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 26 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
F&I INVEST from Sombreffe, company number BE0824051325, closed financial year 2025 with a result of € 4,504 after tax. For that financial year F&I INVEST recorded a gross margin of € 160,252 and equity of € 137,528. Compared with financial year 2024, the result moved from € 2,211 to € 4,504. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2026.
€ 137,528
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 4,504
▲ 104% vs 2024
Profit after tax over the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 93,528.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
€ 127,715
▲ 45% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 5,460
▼ 9% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 103,413
▼ 29% vs 2024
Loans from banks and other lenders, long and short.
€ 193,338
▲ 66% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 37,536
▲ 73% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 201,358 | € 116,160 | € 119,403 | € 160,252 | ▲ 34% |
| Profit after taxes | € 23,323 | € -19,422 | € 2,211 | € 4,504 | ▲ 104% |
| Equity | € 150,236 | € 130,815 | € 133,024 | € 137,528 | ▲ 3% |
| Total debts | € 508,663 | € 473,551 | € 385,000 | € 439,680 | ▲ 14% |
| Cash | € 7,414 | € 50,107 | € 0 | - | |
| Land & buildings | € 183,059 | € 167,593 | € 155,993 | € 142,636 | ▼ 9% |
| Retained profit | € 110,236 | € 86,815 | € 89,024 | € 93,528 | ▲ 5% |
| Dividend | € 8,900 | € 0 | € 0 | € 0 | |
| Bank debt | € 134,892 | € 72,296 | € 146,240 | € 103,413 | ▼ 29% |
| Balance sheet total | € 658,899 | € 604,366 | € 518,024 | € 577,208 | ▲ 11% |
| Employees (FTE) | 3.3 | 3.2 | 0 | 0 |
Key figures of F&I 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 F&I INVEST?
What happened at F&I 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 € 4,504 (▲ 104% vs 2024). filed late Source: NBB ↗
- New establishment in Sombreffe. KBO
- Start of the company according to the CBE. KBO
In short
From € 23,323 profit in 2022 to € 4,504 profit in 2025.
Paid € 17,082 in corporate taxes since 2022.
Best year ever: 2022, with € 23,323 profit.
On average € 36,300 of value added per employee in 2023.
Management
Behind F&I INVEST is Irving John S VANHOYE. Irving John S VANHOYE is also behind VANHOYE.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Rue de la Basse-Sambre, Boig. 3
5140 Sombreffe
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0824.051.325
- VAT number
- BE 0824.051.325
- Registered office
- Rue de la Basse-Sambre, Boig. 3, 5140 Sombreffe
- Names & denominations
- F&I INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 March 2010
- Peppol
- Active · Active since 15 Sept 2026
- Activities · NACE
Detailhandel in ICT-apparatuur
Groothandel in elektrisch materiaal, inclusief installatiemateriaal
Detailhandel in computers, randapparatuur en software in gespecialiseerde winkels