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 52 % of short-term debt in 2025; threshold 65 %.
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Figures corrected NBB
Corrected annual account filed for 2022.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
FINOVER from Hasselt, company number BE0896492212, closed financial year 2025 with a result of € 238,671 after tax. For that financial year FINOVER recorded a gross margin of € 499,417 and equity of € 111,046. Compared with financial year 2024, the result moved from € 282,077 to € 238,671. 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 July 31, 2026.
€ 111,046
▲ 8% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 238,671
▼ 15% vs 2024
Profit after tax over the fiscal year.
€ 9,649
▼ 38% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 230,000 paid out
96 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 43,724
▲ 9% 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.
€ 62,054
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 132,332
▼ 7% vs 2024
€ 36,266 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 15,919
▼ 30% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 488,170 | € 404,784 | € 439,171 | € 499,417 | ▲ 14% |
| Profit after taxes | € 406,427 | € 172,382 | € 282,077 | € 238,671 | ▼ 15% |
| Equity | € 77,916 | € 85,298 | € 102,375 | € 111,046 | ▲ 8% |
| Total debts | € 655,249 | € 621,397 | € 473,761 | € 424,888 | ▼ 10% |
| Cash | € 5,629 | € 8,323 | € 15,574 | € 9,649 | ▼ 38% |
| Land & buildings | € 135,794 | € 112,431 | € 106,112 | € 79,974 | ▼ 25% |
| Retained profit | € 71,716 | € 79,098 | € 96,175 | € 104,846 | ▲ 9% |
| Dividend | € 400,000 | € 165,000 | € 265,000 | € 230,000 | ▼ 13% |
| Bank debt | € 172,635 | € 197,525 | € 142,797 | € 132,332 | ▼ 7% |
| Balance sheet total | € 733,165 | € 706,695 | € 576,136 | € 535,934 | ▼ 7% |
Key figures of FINOVER, 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 FINOVER?
What happened at FINOVER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 238,671 (▼ 15% vs 2024). Source: NBB ↗
- Victor Kenens became a director. NBB
- K&P Consult became a director. NBB
- New establishment in Hasselt. KBO
- Start of the company according to the CBE. KBO
In short
From € 406,427 profit in 2022 to € 238,671 profit in 2025.
Paid € 65,368 in corporate taxes since 2022.
Best year ever: 2022, with € 406,427 profit.
Paid out € 1.1 million in dividends to the owners in total.
A new publication or filing at FINOVER? 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 FINOVER are Victor Kenens and K&P Consult.
Directors
According to the 2025 annual accounts
Victor Kenens
Director
since 2023
Director · represented by Kris Kenens
since 2010
Establishments
Establishment units
Physical locations of this company
Eendrachtlaan 33
3500 Hasselt
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
- 0896.492.212
- VAT number
- BE 0896.492.212
- Registered office
- Eendrachtlaan 33, 3500 Hasselt
- Names & denominations
- FINOVER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 17 March 2008
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars