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 2 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 6 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
VMF Finance from Ternat, company number BE1003165882, closed financial year 2025 with a result of € -11,192 after tax. For that financial year VMF Finance recorded a gross margin of € 16,716 and equity of € -35,376. Compared with financial year 2024, the result moved from € -44,184 to € -11,192. 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 September 25, 2026.
€ -35,376
▼ € 11,192 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -11,192
▲ 75 % less loss than in 2024
Profit after tax over the fiscal year.
€ 0
▼ 100% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -55,376.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
€ 1,995
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 166,177
▼ 1% vs 2024
€ 29,667 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 4,773
▲ 126% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € -16,281 | € 16,716 | ▲ € 32,997 |
| Profit after taxes | € -44,184 | € -11,192 | ▲ € 32,993 |
| Equity | € -24,184 | € -35,376 | ▼ € 11,192 |
| Total debts | € 209,545 | € 199,492 | ▼ 5% |
| Cash | € 4,848 | € 0 | ▼ 100% |
| Retained profit | € -44,184 | € -55,376 | ▼ € 11,192 |
| Bank debt | € 167,432 | € 166,177 | ▼ 1% |
| Balance sheet total | € 185,360 | € 164,116 | ▼ 11% |
Key figures of VMF Finance, fiscal years 2024 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 VMF Finance?
What happened at VMF Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 11,192. filed late Source: NBB ↗
- MAJ FINANCE became a director. NBB
- NATHALIE FIEVET became a director. NBB
- New establishment in Ternat. KBO
- Start of the company according to the CBE. KBO
In short
From € 44,184 loss in 2024 to € 11,192 loss in 2025.
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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
The stake of MAJ FINANCE, TheMa Finance, Nathalie Fiévet comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
VMF FinanceBehind VMF Finance are MAJ FINANCE and NATHALIE FIEVET. The shares are held by MAJ FINANCE (34%), TheMa Finance (33.3%) and Nathalie Fiévet (33.3%).
Directors
According to the 2025 annual accounts
since 2024
since 2024
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Statiestraat 103
1740 Ternat
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 1003.165.882
- VAT number
- BE 1003.165.882
- Registered office
- Statiestraat 103, 1740 Ternat
- Names & denominations
- VMF Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 December 2023
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars