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 2 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 0 % of short-term debt in 2025; threshold 65 %.
-
Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Société d'Etudes et de Conseils Financiers from Dalhem, company number BE0887446763, closed financial year 2025 with a result of € -2,083 after tax. For that financial year Société d'Etudes et de Conseils Financiers recorded a gross margin of € -1,385 and equity of € -3,085. Compared with financial year 2024, the result moved from € -10,762 to € -2,083. 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 March 11, 2026.
€ -3,085
▲ € 1,717 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2,083
▲ 81 % less loss than in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -9,285.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 2,994
Loans from banks and other lenders, long and short.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -457 | € 425 | € -64 | € -1,385 | ▼ € 1,321 |
| Profit after taxes | € -1,148 | € -273 | € -10,762 | € -2,083 | ▲ € 8,679 |
| Equity | € 6,233 | € 5,960 | € -4,802 | € -3,085 | ▲ € 1,717 |
| Total debts | € 3,767 | € 4,040 | € 4,802 | € 3,085 | ▼ 36% |
| Retained profit | € 33 | € -240 | € -11,002 | € -9,285 | ▲ € 1,717 |
| Bank debt | € 2,987 | € 2,980 | € 2,993 | € 2,994 | |
| Balance sheet total | € 10,000 | € 10,000 | € 0 | € 0 |
Key figures of Société d'Etudes et de Conseils Financiers, 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 Société d'Etudes et de Conseils Financiers?
What happened at Société d'Etudes et de Conseils Financiers in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 2,083. Source: NBB ↗
- Olivier NIVELLE became a director. NBB
- New establishment in Dalhem. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,148 loss in 2022 to € 2,083 loss in 2025.
A new publication or filing at Société d'Etudes et de Conseils Financiers? We notify you, reason included.
Follow Société d'Etudes et de Conseils FinanciersDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 Société d'Etudes et de Conseils Financiers is Olivier NIVELLE. Olivier NIVELLE is also behind Jobe Racing Team, PATEURO IMPORT, Administrative and Financial Services Business and M.O.H. SERVICES.
Directors
According to the 2025 annual accounts
Olivier NIVELLE
Director
Also active at: Jobe Racing Team, PATEURO IMPORT, Administrative and Financial Services Business, M.O.H. SERVICES
since 2023
Establishments
Establishment units
Physical locations of this company
Rue de Trembleur(FEN) 22
4607 Dalhem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0887.446.763
- VAT number
- BE 0887.446.763
- Registered office
- Rue de Trembleur(FEN) 22, 4607 Dalhem
- Names & denominations
- Société d'Etudes et de Conseils Financiers · SECOFIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 February 2007
- Peppol
- Not registered