Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 26 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINARIUS - CREDIT & RISK INSURANCE from Liège, company number BE0886478743, closed financial year 2025 with a result of € 7,253 after tax. For that financial year FINARIUS - CREDIT & RISK INSURANCE recorded a gross margin of € 8,145 and equity of € 11,677. Compared with financial year 2024, the result moved from € -16,542 to € 7,253. 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 31, 2026.
€ 11,677
▲ 164% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,253
▲ still € 16,542 loss in 2024
Profit after tax over the fiscal year.
€ 8,837
▲ 150% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -88,323.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 13,495
▼ 50% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1,226
▲ 37% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 12,982 | € -3,030 | € -15,575 | € 8,145 | ▲ € 23,720 |
| Profit after taxes | € 11,681 | € -4,713 | € -16,542 | € 7,253 | ▲ € 23,796 |
| Equity | € 25,679 | € 20,966 | € 4,423 | € 11,677 | ▲ 164% |
| Total debts | € 33,370 | € 34,047 | € 62,109 | € 57,458 | ▼ 7% |
| Cash | € 2,957 | € 1,580 | € 3,533 | € 8,837 | ▲ 150% |
| Retained profit | € -74,321 | € -79,034 | € -95,577 | € -88,323 | ▲ € 7,253 |
| Balance sheet total | € 59,049 | € 55,013 | € 66,533 | € 69,134 | ▲ 4% |
Key figures of FINARIUS - CREDIT & RISK INSURANCE, 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 FINARIUS - CREDIT & RISK INSURANCE?
What happened at FINARIUS - CREDIT & RISK INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- D.B.M SRL stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 7,253. Source: NBB ↗
- D.B.M SRL became a director. NBB
- New establishment in Liège. KBO
- Start of the company according to the CBE. KBO
In short
From € 11,681 profit in 2022 to € 7,253 profit in 2025.
Best year ever: 2022, with € 11,681 profit.
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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
Directors
According to the 2025 annual accounts
Managing director · represented by Christian Dubernard
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Rue Forgeur 1
4000 Liège
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
- 0886.478.743
- VAT number
- BE 0886.478.743
- Registered office
- Rue Forgeur 1, 4000 Liège
- Names & denominations
- FINARIUS - CREDIT & RISK INSURANCE · FINARIUS
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 17 January 2007
- Peppol
- Active · Active since 21 Jan 2026
- Activities · NACE
Verstrekken van hypothecair krediet
Factoring
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Rechtstreekse verzekeringsverrichtingen niet-leven
Overige financiële dienstverlening, neg
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering