ACTIVE

FINARIUS - CREDIT & RISK INSURANCE

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Financial year 2025 · Closed on 31/12/2025

Net result7,3 k €+143,8 %over 1 year
Gross margin8,1 k €+152,3 %over 1 year
Equity11,7 k €+164,0 %over 1 year

Identity

Source · BCE/KBO

FINARIUS - CREDIT & RISK INSURANCE is a Public limited company incorporated in 2007. Its registered office is in Liège.

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0886.478.743
Incorporation
17/01/2007
Legal form
Public limited company
Registered office
Rue Forgeur 1
4000 Liège · WallonieSee on map
Contributed capital
100 000,00 €
Latest accounts
31/12/2025
Signals
ProfitableGood liquidityPositive cashflowPositive EBITDA

Financials

Source · NBB, 19 filings

Trend over 19 financial years

20252024202320222021
Income statement
Gross margin8,1 k €-15,6 k €-3 k €13 k €4,3 k €
EBITDA7,5 k €-16,4 k €-4,5 k €12,3 k €4,3 k €
Operating result7,5 k €-16,4 k €-4,5 k €11,9 k €4,9 k €
Net result7,3 k €-16,5 k €-4,7 k €11,7 k €4,7 k €
Balance sheet
Equity11,7 k €4,4 k €21 k €25,7 k €14 k €
Total assets69,1 k €66,5 k €55 k €59 k €16,6 k €
Cash8,8 k €3,5 k €1,6 k €3 k €6,7 k €
Debts57,5 k €62,1 k €34 k €33,3 k €2,5 k €

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

1 active · 25 ended

Active mandates

D.B.M.

Managing director · since 11 décembre 2023 · until 11 décembre 2029 · 0867.366.179

Represented by Christian Dubernard

Active

Ended mandates

Christian Dubernard

Managing director · since 22 avril 2023 · until 22 avril 2029

Ended
D.B.M.

Managing director · since 21 avril 2017 · until 21 avril 2023 · 0867.366.179

Represented by CHRISTIAN DUBERNARD

Ended
D.B.M.

Director · since 21 avril 2017 · until 21 avril 2023 · 0867.366.179

Represented by Christian Dubernard

Ended
D.B.M.

Managing director · since 21 avril 2017 · until 21 avril 2023 · 0867.366.179

Represented by Christian DUBERNARD

Ended

Other companies at this address

Rue Forgeur 1 4000 Liège
CompanyCBE no.
Association des Copropriétaires de la Résidence Rive Gauche à Liège rue Forgeur 1● Active
0547.697.236

Full financial information

Source · NBB
202520242023202220212020
Type of accountMicro modelMicro modelMicro modelMicro modelMicro modelMicro 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 date31/07/202618/07/202515/07/202420/07/202311/08/202230/07/2021
General meeting30/06/202625/06/202506/06/202421/06/202331/07/202220/06/2021
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, 19 filings
ModelClosingGeneral meetingFiledLanguageDocument
Micro model31/12/202530/06/202631/07/2026FrenchPDF
Micro model31/12/202425/06/202518/07/2025FrenchPDF
Micro model31/12/202306/06/202415/07/2024FrenchPDF
Micro model31/12/202221/06/202320/07/2023FrenchPDF
Micro model31/12/202131/07/202211/08/2022FrenchPDF
Micro model31/12/202020/06/202130/07/2021FrenchPDF
Micro model31/12/201908/09/202015/10/2020FrenchPDF
Micro model31/12/201806/06/201901/07/2019FrenchPDF
Micro model31/12/201707/06/201830/08/2018FrenchPDF
Abridged model31/12/201601/06/201707/07/2017FrenchPDF
Abridged model31/12/201502/06/201616/06/2016FrenchPDF
Abridged model31/12/201404/06/201530/07/2015FrenchPDF
Abridged model31/12/201305/06/201423/06/2014FrenchPDF
Abridged model31/12/201227/06/201324/07/2013FrenchPDF
Abridged model31/12/201130/06/201222/08/2012FrenchPDF
Abridged model31/12/201030/06/201130/08/2011FrenchPDF
Abridged model31/12/200930/06/201030/09/2010FrenchPDF
Abridged model31/12/200830/06/200909/11/2009FrenchPDF
Abridged model31/12/200705/06/200804/08/2008FrenchPDF

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

1 active · 25 ended

Active mandates

D.B.M.

Managing director · since 11 décembre 2023 · until 11 décembre 2029 · 0867.366.179

Represented by Christian Dubernard

Active

Ended mandates

Christian Dubernard

Managing director · since 22 avril 2023 · until 22 avril 2029

Ended
D.B.M.

Managing director · since 21 avril 2017 · until 21 avril 2023 · 0867.366.179

Represented by CHRISTIAN DUBERNARD

Ended
D.B.M.

Director · since 21 avril 2017 · until 21 avril 2023 · 0867.366.179

Represented by Christian Dubernard

Ended
D.B.M.

Managing director · since 21 avril 2017 · until 21 avril 2023 · 0867.366.179

Represented by Christian DUBERNARD

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates19/12/2023
    STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …) - DEMISSIONS, NOMINATIONS
    PDF
  • Registered office22/08/2022
    SIEGE SOCIAL
    PDF
  • Mandates24/07/2019
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates25/08/2017
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates27/08/2014
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates23/01/2012
    DENOMINATION - SIEGE SOCIAL - OBJET - CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …)
    PDF
  • Mandates22/08/2008
    SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
    PDF
  • Mandates15/06/2007
    SIEGE SOCIAL - DENOMINATION - ASSEMBLEE GENERALE - CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …)
    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 20257,3 k €↑
  2. 2025
    Name changeFINARIUS CREDIT
  3. 2024
    Annual accounts 2024-16,5 k €↓
  4. 2023
    Annual accounts 2023-4,7 k €↓
  5. 2022
    Annual accounts 202211,7 k €↑
  6. 2021
    Annual accounts 20214,7 k €↓
  7. 2020
    Annual accounts 20204,9 k €↑
  8. 2019
    Annual accounts 2019-111,5 k €↓
  9. 2018
    Annual accounts 2018-9,1 k €↓
  10. 2017
    Annual accounts 20173,8 k €↑
  11. 2016
    Annual accounts 20161,1 k €↓
  12. 2015
    Annual accounts 201524,9 k €↑
  13. 2014
    Annual accounts 20146,6 k €↓
  14. 2013
    Annual accounts 201316,2 k €↓
  15. 2012
    Annual accounts 201216,2 k €↑
  16. 2011
    Annual accounts 20115,4 k €↑
  17. 2011
    Name changeFINARIUS-CREDIT&RISK INSURANCE
  18. 2010
    Annual accounts 2010-1,2 k €↓
  19. 2009
    Annual accounts 20091,8 k €↑
  20. 2008
    Annual accounts 2008-11,9 k €↑
  21. 2007
    Annual accounts 2007-38 k €
  22. 17/01/2007
    IncorporationPublic limited company
  23. 2007
    Name changeFINARIUS - CREDIT & RISK MANAGMENT