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 8 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINE INVEST from Sint-Niklaas, company number BE0457355889, closed financial year 2025 with a result of € -3,492 after tax. For that financial year FINE INVEST recorded a gross margin of € 106,074 and equity of € 512,676. Compared with financial year 2024, the result moved from € 441,645 to € -3,492. 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 August 31, 2026.
€ 512,676
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,492
▼ still € 441,645 profit in 2024
Profit after tax over the fiscal year.
€ 18,080
▼ 74% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 494,084.
People and assets in 2025
€ 401
▼ 65% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 791,534
▼ 6% vs 2024
€ 55,363 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.
€ 174,831
▼ 13% 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 | € 413,991 | € 570,021 | € 1,193,893 | € 106,074 | ▼ 91% |
| Profit after taxes | € 7,952 | € -34,280 | € 441,645 | € -3,492 | ▼ € 445,137 |
| Equity | € 108,803 | € 74,523 | € 516,168 | € 512,676 | ▼ 1% |
| Total debts | € 595,851 | € 2,003,719 | € 1,345,544 | € 1,462,486 | ▲ 9% |
| Cash | € 235,106 | € 88,994 | € 70,377 | € 18,080 | ▼ 74% |
| Land & buildings | € 520 | € 1,514,697 | € 1,464,709 | € 1,655,633 | ▲ 13% |
| Retained profit | € 90,211 | € 55,931 | € 497,576 | € 494,084 | ▼ 1% |
| Bank debt | € 204,938 | € 1,524,049 | € 844,955 | € 791,534 | ▼ 6% |
| Balance sheet total | € 704,654 | € 2,078,242 | € 1,861,712 | € 1,975,162 | ▲ 6% |
| Employees (FTE) | 6.7 | 7.6 | 7.1 | - |
Key figures of FINE 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 FINE INVEST?
What happened at FINE 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 € 3,492 (▼ € 445,137 vs 2024). filed late Source: NBB ↗
- New establishment in Sint-Niklaas. KBO
- Start of the company according to the CBE. KBO
In short
From € 7,952 profit in 2022 to € 3,492 loss in 2025.
Paid € 172,176 in corporate taxes since 2022.
Best year ever: 2024, with € 441,645 profit.
On average € 168,200 of value added per employee in 2024.
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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 FINE INVEST are Ariane Saverys and Olivier Castelain. The same people are also behind SAFETEEN. Ariane Saverys is also behind Koninklijke Belgische Redersvereniging-Union Royale des ARmateurs Belges, SAVERBEL, SAVEREX, DE VELDEN and DANERI.
Directors
According to the 2025 annual accounts
Ariane Saverys
Director
Also active at: Koninklijke Belgische Redersvereniging-Union Royale des ARmateurs Belges, SAVERBEL, SAVEREX, DE VELDEN, DANERI, HERLEGEM, WARINSART, SOMBEKEBROEK +3 more
Establishments
Establishment units
Physical locations of this company
Bookmolenstraat 30
9111 Sint-Niklaas
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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
SQUARESPACE - Squarespace, Inc., US
Website info
Features
Security
Network
Details
- Company number
- 0457.355.889
- VAT number
- BE 0457.355.889
- Registered office
- Bookmolenstraat 30, 9111 Sint-Niklaas
- Names & denominations
- FINE INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 February 1996
- Peppol
- Active · Active since 5 Jun 2025
- Contact
- finegardens.be [email protected]
- Activities · NACE
Overige zakelijke dienstverlening, neg