Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 46 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FIVA-INVEST from Kruisem, company number BE0422836262, closed financial year 2025 with a result of € -4,163 after tax. For that financial year FIVA-INVEST recorded a gross margin of € 212,162 and equity of € 5.5 million. Compared with financial year 2024, the result moved from € 44,132 to € -4,163. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on January 21, 2026.
€ 5.5 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -4,163
▼ still € 44,132 profit in 2024
Profit after tax over the fiscal year.
€ 5,723
▼ 65% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 1.6 million.
Debts at end 2025
€ 4.4 million
▼ 13% vs 2024
€ 113,175 is repaid this year. At this pace the long-term loan is gone in ≈ 38 years.
€ 120,194
▲ 30% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 184,672
▲ 26% 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 | |
|---|---|---|---|---|---|
| Gross margin | € 281,811 | € 260,021 | € 410,157 | € 212,162 | ▼ 48% |
| Profit after taxes | € -14,959 | € 58,702 | € 44,132 | € -4,163 | ▼ € 48,295 |
| Equity | € 5,422,842 | € 5,481,545 | € 5,475,677 | € 5,471,514 | |
| Total debts | € 12,171,950 | € 11,162,161 | € 15,101,547 | € 14,804,330 | ▼ 2% |
| Cash | € 260,025 | € 9,139 | € 16,379 | € 5,723 | ▼ 65% |
| Land & buildings | € 2,054,956 | € 1,970,055 | € 2,174,664 | € 2,483,086 | ▲ 14% |
| Retained profit | € 1,547,842 | € 1,606,545 | € 1,600,677 | € 1,596,514 | |
| Dividend | € 0 | € 0 | € 50,000 | € 0 | ▼ 100% |
| Bank debt | € 4,018,133 | € 2,984,778 | € 5,008,126 | € 4,354,133 | ▼ 13% |
| Balance sheet total | € 17,655,418 | € 16,704,331 | € 20,631,179 | € 20,328,176 | ▼ 1% |
Key figures of FIVA-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 FIVA-INVEST?
What happened at FIVA-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 € 4,163 (▼ € 48,295 vs 2024). Source: NBB ↗
- Fima BV became a director. NBB
- P.S. Management BV became a director. NBB
- New establishment in Kruisem. KBO
- Start of the company according to the CBE. KBO
In short
From € 14,959 loss in 2022 to € 4,163 loss in 2025.
Paid € 21,238 in corporate taxes since 2022.
Best year ever: 2023, with € 58,702 profit.
Paid out € 50,000 in dividends to the owners in total.
A new publication or filing at FIVA-INVEST? We notify you, reason included.
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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
The stake of FIMA comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FIVA-INVESTBehind FIVA-INVEST are Fima BV and P.S. Management BV. The shares are held by FIMA (99.9%). It owns 50% of Ruitershof Construct NV, 20% of De Ovonde NV and 5% of De Wolspinnerij BV itself.
Directors
According to the 2025 annual accounts
Director · represented by Maes FILIP
Also active at: EASY-CAR-RENT, DE OVONDE, FIBO CONSTRUCT, Just Air, STORIUM+
since 2009
Director · represented by Beel SABINE
since 2009
Shareholders
99.9%
Participations
Establishments
Establishment units
Physical locations of this company
Waregemsestraat (Nok) 17
9771 Kruisem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0422.836.262
- VAT number
- BE 0422.836.262
- Registered office
- Waregemsestraat (Nok) 17, 9771 Kruisem
- Names & denominations
- FIVA-INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 July 1982
- Peppol
- Active · Active since 12 Dec 2025
- Activities · NACE
Activiteiten van holdings
Managementactiviteiten van holdings
Holdings