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 2 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
J & A INVEST from Lokeren, company number BE0827636464, closed financial year 2025 with a result of € -47,357 after tax. For that financial year J & A INVEST recorded a gross margin of € 74,188 and equity of € 718,901. Compared with financial year 2024, the result moved from € 1,932 to € -47,357. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on January 30, 2026.
€ 718,901
▼ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -47,357
▼ still € 1,932 profit in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -211,099.
Debts at end 2025
€ 765,227
▼ 14% vs 2024
€ 22,142 is repaid this year. At this pace the long-term loan is gone in ≈ 35 years.
€ 6,515
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 | € 81,096 | € 64,082 | € 65,366 | € 74,188 | ▲ 13% |
| Profit after taxes | € 16,847 | € 1,248 | € 1,932 | € -47,357 | ▼ € 49,289 |
| Equity | € 763,077 | € 764,326 | € 766,258 | € 718,901 | ▼ 6% |
| Total debts | € 1,242,670 | € 1,062,379 | € 910,695 | € 771,742 | ▼ 15% |
| Cash | € 309,896 | € 130,036 | € 22,042 | - | |
| Land & buildings | € 1,627,754 | € 1,580,287 | € 1,537,070 | € 1,489,387 | ▼ 3% |
| Retained profit | € -166,923 | € -165,674 | € -163,742 | € -211,099 | ▼ € 47,357 |
| Bank debt | € 1,179,093 | € 1,046,040 | € 894,936 | € 765,227 | ▼ 14% |
| Balance sheet total | € 2,005,748 | € 1,826,704 | € 1,676,953 | € 1,490,643 | ▼ 11% |
Key figures of J & A 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 30 January 2027.
What happened to J & A INVEST?
What happened at J & A 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 € 47,357 (▼ € 49,289 vs 2024). Source: NBB ↗
- New establishment in Lokeren. KBO
- Start of the company according to the CBE. KBO
In short
From € 16,847 profit in 2022 to € 47,357 loss in 2025.
Best year ever: 2022, with € 16,847 profit.
A new publication or filing at J & A INVEST? We notify you, reason included.
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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 J & A INVEST is Isabel Van Buynder. Isabel Van Buynder is also behind SWINNY.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Hemelseschoot 15 box A
9160 Lokeren
Sijpstraat 1 box A
9160 Lokeren
Active since 8 July 2010
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0827.636.464
- VAT number
- BE 0827.636.464
- Registered office
- Hemelseschoot 15 bus A, 9160 Lokeren
- Names & denominations
- J & A INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 July 2010
- Peppol
- Not registered