Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 42 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
INVEST A.M. from Tienen, company number BE0444866051, closed financial year 2025 with a result of € -10,879 after tax. For that financial year INVEST A.M. recorded a gross margin of € 20,300 and equity of € 3,824. Compared with financial year 2024, the result moved from € 80,096 to € -10,879. The company made a loss. The buffer shrank hard: equity is 74 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 28, 2026.
€ 3,824
▼ 74% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -10,879
▼ still € 80,096 profit in 2024
Profit after tax over the fiscal year.
€ 18,026
▼ 50% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -8,571.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 43,353
▼ 15% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 49,382
▼ 19% vs 2024
€ 12,178 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 1,099
▼ 5% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 15,503 | € 41,626 | € 105,593 | € 20,300 | ▼ 81% |
| Profit after taxes | € -9,124 | € 16,910 | € 80,096 | € -10,879 | ▼ € 90,975 |
| Equity | € -82,304 | € -65,394 | € 14,702 | € 3,824 | ▼ 74% |
| Total debts | € 171,089 | € 172,265 | € 129,245 | € 117,096 | ▼ 9% |
| Cash | € 673 | € 476 | € 35,889 | € 18,026 | ▼ 50% |
| Land & buildings | € 100,389 | € 82,856 | € 64,217 | € 49,680 | ▼ 23% |
| Retained profit | € -94,698 | € -77,789 | € 2,308 | € -8,571 | ▼ € 10,879 |
| Bank debt | € 81,867 | € 74,564 | € 60,858 | € 49,382 | ▼ 19% |
| Balance sheet total | € 101,370 | € 117,235 | € 152,091 | € 126,843 | ▼ 17% |
Key figures of INVEST A.M., fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to INVEST A.M.?
What happened at INVEST A.M. in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 10,879 (▼ € 90,975 vs 2024). Source: NBB ↗
- New establishment in Tienen. KBO
- MICHEL VANDIJCK became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 9,124 loss in 2022 to € 10,879 loss in 2025.
Paid € 791 in corporate taxes since 2022.
Best year ever: 2024, with € 80,096 profit.
Management
Behind INVEST A.M. is MICHEL VANDIJCK.
Directors
According to the 2025 annual accounts
MICHEL VANDIJCK
Director
since 2013
Establishments
Establishment units
Physical locations of this company
Veeweidestraat(SMH) 11
3300 Tienen
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0444.866.051
- VAT number
- BE 0444.866.051
- Registered office
- Veeweidestraat(SMH) 11, 3300 Tienen
- Names & denominations
- INVEST A.M.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 August 1991
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
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