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 61 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Fin Concept from Koksijde, company number BE0819670586, closed financial year 2025 with a result of € 313 after tax. For that financial year Fin Concept recorded a gross margin of € 38,987 and equity of € 1.7 million. Compared with financial year 2024, the result moved from € -2,604 to € 313. Profitable, and profit is growing. 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 June 29, 2026.
€ 1.7 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 313
▲ still € 2,604 loss in 2024
Profit after tax over the fiscal year.
€ 71,250
▲ € 54,941 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 € 353,615.
People and assets in 2025
€ 3,018
▼ 11% 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.
€ 11,617
▼ 33% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 51,003
▼ 18% vs 2024
Loans from banks and other lenders, long and short.
€ 14,812
▼ 32% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 14,776
▲ 186% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 136,448 | € 9,844 | € 33,312 | € 38,987 | ▲ 17% |
| Profit after taxes | € 60,305 | € -28,629 | € -2,604 | € 313 | ▲ € 2,917 |
| Equity | € 1,723,006 | € 1,694,377 | € 1,681,773 | € 1,682,086 | |
| Total debts | € 152,883 | € 123,835 | € 103,833 | € 139,870 | ▲ 35% |
| Cash | € 45,115 | € 10,468 | € 16,309 | € 71,250 | ▲ € 54,941 |
| Land & buildings | € 469,746 | € 455,763 | € 441,947 | € 428,248 | ▼ 3% |
| Retained profit | € 394,535 | € 365,906 | € 353,302 | € 353,615 | |
| Dividend | € 47,368 | € 0 | € 10,000 | € 0 | ▼ 100% |
| Bank debt | € 88,532 | € 75,199 | € 61,865 | € 51,003 | ▼ 18% |
| Balance sheet total | € 1,875,890 | € 1,818,212 | € 1,785,606 | € 1,821,956 | ▲ 2% |
Key figures of Fin Concept, fiscal years 2022 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 Fin Concept?
What happened at Fin Concept in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 313. Source: NBB ↗
- Filip Hauspie became a director. NBB
- Inge Mariën became a director. NBB
- New establishment in Koksijde. KBO
- Start of the company according to the CBE. KBO
In short
From € 60,305 profit in 2022 to € 313 profit in 2025.
Paid € 40,262 in corporate taxes since 2022.
Best year ever: 2022, with € 60,305 profit.
Paid out € 57,368 in dividends to the owners in total.
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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 Fin Concept are Filip Hauspie and Inge Mariën. It owns 44.8% of Seaflower nv itself.
Directors
According to the 2025 annual accounts
since 2021
since 2021
Establishments
Establishment units
Physical locations of this company
Koninklijke Baan(Kok) 291
8670 Koksijde
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0819.670.586
- VAT number
- BE 0819.670.586
- Registered office
- Koninklijke Baan(Kok) 291, 8670 Koksijde
- Names & denominations
- Fin Concept
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 October 2009
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
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