Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 55 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
DENAFIN from Sivry-Rance, company number BE1016356102, closed financial year 2025 with a result of € -8,321 after tax. For that financial year DENAFIN recorded a gross margin of € 350,082 and equity of € 31,679. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 20, 2026.
€ 31,679
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -8,321
Profit after tax over the fiscal year.
€ 20,343
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -8,321.
People and assets in 2025
3.6
Average over the fiscal year, from the social balance sheet.
€ 306,091
€ 85,000 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 373,500
€ 41,500 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 15,044
Supplier invoices still open on the last day of the fiscal year.
€ 39,716
Taxes, VAT and social contributions still to pay.
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What happened to DENAFIN?
What happened at DENAFIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 8,321. Source: NBB ↗
- New establishment in Sivry-Rance. KBO
- Start of the company according to the CBE. KBO
- Philippe BLAISE became a director. NBB
- Marie-Christine NAVEAU became a director. NBB
- Bénédicte BLAISE became a director. NBB
- Christophe DELOBELLE became a director. NBB
- Pierre BLAISE became a director. NBB
In short
Paid € 425 in corporate taxes since 2025.
On average € 97,200 of value added per employee 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 RANCINVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
DENAFINBehind DENAFIN are Philippe BLAISE, Marie-Christine NAVEAU, Bénédicte BLAISE, Christophe DELOBELLE and Pierre BLAISE. The shares are held by RANCINVEST (49%).
Directors
According to the 2025 annual accounts
since 2024
Marie-Christine NAVEAU
Director
Also active at: Naveau, RANCINVEST, BLAISE NAVEAU, ASSURANCES ANDREE GOBERT
since 2024
since 2024
Christophe DELOBELLE
Director
since 2024
Pierre BLAISE
Director
Also active at: Naveau, BEPINVEST, RANCINVEST, BLAISE NAVEAU, ASSURANCES ANDREE GOBERT
since 2024
Shareholders
49%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Grand Rue 54
6470 Sivry-Rance
Grand Rue 58
6470 Sivry-Rance
Active since 19 November 2024
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
- 1016.356.102
- VAT number
- BE 1016.356.102
- Registered office
- Grand Rue 54, 6470 Sivry-Rance
- Names & denominations
- DENAFIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 November 2024
- Peppol
- Active · Active since 16 Jan 2026
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars