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 60 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FCL Invest from Gent, company number BE0700863206, closed financial year 2025 with a result of € 19,728 after tax. For that financial year FCL Invest recorded a gross margin of € 100,246 and equity of € 558,217. Compared with financial year 2024, the result moved from € 16,521 to € 19,728. Profitable, and profit is growing. 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 January 9, 2026.
€ 558,217
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 19,728
▲ 19% vs 2024
Profit after tax over the fiscal year.
€ 322,056
▲ € 284,259 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 439,717.
People and assets in 2025
€ 46,034
▼ 30% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.5 million
▼ 52% vs 2024
€ 10,553 is repaid this year. At this pace the long-term loan is gone in ≈ 125 years.
€ 61,973
▲ 39% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 27,165
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 93,513 | € 353,631 | € 105,640 | € 100,246 | ▼ 5% |
| Profit after taxes | € 23,454 | € 162,545 | € 16,521 | € 19,728 | ▲ 19% |
| Equity | € 359,423 | € 521,968 | € 538,489 | € 558,217 | ▲ 4% |
| Total debts | € 4,986,397 | € 4,543,582 | € 5,401,719 | € 4,104,773 | ▼ 24% |
| Cash | € 331,353 | € 334,024 | € 37,797 | € 322,056 | ▲ € 284,259 |
| Retained profit | € 240,923 | € 403,468 | € 419,989 | € 439,717 | ▲ 5% |
| Bank debt | € 4,442,072 | € 4,061,354 | € 5,297,165 | € 2,545,843 | ▼ 52% |
| Balance sheet total | € 5,345,820 | € 5,065,550 | € 5,940,207 | € 4,662,990 | ▼ 22% |
Key figures of FCL 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 30 January 2027.
What happened to FCL Invest?
What happened at FCL 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 € 19,728 (▲ 19% vs 2024). Source: NBB ↗
- Fréderic Van Laethem became a director. NBB
- New establishment in Gent. KBO
- Start of the company according to the CBE. KBO
- Jean Van Laethem became a director. NBB
In short
From € 23,454 profit in 2022 to € 19,728 profit in 2025.
Paid € 113,988 in corporate taxes since 2022.
Best year ever: 2023, with € 162,545 profit.
Management
Behind FCL Invest are Jean Van Laethem and Fréderic Van Laethem. Jean Van Laethem is also behind Laser Vision Clinics and DR. J. VAN LAETHEM. Fréderic Van Laethem is also behind HEMAR.
Directors
According to the 2025 annual accounts
since 2018
since 2023
Establishments
Establishment units
Physical locations of this company
Bagattenstraat 77
9000 Gent
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0700.863.206
- VAT number
- BE 0700.863.206
- Registered office
- Bagattenstraat 77, 9000 Gent
- Names & denominations
- FCL Invest
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 August 2018
- Peppol
- Active · Active since 24 Dec 2025
- Activities · NACE
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