What does TD Finance do?

TD Finance is filed with the CBE under the catch-all “Agenten en makelaars in bankdiensten”, a code that says little about what the company actually does. Private Limited, started on 24 March 2023, 2 establishments.

What is the address of TD Finance?

The registered office of TD Finance is located at Biezenstraat 6, 8020 Oostkamp.

Is TD Finance still active?

Yes. According to the CBE (30 October 2026) TD Finance is active, legal situation “Normale toestand”, started on 24 March 2023.

Is TD Finance registered on Peppol?

Yes, TD Finance is registered on the Peppol network with ID 0208:0799927821.

What is the enterprise number of TD Finance?

The enterprise number of TD Finance is BE0799927821.

When was TD Finance founded?

TD Finance was founded on 24 March 2023.

Who are the directors of TD Finance?

According to the 2025 annual accounts, the directors of TD Finance are: Saint-Pierre-sur-Mer, Rill BV, Inge Claeys BVBA, Finesto CommV.

Is TD Finance a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 24 March 2023; 2 annual accounts filed, latest fiscal year 2025; 4 directors known from the annual account; 2 establishments in the CBE.

How much profit did TD Finance make in 2025?

TD Finance posted a profit after taxes of € 743,431 in financial year 2025.

What is the revenue of TD Finance?

As a small company, TD Finance is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,726,671.

How much does an employee at TD Finance earn?

The average wage cost per full-time employee at TD Finance was € 71,300 in 2025: staff costs of € 655,933 for 9.2 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does TD Finance have?

According to the 2025 annual accounts, TD Finance has 9.2 full-time equivalents (FTE).

TD Finance (Private Limited) - Oostkamp - BE0799927821

Dossier TD Finance, printed on 30 October 2026 from databakkes.be/en/0799927821/td-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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 1 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

TD Finance from Oostkamp, company number BE0799927821, closed financial year 2025 with a result of € 743,431 after tax. For that financial year TD Finance recorded a gross margin of € 1.7 million and equity of € 63,090. Compared with financial year 2024, the result moved from € 416,659 to € 743,431. 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 1, 2026.

What it is worth Growing

€ 63,090

▲ 221% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 743,431

▲ 78% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 12,253

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 700,000 paid out

94 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

9.2

▲ 0.3 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 655,933

▼ 30% vs 2024

€ 71,300 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.

Vehicles and equipment

€ 24,248

▼ 61% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 8 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 1.5 million

▼ 21% vs 2024

€ 178,445 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.

Owed to suppliers

€ 109,067

▲ 270% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 60,564

▲ 8% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2024	2025	Change 2024 → 2025
Gross margin	€ 1,835,003 Gross margin 2024: € 1,835,003 First fiscal year in the series	€ 1,726,671 Gross margin 2025: € 1,726,671 ▼ 6% vs 2024 (€ 1,835,003) Unfavourable step	▼ 6%
Profit after taxes	€ 416,659 Profit after taxes 2024: € 416,659 First fiscal year in the series	€ 743,431 Profit after taxes 2025: € 743,431 ▲ 78% vs 2024 (€ 416,659) Favourable step	▲ 78%
Equity	€ 19,659 Equity 2024: € 19,659 First fiscal year in the series	€ 63,090 Equity 2025: € 63,090 ▲ 221% vs 2024 (€ 19,659) Favourable step	▲ 221%
Total debts	€ 2,373,251 Total debts 2024: € 2,373,251 First fiscal year in the series	€ 2,595,838 Total debts 2025: € 2,595,838 ▲ 9% vs 2024 (€ 2,373,251) Unfavourable step	▲ 9%
Cash	-	€ 12,253 Cash 2025: € 12,253 First fiscal year in the series
Retained profit	€ 16,659 Retained profit 2024: € 16,659 First fiscal year in the series	€ 60,090 Retained profit 2025: € 60,090 ▲ 261% vs 2024 (€ 16,659) Favourable step	▲ 261%
Dividend	€ 400,000 Dividend 2024: € 400,000 First fiscal year in the series	€ 700,000 Dividend 2025: € 700,000 ▲ 75% vs 2024 (€ 400,000) Unchanged	▲ 75%
Bank debt	€ 1,877,339 Bank debt 2024: € 1,877,339 First fiscal year in the series	€ 1,484,991 Bank debt 2025: € 1,484,991 ▼ 21% vs 2024 (€ 1,877,339) Favourable step	▼ 21%
Balance sheet total	€ 2,392,910 Balance sheet total 2024: € 2,392,910 First fiscal year in the series	€ 2,658,928 Balance sheet total 2025: € 2,658,928 ▲ 11% vs 2024 (€ 2,392,910) Unchanged	▲ 11%
Employees (FTE)	8.9 Employees (FTE) 2024: 8.9 First fiscal year in the series	9.2 Employees (FTE) 2025: 9.2 ▲ 0.3 vs 2024 (8.9) Unchanged	▲ 0.3

Key figures of TD Finance, fiscal years 2024 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 TD Finance?

What happened at TD Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 1, 2026 New annual accounts for financial year 2025: profit of € 743,431 (▲ 78% vs 2024). Source: NBB ↗
Mar 24, 2023 New establishment in Torhout. KBO
Mar 24, 2023 New establishment in Diksmuide. KBO
Mar 24, 2023 Start of the company according to the CBE. KBO
2023 Saint-Pierre-sur-Mer became a director. NBB
2023 Rill BV became a director. NBB
2023 Inge Claeys BVBA became a director. NBB
2023 Finesto CommV became a director. NBB

In short

From € 416,659 profit in 2024 to € 743,431 profit in 2025.

Paid € 38,918 in corporate taxes since 2024.

Best year ever: 2025, with € 743,431 profit.

On average € 187,700 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

INGE CLAEYS 35%

NICAMI 17%

RILL

The stake of INGE CLAEYS, NICAMI, RILL comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

TD Finance

Behind TD Finance are Saint-Pierre-sur-Mer, Rill BV, Inge Claeys BVBA and Finesto CommV. The shares are held by INGE CLAEYS (35%), NICAMI (17%) and RILL.