Financials
Financial year 2025
FINARMONIA from Waterloo, company number BE0886322949, closed financial year 2025 with a result of € -4,773 after tax. For that financial year FINARMONIA recorded a gross margin of € 152,076 and equity of € 242,148. Compared with financial year 2024, the result moved from € 100,077 to € -4,773. The company made a loss. The buffer shrank hard: equity is 60 % below last year. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on April 24, 2026.
€ 242,148
▼ 60% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -4,773
▼ still € 100,077 profit in 2024
Profit after tax over the fiscal year.
€ 18,593
▲ € 15,216 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 148,548.
People and assets in 2025
€ 35,565
▲ 32% 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.
€ 13,728
▼ 13% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 4,905
▲ 185% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 49,266
▲ 61% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 392,712 | € 154,522 | € 263,260 | € 152,076 | ▼ 42% |
| Profit after taxes | € 224,659 | € 31,642 | € 100,077 | € -4,773 | ▼ € 104,850 |
| Equity | € 562,659 | € 594,301 | € 604,379 | € 242,148 | ▼ 60% |
| Total debts | € 332,734 | € 176,624 | € 222,547 | € 414,616 | ▲ 86% |
| Cash | € 205,905 | € 17,630 | € 3,377 | € 18,593 | ▲ € 15,216 |
| Land & buildings | € 65,340 | € 52,272 | € 39,204 | € 26,136 | ▼ 33% |
| Retained profit | € 469,059 | € 500,701 | € 510,779 | € 148,548 | ▼ 71% |
| Dividend | € 81,341 | € 0 | € 90,000 | € 357,457 | ▲ 297% |
| Bank debt | € 135,327 | € 86,745 | € 94,000 | € 0 | ▼ 100% |
| Balance sheet total | € 952,836 | € 828,996 | € 893,088 | € 736,162 | ▼ 18% |
Key figures of FINARMONIA, 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 FINARMONIA?
What happened at FINARMONIA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 4,773 (▼ € 104,850 vs 2024). Source: NBB ↗
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
In short
From € 224,659 profit in 2022 to € 4,773 loss in 2025.
Paid € 165,250 in corporate taxes since 2022.
Best year ever: 2022, with € 224,659 profit.
Paid out € 528,798 in dividends to the owners in total.
A new publication or filing at FINARMONIA? 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
Behind FINARMONIA is Benoît LEMAN. Benoît LEMAN is also behind FINALYSE, FINAVEST and FINALYSE GROUP.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Avenue Henri Houssaye 32
1410 Waterloo
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0886.322.949
- VAT number
- BE 0886.322.949
- Registered office
- Avenue Henri Houssaye 32, 1410 Waterloo
- Names & denominations
- FINARMONIA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 December 2006
- Peppol
- Active · Active since 24 Nov 2025
- Activities · NACE
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