Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
104 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
FINANCE AND SERVICES from Brussel, company number BE0877611854, closed financial year 2025 with a result of € -7,273 after tax. For that financial year FINANCE AND SERVICES recorded a gross margin of € 1,239 and equity of € -75,964. Compared with financial year 2024, the result moved from € -9,346 to € -7,273. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 22, 2026.
€ -75,964
▼ € 7,273 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7,273
▲ 22 % less loss than in 2024
Profit after tax over the fiscal year.
€ 101
▼ 12% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -94,564.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 25,000
Loans from banks and other lenders, long and short.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -7,526 | € -43,972 | € -7,849 | € 1,239 | ▲ € 9,088 |
| Profit after taxes | € -8,039 | € -44,691 | € -9,346 | € -7,273 | ▲ € 2,073 |
| Equity | € -14,653 | € -59,344 | € -68,691 | € -75,964 | ▼ € 7,273 |
| Total debts | € 22,674 | € 69,027 | € 76,713 | € 77,089 | |
| Cash | € 113 | - | € 115 | € 101 | ▼ 12% |
| Retained profit | € -33,253 | € -77,944 | € -87,291 | € -94,564 | ▼ € 7,273 |
| Bank debt | € 0 | € 5,000 | € 25,000 | € 25,000 | |
| Balance sheet total | € 8,020 | € 9,683 | € 8,022 | € 1,126 | ▼ 86% |
Key figures of FINANCE AND SERVICES, 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 FINANCE AND SERVICES?
What happened at FINANCE AND SERVICES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 7,273. Source: NBB ↗
- GHITA BELHAJ became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 8,039 loss in 2022 to € 7,273 loss in 2025.
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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
Behind FINANCE AND SERVICES is GHITA BELHAJ . GHITA BELHAJ is also behind SODACOLA EUROPE.
Directors
According to the 2025 annual accounts
since 2005
Establishments
Establishment units
Physical locations of this company
Robert Schumanplein 2-4
1040 Brussel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 104 companies are registered at this address.
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€ 190,243 gross margin · 2024
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OFP GE EUROPEAN PENSION FUND
DEKOM BELGIUM
€ 702,789 gross margin · 2025
+99 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0877.611.854
- VAT number
- BE 0877.611.854
- Registered office
- Robert Schumanplein 2-4, 1040 Brussel
- Names & denominations
- FINANCE AND SERVICES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 November 2005
- Peppol
- Active · Active since 17 Aug 2026
- Contact
- [email protected] 0032466181919