Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINANCIAL LOYALTY from Mechelen, company number BE0884281197, closed financial year 2025 with a result of € -147,982 after tax. For that financial year FINANCIAL LOYALTY recorded a gross margin of € 806,028 and equity of € 97,300. Compared with financial year 2024, the result moved from € -71,769 to € -147,982. The company made a loss. The buffer shrank hard: equity is 60 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 29, 2026.
€ 97,300
▼ 60% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -147,982
▼ 106 % more loss than in 2024
Profit after tax over the fiscal year.
€ 2,375
▼ 52% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 91,100.
People and assets in 2025
10.2
▼ 1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 718,220
▼ 6% vs 2024
€ 70,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 3,751
▼ 40% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 753,352
▲ 5% vs 2024
€ 197,492 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 15,152
▲ 64% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 130,755
▼ 7% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 686,878 | € 796,694 | € 905,083 | € 806,028 | ▼ 11% |
| Profit after taxes | € 54,798 | € 33,376 | € -71,769 | € -147,982 | ▼ € 76,214 |
| Equity | € 283,674 | € 317,051 | € 245,282 | € 97,300 | ▼ 60% |
| Total debts | € 522,493 | € 878,295 | € 903,957 | € 997,258 | ▲ 10% |
| Cash | € 120,011 | € 120,953 | € 4,942 | € 2,375 | ▼ 52% |
| Land & buildings | € 398,162 | € 341,873 | € 445,706 | € 511,699 | ▲ 15% |
| Retained profit | € 277,474 | € 310,851 | € 239,082 | € 91,100 | ▼ 62% |
| Bank debt | € 427,514 | € 777,468 | € 714,112 | € 753,352 | ▲ 5% |
| Balance sheet total | € 806,167 | € 1,195,345 | € 1,149,239 | € 1,094,558 | ▼ 5% |
| Employees (FTE) | 8 | 9.1 | 11.2 | 10.2 | ▼ 1 |
Key figures of FINANCIAL LOYALTY, 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 FINANCIAL LOYALTY?
What happened at FINANCIAL LOYALTY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 147,982. Source: NBB ↗
- New establishment in Antwerpen. KBO
- Verschueren Consulting CommV became a director. NBB
- VAN ASCH-NOBELS VOF became a director. NBB
- GEERTS JO VOF became a director. NBB
- New establishment in Mechelen. KBO
- Start of the company according to the CBE. KBO
In short
From € 54,798 profit in 2022 to € 147,982 loss in 2025.
Paid € 56,832 in corporate taxes since 2022.
Best year ever: 2022, with € 54,798 profit.
On average € 79,000 of value added per employee 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 FINANCIAL LOYALTY are VAN ASCH-NOBELS VOF, W BeLiV consultancy BV, GEERTS JO VOF and Verschueren Consulting CommV. The shares are held by VAN ASCH-NOBELS, W BeLiV consultancy, GEERTS JO and Verschueren Consulting.
Directors
According to the 2025 annual accounts
Director · represented by Barthold Van Asch
since 2013
Director · represented by Wim Bellekens
Director · represented by Johan Geerts
since 2013
Director · represented by Nick Verschueren
since 2020
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
IJzerenleen 50
2800 Mechelen
IJzerenleen 50/52
2800 Mechelen
Active since 6 October 2006
Frankrijklei 65 box 1
2000 Antwerpen
Active since 1 July 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0884.281.197
- VAT number
- BE 0884.281.197
- Registered office
- IJzerenleen 50, 2800 Mechelen
- Names & denominations
- FINANCIAL LOYALTY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 October 2006
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars