ACTIVE

FINLIFE

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Financial year 2025 · Closed on 31/12/2025

Net result421 €-37,8 %over 1 year

Gross margin1,2 k €-17,4 %over 1 year

Equity11,1 k €-46,3 %over 1 year

Identity

Source · BCE/KBO

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
Latest accounts: 31/12/2025

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

Financials

Source · NBB, 20 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
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 €
EBITDA	766 €	-11.8%	868 €	+4.5%	831 €	-96.2%	21,9 k €	+12.9%	19,4 k €
Operating result	668 €	-13.2%	770 €	-7.3%	831 €	-96.2%	21,9 k €	+12.9%	19,4 k €
Net result	421 €	-37.8%	677 €	+13.8%	595 €	-96.3%	15,9 k €	-6.0%	17 k €
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 €
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 €
Cash	12,2 k €	-45.7%	22,5 k €	-17.9%	27,4 k €	-40.7%	46,2 k €	+56.0%	29,6 k €
Debts	1,2 k €	-39.8%	2 k €	-73.0%	7,4 k €	-15.0%	8,7 k €	+72.0%	5,1 k €
Other
Workforce	–		–		–		–		–

Valuation

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

3 active · 7 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Gilles ARNAUTS	MandateDirectorlisted until the 2022 accountsended
Nathalie DRAPIER	MandateDirectorlisted until the 2022 accountsended
Francis PANICHELLI	MandateDirector01/02/2017 → 2021 accountsended

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Catherine DOUCHAMPS	Administratrice01/02/2017 → 05/09/2022Mandate01/02/2017 → 2021 accounts
Marc SPOOREN	Director01/02/2017 → 2022 accountsManaging director01/02/2017 → 2021 accounts

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Drève Richelle 161 O 1410 Waterloo

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VITAFINANCE● Active	0688.749.290

Full financial information

Source · NBB

	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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	04/06/2026	04/08/2026	French	PDF
Abridged model	31/12/2024	05/06/2025	10/07/2025	French	PDF
Abridged model	31/12/2023	06/06/2024	09/07/2024	French	PDF
Abridged model	31/12/2022	02/02/2023	02/03/2023	French	PDF
Abridged model	31/12/2021	02/06/2022	17/11/2022	French	PDF
Abridged model	31/12/2020	03/06/2021	16/06/2021	French	PDF
Abridged model	31/12/2019	02/06/2020	11/06/2020	French	PDF
Abridged model	31/12/2018	06/06/2019	26/06/2019	French	PDF
Abridged model	31/12/2017	07/06/2018	20/06/2018	French	PDF
Abridged model	31/12/2016	01/06/2017	21/06/2017	French	PDF
Abridged model	31/12/2015	02/06/2016	29/07/2016	French	PDF
Abridged model	31/12/2014	04/06/2015	26/06/2015	French	PDF
Abridged model	31/12/2013	05/06/2014	10/07/2014	French	PDF
Abridged model	31/12/2012	06/06/2013	30/07/2013	French	PDF
Abridged model	31/12/2011	29/06/2012	28/08/2012	French	PDF
Abridged model	31/12/2010	03/06/2011	08/06/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	26/07/2010	French	PDF
Abridged model	31/12/2008	04/06/2009	29/06/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	29/07/2008	French	PDF
Abridged model	31/12/2006	30/06/2007	26/07/2007	French	PDF

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.

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

3 active · 7 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Gilles ARNAUTS	MandateDirectorlisted until the 2022 accountsended
Nathalie DRAPIER	MandateDirectorlisted until the 2022 accountsended
Francis PANICHELLI	MandateDirector01/02/2017 → 2021 accountsended

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Catherine DOUCHAMPS	Administratrice01/02/2017 → 05/09/2022Mandate01/02/2017 → 2021 accounts
Marc SPOOREN	Director01/02/2017 → 2022 accountsManaging director01/02/2017 → 2021 accounts

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Registered office22/12/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - SIEGE SOCIAL - ASSEMBLEE GENERALE
PDF
Mandates26/04/2023
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Registered office25/09/2020
SIEGE SOCIAL
PDF
Mandates28/02/2017
DEMISSIONS, NOMINATIONS
PDF
Other25/11/2015
Mod 2.1
PDF
Registered office03/03/2014
TRANSFERT DU SIEGE SOCIAL
PDF
Mandates05/07/2013
DEMISSION !
PDF
Other23/01/2013
Modification des statuts
PDF

Similar companies

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

See the Business plan

Timeline

Source · CBE, NBB annual accounts

Year

Identity

Incorporation

Name

Registered office

Annual accounts

Filings20 filings

Mandates

Francis Panichelli

Gilles Arnauts

Nathalie Drapier

Marc SPOOREN

Catherine DOUCHAMPS

Luc DELLICOUR

Arnaud DELLICOUR

MCS CONSULT

Michel DECAMPS

Guy BETTENS

200320042005200620072008200920102011201220132014201520162017201820192020202120222023202420252026

FINLIFEDB ` D ASSOCIES

Drève Richelle 161 O bte 107, 1410 WaterlooChaussée de Louvain 496, 1380 Lasne

Director

Managing directorDirector

Administratrice

Director

Managing director

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Drève Richelle 161 O bte 107, 1410 WaterlooCurrent	accounts 2023 → 2025	Accounts 2025 · 2026-00379788
Chaussée de Louvain 496, 1380 Lasne	accounts 2021 → 2022	Accounts 2022 · 2023-00034344

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
FINLIFECurrent	accounts 2010 → 2025	Accounts 2025 · 2026-00379788
DB ` D ASSOCIES	accounts 2006 → 2009	Accounts 2009 · 2010-34200405

Events

2025
Annual accounts 2025421 €↓
2024
Annual accounts 2024677 €↑
2023
Annual accounts 2023595 €↓
2022
Annual accounts 202215,9 k €↓
2021
Annual accounts 202117 k €↑
2020
Annual accounts 20201,2 k €↑
2019
Annual accounts 2019-4,9 k €↓
2018
Annual accounts 2018965,1 €↑
2017
Annual accounts 2017-2,5 k €↑
2016
Annual accounts 2016-4,3 k €↓
2015
Annual accounts 2015-4 k €↓
2014
Annual accounts 20141,9 k €↑
2013
Annual accounts 2013552,6 €↓
2012
Annual accounts 20121 k €↑
2011
Annual accounts 2011756 €↓
2010
Annual accounts 20101,7 k €↑
2010
Name changeFINLIFE
2009
Annual accounts 2009869,3 €↑
2008
Annual accounts 2008734,2 €↑
2007
Annual accounts 2007355,6 €↑
2006
Annual accounts 2006339 €
05/06/2003
IncorporationPrivate limited company

FINLIFE

Overview

Identity

Financials

Valuation

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline

Timeline

Registered offices

Company names

Events