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 62 % 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
Fin4you from Knokke-Heist, company number BE0839261816, closed financial year 2025 with a result of € 7,256 after tax. For that financial year Fin4you recorded a gross margin of € 44,584 and equity of € 15,260. Compared with financial year 2024, the result moved from € -2,301 to € 7,256. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on April 30, 2026.
€ 15,260
▲ 91% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,256
▲ still € 2,301 loss in 2024
Profit after tax over the fiscal year.
€ 870
▲ 16% 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 € -24,740.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 11,071
▼ 43% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 73,857
Loans from banks and other lenders, long and short.
€ 4,895
▲ 30% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 32,170 | € 40,238 | € 36,186 | € 44,584 | ▲ 23% |
| Profit after taxes | € -10,113 | € 6,461 | € -2,301 | € 7,256 | ▲ € 9,557 |
| Equity | € -29,957 | € 10,304 | € 8,004 | € 15,260 | ▲ 91% |
| Total debts | € 131,308 | € 84,576 | € 79,853 | € 79,057 | ▼ 1% |
| Cash | € 3,059 | € 0 | € 749 | € 870 | ▲ 16% |
| Retained profit | € -36,157 | € -29,696 | € -31,996 | € -24,740 | ▲ € 7,256 |
| Bank debt | € 128,609 | € 82,088 | € 74,178 | € 73,857 | |
| Balance sheet total | € 101,351 | € 94,880 | € 87,856 | € 94,316 | ▲ 7% |
Key figures of Fin4you, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to Fin4you?
What happened at Fin4you in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 7,256. Source: NBB ↗
- New establishment in Beveren-Kruibeke-Zwijndrecht. KBO
- New establishment in Knokke-Heist. KBO
- New establishment in Sint-Niklaas. KBO
- Start of the company according to the CBE. KBO
In short
From € 10,113 loss in 2022 to € 7,256 profit in 2025.
Paid € 23,561 in corporate taxes since 2022.
Best year ever: 2025, with € 7,256 profit.
Management
Behind Fin4you is Stéphane Goossens. Stéphane Goossens is also behind Ducorta.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Schildeken 83
8301 Knokke-Heist
Parklaan 48
9100 Sint-Niklaas
Active since 14 September 2011
Oude Zandstraat(BEV) 10 box 3
9120 Beveren-Kruibeke-Zwijndrecht
Active since 12 October 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0839.261.816
- VAT number
- BE 0839.261.816
- Registered office
- Schildeken 83, 8301 Knokke-Heist
- Names & denominations
- Fin4you
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 September 2011
- Peppol
- Not registered