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 2 of the last 2 fiscal years.
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Two loss years in a row NBB
Negative result in 2023 and 2024.
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Tight liquidity NBB
Cash and receivables cover 8 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
SELFBANK from Heusden-Zolder, company number BE0789478347, closed financial year 2024 with a result of € -94,230 after tax. For that financial year SELFBANK recorded a gross margin of € 77,206 and equity of € -238,445. Compared with financial year 2023, the result moved from € -159,215 to € -94,230. 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 October 8, 2025.
€ -238,445
▼ € 94,230 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -94,230
▲ 41 % less loss than in 2023
Profit after tax over the fiscal year.
€ 45,661
▼ 4% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -253,445.
People and assets in 2024
€ 3,097
▼ 26% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 2.1 million
▲ 50% vs 2023
€ 85,922 is repaid this year. At this pace the long-term loan is gone in ≈ 24 years.
€ 6,056
▼ 82% vs 2023
Supplier invoices still open on the last day of the fiscal year.
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| 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|
| Gross margin | € -92,928 | € 77,206 | ▲ € 170,134 |
| Profit after taxes | € -159,215 | € -94,230 | ▲ € 64,985 |
| Equity | € -144,215 | € -238,445 | ▼ € 94,230 |
| Total debts | € 1,848,504 | € 2,880,966 | ▲ 56% |
| Cash | € 47,459 | € 45,661 | ▼ 4% |
| Land & buildings | € 1,631,309 | € 2,561,374 | ▲ 57% |
| Retained profit | € -159,215 | € -253,445 | ▼ € 94,230 |
| Bank debt | € 1,386,361 | € 2,073,143 | ▲ 50% |
| Balance sheet total | € 1,704,289 | € 2,642,521 | ▲ 55% |
Key figures of SELFBANK, fiscal years 2023 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 SELFBANK?
What happened at SELFBANK in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 94,230. filed late Source: NBB ↗
- New establishment in Heusden-Zolder. KBO
- Start of the company according to the CBE. KBO
In short
From € 159,215 loss in 2023 to € 94,230 loss in 2024.
A new publication or filing at SELFBANK? 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
Behind SELFBANK is Fausto Fierro. Fausto Fierro is also behind TERRASPECTRA, CRYPTIMMO, ProTerra and CASA CONCEPT.
Directors
According to the 2024 annual accounts
Establishments
Establishment units
Physical locations of this company
L.Hoelenstraat 6
3550 Heusden-Zolder
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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.
Details
- Company number
- 0789.478.347
- VAT number
- BE 0789.478.347
- Registered office
- L.Hoelenstraat 6, 3550 Heusden-Zolder
- Names & denominations
- SELFBANK
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 August 2022
- Peppol
- Active · Active since 4 Nov 2025
- Activities · NACE
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