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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 37 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
INVEST & TRADE from Lummen, company number BE0455216347, closed financial year 2025 with a result of € -1,006 after tax. For that financial year INVEST & TRADE recorded a gross margin of € 22,847 and equity of € 32,104. Compared with financial year 2024, the result moved from € -482 to € -1,006. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 12, 2026.
€ 32,104
▼ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -1,006
▼ 109 % more loss than in 2024
Profit after tax over the fiscal year.
€ 915
▼ 20% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 13,504.
Debts at end 2025
€ 184,937
▼ 7% vs 2024
€ 15,127 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 20,697 | € 24,295 | € 23,191 | € 22,847 | ▼ 1% |
| Profit after taxes | € -2,529 | € 1,329 | € -482 | € -1,006 | ▼ € 524 |
| Equity | € 32,263 | € 33,592 | € 33,110 | € 32,104 | ▼ 3% |
| Total debts | € 273,868 | € 258,158 | € 243,751 | € 216,854 | ▼ 11% |
| Cash | € 100 | € 957 | € 1,146 | € 915 | ▼ 20% |
| Land & buildings | € 279,776 | € 263,793 | € 247,812 | € 231,830 | ▼ 6% |
| Retained profit | € 13,663 | € 14,992 | € 14,510 | € 13,504 | ▼ 7% |
| Bank debt | € 228,166 | € 214,106 | € 199,699 | € 184,937 | ▼ 7% |
| Balance sheet total | € 306,131 | € 291,750 | € 276,861 | € 248,958 | ▼ 10% |
Key figures of INVEST & TRADE, 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 & TRADE?
What happened at INVEST & TRADE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 1,006. Source: NBB ↗
- New establishment in Lummen. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,529 loss in 2022 to € 1,006 loss in 2025.
Best year ever: 2023, with € 1,329 profit.
Establishments
Establishment units
Physical locations of this company
Genenbosstraat 72
3560 Lummen
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
- 0455.216.347
- VAT number
- BE 0455.216.347
- Registered office
- Genenbosstraat 72, 3560 Lummen
- Names & denominations
- INVEST & TRADE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 May 1995
- Peppol
- Active · Active since 18 Nov 2025