ACTIVE

Buy Way Personal Finance

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Financial year 2025 · Closed on 31/12/2025

Net result-7,6 M €-155,8 %over 1 year
Revenue11,7 M €+7,9 %over 1 year
Equity12 M €-38,8 %over 1 year
Workforce144,7 ETP+2,6 %over 1 year

Identity

Source · BCE/KBO

Buy Way Personal Finance is a Public limited company incorporated in 1960. Its registered office is in Bruxelles. It employs on average 144,7 ETP workers (FTE).

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0400.282.277
Incorporation
19/11/1960
Legal form
Public limited company
Registered office
Boulevard Baudouin 29 box 2
1000 Bruxelles · BruxellesSee on map
Contributed capital
13 284 905,00 €
Latest accounts
31/12/2025
Average workforce
144,7 ETP
Joint committees (2)
  • 200
  • 218
Signals
Healthy social debtsHigh revenue

Financials

Source · NBB, 30 filings

Trend over 19 financial years

20252024202320222021
Income statement
Revenue11,7 M €10,8 M €10,1 M €8,8 M €10 M €
EBITDA-28,6 M €-27 M €-24 M €-25,5 M €-20,2 M €
Operating result-30,3 M €-30 M €-27,1 M €-28,3 M €-22,5 M €
Net result-7,6 M €13,6 M €-3,7 M €-24,8 M €2 M €
Balance sheet
Equity12 M €19,5 M €14,3 M €18,1 M €42,8 M €
Total assets74,5 M €83,2 M €97,3 M €103 M €97,2 M €
Cash7,2 M €27 M €29,9 M €30 M €42,7 M €
Debts59,6 M €60,4 M €64,3 M €60,2 M €42,8 M €
Other
Workforce144,7 ETP141,0 ETP145,9 ETP159,7 ETP160,8 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 10 M€ and 25 M€
See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

5 active · 70 ended

Active mandates

Christiane VANDYCK

Director · since 13 mai 2025 · until 12 mai 2026

Active
Jean-Philippe VERBEKEN

Director · since 13 mai 2025 · until 12 mai 2026

Active
Sophie LE SAOUT

Director · since 13 mai 2025 · until 12 mai 2026

Active
Guillaume LOBJOIE

Chairman of the board of directors · since 09 mai 2023 · until 12 mai 2026

Active
Ugo SETTI

Director · since 09 mai 2023 · until 12 mai 2026

Active

Ended mandates

Christiane VANDYCK

Director · since 18 décembre 2024 · until 13 mai 2025

Ended
Jean-Philippe VERBEKEN

Director · since 14 mai 2024 · until 13 mai 2025

Ended
Sophie LE SAOUT

Director · since 14 mai 2024 · until 13 mai 2025

Ended
Sophie LE SAOUT

Director · since 08 novembre 2023 · until 14 mai 2024

Ended

Other companies at this address

Boulevard Baudouin 29 1000 Bruxelles
CompanyCBE no.
BUY WAY CONSUMER FINANCE● Active
0544.585.120
BUY WAY SERVICES● Active
0456.997.880
BUY WAY VAT GROUP● Active
0782.937.280
FIMASER● Active
0434.818.930
Just Eat Take Away unité TVA● Active
0787.389.085
Ticketmaster Belgium● Active
0459.784.453

Full financial information

Source · NBB
202520242023202220212020
Type of accountFull modelFull modelFull modelFull modelFull modelFull model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date10/06/202605/06/202510/06/202425/05/202302/06/202207/06/2021
General meeting12/05/202613/05/202514/05/202409/05/202310/05/202211/05/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 30 filings
ModelClosingGeneral meetingFiledLanguageDocument
Full model31/12/202512/05/202610/06/2026FrenchPDF
Consolidated accounts31/12/202512/05/202610/06/2026FrenchPDF
Full model31/12/202413/05/202505/06/2025FrenchPDF
Consolidated accounts31/12/202413/05/202506/06/2025FrenchPDF
Full model31/12/202314/05/202410/06/2024FrenchPDF
Consolidated accounts31/12/202314/05/202410/06/2024FrenchPDF
Full model31/12/202209/05/202325/05/2023FrenchPDF
Consolidated accounts31/12/202209/05/202330/05/2023FrenchPDF
Full model31/12/202110/05/202202/06/2022FrenchPDF
Consolidated accounts31/12/202110/05/202202/06/2022FrenchPDF
Full model31/12/202011/05/202107/06/2021FrenchPDF
Consolidated accounts31/12/202011/05/202107/06/2021FrenchPDF
Full model31/12/201912/05/202022/06/2020FrenchPDF
Consolidated accounts31/12/201912/05/202022/06/2020FrenchPDF
Full model31/12/201814/05/201926/06/2019FrenchPDF
Consolidated accounts31/12/201814/05/201926/06/2019FrenchPDF
Full model31/12/201708/05/201805/06/2018FrenchPDF
Consolidated accounts31/12/201708/05/201805/06/2018FrenchPDF
Full model31/12/201609/05/201706/06/2017FrenchPDF
Consolidated accounts31/12/201609/05/201706/06/2017FrenchPDF
Full model31/12/201510/05/201607/06/2016FrenchPDF
Full model31/12/201412/05/201516/06/2015FrenchPDF
Full model31/12/201313/05/201411/06/2014FrenchPDF
Full model31/12/201214/05/201304/07/2013FrenchPDF

View all 30 filings

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 10 M€ and 25 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan
Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Board of directors

Source · NBB, accounts to 31/12/2025

5 active · 70 ended

Active mandates

Christiane VANDYCK

Director · since 13 mai 2025 · until 12 mai 2026

Active
Jean-Philippe VERBEKEN

Director · since 13 mai 2025 · until 12 mai 2026

Active
Sophie LE SAOUT

Director · since 13 mai 2025 · until 12 mai 2026

Active
Guillaume LOBJOIE

Chairman of the board of directors · since 09 mai 2023 · until 12 mai 2026

Active
Ugo SETTI

Director · since 09 mai 2023 · until 12 mai 2026

Active

Ended mandates

Christiane VANDYCK

Director · since 18 décembre 2024 · until 13 mai 2025

Ended
Jean-Philippe VERBEKEN

Director · since 14 mai 2024 · until 13 mai 2025

Ended
Sophie LE SAOUT

Director · since 14 mai 2024 · until 13 mai 2025

Ended
Sophie LE SAOUT

Director · since 08 novembre 2023 · until 14 mai 2024

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates17/09/2026
    Renouvellement mandat administrateurs
    PDF
  • Mandates26/09/2025
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates06/02/2025
    DEMISSIONS, NOMINATIONS
    PDF
  • Capital / shares19/12/2024
    STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …) - CAPITAL, ACTIONS
    PDF
  • Mandates01/07/2024
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates13/12/2023
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates10/11/2023
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates21/02/2023
    DEMISSIONS, NOMINATIONS
    PDF

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

Timeline

  1. 2025
    Annual accounts 2025-7,6 M €↓
  2. 13/05/2025
    reconductionChristiane Vandyck — administrateur indépendant non-executif
  3. 13/05/2025
    reconductionSophie Le Saout — administrateur indépendant non-exécutif
  4. 13/05/2025
    reconductionJean-Philippe Verbeken — administrateur indépendant non-exécutif
  5. 2024
    Annual accounts 202413,6 M €↑
  6. 18/12/2024
    nominationChristiane Vandyck — administrateur indépendant non-exécutif
  7. 16/12/2024
    reduction_capital
  8. 14/05/2024
    reconductionSophie Le Saout — administrateur indépendant non-exécutif
  9. 14/05/2024
    reconductionJean-Philippe Verbeken — administrateur indépendant non-exécutif
  10. 2023
    Annual accounts 2023-3,7 M €↑
  11. 08/11/2023
    nominationSophie Le Saout — administrateur indépendant non-exécutif
  12. 01/10/2023
    nominationJean-Philippe Verbeken — administrateur indépendant non-exécutif
  13. 09/05/2023
    reconductionGuillaume Lobjoie — administrateur exécutif
  14. 09/05/2023
    reconductionUgo Setti — administrateur exécutif
  15. 2022
    Annual accounts 2022-24,8 M €↓
  16. 01/04/2022
    nominationBruno van Lierde — président et administrateur non exécutif indépendant
  17. 01/04/2022
    nominationHerman Erbé — administrateur non exécutif indépendant
  18. 01/04/2022
    nominationUgo Setti — administrateur exécutif
  19. 01/04/2022
    nominationGuillaume Lobjoie — administrateur exécutif
  20. 2021
    Annual accounts 20212 M €↓
  21. 2020
    Annual accounts 20203,5 M €↑
  22. 2019
    Annual accounts 2019-2,2 M €↓
  23. 2018
    Annual accounts 201811,4 M €↑
  24. 2017
    Annual accounts 20171 M €↑
  25. 2016
    Annual accounts 2016-2,6 M €↑
  26. 2015
    Annual accounts 2015-2,6 M €↓
  27. 2014
    Annual accounts 20147,2 M €↓
  28. 2013
    Annual accounts 20138,7 M €↓
  29. 2012
    Annual accounts 201215,6 M €↓
  30. 2011
    Annual accounts 201128,8 M €↑
  31. 2010
    Annual accounts 20105 M €↑
  32. 2009
    Annual accounts 2009-24,1 M €↓
  33. 2008
    Annual accounts 2008-3,1 M €↓
  34. 2007
    Annual accounts 20071,7 M €
  35. 19/11/1960
    IncorporationPublic limited company