Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 47 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
J&M INVEST from Knokke-Heist, company number BE0403356286, closed financial year 2025 with a result of € -196,428 after tax. For that financial year J&M INVEST recorded revenue of € 200,614 and equity of € 2.4 million. Compared with financial year 2024, the result moved from € -116,529 to € -196,428. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 6, 2025.
€ 2.4 million
▼ 8% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -196,428
▼ 69 % more loss than in 2024
Profit after tax over the fiscal year.
€ 13,542
▼ 91% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 2.3 million.
People and assets in 2025
€ 1,744
▼ 50% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.2 million
▼ 13% vs 2024
€ 90,207 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 8,484
▲ 34% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 11 days on average.
€ 5,708
▼ 61% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | - | € 181,821 | € 215,862 | € 200,614 | ▼ 7% |
| Gross margin | € 70,030 | - | - | - | |
| Profit after taxes | € 6,825 | € -105,611 | € -116,529 | € -196,428 | ▼ € 79,899 |
| Equity | € 2,953,616 | € 2,664,554 | € 2,548,025 | € 2,351,597 | ▼ 8% |
| Total debts | € 2,000,069 | € 1,908,249 | € 1,559,128 | € 1,288,617 | ▼ 17% |
| Cash | € 17,507 | € 17,649 | € 143,763 | € 13,542 | ▼ 91% |
| Land & buildings | € 2,956,235 | € 2,895,089 | € 2,806,320 | € 2,744,197 | ▼ 2% |
| Retained profit | € 2,891,616 | € 2,602,554 | € 2,486,025 | € 2,289,597 | ▼ 8% |
| Dividend | € 0 | € 183,452 | € 0 | € 0 | |
| Bank debt | € 1,778,502 | € 1,595,086 | € 1,412,633 | € 1,226,321 | ▼ 13% |
| Balance sheet total | € 5,335,208 | € 4,938,793 | € 4,457,612 | € 3,975,141 | ▼ 11% |
Key figures of J&M INVEST, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to J&M INVEST?
What happened at J&M INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 196,428. Source: NBB ↗
- Christophe Engels became a director. NBB
- New establishment in Knokke-Heist. KBO
- Start of the company according to the CBE. KBO
In short
From € 6,825 profit in 2022 to € 196,428 loss in 2025.
Paid € 1,158 in corporate taxes since 2022.
Best year ever: 2022, with € 6,825 profit.
Paid out € 183,452 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind J&M INVEST is Christophe Engels. It owns 25% of Black Duck nv and 10.5% of Black Swan NV itself.
Directors
According to the 2025 annual accounts
Christophe Engels
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Wielewalenlaan 9
8300 Knokke-Heist
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0403.356.286
- VAT number
- BE 0403.356.286
- Registered office
- Wielewalenlaan 9, 8300 Knokke-Heist
- Names & denominations
- J&M INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1968
- Peppol
- Active · Active since 15 Dec 2025
- Activities · NACE
Activiteiten van holdings
Holdings
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Organisatie van congressen en beurzen
Overige zakelijke dienstverlening, neg
Activiteiten van adviesbureaus op het gebied van public relations en communicatie
Adviesbureaus op het gebied van public relations en communicatie