FINLIFE
0480.666.375 · rovalta.com · 24/09/2026
ACTIVE
FINLIFE
Financial year 2025 · closed on 31/12/2025
Net result
421 €
-37.8% YoY
Gross margin
1,2 k €
-17.4% YoY
Equity
11,1 k €
-46.3% YoY
Overview
What does FINLIFE do?
FINLIFE is a Private limited company incorporated in 2003. Its registered office is in Waterloo.
Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0480.666.375
Incorporation
05/06/2003
Legal form
Private limited company
Registered office
Drève Richelle 161 O box 107
1410 Waterloo · WallonieSee on map
1410 Waterloo · WallonieSee on map
Latest accounts
31/12/2025
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA
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Financials
Trend over 20 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | ||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||||||||||||||||||||||||||||||||
| Gross margin | 1,2 k € | -17.4% | 1,5 k € | +47.4% | 1 k € | -95.3% | 21,9 k € | +5.8% | 20,7 k € | +551% | 3,2 k € | +205% | -3 k € | -168% | 4,4 k € | -57.4% | 10,4 k € | -72.4% | 37,7 k € | +92.7% | 19,5 k € | +557% | 3 k € | +11.4% | 2,7 k € | -27.0% | 3,7 k € | +531% | -847,4 € | -222% | 695,7 € | +156% | -1,2 k € | -175% | 1,6 k € | -27.7% | 2,3 k € | -70.2% | 7,6 k € |
| EBITDA | 766 € | -11.8% | 868 € | +4.5% | 831 € | -96.2% | 21,9 k € | +12.9% | 19,4 k € | +1243% | 1,4 k € | +130% | -4,7 k € | -276% | 2,7 k € | +263% | -1,7 k € | +50.7% | -3,4 k € | +8.7% | -3,7 k € | -264% | 2,2 k € | +15.8% | 1,9 k € | -33.8% | 2,9 k € | +284% | -1,6 k € | -3486% | -44,3 € | +97.8% | -2 k € | -227% | 1,6 k € | -28.8% | 2,2 k € | -37.1% | 3,5 k € |
| Operating result | 668 € | -13.2% | 770 € | -7.3% | 831 € | -96.2% | 21,9 k € | +12.9% | 19,4 k € | +1243% | 1,4 k € | +130% | -4,7 k € | -354% | 1,9 k € | +175% | -2,5 k € | +40.7% | -4,2 k € | -13.7% | -3,7 k € | -264% | 2,2 k € | +15.8% | 1,9 k € | -17.3% | 2,3 k € | +208% | -2,2 k € | -247% | -625,7 € | +75.6% | -2,6 k € | -949% | 302,1 € | -64.0% | 839,1 € | +85.6% | 452 € |
| Net result | 421 € | -37.8% | 677 € | +13.8% | 595 € | -96.3% | 15,9 k € | -6.0% | 17 k € | +1260% | 1,2 k € | +125% | -4,9 k € | -608% | 965,1 € | +138% | -2,5 k € | +41.7% | -4,3 k € | -9.1% | -4 k € | -306% | 1,9 k € | +249% | 552,6 € | -46.2% | 1 k € | +35.8% | 756 € | -56.2% | 1,7 k € | +98.6% | 869,3 € | +18.4% | 734,2 € | +106% | 355,6 € | +4.9% | 339 € |
| Balance sheet | |||||||||||||||||||||||||||||||||||||||
| Equity | 11,1 k € | -46.3% | 20,7 k € | +3.4% | 20 k € | -50.7% | 40,5 k € | +64.9% | 24,6 k € | +223% | 7,6 k € | +19.6% | 6,4 k € | -43.5% | 11,3 k € | +9.4% | 10,3 k € | -19.7% | 12,8 k € | -25.2% | 17,2 k € | -56.4% | 39,3 k € | +5.2% | 37,4 k € | +1.5% | 36,8 k € | +2.9% | 35,8 k € | +2.2% | 35,1 k € | +5.2% | 33,3 k € | +2.7% | 32,5 k € | +2.3% | 31,7 k € | +1.1% | 31,4 k € |
| Total assets | 12,3 k € | -45.8% | 22,7 k € | -17.2% | 27,4 k € | -44.4% | 49,2 k € | +66.1% | 29,6 k € | +47.4% | 20,1 k € | +42.0% | 14,2 k € | -27.3% | 19,5 k € | -18.0% | 23,7 k € | -36.8% | 37,6 k € | -27.9% | 52,1 k € | -26.2% | 70,6 k € | +32.9% | 53,1 k € | -49.2% | 104,5 k € | +44.2% | 72,5 k € | -15.0% | 85,3 k € | -13.7% | 98,9 k € | +86.6% | 53 k € | -28.1% | 73,7 k € | +49.1% | 49,4 k € |
| Cash | 12,2 k € | -45.7% | 22,5 k € | -17.9% | 27,4 k € | -40.7% | 46,2 k € | +56.0% | 29,6 k € | +47.4% | 20,1 k € | +90.5% | 10,6 k € | -33.5% | 15,9 k € | -14.5% | 18,6 k € | -40.0% | 30,9 k € | -10.6% | 34,6 k € | -40.6% | 58,3 k € | +15.8% | 50,3 k € | +32.6% | 37,9 k € | – | 44,5 k € | +44.3% | 30,9 k € | +21.3% | 25,4 k € | -48.4% | 49,3 k € | +7.0% | 46,1 k € | ||
| Debts | 1,2 k € | -39.8% | 2 k € | -73.0% | 7,4 k € | -15.0% | 8,7 k € | +72.0% | 5,1 k € | -59.6% | 12,5 k € | +60.2% | 7,8 k € | -5.0% | 8,2 k € | -38.9% | 13,4 k € | -45.6% | 24,7 k € | -29.0% | 34,8 k € | +11.3% | 31,3 k € | +98.6% | 15,8 k € | -76.7% | 67,7 k € | +84.5% | 36,7 k € | -27.0% | 50,3 k € | -23.3% | 65,5 k € | +219% | 20,5 k € | -51.2% | 42 k € | +132% | 18,1 k € |
| Other | |||||||||||||||||||||||||||||||||||||||
| Workforce | – | – | – | – | – | – | – | – | – | – | 0,7 ETP | – | – | – | – | – | – | – | – | – | |||||||||||||||||||
Estimate
Indicative valuation
As an indication, this company is worth
between 0 € and 100 k€
See the valuationGovernance
Board of directors
Seen on filing of 31/12/2025 · 3 active · 21 ended
Active mandates
Francis Panichelli
ActiveGilles Arnauts
ActiveNathalie Drapier
ActiveEnded mandates
Gilles ARNAUTS
EndedNathalie DRAPIER
EndedCatherine DOUCHAMPS
EndedCatherine DOUCHAMPS
EndedAt this address
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Financials
Annual accounts
Full financial information
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Type of account | Micro model | Abridged model | Abridged model | Abridged model | Abridged model | Abridged model |
| Start of the financial year | 01/01/2025 | 01/01/2024 | 01/01/2023 | 01/01/2022 | 01/01/2021 | 01/01/2020 |
| Closing of the financial year | 31/12/2025 | 31/12/2024 | 31/12/2023 | 31/12/2022 | 31/12/2021 | 31/12/2020 |
| Length of the financial year | 12 months | 12 months | 12 months | 12 months | 12 months | 12 months |
| Filing date | 04/08/2026 | 10/07/2025 | 09/07/2024 | 02/03/2023 | 17/11/2022 | 16/06/2021 |
| General meeting | 04/06/2026 | 05/06/2025 | 06/06/2024 | 02/02/2023 | 02/06/2022 | 03/06/2021 |
| Currency of the financial year | EUR | EUR | EUR | EUR | EUR | EUR |
| NBB quality label | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls |
Ratios
Financial ratios
Looking for more information about this company?
Try for 7 daysFilings
Annual accounts filings
20 filings with the NBB
| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Micro model | 31/12/2025 | 04/06/2026 | 04/08/2026 | French | |
| Abridged model | 31/12/2024 | 05/06/2025 | 10/07/2025 | French | |
| Abridged model | 31/12/2023 | 06/06/2024 | 09/07/2024 | French | |
| Abridged model | 31/12/2022 | 02/02/2023 | 02/03/2023 | French | |
| Abridged model | 31/12/2021 | 02/06/2022 | 17/11/2022 | French | |
| Abridged model | 31/12/2020 | 03/06/2021 | 16/06/2021 | French | |
| Abridged model | 31/12/2019 | 02/06/2020 | 11/06/2020 | French | |
| Abridged model | 31/12/2018 | 06/06/2019 | 26/06/2019 | French | |
| Abridged model | 31/12/2017 | 07/06/2018 | 20/06/2018 | French | |
| Abridged model | 31/12/2016 | 01/06/2017 | 21/06/2017 | French | |
| Abridged model | 31/12/2015 | 02/06/2016 | 29/07/2016 | French | |
| Abridged model | 31/12/2014 | 04/06/2015 | 26/06/2015 | French | |
| Abridged model | 31/12/2013 | 05/06/2014 | 10/07/2014 | French | |
| Abridged model | 31/12/2012 | 06/06/2013 | 30/07/2013 | French | |
| Abridged model | 31/12/2011 | 29/06/2012 | 28/08/2012 | French | |
| Abridged model | 31/12/2010 | 03/06/2011 | 08/06/2011 | French | |
| Abridged model | 31/12/2009 | 30/06/2010 | 26/07/2010 | French | |
| Abridged model | 31/12/2008 | 04/06/2009 | 29/06/2009 | French | |
| Abridged model | 31/12/2007 | 30/06/2008 | 29/07/2008 | French | |
| Abridged model | 31/12/2006 | 30/06/2007 | 26/07/2007 | French |
Valuation
Estimate
Indicative valuation
Order of magnitude
As an indication, this company is worth
between 0 € and 100 k€
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.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Governance
Board of directors
Seen on filing of 31/12/2025 · 3 active · 21 ended
Active mandates
Francis Panichelli
ActiveGilles Arnauts
ActiveNathalie Drapier
ActiveEnded mandates
Gilles ARNAUTS
EndedNathalie DRAPIER
EndedCatherine DOUCHAMPS
EndedCatherine DOUCHAMPS
EndedShareholders
Ownership and network
Looking for more information about this company?
Try for 7 daysPublications
Belgian Official Gazette
Belgian Official Gazette publications
- Registered office22/12/2023STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - SIEGE SOCIAL - ASSEMBLEE GENERALE
- Mandates26/04/2023SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
- Registered office25/09/2020SIEGE SOCIAL
- Mandates28/02/2017DEMISSIONS, NOMINATIONS
- Mandates25/11/2015SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
- Registered office03/03/2014SIEGE SOCIAL
- Mandates05/07/2013DEMISSIONS, NOMINATIONS
- Other23/01/2013STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
Source: Belgian Official Gazette
Similar companies
Competition
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 2025421 €↓
- 2024Annual accounts 2024677 €↑
- 2023Annual accounts 2023595 €↓
- 2022Annual accounts 202215,9 k €↓
- 2021Annual accounts 202117 k €↑
- 2020Annual accounts 20201,2 k €↑
- 2019Annual accounts 2019-4,9 k €↓
- 2018Annual accounts 2018965,1 €↑
- 2017Annual accounts 2017-2,5 k €↑
- 2016Annual accounts 2016-4,3 k €↓
- 2015Annual accounts 2015-4 k €↓
- 2014Annual accounts 20141,9 k €↑
- 2013Annual accounts 2013552,6 €↓
- 2012Annual accounts 20121 k €↑
- 2011Annual accounts 2011756 €↓
- 2010Annual accounts 20101,7 k €↑
- 2010Name changeFINLIFE
- 2009Annual accounts 2009869,3 €↑
- 2008Annual accounts 2008734,2 €↑
- 2007Annual accounts 2007355,6 €↑
- 2006Annual accounts 2006339 €
- 2006Name changeDB ` D ASSOCIES
- 05/06/2003IncorporationPrivate limited company