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 12 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
COOL-INVEST from Waterloo, company number BE0460819284, closed financial year 2025 with a result of € 352,182 after tax. For that financial year COOL-INVEST recorded a gross margin of € 779,716 and equity of € 235,048. Compared with financial year 2024, the result moved from € 374,613 to € 352,182. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 235,048
▲ 29% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 352,182
▼ 6% vs 2024
Profit after tax over the fiscal year.
€ 138,730
▼ 30% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 300,000 paid out
85 % of the profit went to the shareholders, mostly to GESTIMO (100 % of the shares). That is where the money ends up.
Debts at end 2025
€ 4.2 million
▼ 10% vs 2024
€ 456,121 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 19
Supplier invoices still open on the last day of the fiscal year.
€ 18,293
▼ 29% 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 | € 683,121 | € 777,035 | € 841,675 | € 779,716 | ▼ 7% |
| Profit after taxes | € 156,295 | € 358,914 | € 374,613 | € 352,182 | ▼ 6% |
| Equity | € 8,254 | € 8,254 | € 182,866 | € 235,048 | ▲ 29% |
| Total debts | € 5,516,091 | € 5,112,531 | € 5,039,967 | € 4,906,507 | ▼ 3% |
| Cash | € 437,971 | € 313,127 | € 197,332 | € 138,730 | ▼ 30% |
| Land & buildings | € 4,940,873 | € 4,805,100 | € 5,012,307 | € 4,996,011 | |
| Retained profit | € 2,057 | € 2,057 | € 176,669 | € 228,851 | ▲ 30% |
| Dividend | € 156,295 | € 358,914 | € 200,000 | € 300,000 | ▲ 50% |
| Bank debt | € 5,233,440 | € 4,536,479 | € 4,609,380 | € 4,155,330 | ▼ 10% |
| Balance sheet total | € 5,524,345 | € 5,120,785 | € 5,222,833 | € 5,141,555 | ▼ 2% |
Key figures of COOL-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 COOL-INVEST?
What happened at COOL-INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 352,182 (▼ 6% vs 2024). Source: NBB ↗
- Constantin HUART became a director. NBB
- Capucine HUART became a director. NBB
- Karin VANHAMME became a director. NBB
- Delphine HUART became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 156,295 profit in 2022 to € 352,182 profit in 2025.
Paid € 421,284 in corporate taxes since 2022.
Best year ever: 2024, with € 374,613 profit.
Paid out € 1 million in dividends to the owners in total.
Management
The stake of GESTIMO comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
COOL-INVESTBehind COOL-INVEST are Constantin HUART, Capucine HUART, Karin VANHAMME and Delphine HUART. The shares are held by GESTIMO (100%).
Directors
According to the 2025 annual accounts
Constantin HUART
Director
Holds a stake via GESTIMO
Also active at: W.A. PNEU VANHAMME, GESTIMO, BLERIOT WAREHOUSE, CH FLOWERS, SPC IMMO, DESIGN HOME DECOR
since 2023
Capucine HUART
Director
Holds a stake via GESTIMO
Also active at: PNEU EXPRESS, W.A. PNEU VANHAMME, GESTIMO, BLERIOT WAREHOUSE, MaCa, CH FLOWERS, GESTI-TYRE, SPC IMMO +1 more
since 2023
Karin VANHAMME
Director
Holds a stake via GESTIMO
Also active at: GESTIMO, SPC IMMO, DESIGN HOME DECOR
since 2023
Delphine HUART
Director
Holds a stake via GESTIMO
Also active at: PNEU EXPRESS, W.A. PNEU VANHAMME, GESTIMO, BLERIOT WAREHOUSE, DSDH MANAGEMENT, CH FLOWERS, GESTI-TYRE, SPC IMMO +1 more
since 2023
Shareholders
GESTIMO · holding of Delphine HUART
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Chaussée de Bruxelles 724
1410 Waterloo
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →W.A. PNEU VANHAMME same network
€ 1.6 million gross margin · 2025
GESTIMO same network
€ 1.6 million gross margin · 2025
BLERIOT WAREHOUSE same network
€ 303,533 gross margin · 2025
CH FLOWERS same network
€ 295,491 gross margin · 2025
SPC IMMO same network
€ 110,967 gross margin · 2025
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0460.819.284
- VAT number
- BE 0460.819.284
- Registered office
- Chaussée de Bruxelles 724, 1410 Waterloo
- Names & denominations
- COOL-INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 June 1997
- Peppol
- Active · Active since 12 Nov 2025