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 9 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
S&J Invest from Herent, company number BE0825287084, closed financial year 2025 with a result of € 8,057 after tax. For that financial year S&J Invest recorded a gross margin of € 129,053 and equity of € 424,634. Compared with financial year 2024, the result moved from € 2,706 to € 8,057. 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 July 16, 2026.
€ 424,634
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 8,057
▲ 198% vs 2024
Profit after tax over the fiscal year.
€ 16,088
▲ € 12,126 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 14,765 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 12,587
▲ € 11,419 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 375,095
▼ 16% vs 2024
€ 70,839 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 7,834
▲ € 6,231 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 941
▲ 215% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 127,831 | € 126,041 | € 120,510 | € 129,053 | ▲ 7% |
| Profit after taxes | € 6,753 | € 6,261 | € 2,706 | € 8,057 | ▲ 198% |
| Equity | € 430,174 | € 428,636 | € 431,342 | € 424,634 | ▼ 2% |
| Total debts | € 1,382,916 | € 1,306,254 | € 1,225,593 | € 1,163,002 | ▼ 5% |
| Cash | € 225,222 | € 16,848 | € 3,962 | € 16,088 | ▲ € 12,126 |
| Land & buildings | € 1,498,708 | € 1,415,359 | € 1,332,009 | € 1,253,285 | ▼ 6% |
| Retained profit | € 110,174 | € 108,636 | € 111,342 | € 104,634 | ▼ 6% |
| Dividend | € 7,819 | € 7,799 | € 0 | € 14,765 | |
| Bank debt | € 578,375 | € 512,033 | € 444,736 | € 375,095 | ▼ 16% |
| Balance sheet total | € 1,813,090 | € 1,734,890 | € 1,656,935 | € 1,587,635 | ▼ 4% |
Key figures of S&J 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 S&J Invest?
What happened at S&J 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 € 8,057 (▲ 198% vs 2024). Source: NBB ↗
- New establishment in Herent. KBO
- Start of the company according to the CBE. KBO
In short
From € 6,753 profit in 2022 to € 8,057 profit in 2025.
Paid € 15,133 in corporate taxes since 2022.
Best year ever: 2025, with € 8,057 profit.
Paid out € 30,383 in dividends to the owners in total.
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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 S&J Invest are Suzanne Verstreken and Joris Van den Acker. Joris Van den Acker is also behind HORTA WINKSELE.
Directors
According to the 2025 annual accounts
Suzanne Verstreken
Director
Establishments
Establishment units
Physical locations of this company
Mechelsesteenweg 1117
3020 Herent
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0825.287.084
- VAT number
- BE 0825.287.084
- Registered office
- Mechelsesteenweg 1117, 3020 Herent
- Names & denominations
- S&J Invest
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 April 2010
- Peppol
- Active · Active since 12 Sept 2025
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