Financials
Financial year 2025
FIENCO from De Haan, company number BE0884653658, closed financial year 2025 with a result of € 165,654 after tax. For that financial year FIENCO recorded a gross margin of € 467,739 and equity of € 238,733. Compared with financial year 2024, the result moved from € 91,381 to € 165,654. 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 July 22, 2026.
€ 238,733
▲ 9% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 165,654
▲ 81% vs 2024
Profit after tax over the fiscal year.
€ 165,453
▲ 45% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 140,000 paid out
85 % of the profit went to the shareholders, mostly to De Rudder Fien (50 % of the shares). That is where the money ends up.
People and assets in 2025
3.5
▲ 1.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 247,431
▲ 46% vs 2024
€ 70,700 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.
€ 41,567
▲ 36% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 360,888
▲ € 341,206 vs 2024
€ 45,200 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 47,401
▲ € 45,995 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 28,744
▲ 53% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 350,252 | € 444,129 | € 294,835 | € 467,739 | ▲ 59% |
| Profit after taxes | € 159,933 | € 189,000 | € 91,381 | € 165,654 | ▲ 81% |
| Equity | € 151,575 | € 190,576 | € 218,117 | € 238,733 | ▲ 9% |
| Total debts | € 196,165 | € 219,330 | € 120,499 | € 601,150 | ▲ € 480,651 |
| Cash | € 224,301 | € 303,996 | € 114,293 | € 165,453 | ▲ 45% |
| Land & buildings | € 35,167 | € 28,781 | € 100,297 | € 83,956 | ▼ 16% |
| Retained profit | € 92,975 | € 131,976 | € 159,517 | € 180,133 | ▲ 13% |
| Dividend | € 135,000 | € 150,000 | € 60,000 | € 140,000 | ▲ 133% |
| Bank debt | € 35,642 | € 28,186 | € 19,682 | € 360,888 | ▲ € 341,206 |
| Balance sheet total | € 347,740 | € 409,906 | € 338,615 | € 839,883 | ▲ 148% |
| Employees (FTE) | 2.4 | 3 | 2.4 | 3.5 | ▲ 1.1 |
Key figures of FIENCO, 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 FIENCO?
What happened at FIENCO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 165,654 (▲ 81% vs 2024). Source: NBB ↗
- New establishment in Blankenberge. KBO
- Maxdem BV became a director. NBB
- New establishment in Bredene. KBO
- De Rudder Fien BV became a director. NBB
- Lijsternest Commv became a director. NBB
- Zwaenepoel NCA BV became a director. NBB
- New establishment in De Haan. KBO
In short
From € 159,933 profit in 2022 to € 165,654 profit in 2025.
Paid € 52,292 in corporate taxes since 2022.
Best year ever: 2023, with € 189,000 profit.
On average € 133,600 of value added per employee in 2025.
A new publication or filing at FIENCO? We notify you, reason included.
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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
The stake of De Rudder Fien, ZWAENEPOEL NCA, MAXDEM comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FIENCOBehind FIENCO are De Rudder Fien BV, Lijsternest Commv, Maxdem BV and Zwaenepoel NCA BV. The shares are held by De Rudder Fien (50%), ZWAENEPOEL NCA (18.8%) and MAXDEM (12.5%).
Directors
According to the 2025 annual accounts
Director
since 2020
Director
since 2020
Director
since 2024
Director
since 2020
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Vosseslag 123 box .00/01
8420 De Haan
Vosseslag 123 box b0.01
8420 De Haan
Active since 15 November 2006
Sluizenstraat 44
8450 Bredene
Active since 24 March 2020
Kerkstraat 341 box b0001
8370 Blankenberge
Active since 1 April 2025
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.
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Details
- Company number
- 0884.653.658
- VAT number
- BE 0884.653.658
- Registered office
- Vosseslag 123 bus .00/01, 8420 De Haan
- Names & denominations
- FIENCO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 October 2006
- Peppol
- Active · Active since 6 Nov 2025
- Contact
- fienco.be [email protected] 059 23 45 27
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars