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 24 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FGS Finances from Herve, company number BE0798606542, closed financial year 2025 with a result of € 95,766 after tax. For that financial year FGS Finances recorded a gross margin of € 947,309 and equity of € 11,041. Compared with financial year 2024, the result moved from € -19,725 to € 95,766. 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 January 29, 2026.
€ 11,041
▲ € 20,766 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 95,766
▲ still € 19,725 loss in 2024
Profit after tax over the fiscal year.
€ 4,000
Cash and bank balances on the last day of the fiscal year.
€ 75,000 paid out
78 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
6.8
▼ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 502,811
▼ 10% vs 2024
€ 73,900 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
€ 1.6 million
▼ 6% vs 2024
€ 158,280 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 28,015
▲ € 25,496 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 85,313
▲ 65% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € 992,986 | € 947,309 | ▼ 5% |
| Profit after taxes | € -19,725 | € 95,766 | ▲ € 115,491 |
| Equity | € -9,725 | € 11,041 | ▲ € 20,766 |
| Total debts | € 1,795,780 | € 1,821,561 | ▲ 1% |
| Cash | - | € 4,000 | |
| Retained profit | € -19,725 | € 1,041 | ▲ € 20,766 |
| Dividend | € 0 | € 75,000 | |
| Bank debt | € 1,741,662 | € 1,633,233 | ▼ 6% |
| Balance sheet total | € 1,786,056 | € 1,832,602 | ▲ 3% |
| Employees (FTE) | 6.9 | 6.8 | ▼ 0.1 |
Key figures of FGS Finances, fiscal years 2024 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to FGS Finances?
What happened at FGS 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 € 95,766. Source: NBB ↗
- New establishment in Fléron. KBO
- Start of the company according to the CBE. KBO
In short
From € 19,725 loss in 2024 to € 95,766 profit in 2025.
Paid € 67,522 in corporate taxes since 2024.
Best year ever: 2025, with € 95,766 profit.
On average € 139,300 of value added per employee in 2025.
A new publication or filing at FGS 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
Behind FGS Finances are Christophe Marneffe Management SComm, LABEL DT SRL, TOGNOLLI SRL and Grégory Marquet Management SComm. LABEL DT SRL is also behind LABEL FINANCE. TOGNOLLI SRL is also behind IMMODEL and LABEL FINANCE.
Directors
According to the 2025 annual accounts
Christophe Marneffe Management SComm
Managing director · represented by Christophe MARNEFFE
Managing director · represented by Paul-Emmanuel TOGNOLLI
Also active at: IMMODEL, LABEL FINANCE
Grégory Marquet Management SComm
Managing director · represented by Grégory MARQUET
Establishments
Establishment units
Physical locations of this company
Voie des Tendeurs 36
4650 Herve
Rue de Magnée 4
4620 Fléron
Active since 17 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
- 0798.606.542
- VAT number
- BE 0798.606.542
- Registered office
- Voie des Tendeurs 36, 4650 Herve
- Names & denominations
- FGS Finances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 17 February 2023
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
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