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 25 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
DENDRE & HAINE FINANCES from Saint-Ghislain, company number BE0795136318, closed financial year 2025 with a result of € 186,127 after tax. For that financial year DENDRE & HAINE FINANCES recorded a gross margin of € 1.5 million and equity of € 20,000. Compared with financial year 2024, the result moved from € 467,454 to € 186,127. The company is profitable. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on May 20, 2026.
€ 20,000
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 186,127
▼ 60% vs 2024
Profit after tax over the fiscal year.
€ 186,127 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
15.7
▲ 1.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 988,987
▲ 7% vs 2024
€ 63,000 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.
€ 700
▼ 97% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.9 million
▼ 5% vs 2024
€ 329,426 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 62,782
▲ 40% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 97,112
▼ 54% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 1,540,574 | € 1,773,898 | € 1,548,974 | ▼ 13% |
| Profit after taxes | € 505,596 | € 467,454 | € 186,127 | ▼ 60% |
| Equity | € 20,000 | € 20,000 | € 20,000 | |
| Total debts | € 3,037,573 | € 2,812,627 | € 2,509,208 | ▼ 11% |
| Cash | € 112,919 | € 60,088 | - | |
| Dividend | € 505,596 | € 467,454 | € 186,127 | ▼ 60% |
| Bank debt | € 2,265,226 | € 2,009,977 | € 1,903,938 | ▼ 5% |
| Balance sheet total | € 3,057,573 | € 2,832,627 | € 2,529,208 | ▼ 11% |
| Employees (FTE) | 668,485.3 | 14.6 | 15.7 | ▲ 1.1 |
Key figures of DENDRE & HAINE FINANCES, 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 DENDRE & HAINE FINANCES?
What happened at DENDRE & HAINE FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 186,127 (▼ 60% vs 2024). Source: NBB ↗
- DG MGMT SRL became a director. NBB
- New establishment in Saint-Ghislain. KBO
- New establishment in Ath. KBO
- AZAFEA Management SRL became a director. NBB
- JOSERVICES SPRL became a director. NBB
- AVMF SRL became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 505,596 profit in 2023 to € 186,127 profit in 2025.
Paid € 222,108 in corporate taxes since 2023.
Best year ever: 2023, with € 505,596 profit.
On average € 98,700 of value added per employee in 2025.
A new publication or filing at DENDRE & HAINE FINANCES? 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 DG MGMT, JOSERVICES, AZAFEA MANAGEMENT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
DENDRE & HAINE FINANCESBehind DENDRE & HAINE FINANCES are AZAFEA Management SRL, JOSERVICES SPRL, DG MGMT SRL and AVMF SRL. The shares are held by DG MGMT (12.8%), JOSERVICES (12.8%) and AZAFEA MANAGEMENT (12.8%).
Directors
According to the 2025 annual accounts
since 2022
since 2022
Director · represented by Damien Mettillion
since 2023
Director · represented by Marc Franc
since 2022
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue Defuisseaux(T) 74
7333 Saint-Ghislain
Rue de Nazareth 4
7800 Ath
Active since 1 February 2023
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
- 0795.136.318
- VAT number
- BE 0795.136.318
- Registered office
- Rue Defuisseaux(T) 74, 7333 Saint-Ghislain
- Names & denominations
- DENDRE & HAINE FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 December 2022
- Peppol
- Active · Active since 29 Dec 2025
- Activities · NACE
Agenten en makelaars in bankdiensten
Overige activiteiten van geldscheppende financiële instellingen
Activiteiten van holdings
Overige financiële dienstverlening, neg
Holdings