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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Tight liquidity NBB
Cash and receivables cover 18 % of short-term debt in 2025; threshold 65 %.
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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
Financière Saint-Michel from Etterbeek, company number BE0835701619, closed financial year 2025 with a result of € 3.1 million after tax. For that financial year Financière Saint-Michel recorded a gross margin of € 82,943 and equity of € 24.7 million. Compared with financial year 2024, the result moved from € -3.5 million to € 3.1 million. 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 August 5, 2026.
€ 24.7 million
▲ 15% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3.1 million
▲ still € 3.5 million loss in 2024
Profit after tax over the fiscal year.
€ 915,641
▲ 19% 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 € 24.6 million.
People and assets in 2025
€ 11,879
▼ 37% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 337,848
▼ 24% vs 2024
€ 98,960 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 3,150
▼ 5% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 72,395 | € 83,323 | € 82,385 | € 82,943 | ▲ 1% |
| Profit after taxes | € 7,907,050 | € 410,812 | € -3,519,435 | € 3,139,094 | ▲ € 6.7 million |
| Equity | € 24,641,055 | € 25,051,867 | € 21,532,433 | € 24,671,527 | ▲ 15% |
| Total debts | € 5,821,743 | € 18,037,016 | € 13,530,098 | € 5,996,906 | ▼ 56% |
| Cash | € 1,034,239 | € 457,300 | € 769,194 | € 915,641 | ▲ 19% |
| Land & buildings | € 1,655,889 | € 1,612,477 | € 1,569,064 | € 2,095,399 | ▲ 34% |
| Retained profit | € 24,578,055 | € 24,988,867 | € 21,469,433 | € 24,608,527 | ▲ 15% |
| Bank debt | € 658,097 | € 552,865 | € 446,145 | € 337,848 | ▼ 24% |
| Balance sheet total | € 30,462,798 | € 43,088,884 | € 35,062,531 | € 30,668,433 | ▼ 13% |
Key figures of Financière Saint-Michel, 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 Financière Saint-Michel?
What happened at Financière Saint-Michel in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bernadette Dereume stepped down as director. NBB
- Caroline de Ryckere stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 3.1 million. filed late Source: NBB ↗
- Jean de Ryckere stepped down as director. NBB
- Jean de Ryckere became a director. NBB
- Bernadette Dereume became a director. NBB
- Caroline de Ryckere became a director. NBB
- New establishment in Etterbeek. KBO
In short
From € 7.9 million profit in 2022 to € 3.1 million profit in 2025.
Best year ever: 2022, with € 7.9 million profit.
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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
Directors
According to the 2025 annual accounts
Jean de Ryckere
Director
since 2022 · until 2026
Bernadette Dereume
Director
since 2022 · until 2028
Caroline de Ryckere
Director
since 2022 · until 2028
Establishments
Establishment units
Physical locations of this company
Sint-Michielslaan 21
1040 Etterbeek
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0835.701.619
- VAT number
- BE 0835.701.619
- Registered office
- Sint-Michielslaan 21, 1040 Etterbeek
- Names & denominations
- Financière Saint-Michel
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 21 April 2011
- Peppol
- Not registered