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 56 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FinSB from Ramillies, company number BE0794982306, closed financial year 2025 with a result of € 290,390 after tax. For that financial year FinSB recorded a gross margin of € 1.3 million and equity of € 290,482. Compared with financial year 2024, the result moved from € 204,141 to € 290,390. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 16, 2026.
€ 290,482
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 290,390
▲ 42% vs 2024
Profit after tax over the fiscal year.
€ 275,000 paid out
95 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
8.2
▲ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 655,881
▲ 27% vs 2024
€ 80,000 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.
€ 115,871
▼ 26% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.5 million
▼ 17% vs 2024
€ 276,699 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 23,926
▲ € 20,516 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 113,803
▲ 30% vs 2024
Taxes, VAT and social contributions still to pay.
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 1,008,841 | € 1,053,142 | € 1,288,897 | ▲ 22% |
| Profit after taxes | € 392,951 | € 204,141 | € 290,390 | ▲ 42% |
| Equity | € 250,951 | € 275,092 | € 290,482 | ▲ 6% |
| Total debts | € 2,204,955 | € 2,047,000 | € 1,888,289 | ▼ 8% |
| Retained profit | € 247,951 | € 272,092 | € 287,482 | ▲ 6% |
| Dividend | € 145,000 | € 180,000 | € 275,000 | ▲ 53% |
| Bank debt | € 1,912,728 | € 1,776,238 | € 1,475,560 | ▼ 17% |
| Balance sheet total | € 2,455,906 | € 2,322,092 | € 2,178,771 | ▼ 6% |
| Employees (FTE) | 6.3 | 7.4 | 8.2 | ▲ 0.8 |
Key figures of FinSB, 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 FinSB?
What happened at FinSB in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 290,390 (▲ 42% vs 2024). Source: NBB ↗
- JF de SART SRL became a director. NBB
- New establishment in Incourt. KBO
- New establishment in Hannut. KBO
- New establishment in Waremme. KBO
- NF Management SRL became a director. NBB
- BTL Conseils SRL became a director. NBB
- TC Finance SRL became a director. NBB
In short
From € 392,951 profit in 2023 to € 290,390 profit in 2025.
Paid € 125,307 in corporate taxes since 2023.
Best year ever: 2023, with € 392,951 profit.
On average € 157,200 of value added per employee in 2025.
Management
The stake of BTL CONSEILS, NF MANAGEMENT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FinSBBehind FinSB are JF de SART SRL, NF Management SRL, BTL Conseils SRL and TC Finance SRL. The shares are held by BTL CONSEILS (37.5%) and NF MANAGEMENT (37.5%).
Directors
According to the 2025 annual accounts
Director · represented by Jean-François de SART
since 2023
since 2022
since 2022
Director · represented by Thomas CALLUT
since 2022
Shareholders
37.5%
37.5%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Bourlottes 13 box A
1367 Ramillies
Rue Fond du Village 17A
1315 Incourt
Active since 19 December 2022
Rue Albert 1er 94
4280 Hannut
Active since 19 December 2022
Rue Joseph Wauters 64
4300 Waremme
Active since 19 December 2022
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0794.982.306
- VAT number
- BE 0794.982.306
- Registered office
- Rue des Bourlottes 13 bus A, 1367 Ramillies
- Names & denominations
- FinSB
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 December 2022
- Peppol
- Active · Active since 1 Dec 2025
- Contact
- [email protected]
- Activities · NACE
Centrale banken
Agenten en makelaars in bankdiensten