What does M & S INVEST do?

M & S INVEST is a bar in Bornem. Private Limited, started on 7 November 1994, 1 establishment.

What is the address of M & S INVEST?

The registered office of M & S INVEST is located at Klein-Mechelen(BOR) 18a, 2880 Bornem.

Is M & S INVEST still active?

Yes. According to the CBE (29 October 2026) M & S INVEST is active, legal situation “Normale toestand”, started on 7 November 1994.

Is M & S INVEST registered on Peppol?

No, M & S INVEST is currently not registered on the Peppol network.

What is the enterprise number of M & S INVEST?

The enterprise number of M & S INVEST is BE0453772631.

When was M & S INVEST founded?

M & S INVEST was founded on 7 November 1994.

Who are the directors of M & S INVEST?

According to the 2025 annual accounts, the directors of M & S INVEST are: Kerel BV, LUMA Comm.V.

Is M & S INVEST a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 7 November 1994; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did M & S INVEST make in 2025?

M & S INVEST posted a profit after taxes of € 77,082 in financial year 2025.

What is the revenue of M & S INVEST?

As a small company, M & S INVEST is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 614,522.

How much does an employee at M & S INVEST earn?

The average wage cost per full-time employee at M & S INVEST was € 44,200 in 2025: staff costs of € 428,818 for 9.7 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does M & S INVEST have?

According to the 2025 annual accounts, M & S INVEST has 9.7 full-time equivalents (FTE).

M & S INVEST (Private Limited) - Bornem - BE0453772631

Dossier M & S INVEST, printed on 29 October 2026 from databakkes.be/en/0453772631/m-s-invest. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Shrinking team NBB

FTE fell two years in a row, from 13.9 to 9.7.
Figures corrected NBB

Corrected annual account filed for 2024.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

M & S INVEST from Bornem, company number BE0453772631, closed financial year 2025 with a result of € 77,082 after tax. For that financial year M & S INVEST recorded a gross margin of € 614,522 and equity of € 159,928. Compared with financial year 2024, the result moved from € -41,895 to € 77,082. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 6, 2026.

What it is worth Growing

€ 159,928

▲ 93% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 77,082

▲ still € 41,895 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 46,539

▲ 122% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 141,328.

People and assets in 2025

Full-time equivalents

9.7

▼ 1 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 428,818

▼ 11% vs 2024

€ 44,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 68,351

▼ 56% vs 2024

Of which on lease € 43,035.

Debts at end 2025

Bank debt ≈ 2 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 68,319

▼ 50% vs 2024

€ 31,839 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 95,690

▲ 144% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 38,672

▲ 17% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 620,974 Gross margin 2022: € 620,974 First fiscal year in the series	€ 666,515 Gross margin 2023: € 666,515 ▲ 7% vs 2022 (€ 620,974) Favourable step	€ 606,441 Gross margin 2024: € 606,441 ▼ 9% vs 2023 (€ 666,515) Unfavourable step	€ 614,522 Gross margin 2025: € 614,522 ▲ 1% vs 2024 (€ 606,441) Favourable step	▲ 1%
Profit after taxes	€ 38,783 Profit after taxes 2022: € 38,783 First fiscal year in the series	€ 2,383 Profit after taxes 2023: € 2,383 ▼ 94% vs 2022 (€ 38,783) Unfavourable step	€ -41,895 Profit after taxes 2024: € -41,895 ▼ € 44,278 vs 2023 (€ 2,383) Unfavourable step	€ 77,082 Profit after taxes 2025: € 77,082 ▲ € 118,977 vs 2024 (€ -41,895) Favourable step	▲ € 118,977
Equity	€ 122,357 Equity 2022: € 122,357 First fiscal year in the series	€ 124,740 Equity 2023: € 124,740 ▲ 2% vs 2022 (€ 122,357) Favourable step	€ 82,846 Equity 2024: € 82,846 ▼ 34% vs 2023 (€ 124,740) Unfavourable step	€ 159,928 Equity 2025: € 159,928 ▲ 93% vs 2024 (€ 82,846) Favourable step	▲ 93%
Total debts	€ 423,310 Total debts 2022: € 423,310 First fiscal year in the series	€ 488,042 Total debts 2023: € 488,042 ▲ 15% vs 2022 (€ 423,310) Unfavourable step	€ 207,622 Total debts 2024: € 207,622 ▼ 57% vs 2023 (€ 488,042) Favourable step	€ 268,642 Total debts 2025: € 268,642 ▲ 29% vs 2024 (€ 207,622) Unfavourable step	▲ 29%
Cash	€ 25,318 Cash 2022: € 25,318 First fiscal year in the series	€ 23,212 Cash 2023: € 23,212 ▼ 8% vs 2022 (€ 25,318) Unfavourable step	€ 20,988 Cash 2024: € 20,988 ▼ 10% vs 2023 (€ 23,212) Unfavourable step	€ 46,539 Cash 2025: € 46,539 ▲ 122% vs 2024 (€ 20,988) Favourable step	▲ 122%
Retained profit	€ 103,757 Retained profit 2022: € 103,757 First fiscal year in the series	€ 106,140 Retained profit 2023: € 106,140 ▲ 2% vs 2022 (€ 103,757) Favourable step	€ 64,246 Retained profit 2024: € 64,246 ▼ 39% vs 2023 (€ 106,140) Unfavourable step	€ 141,328 Retained profit 2025: € 141,328 ▲ 120% vs 2024 (€ 64,246) Favourable step	▲ 120%
Bank debt	€ 177,017 Bank debt 2022: € 177,017 First fiscal year in the series	€ 218,304 Bank debt 2023: € 218,304 ▲ 23% vs 2022 (€ 177,017) Unfavourable step	€ 135,453 Bank debt 2024: € 135,453 ▼ 38% vs 2023 (€ 218,304) Favourable step	€ 68,319 Bank debt 2025: € 68,319 ▼ 50% vs 2024 (€ 135,453) Favourable step	▼ 50%
Balance sheet total	€ 545,667 Balance sheet total 2022: € 545,667 First fiscal year in the series	€ 612,782 Balance sheet total 2023: € 612,782 ▲ 12% vs 2022 (€ 545,667) Unchanged	€ 290,468 Balance sheet total 2024: € 290,468 ▼ 53% vs 2023 (€ 612,782) Unchanged	€ 428,570 Balance sheet total 2025: € 428,570 ▲ 48% vs 2024 (€ 290,468) Unchanged	▲ 48%
Employees (FTE)	11.8 Employees (FTE) 2022: 11.8 First fiscal year in the series	13.9 Employees (FTE) 2023: 13.9 ▲ 2.1 vs 2022 (11.8) Unchanged	10.7 Employees (FTE) 2024: 10.7 ▼ 3.2 vs 2023 (13.9) Unchanged	9.7 Employees (FTE) 2025: 9.7 ▼ 1 vs 2024 (10.7) Unchanged	▼ 1

Key figures of M & S 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 31 July 2027.

What happened to M & S INVEST?

What happened at M & S INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 6, 2026 New annual accounts for financial year 2025: profit of € 77,082. Source: NBB ↗
2024 Kerel BV became a director. NBB
2024 LUMA Comm.V became a director. NBB
Nov 25, 1994 New establishment in Bornem. KBO
Nov 7, 1994 Start of the company according to the CBE. KBO

In short

From € 38,783 profit in 2022 to € 77,082 profit in 2025.

Paid € 19,480 in corporate taxes since 2022.

Best year ever: 2025, with € 77,082 profit.

On average € 63,400 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

BD LOG 100%

The stake of BD LOG comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

M & S INVEST

Behind M & S INVEST are Kerel BV and LUMA Comm.V. The shares are held by BD LOG (100%).

Directors

According to the 2025 annual accounts

Kerel BV

Director · represented by Kristof Gouvaerts

Also active at: DYMAR M.S., TAXI VERBOVEN VRACHT, IMMO VERBOVEN, BELGIAN DISTRIBUTION GROUP, BD MEDIA, BD DIGITAL, BD LOG, BD Real Estate +3 more

since 2024

LUMA Comm.V

Director · represented by Rafaël Lambrix

Also active at: Flyerco I, DYMAR M.S., TAXI VERBOVEN VRACHT, IMMO VERBOVEN, De Grensverspreider, PAPERBOY, FlyerCo II, FlyerCo IV +9 more

since 2024

Shareholders

BD LOG

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Klein-Mechelen(BOR) 18a

2880 Bornem

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

DYMAR M.S. same network

€ 2 million gross margin · 2025

BD Real Estate same network

€ 285,416 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0453.772.631

VAT number

BE 0453.772.631

Registered office

Klein-Mechelen(BOR) 18a, 2880 Bornem

Names & denominations

M & S INVEST

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

7 November 1994

Peppol

Not registered

Activities · NACE

Cafés en bars

Cafés

Goederenvervoer over de weg

View on CBE Public ↗ Annual accounts (NBB) ↗

M & S INVEST

Warning lights

Financials

What happened to M & S INVEST?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions