Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
FM-A INVEST from Lubbeek, company number BE0460902725, closed financial year 2025 with a result of € -42,447 after tax. For that financial year FM-A INVEST recorded a gross margin of € 981,419 and equity of € 4.5 million. Compared with financial year 2024, the result moved from € -74,103 to € -42,447. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 19, 2026.
€ 4.5 million
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -42,447
▲ 43 % less loss than in 2024
Profit after tax over the fiscal year.
€ 0
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -14,761.
Debts at end 2025
€ 7 million
Loans from banks and other lenders, long and short.
€ 36,206
▲ 24% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 19,442
▲ € 18,854 vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Revenue | - | € 927,207 | - | |
| Gross margin | € 1,054,755 | € 949,250 | € 981,419 | ▲ 3% |
| Profit after taxes | € 89,404 | € -74,103 | € -42,447 | ▲ € 31,656 |
| Equity | € 4,604,725 | € 4,530,622 | € 4,488,175 | ▼ 1% |
| Total debts | € 7,060,736 | € 7,046,829 | € 7,313,525 | ▲ 4% |
| Cash | € 75,212 | € 0 | € 0 | |
| Land & buildings | € 11,541,000 | € 11,015,069 | € 10,443,172 | ▼ 5% |
| Retained profit | € -314,807 | € -180,612 | € -14,761 | ▲ € 165,851 |
| Bank debt | € 7,009,022 | € 7,009,022 | € 7,009,022 | |
| Balance sheet total | € 11,665,461 | € 11,577,451 | € 11,801,701 | ▲ 2% |
Key figures of FM-A INVEST, fiscal years 2023 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 FM-A INVEST?
What happened at FM-A INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- VF Capital NV stepped down as director. NBB
- Rio Management BV stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 42,447. Source: NBB ↗
- Monument Immo Management SA stepped down as director. NBB
- VF Capital NV became a director. NBB
- PH Advisory SRL stepped down as director. NBB
- Rio Management BV became a director. NBB
- Monument Immo Management SA became a director. NBB
In short
From € 89,404 profit in 2023 to € 42,447 loss in 2025.
Paid € 110,560 in corporate taxes since 2023.
Best year ever: 2023, with € 89,404 profit.
Management
The stake of MONUMENT REAL ESTATE FUND comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FM-A INVESTThe shares are held by Monument Immo Management S.A (100%) and MONUMENT REAL ESTATE FUND (94.3%).
Directors
According to the 2025 annual accounts
Director · represented by Stéphanie Wilmotte
Owns 94.3% via MONUMENT REAL ESTATE FUND
Also active at: LOZANA INVEST, CAROLEASE 12, IMMO HAECHT 1442, IKARIA RONSE, Tetris Offices. The Loop building one, IKARIA ZOTTEGEM, Power 2 Green, MONUMENT ZAVENTEM BUILDING +8 more
since 2025 · until 2026
Director · represented by Bert Vandeurzen
Also active at: Smile Invest, Smile Invest Management Company, MEIDAO, miVXBuilding, Cubigo International
since 2026 · until 2032
Director · represented by Pieter Herremans
Also active at: LOZANA INVEST, CAROLEASE 12, IMMO HAECHT 1442, Tetris Offices. The Loop building one, Power 2 Green, MONUMENT ZAVENTEM BUILDING, MEUSE OFFICE 1, ARIANE BUILDING +5 more
since 2025 · until 2026
Director · represented by Maarten Van Breusegem
Also active at: LOZANA INVEST, Monument Immo Management, WATERSIDE, CAROLEASE 12, IMMO HAECHT 1442, IKARIA RONSE, Tetris Offices. The Loop building one, IKARIA ZOTTEGEM +21 more
since 2023 · until 2025
Director · represented by Anthony Piette
Also active at: RIANT SEJOUR, LE SANGLIER DES ARDENNES, Immo Sanglier des Ardennes, LA RESERVE INVEST, LEDAP, ARE³, STOETEL, ARE³ Development +11 more
since 2026 · until 2032
Shareholders
MONUMENT REAL ESTATE FUND · holding of Monument Immo Management SA
94.3%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Diestsesteenweg(LIN) 31
3210 Lubbeek
Koning Albert II-laan 19
1210 Sint-Joost-ten-Node
Active since 30 September 1997
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 8 companies are registered at this address.
All companies at this address →DR. IR. U. VANDEURZEN MANAGEMENT FIRM
€ 359,917 revenue · 2025
VF Capital same network
VF Wineries
€ 432,716 gross margin · 2025
Eenheid VF
miVXBuilding same network
€ -29,346 gross margin · 2025
+3 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
- 0460.902.725
- VAT number
- BE 0460.902.725
- Registered office
- Diestsesteenweg(LIN) 31, 3210 Lubbeek
- Names & denominations
- FM-A INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 20 June 1997
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
Activiteiten van holdings
Handel in eigen onroerend goed
Holdings