Financials
Financial year 2025
L Finances et Assurances from Charleroi, company number BE0803289365, closed financial year 2025 with a result of € 131,062 after tax. For that financial year L Finances et Assurances recorded a gross margin of € 450,501 and equity of € 227,700. Compared with financial year 2024, the result moved from € 135,690 to € 131,062. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2026.
€ 227,700
▲ 136% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 131,062
▼ 3% vs 2024
Profit after tax over the fiscal year.
€ 207,947
▲ 79% 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 € 197,700.
People and assets in 2025
€ 130,729
▲ 80% 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.
€ 2,194
▼ 56% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 749,601
▼ 13% vs 2024
€ 118,844 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 34,283
▼ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 18,910
▲ 125% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € -14,173 | € 383,289 | € 450,501 | ▲ 18% |
| Profit after taxes | € -69,052 | € 135,690 | € 131,062 | ▼ 3% |
| Equity | € -39,052 | € 96,638 | € 227,700 | ▲ 136% |
| Total debts | € 1,113,026 | € 947,167 | € 805,409 | ▼ 15% |
| Cash | € 41,756 | € 116,263 | € 207,947 | ▲ 79% |
| Retained profit | € -69,052 | € 66,638 | € 197,700 | ▲ 197% |
| Bank debt | € 900,000 | € 863,238 | € 749,601 | ▼ 13% |
| Balance sheet total | € 1,073,974 | € 1,043,805 | € 1,033,109 | ▼ 1% |
Key figures of L Finances et Assurances, 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 L Finances et Assurances?
What happened at L Finances et Assurances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 131,062 (▼ 3% vs 2024). filed late Source: NBB ↗
- JFOAM SRL became a director. NBB
- VVAL SRL became a director. NBB
- New establishment in Charleroi. KBO
- BMLM SRL became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 69,052 loss in 2023 to € 131,062 profit in 2025.
Paid € 70,063 in corporate taxes since 2023.
Best year ever: 2024, with € 135,690 profit.
Management
Behind L Finances et Assurances are JFOAM SRL, BMLM SRL and VVAL SRL. BMLM SRL is also behind VVAL.
Establishments
Establishment units
Physical locations of this company
Rue Sabatier 1
6001 Charleroi
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
- 0803.289.365
- VAT number
- BE 0803.289.365
- Registered office
- Rue Sabatier 1, 6001 Charleroi
- Names & denominations
- L Finances et Assurances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 June 2023
- Peppol
- Active · Active since 30 Jun 2025
- Activities · NACE
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