Warning lights
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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Negative equity NBB
More debt than assets in 2 of the last 2 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 46 % of short-term debt in 2024; threshold 65 %.
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Legal situation KBO
Vrijwillige ontbinding – vereffening according to the CBE.
Financials
Financial year 2024
B.C. FINANCES from Waremme, company number BE0825526715, closed financial year 2024 with a result of € -10,356 after tax. For that financial year B.C. FINANCES recorded a gross margin of € -150 and equity of € -311,566. Compared with financial year 2022, the result moved from € 1,817 to € -10,356. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 20, 2025.
€ -311,566
▼ € 9,347 vs 2022
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -10,356
▼ still € 1,817 profit in 2022
Profit after tax over the fiscal year.
€ 24,307
▼ 20% vs 2022
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -317,766.
People and assets in 2024
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2024
€ 276,423
€ 26,930 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 8,441
Supplier invoices still open on the last day of the fiscal year.
€ 25,932
Taxes, VAT and social contributions still to pay.
| 2022 | 2024 | Change 2022 → 2024 | |
|---|---|---|---|
| Gross margin | € 474 | € -150 | ▼ € 624 |
| Profit after taxes | € 1,817 | € -10,356 | ▼ € 12,173 |
| Equity | € -302,220 | € -311,566 | ▼ € 9,347 |
| Total debts | € 353,926 | € 353,926 | |
| Cash | € 30,495 | € 24,307 | ▼ 20% |
| Retained profit | € -308,420 | € -317,766 | ▼ € 9,347 |
| Bank debt | € 276,423 | € 276,423 | |
| Balance sheet total | € 51,706 | € 42,359 | ▼ 18% |
Key figures of B.C. FINANCES, fiscal years 2022 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to B.C. FINANCES?
What happened at B.C. FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
B.C. FINANCES is active according to the CBE. Legal situation: Vrijwillige ontbinding – vereffening.
- New annual accounts for financial year 2024: loss of € 10,356 (▼ € 12,173 vs 2022). Source: NBB ↗
- Frédéric KERSTENNE became a director. NBB
- New establishment in Waremme. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,817 profit in 2022 to € 10,356 loss in 2024.
Best year ever: 2022, with € 1,817 profit.
Management
Behind B.C. FINANCES is Frédéric KERSTENNE. Frédéric KERSTENNE is also behind Kurth-Viandes, LOREFAC, GESCOM, Bureau d'Etude Lovinfosse - Preud'homme and AF SERVICES.
Directors
According to the 2024 annual accounts
Frédéric KERSTENNE
Liquidator
Also active at: Kurth-Viandes, LOREFAC, GESCOM, Bureau d'Etude Lovinfosse - Preud'homme, AF SERVICES, HERVE DUYSENS, BUREAU GODIN
since 2013
Establishments
Establishment units
Physical locations of this company
Avenue Guillaume Joachim 44
4300 Waremme
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0825.526.715
- VAT number
- BE 0825.526.715
- Registered office
- Avenue Guillaume Joachim 44, 4300 Waremme
- Names & denominations
- B.C. FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Vrijwillige ontbinding – vereffening
- Start date
- 30 April 2010
- Peppol
- Not registered