Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 3.7 to 2.4.
Financials
Financial year 2025
Fintradvies from Hasselt, company number BE0833519515, closed financial year 2025 with a result of € 164,201 after tax. For that financial year Fintradvies recorded a gross margin of € 408,928 and equity of € 311,775. Compared with financial year 2024, the result moved from € 161,879 to € 164,201. 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 July 15, 2026.
€ 311,775
▲ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 164,201
▲ 1% vs 2024
Profit after tax over the fiscal year.
€ 347,800
▼ 7% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 150,000 paid out
91 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
2.4
▼ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 187,585
▼ 8% vs 2024
€ 78,200 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.
€ 14,018
▼ 7% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 144,475
▼ 27% vs 2024
€ 44,743 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 13,548
▲ 42% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 11,967
▼ 49% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,151,308 | - | - | - | |
| Gross margin | € 571,826 | € 551,557 | € 427,276 | € 408,928 | ▼ 4% |
| Profit after taxes | € 243,936 | € 203,579 | € 161,879 | € 164,201 | ▲ 1% |
| Equity | € 252,116 | € 285,695 | € 297,574 | € 311,775 | ▲ 5% |
| Total debts | € 569,412 | € 468,867 | € 380,821 | € 320,047 | ▼ 16% |
| Cash | € 444,612 | € 452,722 | € 374,085 | € 347,800 | ▼ 7% |
| Land & buildings | € 130,606 | € 109,678 | € 96,107 | € 80,049 | ▼ 17% |
| Retained profit | € 207,116 | € 240,695 | € 252,574 | € 266,775 | ▲ 6% |
| Dividend | € 225,000 | € 170,000 | € 150,000 | € 150,000 | |
| Bank debt | € 302,073 | € 251,293 | € 197,836 | € 144,475 | ▼ 27% |
| Balance sheet total | € 821,528 | € 754,562 | € 678,395 | € 631,822 | ▼ 7% |
| Employees (FTE) | 3.7 | 3.7 | 2.7 | 2.4 | ▼ 0.3 |
Key figures of Fintradvies, 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 Fintradvies?
What happened at Fintradvies in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 164,201 (▲ 1% vs 2024). Source: NBB ↗
- LoRhu Management BV became a director. NBB
- JMB Consulting Comm.V became a director. NBB
- Valorum Management BV became a director. NBB
- JDM Management Comm.V became a director. NBB
- Roying Management CommV became a director. NBB
- New establishment in Hasselt. KBO
- FS&B Management BV became a director. NBB
In short
From € 243,936 profit in 2022 to € 164,201 profit in 2025.
Paid € 50,435 in corporate taxes since 2022.
Best year ever: 2022, with € 243,936 profit.
On average € 170,400 of value added per employee in 2025.
A new publication or filing at Fintradvies? We notify you, reason included.
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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
The stake of LoRhu Management, FS&B Management, Valorum Management comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FintradviesBehind Fintradvies are FS&B Management BV, Roying Management CommV, LoRhu Management BV, JMB Consulting Comm.V, Valorum Management BV and JDM Management Comm.V. The shares are held by LoRhu Management (30%), FS&B Management (25%) and Valorum Management (10%).
Directors
According to the 2025 annual accounts
Director · represented by Fabienne Snytsers
since 2011
Director · represented by Roy Warnier
since 2014
Director · represented by Jurgen Alen
since 2024
since 2020
Managing director · represented by Guido Ferrari
since 2020
Director · represented by Jonathan Demyttenaere
since 2019
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kerkhofstraat 64 box 0.01
3500 Hasselt
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0833.519.515
- VAT number
- BE 0833.519.515
- Registered office
- Kerkhofstraat 64 bus 0.01, 3500 Hasselt
- Names & denominations
- Fintradvies
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 January 2011
- Peppol
- Active · Active since 16 Jul 2025
- Contact
- raed.be [email protected] 011/26.13.16
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars