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 48 % of short-term debt in 2025; threshold 65 %.
-
Figures corrected NBB
Corrected annual account filed for 2025.
Financials
Financial year 2025
A&L Invest from Antwerpen, company number BE0667927647, closed financial year 2025 with a result of € 122,863 after tax. For that financial year A&L Invest recorded a gross margin of € 284,695 and equity of € 3.1 million. Compared with financial year 2024, the result moved from € 201,608 to € 122,863. The company is profitable. 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 September 30, 2026.
€ 3.1 million
▼ 22% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 122,863
▼ 39% vs 2024
Profit after tax over the fiscal year.
€ 34,048
▼ 73% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 396,275 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
6.3
▼ 7.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 376,956
▼ 15% vs 2024
€ 59,800 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.
€ 42,214
▲ € 41,191 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3,333
Loans from banks and other lenders, long and short.
€ 77,278
▲ 75% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 46,488
▼ 23% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 338,092 | € 406,515 | € 259,725 | € 284,695 | ▲ 10% |
| Profit after taxes | € 46,742 | € 269,810 | € 201,608 | € 122,863 | ▼ 39% |
| Equity | € 4,482,174 | € 4,751,984 | € 3,953,592 | € 3,076,455 | ▼ 22% |
| Total debts | € 249,000 | € 241,336 | € 241,346 | € 1,411,049 | ▲ € 1.2 million |
| Cash | € 129,690 | € 248,541 | € 126,851 | € 34,048 | ▼ 73% |
| Retained profit | € 1,451,924 | € 1,721,734 | € 1,610,539 | € 1,337,127 | ▼ 17% |
| Dividend | € 0 | € 0 | € 0 | € 396,275 | |
| Bank debt | € 2,500 | € 2,500 | € 3,333 | € 3,333 | |
| Balance sheet total | € 4,731,174 | € 4,993,320 | € 4,244,938 | € 4,487,504 | ▲ 6% |
| Employees (FTE) | 18.3 | 13.7 | 13.7 | 6.3 | ▼ 7.4 |
Key figures of A&L 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 A&L Invest?
What happened at A&L Invest in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Corrected annual accounts filed for financial year 2025. filed late Source: NBB ↗
- New establishment in Antwerpen. KBO
- Start of the company according to the CBE. KBO
In short
From € 46,742 profit in 2022 to € 122,863 profit in 2025.
Paid € 7,955 in corporate taxes since 2022.
Best year ever: 2023, with € 269,810 profit.
On average € 45,200 of value added per employee in 2025.
A new publication or filing at A&L Invest? We notify you, reason included.
Follow A&L InvestDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 A&L Invest is Camille Vermue. It owns 99% of Black Fish Agency, 99% of D-Lux Concept, 99% of CV Distribution and 80% of No Stress itself.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Michiganstraat 3 box E
2030 Antwerpen
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 →BLACK FISH AGENCY same network
€ -39,999 gross margin · 2025
NO STRESS same network
€ 46,372 gross margin · 2025
CV DISTRIBUTION same network
€ 13,664 gross margin · 2025
GROEP A & L INVEST
D-LUX CONCEPT same network
€ 330,451 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
- 0667.927.647
- VAT number
- BE 0667.927.647
- Registered office
- Michiganstraat 3 bus E, 2030 Antwerpen
- Names & denominations
- A&L Invest
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 21 December 2016
- Peppol
- Active · Active since 16 Mar 2026
- Activities · NACE
Activiteiten van holdings
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Holdings
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering