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 33 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINE CAPITAL MANAGEMENT from Zulte, company number BE0795828877, closed financial year 2025 with a result of € 14,252 after tax. For that financial year FINE CAPITAL MANAGEMENT recorded a gross margin of € 19,349 and equity of € 21,949. Compared with financial year 2024, the result moved from € 1,113 to € 14,252. 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 July 6, 2026.
€ 21,949
▲ 185% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 14,252
▲ € 13,139 vs 2024
Profit after tax over the fiscal year.
€ 22,549
▲ € 19,374 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 € 18,949.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 228,095
€ 32,585 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 4,661
▲ 81% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 882
▼ 85% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 13,579 | € 10,881 | € 19,349 | ▲ 78% |
| Profit after taxes | € 3,585 | € 1,113 | € 14,252 | ▲ € 13,139 |
| Equity | € 6,585 | € 7,697 | € 21,949 | ▲ 185% |
| Total debts | € 413,546 | € 288,675 | € 274,768 | ▼ 5% |
| Cash | € 6,961 | € 3,175 | € 22,549 | ▲ € 19,374 |
| Land & buildings | - | - | € 1,977 | |
| Retained profit | € 3,585 | € 4,697 | € 18,949 | ▲ € 14,252 |
| Bank debt | € 356,448 | € 228,095 | € 228,095 | |
| Balance sheet total | € 420,130 | € 296,372 | € 296,717 |
Key figures of FINE CAPITAL MANAGEMENT, 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 FINE CAPITAL MANAGEMENT?
What happened at FINE CAPITAL MANAGEMENT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 14,252 (▲ € 13,139 vs 2024). Source: NBB ↗
- New establishment in Zulte. KBO
- Filip ROGIERS became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 3,585 profit in 2023 to € 14,252 profit in 2025.
Paid € 9,311 in corporate taxes since 2023.
Best year ever: 2025, with € 14,252 profit.
A new publication or filing at FINE CAPITAL MANAGEMENT? 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 FINE CAPITAL MANAGEMENT is Filip ROGIERS. It owns KREDIET- EN VERZEKERINGSWYNKEL itself.
Directors
According to the 2025 annual accounts
since 2023
Establishments
Establishment units
Physical locations of this company
Brandstraat 70
9870 Zulte
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0795.828.877
- VAT number
- BE 0795.828.877
- Registered office
- Brandstraat 70, 9870 Zulte
- Names & denominations
- FINE CAPITAL MANAGEMENT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 January 2023
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
Activiteiten van holdings
Holdings
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Ondersteunende activiteiten in verband met de teelt van gewassen
Teelt van druiven
Activiteiten van adviesbureaus op het gebied van public relations en communicatie
Adviesbureaus op het gebied van public relations en communicatie
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering