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MULTIFINANCES

Active Risk: not assessed Private limited companyfounded 1991active for 35 yearsPlace d' Acren 6, 7864 LessinesKBO/BCE: BE 0443.084.815

Overview

Lifetime

18 annual accounts with figures on one time axis, 29 filings since 1992
peak €514,612 (2025)
€514,612▲ 12.4%
lowest -€97,811 (2010)
€230,725▼ 0.3%
peak €2.4m (2025)
€2.4m▲ 10.2%
€1.5m▼ 10.8%
peak 4 FTE (2020)
-not published
Board3 names since 2022
1 director
Documentsfilings and deeds
13-02-202613 days late
2025micro format
Gross margin from €458,009 to €514,612Cash from €99,286 to €202,916

Key points

from the 2025 annual accounts

Equity

€2.4m ▲ 10.2%

MULTIFINANCES has made a profit without a break since 2011.

Turnover

≈ €820,000 estimated

The micro format states no turnover.

Position in the sector

€2.4m

More equity than 95% of companies in auxiliary financial services. Sector median €119,030 · 3,079 companies.

2025 accounts filed 13 days after the deadline

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.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Board and ownership

Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0443084815
2 directors appointed, 1 reappointment Reappointment: (director) · Appointments: and · Legal-form conversion: from coöperatieve vennootschap met beperkte aansprakelijkheid to private limited company · General meeting of 22-12-2023 · Gazette deed
First establishment MULTIFINANCES SC, Place d' Acren 8, Lessines
Incorporation published on 07-02-1991 · Gazette deed
All 39 events

Comparable companies

same main activity, similar in size and age
Company
MULTIFINANCES Lessines €3.9m €514,612 61.5% -
KANTOOR VERVAEKE Deinze €3.5m €511,627 93.4% -
ZAKENKANTOOR BARTELS Ravels €3.0m €505,252 20.6% 2.8
VAN POUCKE PETER Ghent €3.0m €699,498 92.9% 2.8
DE VRY Malle €2.9m €707,572 74.4% -
VACA - INVEST Sint-Niklaas €4.7m €689,821 34.7% -
Kantoor Van Damme Oostkamp €3.4m €756,035 90.9% -

These companies have the same main activity as MULTIFINANCES: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €2.9m and €4.7m, founded between 1985 and 2000.

Official details

Source: KBO
Status
Active since 01-01-1991Normal situation
Activity
Agents and brokers in banking servicesNACE 66191
Establishment unit
2.051.335.1157864 Lessines, since 31-01-1991
Financial year end
30 June
Peppol
Reachable since 22-10-2025
Company details

Annual accounts to 30-06-2025

€230,725▼ 0.3%
€2.4m▲ 10.2%
€3.9m▲ 1.0%
3 FTE
Filing
Filed on 13-02-2026
Financials

Insights on MULTIFINANCES

MULTIFINANCES files the micro format. That format states no turnover. The gross margin rose from €188,771 in 2007 to €514,612 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 13-02-2026, 13 days late
€2.4m
▲ 10.2%
€3.9m
▲ 1.0%
€230,725
▼ 0.3%
61.5%
▲ 5.1 percentage points
9.6%
▼ 1.0 percentage points
5.9%
▼ 0.1 percentage points

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance sheet

balance sheet total €3.9m on 30-06-2025
What the company ownsHow it is paid for

in €m

in euro

Position in the sector

61.5%

Higher than 61% of 3,076 companies in 2025.

5.9%

Higher than 36% of 3,020 companies in 2025.

MULTIFINANCES Middle half of the sector 80% of the sector Micro accounts in auxiliary financial services (NACE 66)

Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter

Staff

€25,109

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020201920182017201620152014201320122011201022 months20082007
Balance sheet: assets
20/58 3.9m3.8m2.8m2.8m2.6m1.3m1.2m1.1m974,908794,722691,248574,836494,4051.1m1.0m729,295806,127775,045
21/28 3.6m3.6m2.4m1.6m222,27599,36395,956125,019161,148203,682238,677264,402305,382345,267406,197184,721194,465113,042
21 --5,06010,70617,76620,24003,6009,20014,80020,4008,000001,0007,00018,00024,000
22/27 3.6m3.6m2.4m1.6m204,50979,12395,956121,419151,948188,882218,277256,402305,382345,267405,197177,721176,46589,042
22 3.6m747,7562,55223,96445,29366,62287,951109,280135,851169,163207,977250,395295,387344,229397,535154,846163,23964,063
23 3,5314,2805,0285,7766,5407,4198331,5191,6672,222--00158865282-
24 8309801,8786,36110,845--1,3292,6593,9885,4233,8777,3331,0387,50422,01012,94424,979
26 -151661,5923,3565,0827,1729,29111,77113,5094,8772,1302,6620----
27 -2.9m2.4m1.5m138,475-------------
29/58 302,279226,861408,5781.2m2.4m1.2m1.2m926,742813,760591,040452,571310,434189,023742,355605,718544,574611,662662,003
40/41 83,300115,06893,726182,88679,73380,39393,244101,48882,23581,52681,46279,73377,25486,64178,49876,31777,63786,357
40 -1,7681,5801,320--2,0141,6861,8421,7931,729--0--382-
41 83,300113,30092,146181,56779,73380,39391,23099,80280,39379,73379,73379,73377,25486,64178,49876,31777,25586,357
50/53 ----------------141,795-
54/58 202,91699,286305,9431.0m2.3m1.2m1.1m825,254729,495507,207368,842228,419109,512653,490525,017466,123390,749574,215
490/1 16,06212,5078,90911,5119,364--02,0302,3072,2672,2822,2572,2242,2032,1341,4811,431
Balance sheet: equity and liabilities
10/49 3.9m3.8m2.8m2.8m2.6m1.3m1.2m1.1m974,908794,722691,248574,836494,4051.1m1.0m729,295806,127775,045
10/15 2.4m2.2m1.9m1.7m1.5m1.3m1.1m967,169796,864636,037493,476347,258223,442813,070709,385602,106699,917615,045
10/11 43,40143,40143,40143,40143,401-43,40143,40113,64113,64113,64113,6416,2016,2016,2016,2016,2016,201
100 ------55,80055,80055,80055,80055,80055,80018,60018,60018,60018,60018,60018,600
101 ------12,39912,39942,15942,15942,15942,15912,39912,39912,39912,39912,39912,399
11 ----43,40143,401------------
1100/10 -----43,401------------
1109/19 ----43,401-------------
13 2.3m2.1m1.9m1.7m1.5m1.2m1.1m923,580782,580621,580479,330333,330216,610806,61020,61020,61020,61039,360
130/1 5,5805,5805,5805,5805,5805,580------------
130 ------5,5805,5805,5805,5805,5805,5801,8601,8601,8601,8601,8601,860
1311 5,5805,5805,5805,5805,580-------------
1319 -----5,580------------
132 ---------018,75018,75018,75018,75018,75018,75018,75037,500
133 2.3m2.1m1.9m1.7m1.5m1.2m1.1m918,000777,000616,000455,000309,000196,000786,000----
14 861861861861164378378188643816505287631259682,574575,295673,106569,484
17/49 1.5m1.7m881,5351.1m1.1m81,212100,19084,592178,044158,685197,772227,578270,963274,552302,530127,189106,210160,000
17 692,646870,708632,663756,114878,557-----031,00093,000155,000217,000---
170/4 692,646870,708632,663756,114878,557-----031,00093,000155,000217,000---
42/48 804,113808,197248,872299,493231,01581,212100,19084,592178,044158,685197,772196,578177,508118,92185,530127,189106,210160,000
42 198,238195,554143,811142,635141,63520,19220,00012,27310,00010,00039,75072,02777,19477,19472,0273,38922,91736,667
44 46,00752,57357,23097,70332,26131,72635,76037,52745,40941,73148,99134,68934,17237,7133,790117,64336,24988,387
440/4 46,00752,57357,23097,70332,26131,72635,76037,52745,40941,73148,99134,68934,17237,7133,790117,64336,24988,387
46 -----------------300
45 31,88634,26126,85238,67742,03915,51132,95132,31342,38134,50342,64122,6159,0954,0146,1916,15720,61511,359
450/3 31,20330,92023,77835,84541,14312,68826,25226,00438,66326,03234,38816,1019,09504,6864,68617,828-
454/9 6833,3413,0732,8318962,8246,6996,3093,7188,4718,2536,51404,0141,5051,4712,78711,359
47/48 527,982525,81020,97920,47915,08013,78311,4792,47980,25472,45166,39067,24757,04703,522-26,42923,287
492/3 ------------455631----
Income statement
76A ---------------3,721-1,897
9900 514,612458,009391,023434,911458,945314,918354,620352,738383,726357,366374,445300,092271,282264,992275,609408,579243,211188,771
62 75,32669,88763,22561,77870,56195,31058,42593,53984,22989,65091,28062,12642,76044,84537,08772,23236,75431,293
630 105,53855,28633,71635,40034,06329,37629,06331,42643,81549,78254,33852,60254,21260,93080,685156,63147,29434,732
640/8 12,21912,25713,85910,85013,65414,21011,31012,32715,4068,52310,2218,16910,41211,5008,92914,31411,4677,873
66A -------4,703120----150-130220-
9901 321,529320,578280,222326,882340,667176,022255,822210,743240,156209,411218,606177,195163,898147,717148,908165,402147,696114,873
75/76B 2681,4461,9461,3634469321,9401,3242503833556142,3962,1411,1872,2985,3783,983
75 2681,4461,9468634469321,9401,3242503833556142,3962,1411,1872,2985,3783,983
76B ---500--------------
65/66B 19,81119,7847,5368,1731,1844713234584221,1473,3035,2407,3769,5106,205221,7534,7111,035
65 19,81119,7847,5368,1731,1844713234584221,1473,3035,2407,3769,5106,205221,7534,7111,035
9903 301,986302,240274,632320,072339,929176,483257,439211,609239,984208,647215,658172,569158,918140,198143,890-50,462148,143119,718
67/77 71,26170,92063,77876,37581,14354,40566,24971,06479,15766,08669,44056,19348,54636,51336,61147,34947,27133,502
9904 230,725231,320210,854243,697258,787122,078191,190140,545160,827142,561146,218116,376110,372103,685107,279-97,811100,87286,216
789 ---------18,750------18,750-
9905 230,725231,320210,854243,697258,787122,078191,190140,545160,827161,311146,218116,376110,372103,685107,279-97,811119,62286,216
Appropriation of the result
9906 231,586232,181211,715243,861259,164122,455191,378141,188161,643161,816146,505117,007110,631786,259682,574575,295689,106571,984
14P 861861861164--------------
791/2 ------------700,000-----
691/2 221,725222,320201,354234,000250,000113,078182,000141,000161,000161,000146,000116,720110,000786,000----
6920 -----------3,720------
6921 221,725222,320201,354234,000250,000113,078182,000141,000161,000161,000146,000113,000110,000786,000----
694/7 9,0009,0009,5009,0009,0009,0009,000-----700,000---16,0002,500
694 ------------700,000-----
695 9,0009,0009,5009,0009,0009,0009,000---------16,0002,500
Social balance sheet
9087 3-2.92.934--3322111111
Hours worked1013 --1,5521,8411,6503,072--3,2003,2503,5532,6251,9761,7351,4193,3621,8261,856
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 11 older financial years (1992-2006) were filed as documents without figures as data, scans for example.

The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 13-02-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 13 days after the deadline. Filed on 13 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00041328.

Financial year Type Filed Reference Document
30-06-2025 micro format 13-02-2026 2026-00041328 PDF
30-06-2024 micro format 31-01-2025 2025-00024706 PDF
30-06-2023 micro format 28-12-2023 2023-00539850 PDF
30-06-2022 micro format 31-01-2023 2023-00021171 PDF
30-06-2021 micro format 28-01-2022 2022-03200426 PDF
30-06-2020 micro format 29-01-2021 2021-03400333 PDF
30-06-2019 micro format 31-01-2020 2020-03900445 PDF
30-06-2018 micro format 31-01-2019 2019-04200021 PDF
30-06-2017 micro format 31-01-2018 2018-04200419 PDF
30-06-2016 full format 30-01-2017 2017-03200023 PDF
30-06-2015 full format 15-01-2016 2016-01600438 PDF
30-06-2014 full format 15-01-2015 2015-01700454 PDF
30-06-2013 full format 14-02-2014 2014-03800354 PDF
30-06-2012 full format 18-02-2013 2013-04200127 PDF
30-06-2011 full format 16-01-2012 2012-01000106 PDF
30-06-2010 full format 23-02-2011 2011-04100354 PDF
31-08-2008 full format 30-03-2009 2009-09600347 PDF
31-08-2007 full format 20-06-2008 2008-26300123 PDF
31-08-2006 full format 12-03-2007 2007-07103345 PDF
31-10-2003 full format 25-05-2004 2004-16502852 PDF
31-01-2002 full format 05-12-2002 2002-75202597 PDF
31-01-2001 full format 13-12-2001 2001-75602304 PDF
31-03-1999 full format 10-12-1999 1999-62800400 PDF
31-03-1998 full format 24-02-1999 1999-03700760 PDF
30-06-1996 full format 24-02-1999 1999-03700747 PDF
30-06-1995 full format 24-02-1999 1999-03700734 PDF
30-06-1994 full format 24-02-1999 1999-03700721 PDF
30-06-1993 full format 30-03-1994 1994-05203134 PDF
30-06-1992 full format 30-03-1994 1994-05203147 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020201920182017201620152014201320122011201022 months20082007
69,6981.3m861,3681.4m156,97532,7840-4,7031,28114,78828,61311,62214,3270302,161146,887128,71766,300
103,630-206,657-708,608-1.3m1.1m103,543235,09595,759222,288138,365140,423118,907-543,978128,47358,89475,374-183,466-
61.5%56.4%68.8%62.3%57.7%94.0%92.0%92.0%81.7%80.0%71.4%60.4%45.2%74.8%70.1%82.6%86.8%79.4%
9.6%10.7%10.8%14.0%17.1%9.7%16.6%14.5%20.2%22.4%29.6%33.5%49.4%12.8%15.1%-16.2%14.4%14.0%
5.9%6.0%7.5%8.7%9.9%9.1%15.3%13.4%16.5%17.9%21.2%20.2%22.3%9.5%10.6%-13.4%12.5%11.1%

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item30-06-202530-06-202330-06-2022
Employees at the balance-sheet date-33
full-time-22
part-time-11
in full-time equivalents-2.92.9
32.92.9
On a permanent contract333
Joined--2
Left--2

Source: social balance sheet in the 2022 to 2025 annual accounts

Investments

fixed assets acquired
Item30-06-202530-06-202430-06-202330-06-2022
Tangible fixed assets€69,698€1.3m€861,368€1.4m
€105,538€55,286€33,716€35,400

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on MULTIFINANCES

The operating result for 2025 is 0% higher than in 2024 and the highest since 2022. It is the second rise in a row, after the fall in 2023.

Debt's share of the balance-sheet total falls from 43.6% to 38.5%. Equity is higher and debt is lower.

Board & ownership

Board

1 director, last change in 2024
Director (not named in the articles)
in office according to the deed of 23-01-2024
listed in the 2025 annual accounts, filed on 13-02-2026

Office holders in the KBO →

Mandates through the years

3 names, the dashed line is today

Director (not named in the articles)

Director

Director
BoardEarliermandate already running before its first mentionend not dated
Mandates as a list
    • Director (not named in the articles), since before 30-06-2022
    • Director, appointed by deed of 23-01-2024, no longer listed in the 2025 annual accounts
    • Director, appointed by deed of 23-01-2024, no longer listed in the 2025 annual accounts

See the board, name and registered office on a given date →

Control

Capital

Contribution
€43,400.93
Source
2025 annual accounts

Articles of association

deed of 23-01-2024 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
“Article 14, assemblée générale décide si mandat administrateur exercé gratuitement ou non”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of December at 18:00

Network & group

No group

MULTIFINANCES has no parent and no holdings in its annual accounts. is the only director. MULTIFINANCES shares no director with another company.

Timeline

Timeline

39 events since 1991

Deadline for the 2026 accounts: 31-01-2027

2026
Annual accounts 2025 filed PDFmicro format · 13 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0443084815
Annual accounts 2024 filed PDFmicro format · on the deadline day
2024
Equity above €2m equity €2.2m ▲11.4% After 14 profitable years in a row, equity reaches €2.2m.
2 directors appointed, 1 reappointmentReappointment: (director) · Appointments: and · Legal-form conversion: from coöperatieve vennootschap met beperkte aansprakelijkheid to private limited company · General meeting of 22-12-20237 points ▸
  • General meeting, 22-12-2023
  • Legal-form conversion, from coöperatieve vennootschap met beperkte aansprakelijkheid to private limited company
  • 100 shares
  • Director reappointment, (director (not named in the articles))
  • Director discharge,
  • Director appointment,
  • Director appointment,
  • The deed holds 6 more points.

Open the deed in the Belgian Official Gazette

2023
Annual accounts 2023 filed PDFmicro format · 34 days before the deadline
Annual accounts 2022 filed PDFmicro format · on the deadline day
2022
Annual accounts 2021 filed PDFmicro format · 3 days before the deadline
2021
Highest result from 2007 to 2025 net €258,787 ▲112% The operating result of €340,667 and the net result of €258,787 are both a record.
Annual accounts 2020 filed PDFmicro format · 2 days before the deadline
2020
Annual accounts 2019 filed PDFmicro format · on the deadline day
2019
Equity above €1m equity €1.1m ▲18.8% After 9 profitable years in a row, equity reaches €1.1m.
Annual accounts 2018 filed PDFmicro format · on the deadline day
2018
Liquidity more than doubled current ratio 10.96 The current ratio rises from 4.57 to 10.96. Short-term debt falls from €178,044 to €84,592.
Annual accounts 2017 filed PDFmicro format · on the deadline day
2017
Annual accounts 2016 filed PDFfull format · 1 day before the deadline
2016
Annual accounts 2015 filed PDFfull format · 16 days before the deadline
2015
Annual accounts 2014 filed PDFfull format · 16 days before the deadline
2014
Annual accounts 2013 filed PDFfull format · 14 days late
2013
Annual accounts 2012 filed PDFfull format · 18 days late
2012
Annual accounts 2011 filed PDFfull format · 15 days before the deadline
2011
Back to profit net €107,279 The net result is €107,279, after one loss-making year.
Annual accounts 2010 filed PDFfull format · 23 days late
2010
Weakest financial year net -€97,811 The net result drops to -€97,811, the lowest from 2007 to 2025. It recovers the following year.
2009
Annual accounts 2008 filed PDFfull format · 1 day before the deadline
2008
Annual accounts 2007 filed PDFfull format · 81 days late
2007
Annual accounts 2006 filed PDFfull format · 19 days before the deadline
2004
Annual accounts 2003 filed PDFfull format
2002
Annual accounts 2002 filed PDFfull format
2001
Annual accounts 2001 filed PDFfull format
1999
Annual accounts 1999 filed PDFfull format
Annual accounts 1994 filed PDFfull format
Annual accounts 1995 filed PDFfull format
Annual accounts 1996 filed PDFfull format
Annual accounts 1998 filed PDFfull format
1994
Annual accounts 1992 filed PDFfull format
Annual accounts 1993 filed PDFfull format
1991
First establishment MULTIFINANCES SC, Place d' Acren 8, Lessines
Incorporation published on 07-02-1991

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

MULTIFINANCES was incorporated on 1 January 1991.1 Total assets rose from €1.2m in 2019 to €3.9m in 2025 and headcount from 4 full-time equivalents in 2020 to 3 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2019, 2020 and 2025

Company details

Identity

Enterprise number
0443.084.815
VAT number
BE 0443.084.815
Peppol ID
0208:0443084815
Legal form
Private limited company
Status
Active, normal situation
Founded
01-01-1991
Financial year
ends on 30 June
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of December at 18:00
deed of 23-01-2024 (in French)
Peppol
Reachable since 22-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
MULTIFINANCES in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 23-01-2024 (in French)

Activities

NACEBEL 2025
Codes under NACEBEL 2008
66191 Agents and brokers in banking services main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Le conseil en matières fiscales,administratives et comptables; La tenue de comptabilités ainsi que les opérations y rattachées dont la loi…”
6 activities
  1. Le conseil en matières fiscales,administratives et comptables ;
  2. La tenue de comptabilités ainsi que les opérations y rattachées dont la loi n’attribue pas le monopole à une catégorie particulière d’individus ;
  3. Les opérations de courtage et d’agent général de toutes compagnies d’assurances nationales et internationales ;
  4. Toutes opérations de crédit directement ou indirectement pour le compte d’un établissement de crédit et ce,de quelque façon que ce soit ;
  5. Toutes opérations ayant trait au secteur immobilier en général ;
  6. La tenue d’une agence bancaire ainsi que toutes les opérations qui y sont liées et notamment les opérations de placement.
deed of 23-01-2024 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Place d' Acren 6 registered office 7864 Lessines
MULTIFINANCES SC Place d' Acren 8, 7864 Lessines 31-01-1991 2.051.335.115

Buildings and parcels at the addresses

Ground area
689 m²
Buildings
286 m²
Volume, LiDAR
2,707 m³
Tallest building
12.9 m
Buildings to scale, each on its own parcel
173 m², 12.9 m 113 m², 12.1 m 173 m², 12.9 m 113 m², 12.1 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
55007A0512/00R000429 m² 1 · 173 m² 12.9 m · 4
55007A0515/00F000261 m² 1 · 113 m² 12.1 m · 3