.577
- Registered office
- Dwarsstraat 5, 3560 Lummen
- Names & denominations
- FINVET
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 April 2022
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Activiteiten van holdings
Holdings
Administratieve en ondersteunende activiteiten ten behoeve van kantoren
Activiteiten van hoofdkantoren
Overige zakelijke dienstverlening, neg
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
Diverse administratieve activiteiten ten behoeve van kantoren