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 31 % 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
G M FINANCES from Limbourg, company number BE0859983093, closed financial year 2025 with a result of € 11,260 after tax. For that financial year G M FINANCES recorded a gross margin of € 162,904 and equity of € 106,531. Compared with financial year 2024, the result moved from € 3,093 to € 11,260. 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 April 24, 2026.
€ 106,531
▲ 12% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 11,260
▲ 264% vs 2024
Profit after tax over the fiscal year.
€ 86
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 87,931.
People and assets in 2025
€ 101,901
▼ 28% 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.
€ 5,571
▲ 184% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 73,401
▼ 29% vs 2024
€ 31,090 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 5,111
▼ 65% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,940
▲ 1% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 184,750 | € 163,039 | € 218,101 | € 162,904 | ▼ 25% |
| Profit after taxes | € 15,126 | € 10,949 | € 3,093 | € 11,260 | ▲ 264% |
| Equity | € 81,229 | € 92,178 | € 95,271 | € 106,531 | ▲ 12% |
| Total debts | € 219,134 | € 172,444 | € 142,006 | € 98,001 | ▼ 31% |
| Cash | € 5,902 | - | - | € 86 | |
| Retained profit | € 62,629 | € 73,578 | € 76,671 | € 87,931 | ▲ 15% |
| Dividend | € 5,000 | € 0 | € 0 | € 0 | |
| Bank debt | € 153,914 | € 126,817 | € 103,988 | € 73,401 | ▼ 29% |
| Balance sheet total | € 300,364 | € 264,623 | € 237,277 | € 204,532 | ▼ 14% |
| Employees (FTE) | 1.2 | - | - | - |
Key figures of G M FINANCES, 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 G M FINANCES?
What happened at G M FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 11,260 (▲ 264% vs 2024). Source: NBB ↗
- New establishment in Limbourg. KBO
- Start of the company according to the CBE. KBO
In short
From € 15,126 profit in 2022 to € 11,260 profit in 2025.
Paid € 35,448 in corporate taxes since 2022.
Best year ever: 2022, with € 15,126 profit.
On average € 154,000 of value added per employee in 2022.
Management
The stake of L&S MANAGEMENT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
G M FINANCESBehind G M FINANCES is LEXARA SRL. The shares are held by L&S MANAGEMENT (100%).
Directors
According to the 2025 annual accounts
Director · represented by Benoît Geuquet
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Ecoles 17
4830 Limbourg
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.
Details
- Company number
- 0859.983.093
- VAT number
- BE 0859.983.093
- Registered office
- Rue des Ecoles 17, 4830 Limbourg
- Names & denominations
- G M FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 August 2003
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars