Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 14 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
AFP Invest from Gent, company number BE0777703636, closed financial year 2025 with a result of € -17,401 after tax. For that financial year AFP Invest recorded a gross margin of € 13,352 and equity of € -31,321. Compared with financial year 2024, the result moved from € 26,121 to € -17,401. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.
€ -31,321
▼ € 17,401 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -17,401
▼ still € 26,121 profit in 2024
Profit after tax over the fiscal year.
€ 49,422
▼ 38% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -34,321.
Debts at end 2025
€ 419,036
▲ 8% vs 2024
€ 173,440 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 5,864
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -13,273 | € 53,493 | € 55,924 | € 13,352 | ▼ 76% |
| Profit after taxes | € -65,693 | € 22,651 | € 26,121 | € -17,401 | ▼ € 43,522 |
| Equity | € -62,693 | € -40,042 | € -13,920 | € -31,321 | ▼ € 17,401 |
| Total debts | € 652,835 | € 469,685 | € 566,667 | € 601,899 | ▲ 6% |
| Cash | € 5,602 | € 4,330 | € 79,845 | € 49,422 | ▼ 38% |
| Land & buildings | € 331,540 | € 425,313 | € 471,963 | € 520,913 | ▲ 10% |
| Retained profit | € -65,693 | € -43,042 | € -16,920 | € -34,321 | ▼ € 17,401 |
| Bank debt | € 505,835 | € 292,497 | € 389,667 | € 419,036 | ▲ 8% |
| Balance sheet total | € 590,142 | € 429,644 | € 552,747 | € 570,579 | ▲ 3% |
Key figures of AFP 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 AFP Invest?
What happened at AFP Invest in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 17,401 (▼ € 43,522 vs 2024). Source: NBB ↗
- New establishment in Gent. KBO
- Start of the company according to the CBE. KBO
- KIBO INVEST BV became a director. NBB
- Silva BV became a director. NBB
- IMMOVF GCV became a director. NBB
In short
From € 65,693 loss in 2022 to € 17,401 loss in 2025.
Paid € 199 in corporate taxes since 2022.
Best year ever: 2024, with € 26,121 profit.
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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 AFP Invest are KIBO INVEST BV, Silva BV and IMMOVF GCV. The same people are also behind Axel Lenaerts Groep, SETL and Axel Lenaerts Makelaars Oudenaarde. KIBO INVEST BV is also behind AXEL LENAERTS MAKELAARS DESTELBERGEN. Silva BV is also behind AXEL LENAERTS MAKELAARS GENT.
Directors
According to the 2025 annual accounts
Director · represented by Pieterjan Spruyt
Also active at: AXEL LENAERTS MAKELAARS DESTELBERGEN, Axel Lenaerts Groep, SETL, Axel Lenaerts Makelaars Oudenaarde
since 2021
Director · represented by Axel Leenaerts
Also active at: AXEL LENAERTS MAKELAARS GENT, Axel Lenaerts Groep, SETL, Axel Lenaerts Makelaars Oudenaarde
since 2021
Director · represented by Frederik Vanhaevermaet
Also active at: Axel Lenaerts Groep, SETL, Axel Lenaerts Makelaars Oudenaarde
since 2021
Establishments
Establishment units
Physical locations of this company
Kortrijksesteenweg 390 box 1
9000 Gent
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0777.703.636
- VAT number
- BE 0777.703.636
- Registered office
- Kortrijksesteenweg 390 bus 1, 9000 Gent
- Names & denominations
- AFP Invest
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 November 2021
- Peppol
- Active · Active since 18 Nov 2025