Public limited company · founded 2013 · 13 yrs activeGrijpenlaan 19, 3300 Tienen, BelgiumKBO/BCE: BE 0534.720.418
Summary
CAFIMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €13.0m and a net result of €515,202. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 67% of 2409 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
How financially healthy the company is, how likely a bankruptcy is and how much credit is sensible. Start here to know whether you can do business safely.
Outside the general model
Checked score
A figure from 0 to 100 for financial health from the latest annual accounts: the higher, the healthier. Without a figure, the card says why. A low score is a reason to look closely at payment terms and security.
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 19 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
○
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
History
History
The company's story in a few sentences, from the company register, the Belgian State Gazette and the filed annual accounts. Each number opens the document the sentence rests on.
On 3 May 2013, CAFIMO was incorporated, with a starting capital of EUR 9.3 million.12Of the 2 current board members, MIKA CONSULTING has served longest, since 2025.3Total assets went from EUR 18 million in 2019 to EUR 17 million in 2025.4
What happened to the company over the years, from its founding to recent changes. Many changes in a short time are a reason to ask questions.
Next filing, fiscal year 2026, expected by
31-03-2027
2026
30-06
NBB filingAnnual accounts filed
fiscal year 2025 · consolidated
31-03
NBB filingAnnual accounts filed
fiscal year 2025 · full schema
2025
17-09
State Gazette actResignation: Kathelijne Mathues (director)
Appointments: MIKA CONSULTING (director) and LUC DE VOS BV (director) · Permanent representatives: Kathelijne Mathues, Luc De Vos and Joeri Vanhumbeeck11 facts ▸
General meeting, 14-05-2025
Director resignation, Kathelijne Mathues (director)
Director appointment, MIKA CONSULTING (director)
Permanent representative, Kathelijne Mathues
General meeting, 18-08-2025
Director appointment, LUC DE VOS BV (director)
Permanent representative, Luc De Vos
Board composition, JVMS BV (director)
Board composition, MIKA CONSULTING (director)
Board composition, LUC DE VOS BV (director)
Permanent representative, Joeri Vanhumbeeck
12-09
NBB filingAnnual accounts filed
fiscal year 2024 · consolidated
31-08
FinancialWeakest financial yearnet €515,202 ▼17%
Net result drops to €515,202, the lowest in the series.
30-06
State Gazette actReappointment: Gilles Daniëls BV (statutory auditor)
Demerger, Inbreng van de bedrijfstak bestaande uit het geheel van de activa en passiva met betrekking tot de exploitatie van de StockCoach-software
Accounting effect, 01-10-2024
Net-asset statement, 30-06-2024
Power of attorney, Marc Roba
Power of attorney, Mathieu Henderikx
Power of attorney, Animo BV
Accounting effect, Kapitaalsubsidie met boekwaarde van 125.228,17 EUR (per 30.06.2024) op het niveau van CAFIMO zal opnieuw worden aangelegd op het niveau van S.A.M. overeenkomsti…
28-08
NBB filingAnnual accounts filed
fiscal year 2023 · consolidated
29-03
NBB filingAnnual accounts filed
fiscal year 2023 · full schema
2023
01-08
State Gazette actResignation: Kevin Schierhout (non-statutory director)
Director discharge3 facts ▸
General meeting, 14-03-2023
Director resignation, Kevin Schierhout (non-statutory director)
Director discharge, Kevin Schierhout
13-06
NBB filingAnnual accounts filed
fiscal year 2022 · consolidated
Show earlier events
02-03
NBB filingAnnual accounts filed
fiscal year 2022 · full schema
2022
04-08
NBB filingAnnual accounts filed
fiscal year 2021 · consolidated
08-04
State Gazette actCapital & shares · Statutes amendment
Approval · Share issue · Capital8 facts ▸
General meeting, 25-03-2022
Statutes amendment
Approval, 25-03-2022
Share issue, Creatie van twee soorten aandelen: 5.000 aandelen soort A (nummers 1-5.000) en 5.000 aandelen soort B (nummers 5.001-10.000). Soort B heeft een exclusief recht…
Capital, €100.000
Statutes amendment
Power of attorney, Bestuursorgaan van CAFIMO
Share distribution
25-02
State Gazette actResignation: CVBA VMB Bedrijfsrevisoren (statutory auditor)
Director resignation, CVBA VMB Bedrijfsrevisoren (statutory auditor)
Director appointment, Gilles Daniëls BV (statutory auditor)
Mandate term, 3 jaar tot aan de algemene vergadering in 2024 die de jaarrekening over het boekjaar 2023 zal goedkeuren
Permanent representative, Gilles Daniëls
Permanent representative, Luc Martens
10-02
State Gazette actResignation: CNVISION BV (director)
Permanent representative: Christophe DEGREZ · Appointments: Kathelijne MATHUES (director) and Kevin SCHIERHOUT (director)5 facts ▸
General meeting, 20-12-2021
Director resignation, CNVISION BV (director)
Permanent representative, Christophe DEGREZ
Director appointment, Kathelijne MATHUES (director)
Director appointment, Kevin SCHIERHOUT (director)
03-02
NBB filingAnnual accounts filed
fiscal year 2021 · full schema
2021
31-08
FinancialLiquidity quadruplescurrent ratio 20.28
Current ratio from 5.28 to 20.28; short-term debt falls from €487,803 to €167,047.
2020
24-07
State Gazette actResignation: Germanus BV (director)
Appointments: CNVision BV (director) and JVMS BV (managing director) · Permanent representatives: Steven Lismont, Christophe Degrez and Joeri Vanhumbeeck · Power of attorney17 facts ▸
General meeting, 10-07-2020
Director resignation, Germanus BV (director)
Power of attorney, Germanus BV
Director appointment, CNVision BV (director)
Mandate compensation, CNVision BV
Board composition, JVMS BV (director)
Board composition, CNVision BV (director)
Power of attorney, Sherpa law BV
Board meeting, 10-07-2020
Director resignation, Germanus BV (managing director)
Power of attorney, Germanus BV
Director appointment, JVMS BV (managing director)
+5 further facts in this act
22-06
State Gazette actAppointment: CVBA VMB Bedrijfsrevisoren (statutory auditor)
Director appointment, Germanus bvba (chair of the board)
Board composition, JVMS bvba (director)
12-04
State Gazette actCapital & shares · Statutes amendment
Capital decrease · Capital · Power of attorney5 facts ▸
General meeting, 02-04-2019
Capital decrease, €-6.200.000
Capital, €100.000
Statutes amendment
Power of attorney, Raad van bestuur
2018
04-01
State Gazette actCapital & shares
Capital decrease · Statutes amendment · Mandate4 facts ▸
General meeting, 11-12-2017
Capital decrease, €3.000.000
Statutes amendment
Mandate, Toekenning van de bevoegdheden aan de raad van bestuur meer bepaald om alle nodige maatregelen te treffen voor de terugbetaling waartoe de vergadering zal beslu…
2017
18-05
State Gazette actReappointment: VMB Bedrijfsrevisoren (statutory auditor)
State Gazette actReappointment: VMB Bedrijfsrevisoren (statutory auditor)
Statutes amendment4 facts ▸
General meeting, 03-03-2017
Statutes amendment
Statutes amendment
Auditor reappointment, VMB Bedrijfsrevisoren
2016
22-01
State Gazette actResignation: Bjom Vanhumbeeck (director)
Appointment: Motus Consultancy BVBA (director) · Permanent representative: Hugo Levecke4 facts ▸
Board meeting, 09-11-2015
Director resignation, Bjom Vanhumbeeck (director)
Director appointment, Motus Consultancy BVBA (director)
Permanent representative, Hugo Levecke
2013
05-06
State Gazette actIncorporation
Appointments: Steven Fried Tom LISMONT, Joeri VANHUMBEECK and 2 others · Founding capital · Share issue10 facts ▸
Incorporation, 03-05-2013
Founding capital, €9.300.000
Share issue, 6054, 132 aandelen CARCONNEX en 102 aandelen STELIMO
Share issue, 2750, 60 aandelen CARCONNEX en 40 aandelen STELIMO
Share issue, 1196, 26 aandelen CARCONNEX en 29 aandelen STELIMO
Director appointment, Steven Fried Tom LISMONT (director)
Director appointment, Joeri VANHUMBEECK (director)
Director appointment, Bjorn VANHUMBEECK (director)
Auditor appointment, VMB Bedrijfsrevisoren
Power of attorney, Joeri VANHUMBEECK
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
16 of 16 acts read
Directors · office · real estate
Directors and office
Who runs the company and where it is based. It tells you who you are talking to and whether the address checks out.
Directors
Directors
Who runs the company today and since when, grouped the way the CBE groups its function holders. Many recent board changes are a reason to keep a close eye.
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Location & real-estate footprint
Location & real estate
Where the company is based and which parcels are linked to its addresses. An address shared by many companies is often a registered-office service.
General maintenance and repair of cars and light vans (up to 3.5 tonnes)
since 20132.220.031.179
1 parcel
Flanders1(100%)
Parcel (capakey)
Region
Area
Buildings
Height / fl.
24592F0056/00A002
Flanders
3.3 ha
1 · 1.1 ha
18.4 m · 4 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
Mandate history
Who held which function and when, per person: one bar per period, from appointment to resignation or to today. An open left edge means the mandate began before the oldest act we hold.
De vennootschap heeft als voorwerp, zowel voor eigen rekening als voor rekening van derden in België als in het buitenland: - handel in auto's welke onder meer omvat: groot- en…
Full purpose
De vennootschap heeft als voorwerp, zowel voor eigen rekening als voor rekening van derden in België als in het buitenland: - handel in auto's welke onder meer omvat: groot- en kleinhandel, in- en uitvoer van nieuwe en gebruikte autovoertuigen en ander rollend materiaal; - verhuur van auto's welke onder meer omvat: de verhuur op korte termijn van personenwagens zonder chauffeur, de verhuur of operationele leasing van personenwagens of lichte bestelwagens zonder chauffeur; - verhuur van overige transportmiddelen; onderhoud en reparatie van auto's, het inrichten en uitbaten van carrosseriewerkplaatsen, herstelwerkplaatsen voor alle voertuigen en rollend materieel; - handel in onderdelen en accessoires van auto's, aan- en verkoop van alle onderdelen, brandstoffen, oliën, en smeerstoffen bestemd voor autovoertuigen en ander rollend materieel; - handelsbemiddeling; - goederenvervoer over de weg en verhuisdiensten; - financiële leasing, kredietverstrekking; - verzekeringswezen; verzekeringen, leningen en leasingen van alle aard afsluiten, als tussenpersoon optreden in alle financieringen voor zover niet aan een bijzondere reglementering onderworpen; - adviesbureau op het gebied van bedrijfsvoering en beheer; - managementsactiviteiten van holding; - verhuur en handel in onroerende goederen, onderneming in onroerende goederen in de meest ruime zin. Deze opsomming is niet beperkend maar ruim te interpreteren. De vennootschap zal alle commerciële, industriële, financiële, roerende of onroerende handelingen mogen verrichten die rechtstreeks of onrechtstreeks verband houden met haar financieel voorwerp. De vennootschap mag zich borg stellen en onroerende goederen in pand geven of hypothekeren. De vennootschap kan, op gelijk welke wijze, deelnemen in, samenwerken met of financieel tussenkomen in andere vennootschappen of bedrijven. Zij kan zich ten gunste van zelfde vennootschappen borg stellen of hun aval verlenen, optreden als agent, vertegenwoordiger, voorschotten toestaan, krediet verlenen, hypothecaire en andere zekerheden verstrekken. De vennootschap zal leiding en controle, in hoedanigheid van bestuurder, vereffenaar of anderszins, kunnen uitoefenen over andere vennootschappen.
Who owns the company and which companies it holds shares in, as the companies file it in their annual accounts. It shows which group it belongs to and who ultimately stands behind it.
2 owners · 6 holdings · 7 subsidiaries in the tree
According to the annual accounts to 31-08-2025 of CAFIMO and those of the other companies, the acts in the Belgian Gazette and the LEI register.
The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
Connections & network
Which other companies are linked to this one through directors or shares. Look especially for linked companies in trouble.
5 connected companies
Depth
Shared directors
This companyCompanyDirectorShareholding+N: links not shown yetClick a node to look further, drag to arrange, scroll to zoom.
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 5,301 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Company details
The company's official details: legal form, status, activities and founding date. Useful to draw up an invoice or contract correctly.