Financials
Financial year 2025
Zuidwest Finance from Waregem, company number BE0798960096, closed financial year 2025 with a result of € 1.6 million after tax. For that financial year Zuidwest Finance recorded a gross margin of € 2.6 million and equity of € 245,170. Compared with financial year 2024, the result moved from € 657,658 to € 1.6 million. 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 3, 2026.
€ 245,170
▲ 88% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.6 million
▲ 142% vs 2024
Profit after tax over the fiscal year.
€ 68,736
▲ 288% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 1.5 million paid out
93 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
7.9
▼ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 634,310
▲ 6% vs 2024
€ 80,300 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.
€ 3,000
▲ 170% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.8 million
▼ 12% vs 2024
€ 242,964 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 10,706
▲ 142% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 141,742
▲ 58% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 881,416 | € 1,667,935 | € 2,635,471 | ▲ 58% |
| Profit after taxes | € 372,099 | € 657,658 | € 1,589,113 | ▲ 142% |
| Equity | € 86,999 | € 130,657 | € 245,170 | ▲ 88% |
| Total debts | € 3,273,802 | € 2,937,842 | € 3,470,749 | ▲ 18% |
| Cash | € 91,895 | € 17,733 | € 68,736 | ▲ 288% |
| Retained profit | € 24,599 | € 68,257 | € 182,770 | ▲ 168% |
| Dividend | € 347,500 | € 614,000 | € 1,474,600 | ▲ 140% |
| Bank debt | € 2,328,442 | € 2,085,478 | € 1,842,514 | ▼ 12% |
| Balance sheet total | € 3,360,801 | € 3,068,499 | € 3,715,919 | ▲ 21% |
| Employees (FTE) | 7.8 | 8 | 7.9 | ▼ 0.1 |
Key figures of Zuidwest Finance, 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 Zuidwest Finance?
What happened at Zuidwest Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Sara Willems CommV stepped down as director. NBB
- Lavapo BV stepped down as director. NBB
- Vaj Consulting CommV stepped down as director. NBB
- Zakenkantoor Verplaetse-Maes stepped down as director. NBB
- Guillard BV stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 1.6 million (▲ 142% vs 2024). Source: NBB ↗
- New establishment in Waregem. KBO
- New establishment in Zwevegem. KBO
In short
From € 372,099 profit in 2023 to € 1.6 million profit in 2025.
Paid € 87,955 in corporate taxes since 2023.
Best year ever: 2025, with € 1.6 million profit.
On average € 333,600 of value added per employee in 2025.
A new publication or filing at Zuidwest Finance? 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 LAVAPO, GUILLARD, ZAKENKANTOOR VERPLAETSE-MAES comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Zuidwest FinanceThe shares are held by LAVAPO (12.8%), GUILLARD (12.8%) and ZAKENKANTOOR VERPLAETSE-MAES (5%).
Directors
According to the 2025 annual accounts
since 2023 · until 2029
since 2023 · until 2029
since 2023 · until 2029
Director · represented by Marc Verplaetse
Also active at: DEKIMPE-VERPLAETSE
since 2023 · until 2029
since 2023 · until 2029
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Liebaardstraat 260
8791 Waregem
Otegemstraat(Z) 72
8550 Zwevegem
Active since 28 February 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0798.960.096
- VAT number
- BE 0798.960.096
- Registered office
- Liebaardstraat 260, 8791 Waregem
- Names & denominations
- Zuidwest Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 28 February 2023
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
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