Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 60 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
TOPFIN from Ronse, company number BE0845278784, closed financial year 2025 with a result of € 7,867 after tax. For that financial year TOPFIN recorded a gross margin of € 140,386 and equity of € 94,649. Compared with financial year 2024, the result moved from € -49,607 to € 7,867. 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 December 25, 2025.
€ 94,649
▲ 9% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,867
▲ still € 49,608 loss in 2024
Profit after tax over the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -5,351.
People and assets in 2025
€ 112,787
▼ 12% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 14,666
▼ 55% vs 2024
€ 835 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 27,014
▲ € 25,958 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 20,474
▲ 30% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 147,388 | € 150,984 | € 98,721 | € 140,386 | ▲ 42% |
| Profit after taxes | € 1,684 | € 4,475 | € -49,607 | € 7,867 | ▲ € 57,474 |
| Equity | € 131,914 | € 136,389 | € 86,782 | € 94,649 | ▲ 9% |
| Total debts | € 148,485 | € 146,402 | € 155,148 | € 163,263 | ▲ 5% |
| Cash | € 23,200 | € 43,669 | - | - | |
| Retained profit | € 31,914 | € 36,389 | € -13,218 | € -5,351 | ▲ € 7,867 |
| Bank debt | € 0 | € 34,001 | € 32,401 | € 14,666 | ▼ 55% |
| Balance sheet total | € 280,399 | € 282,791 | € 241,930 | € 257,911 | ▲ 7% |
| Employees (FTE) | 3 | 3 | - | - |
Key figures of TOPFIN, 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 October 2026.
What happened to TOPFIN?
What happened at TOPFIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 7,867. filed late Source: NBB ↗
- New establishment in Ronse. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,684 profit in 2022 to € 7,867 profit in 2025.
Paid € 3,458 in corporate taxes since 2022.
Best year ever: 2025, with € 7,867 profit.
On average € 50,300 of value added per employee in 2023.
Management
Behind TOPFIN is Optiverdo BV.
Directors
According to the 2025 annual accounts
Director · represented by Stijn Verdonck
Establishments
Establishment units
Physical locations of this company
Pontstraat 150
9600 Ronse
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0845.278.784
- VAT number
- BE 0845.278.784
- Registered office
- Pontstraat 150, 9600 Ronse
- Names & denominations
- TOPFIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 April 2012
- Peppol
- Active · Active since 4 Jan 2026
- Activities · NACE
Schrijnwerk
Overige werkzaamheden in verband met de afwerking van gebouwen
Handelsbemiddeling in de groothandel in hout en bouwmaterialen
Stukadoorswerk