Equity
€3,268 from €145,185 in 2024
Equity fell by 98% in 1 year.
BEMAFIN
Lifetime
4 annual accounts with figures on one time axispeak €125,092 (2025)
€125,092▲ 24.1%
peak €88,083 (2025)
€88,083▲ 23.3%
peak €145,185 (2024)
€3,268▼ 97.7%
€168,098▲ 194%
Board1 name since 2022
1 directorBert, Laurens
Documentsfilings and deeds
26-05-202666 days before the deadline
2025micro format
Gross margin from €100,813 to €125,092Dividend €230,000Equity from €145,185 to €3,268Debts from €57,226 to €168,098Cash from €15,173 to €59,541
Key points
from the 2025 annual accountsTurnover
≈ €270,000 estimated
The micro format states no turnover.
Debts
€168,098 98% of the balance sheet
Financial debts 3%Suppliers 0%Taxes and wages 19%Other 78%
Of this, €168,013 falls due within a year.
Liquidity
0.89 was 3.34 in 2024
Short-term debts rose from €50,350 to €168,013.
Filings
4 annual accounts since 2022
The last four annual accounts were filed 51 to 66 days before the end of the period.
Position in the sector
€3,268
Less equity than 90% of companies in auxiliary financial services. Sector median €119,034 · 3,077 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 3074 sector peers (2025).
NBB · sector comparisonPosition among 3074 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
66 days early
2024
55 days early
2023
51 days early
2022
59 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 58 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 June (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0789887133
Incorporation
Founding capital of €2,000, 1,000 shares · Founder: Bert, Laurens · Appointment: Bert, Laurens (director) · published on 25-08-2022 · Gazette deed
First establishment
Hof van Westbeke 2, Ghent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BEMAFIN Ghent | €171,366 | €125,092 | 1.9% | - |
| Peyto Antwerp | €139,151 | €132,438 | 2.9% | - |
| Samsvar Mechelen | €196,194 | €124,615 | 94.6% | - |
| MESA INVEST Meise | €173,931 | €131,371 | 65.4% | - |
| HYPOwaas Beveren-Kruibeke-Zwijndrecht | €172,257 | €157,442 | 18.1% | 2.4 |
| GREENCORN Ghent | €161,746 | €78,494 | 96.9% | - |
| JANESC BE Ghent | €272,367 | €103,175 | 1.8% | - |
These companies have the same main activity as BEMAFIN: other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199). They are comparable in size and age: total assets between €139,000 and €272,000, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 23-08-2022Normal situation
- Activity
- Other activities auxiliary to financial services, excluding insurance and pension fundingNACE 66199and 3 others
- Establishment unit
- 2.334.849.3869030 Ghent, since 23-08-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 24-09-2025
Annual accounts 2025
- €171,366▼ 15.3%
- Filing
- Filed on 26-05-2026, 66 days before the end of the filing period
Insights on BEMAFIN
BEMAFIN files the micro format. That format states no turnover. The gross margin rose from €20,476 in 2022 to €125,092 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BEMAFIN
- What is the company number of BEMAFIN?
- The company number of BEMAFIN is 0789.887.133. The VAT number is the same number with BE in front: BE 0789.887.133.
- Where is BEMAFIN based?
- The registered office is at Hof van Westbeke 2, 9030 Ghent.Company details
- What does BEMAFIN do?
- According to the KBO register, the main activity is other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199).
- What is the legal form of BEMAFIN?
- BEMAFIN is a private limited company (BV).
- When was BEMAFIN founded?
- BEMAFIN was founded on 23-08-2022.
- Is BEMAFIN still active?
- Yes, BEMAFIN is an active enterprise in the KBO register.
- What is the turnover of BEMAFIN?
- The turnover in financial year 2025 is ≈ €270,000. This figure is estimated from the gross margin of €125,092 and 40 comparable companies (NACE 66). It probably lies between €200,000 and €330,000.Financials
- Is BEMAFIN profitable?
- In financial year 2025, BEMAFIN made a profit of €88,083.
- Where can I find the annual accounts of BEMAFIN?
- BEMAFIN filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BEMAFIN due?
- BEMAFIN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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