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.
-
Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
B & T INVEST from Kontich, company number BE0811301565, closed financial year 2025 with a result of € -55,717 after tax. For that financial year B & T INVEST recorded a gross margin of € 27,317 and equity of € 31,116. Compared with financial year 2024, the result moved from € -73,169 to € -55,717. The company made a loss. The buffer shrank hard: equity is 64 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 3, 2026.
€ 31,116
▼ 64% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -55,717
▲ 24 % less loss than in 2024
Profit after tax over the fiscal year.
€ 15,888
▼ 50% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -172,434.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
Debts at end 2025
€ 2.4 million
▲ 31% vs 2024
Loans from banks and other lenders, long and short.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 13,483 | € 24,873 | € 27,948 | € 27,317 | ▼ 2% |
| Profit after taxes | € -1,043 | € -35,394 | € -73,169 | € -55,717 | ▲ € 17,451 |
| Equity | € 195,396 | € 160,002 | € 86,834 | € 31,116 | ▼ 64% |
| Total debts | € 1,378,182 | € 2,397,210 | € 2,592,237 | € 2,661,374 | ▲ 3% |
| Cash | € 1,205 | € 60,648 | € 31,988 | € 15,888 | ▼ 50% |
| Retained profit | € -8,154 | € -43,548 | € -116,716 | € -172,434 | ▼ € 55,717 |
| Bank debt | € 1,217,000 | € 1,837,000 | € 1,837,000 | € 2,398,070 | ▲ 31% |
| Balance sheet total | € 1,573,578 | € 2,557,212 | € 2,679,071 | € 2,692,490 | ▲ 1% |
Key figures of B & T 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 B & T INVEST?
What happened at B & T 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 € 55,717. Source: NBB ↗
- Stacy Van Ham stepped down as director. NBB
- Sam Daems stepped down as director. NBB
- Niels Ongena stepped down as director. NBB
- Pivali BV stepped down as director. NBB
- Phicon BV stepped down as director. NBB
- Stacy Van Ham became a director. NBB
- Sam Daems became a director. NBB
In short
From € 1,043 loss in 2022 to € 55,717 loss in 2025.
Paid € 0 in corporate taxes since 2022.
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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
The stake of TAXANDRIA, PHICON comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
B & T INVESTThe shares are held by TAXANDRIA (100%) and PHICON.
Directors
According to the 2025 annual accounts
Director · represented by Van Linden Pieter
since 2023 · until 2025
Managing director · represented by Penen Philip
since 2023 · until 2025
Stacy Van Ham
Director
Also active at: TAXANDRIA, TAXANIMMO, Hamdam, Bru-Invest, CELAS Invest, Taxa Bouw
since 2024 · until 2026
Sam Daems
Managing director
Also active at: Vlaams Netwerk van Ondernemingen, Voka - Kamer van koophandel Mechelen-Kempen, TAXANDRIA, B & R, SEDS, TAXANIMMO, B-AVENUE, CELAS Invest +1 more
since 2024 · until 2026
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Herman De Nayerstraat 3
2550 Kontich
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
- 0811.301.565
- VAT number
- BE 0811.301.565
- Registered office
- Herman De Nayerstraat 3, 2550 Kontich
- Names & denominations
- B & T INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 April 2009
- Peppol
- Active · Active since 27 Mar 2026