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 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 8 % 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
FV FINANCE from Celles (lez-Tournai), company number BE0894369001, closed financial year 2025 with a result of € 66,827 after tax. For that financial year FV FINANCE recorded a gross margin of € -2,455 and equity of € -213,154. Compared with financial year 2024, the result moved from € 17,175 to € 66,827. Profitable, and profit is growing. 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 May 12, 2026.
€ -213,154
▲ € 66,827 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 66,827
▲ 289% vs 2024
Profit after tax over the fiscal year.
€ 252
▼ 99% 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 € -665,154.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 400
▼ 48% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -2,489 | € -3,954 | € -2,739 | € -2,455 | ▲ € 283 |
| Profit after taxes | € 62,432 | € 72,944 | € 17,175 | € 66,827 | ▲ 289% |
| Equity | € -370,100 | € -297,156 | € -279,981 | € -213,154 | ▲ € 66,827 |
| Total debts | € 674,389 | € 634,367 | € 620,659 | € 534,132 | ▼ 14% |
| Cash | € 24,889 | € 287 | € 20,250 | € 252 | ▼ 99% |
| Retained profit | € -822,100 | € -749,156 | € -731,981 | € -665,154 | ▲ € 66,827 |
| Balance sheet total | € 304,289 | € 337,211 | € 340,678 | € 320,977 | ▼ 6% |
Key figures of FV FINANCE, 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 FV FINANCE?
What happened at FV FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- François Vandenberghe stepped down as director. NBB
- Marie-Hélène Govaert stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 66,827 (▲ 289% vs 2024). Source: NBB ↗
- François Vandenberghe became a director. NBB
- Marie-Hélène Govaert became a director. NBB
- New establishment in Mouscron. KBO
- Start of the company according to the CBE. KBO
In short
From € 62,432 profit in 2022 to € 66,827 profit in 2025.
Best year ever: 2023, with € 72,944 profit.
Management
Establishments
Establishment units
Physical locations of this company
Fauchy (VEL) 2
7760 Celles (lez-Tournai)
Postkantoordoorgang 6 box 120
7700 Mouscron
Active since 30 January 2008
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
- 0894.369.001
- VAT number
- BE 0894.369.001
- Registered office
- Fauchy (VEL) 2, 7760 Celles (lez-Tournai)
- Names & denominations
- FV FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 20 December 2007
- Peppol
- Not registered