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 46 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
Celofin from Mouscron, company number BE0837610935, closed financial year 2024 with a result of € 90,981 after tax. For that financial year Celofin recorded a gross margin of € 153,704 and equity of € 347,168. Compared with financial year 2023, the result moved from € 194,867 to € 90,981. 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 November 28, 2025.
€ 347,168
▲ 19% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 90,981
▼ 53% vs 2023
Profit after tax over the fiscal year.
€ 2,174
▼ 99% vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 35,000 paid out
38 % of the profit went to the shareholders, the rest stayed in the company.
Debts at end 2024
€ 603,461
▼ 5% vs 2023
€ 31,311 is repaid this year. At this pace the long-term loan is gone in ≈ 19 years.
€ 6,077
▼ 48% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 53,016
▲ 47% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 112,997 | € 123,719 | € 150,263 | € 153,704 | ▲ 2% |
| Profit after taxes | € 94,104 | € 37,045 | € 194,867 | € 90,981 | ▼ 53% |
| Equity | € 124,275 | € 131,320 | € 291,187 | € 347,168 | ▲ 19% |
| Total debts | € 744,720 | € 748,763 | € 726,369 | € 710,446 | ▼ 2% |
| Cash | € 30,741 | € 459 | € 227,170 | € 2,174 | ▼ 99% |
| Land & buildings | € 625,207 | € 610,184 | € 469,587 | € 458,123 | ▼ 2% |
| Retained profit | € 105,675 | € 112,720 | € 270,727 | € 326,708 | ▲ 21% |
| Dividend | € 0 | € 30,000 | € 35,000 | € 35,000 | |
| Bank debt | € 684,114 | € 677,708 | € 638,319 | € 603,461 | ▼ 5% |
| Balance sheet total | € 905,153 | € 914,557 | € 1,090,954 | € 1,129,280 | ▲ 4% |
Key figures of Celofin, fiscal years 2021 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 Celofin?
What happened at Celofin in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 90,981 (▼ 53% vs 2023). filed late Source: NBB ↗
- New establishment in Mouscron. KBO
- Start of the company according to the CBE. KBO
In short
From € 94,104 profit in 2021 to € 90,981 profit in 2024.
Paid € 68,148 in corporate taxes since 2021.
Best year ever: 2023, with € 194,867 profit.
Paid out € 100,000 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
Directors
According to the 2024 annual accounts
Simon Desbonnet
Director
Establishments
Establishment units
Physical locations of this company
Castertstraat 79
7700 Mouscron
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0837.610.935
- VAT number
- BE 0837.610.935
- Registered office
- Castertstraat 79, 7700 Mouscron
- Names & denominations
- Celofin
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 July 2011
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis