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Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
CL Finances from Amay, company number BE0801646503, closed financial year 2025 with a result of € 314,986 after tax. For that financial year CL Finances recorded a gross margin of € 801,024 and equity of € 811,646. Compared with financial year 2024, the result moved from € 335,197 to € 314,986. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 22, 2026.
€ 811,646
▲ 70% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 314,986
▼ 6% vs 2024
Profit after tax over the fiscal year.
€ 448,952
▲ 70% 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 € 771,646.
People and assets in 2025
€ 165,177
▲ 43% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 23,721
▲ 93% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1 million
▼ 10% vs 2024
€ 125,326 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 1,162
▼ 65% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 35,490
▼ 39% vs 2024
Taxes, VAT and social contributions still to pay.
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 272,779 | € 766,295 | € 801,024 | ▲ 5% |
| Profit after taxes | € 121,463 | € 335,197 | € 314,986 | ▼ 6% |
| Equity | € 141,463 | € 476,660 | € 811,646 | ▲ 70% |
| Total debts | € 711,955 | € 1,224,815 | € 1,134,075 | ▼ 7% |
| Cash | € 78,998 | € 264,411 | € 448,952 | ▲ 70% |
| Land & buildings | - | € 586,607 | € 582,412 | ▼ 1% |
| Retained profit | € 121,463 | € 456,660 | € 771,646 | ▲ 69% |
| Bank debt | € 655,940 | € 1,152,372 | € 1,036,520 | ▼ 10% |
| Balance sheet total | € 853,418 | € 1,701,475 | € 1,998,810 | ▲ 17% |
Key figures of CL 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 CL Finances?
What happened at CL 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 € 314,986 (▼ 6% vs 2024). Source: NBB ↗
- New establishment in Amay. KBO
- Cédric Lacroix became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 121,463 profit in 2023 to € 314,986 profit in 2025.
Paid € 269,914 in corporate taxes since 2023.
Best year ever: 2024, with € 335,197 profit.
Management
Behind CL Finances is Cédric Lacroix.
Directors
According to the 2025 annual accounts
Cédric Lacroix
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Rue Paul Janson(AMA) 10
4540 Amay
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0801.646.503
- VAT number
- BE 0801.646.503
- Registered office
- Rue Paul Janson(AMA) 10, 4540 Amay
- Names & denominations
- CL Finances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 May 2023
- Peppol
- Not registered
- Activities · NACE
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