Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 31 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINANCIERE DE L'EUROPE from Couvin, company number BE0890592236, closed financial year 2025 with a result of € 11,753 after tax. For that financial year FINANCIERE DE L'EUROPE recorded a gross margin of € 94,600 and equity of € 121,501. Compared with financial year 2024, the result moved from € 18,352 to € 11,753. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 27, 2026.
€ 121,501
▲ 11% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 11,753
▼ 36% vs 2024
Profit after tax over the fiscal year.
€ 6,603
▼ 54% 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 € 115,301.
People and assets in 2025
€ 12,186
▼ 25% 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.
€ 11,494
▼ 43% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 231,945
▼ 22% vs 2024
€ 75,854 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 4,074
▲ 89% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 9,658
▼ 27% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 57,760 | € 101,326 | € 109,785 | € 94,600 | ▼ 14% |
| Profit after taxes | € 8,934 | € 21,514 | € 18,352 | € 11,753 | ▼ 36% |
| Equity | € 69,882 | € 91,397 | € 109,748 | € 121,501 | ▲ 11% |
| Total debts | € 354,327 | € 374,383 | € 313,809 | € 247,261 | ▼ 21% |
| Cash | € 10,568 | € 3,963 | € 14,480 | € 6,603 | ▼ 54% |
| Retained profit | € 63,682 | € 85,197 | € 103,548 | € 115,301 | ▲ 11% |
| Bank debt | € 348,630 | € 356,095 | € 298,349 | € 231,945 | ▼ 22% |
| Balance sheet total | € 424,209 | € 465,779 | € 423,557 | € 368,763 | ▼ 13% |
Key figures of FINANCIERE DE L'EUROPE, 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 FINANCIERE DE L'EUROPE?
What happened at FINANCIERE DE L'EUROPE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 11,753 (▼ 36% vs 2024). Source: NBB ↗
- New establishment in Couvin. KBO
- Start of the company according to the CBE. KBO
In short
From € 8,934 profit in 2022 to € 11,753 profit in 2025.
Paid € 33,384 in corporate taxes since 2022.
Best year ever: 2023, with € 21,514 profit.
A new publication or filing at FINANCIERE DE L'EUROPE? 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 FINANCIERE DE L'EUROPE is Arnaud Nicolas.
Directors
According to the 2025 annual accounts
Arnaud Nicolas
Administrator-manager
Establishments
Establishment units
Physical locations of this company
Place Marie-de-Hongrie, Mar. 6
5660 Couvin
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0890.592.236
- VAT number
- BE 0890.592.236
- Registered office
- Place Marie-de-Hongrie, Mar. 6, 5660 Couvin
- Names & denominations
- FINANCIERE DE L'EUROPE · F.D.E.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 July 2007
- Peppol
- Active · Active since 8 Apr 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars