Summary
Zuidwest Finance 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 €245,170 and a net result of €1.6m. Equity has been growing by about 61% per year since 2023. Its solvency ranks better than 15% of 1,853 sector peers (NACE 66, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
Source: KBO- Status
- Active since 28-02-2023 Normal situation
- Activity
- Agents and brokers in banking services NACE 66191and 3 others
- Joint committee
- 341 Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten · annual accounts 2024
- Establishment units
- 2.342.597.510 8791 Waregem, since 28-02-2023
- 2.361.084.918 8550 Zwevegem, since 28-02-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Board and ownership
Board
- LAVAPOManaging director · permanent representative VAN POUCKE Laszlo
- SARA WILLEMSManaging director
- VAJ CONSULTINGManaging director · permanent representative VAN ACKER Jorn Kurt Karien
Shareholders
- GUILLARD12.75%30-09-2025 annual accounts of GUILLARD
- LAVAPO12.75%2025 annual accounts of LAVAPO
- ZAKENKANTOOR VERPLAETSE-MAES5%2025 annual accounts of ZAKENKANTOOR VERPLAETSE-MAES
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €1.6m
- ▲ 142%
- Equity
- €245,170
- ▲ 87.6%
- Total assets
- €3.7m
- ▲ 21.1%
- Employees on 31-12-2025
- 9
- ▼ 10.0%
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
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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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 15% of 1853 sector peers (2025).
NBB · sector comparisonPosition among 1853 sector peers
Solvency
better than 15%
← 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 03-06-2026, 58 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
58 days early
2024
77 days early
2023
30 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 55 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 3 June (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
Recent changes
- · Gazette deed Resignation: GUILLARD BV (director)
- · Gazette deed IncorporationStarting capital €62,400 · Appointments: SARA WILLEMS, VAJ CONSULTING and 3 others · Permanent representatives: WILLEMS Sara, VAN ACKER Jorn Kurt Karien and 3 others
Comparable companies
These companies have the same main activity as Zuidwest Finance: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €2.9m and €4.2m, founded in 2023.
| Company | Total assets | Gross margin |
|---|---|---|
| Zuidwest Finance Waregem | €3.7m | €2.6m |
| Brugge Zuid & West Finance Gistel | €3.7m | €2.6m |
| SDL Finance Nazareth-De Pinte | €4.2m | €2.5m |
| REGIO TIELT CONNECT Tielt | €3.4m | €2.1m |
| FinSoul Destelbergen | €3.2m | €2.0m |
| STEDAFIN Londerzeel | €3.1m | €2.0m |
| VLAR Finance Oudenaarde | €2.9m | €2.0m |
Key facts about Zuidwest Finance
- What is the company number of Zuidwest Finance?
- The company number of Zuidwest Finance is 0798.960.096. The VAT number is the same number with BE in front: BE 0798.960.096.
- Where is Zuidwest Finance based?
- The registered office is at Liebaardstraat 260, 8791 Waregem.Company details
- What does Zuidwest Finance do?
- According to the KBO register, the main activity is agents and brokers in banking services (NACE 66191).
- What is the legal form of Zuidwest Finance?
- The legal form of Zuidwest Finance is Public limited company (NV).
- When was Zuidwest Finance founded?
- Zuidwest Finance was founded on 28-02-2023.
- Is Zuidwest Finance still active?
- Yes, Zuidwest Finance is an active enterprise in the KBO register.
- How many employees does Zuidwest Finance have?
- Zuidwest Finance had an average of 7.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Zuidwest Finance fall under?
- In its 2024 annual accounts, Zuidwest Finance states joint committee 341 (Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten).
- What is the turnover of Zuidwest Finance?
- The turnover in financial year 2025 is ≈ €4.5m. This figure is estimated from the gross margin of €2.6m and 1,584 comparable companies of the same size. It probably lies between €3.1m and €7.4m. It is a rough estimate.
- Is Zuidwest Finance profitable?
- In financial year 2025, Zuidwest Finance made a profit of €1.6m.
- Where can I find the annual accounts of Zuidwest Finance?
- Zuidwest Finance filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Zuidwest Finance due?
- Zuidwest Finance must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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