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 13 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FCLE INVEST from Namur, company number BE0757641165, closed financial year 2025 with a result of € 499,308 after tax. For that financial year FCLE INVEST recorded a gross margin of € 135,972 and equity of € 488,874. Compared with financial year 2024, the result moved from € 377,942 to € 499,308. Profitable, and profit is growing. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on March 31, 2026.
€ 488,874
▼ 29% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 499,308
▲ 32% vs 2024
Profit after tax over the fiscal year.
€ 73,093
▼ 76% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 700,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 2,562
▲ 173% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 315,400
▼ 26% vs 2024
€ 115,400 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 3,338
▲ 22% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 18,695
▲ 31% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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 | € 58,286 | € 122,715 | € 109,273 | € 135,972 | ▲ 24% |
| Profit after taxes | € 278,979 | € 326,323 | € 377,942 | € 499,308 | ▲ 32% |
| Equity | € 485,300 | € 811,623 | € 689,565 | € 488,874 | ▼ 29% |
| Total debts | € 891,336 | € 666,398 | € 944,576 | € 977,433 | ▲ 3% |
| Cash | € 130,519 | € 225,189 | € 307,641 | € 73,093 | ▼ 76% |
| Retained profit | € 465,300 | € 791,623 | € 669,565 | € 468,874 | ▼ 30% |
| Dividend | € 0 | € 0 | € 500,000 | € 700,000 | ▲ 40% |
| Bank debt | € 874,333 | € 644,035 | € 427,099 | € 315,400 | ▼ 26% |
| Balance sheet total | € 1,376,636 | € 1,478,022 | € 1,634,141 | € 1,466,307 | ▼ 10% |
Key figures of FCLE 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 FCLE INVEST?
What happened at FCLE 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 € 499,308 (▲ 32% vs 2024). Source: NBB ↗
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 278,979 profit in 2022 to € 499,308 profit in 2025.
Paid € 76,809 in corporate taxes since 2022.
Best year ever: 2025, with € 499,308 profit.
Paid out € 1.2 million in dividends to the owners in total.
A new publication or filing at FCLE INVEST? We notify you, reason included.
Follow FCLE 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 FCLE INVEST is Jacques FREDRIC. It owns 100% of REFRINAM itself.
Directors
According to the 2025 annual accounts
Jacques FREDRIC
Director
Establishments
Establishment units
Physical locations of this company
Rue des Hêtres(JB) 10
5100 Namur
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0757.641.165
- VAT number
- BE 0757.641.165
- Registered office
- Rue des Hêtres(JB) 10, 5100 Namur
- Names & denominations
- FCLE INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 October 2020
- Peppol
- Active · Active since 15 Dec 2025
- Activities · NACE
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
Activiteiten van holdings
Beroepsopleiding
Activiteiten van adviesbureaus op het gebied van public relations en communicatie
Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten
Handel in eigen onroerend goed
Holdings
+2