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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Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
M-INVEST from Oostende, company number BE0828695051, closed financial year 2025 with a result of € -9,433 after tax. For that financial year M-INVEST recorded a gross margin of € 28,740 and equity of € -21,118. Compared with financial year 2024, the result moved from € 10,144 to € -9,433. 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 31, 2026.
€ -21,118
▼ € 9,433 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -9,433
▼ still € 10,144 profit in 2024
Profit after tax over the fiscal year.
€ 762
▼ 96% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -39,718.
Debts at end 2025
€ 332,922
▼ 7% vs 2024
€ 23,932 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 105,278 | € 16,577 | € 51,406 | € 28,740 | ▼ 44% |
| Profit after taxes | € -43,455 | € -40,040 | € 10,144 | € -9,433 | ▼ € 19,577 |
| Equity | € 18,211 | € -21,829 | € -11,685 | € -21,118 | ▼ € 9,433 |
| Total debts | € 427,901 | € 515,411 | € 472,202 | € 426,104 | ▼ 10% |
| Cash | € 14,233 | € 544 | € 21,568 | € 762 | ▼ 96% |
| Land & buildings | € 389,400 | € 370,080 | € 355,144 | € 335,337 | ▼ 6% |
| Retained profit | € -389 | € -40,429 | € -30,285 | € -39,718 | ▼ € 9,433 |
| Bank debt | € 401,984 | € 379,410 | € 356,392 | € 332,922 | ▼ 7% |
| Balance sheet total | € 446,112 | € 493,583 | € 460,517 | € 404,986 | ▼ 12% |
Key figures of M-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 M-INVEST?
What happened at M-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 € 9,433 (▼ € 19,577 vs 2024). Source: NBB ↗
- Cindy Pierloot became a director. NBB
- Pistache & Vanille BV became a director. NBB
- New establishment in Oostende. KBO
- Start of the company according to the CBE. KBO
In short
From € 43,455 loss in 2022 to € 9,433 loss in 2025.
Best year ever: 2024, with € 10,144 profit.
Management
Behind M-INVEST are Cindy Pierloot and Pistache & Vanille BV. Cindy Pierloot is also behind VASTGOEDTEAM.
Directors
According to the 2025 annual accounts
since 2022
Director · represented by Madelein Luc
since 2022
Establishments
Establishment units
Physical locations of this company
Alfons Pieterslaan 1A
8400 Oostende
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0828.695.051
- VAT number
- BE 0828.695.051
- Registered office
- Alfons Pieterslaan 1A, 8400 Oostende
- Names & denominations
- M-INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 August 2010
- Peppol
- Active · Active since 19 Dec 2025
- Contact
- [email protected] +32495510740
- Activities · NACE
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden
Activiteiten van eetgelegenheden met volledige bediening
Organisatie van congressen en beurzen
Catering van evenementen
Handelsbemiddeling in de niet-gespecialiseerde groothandel
Cafés en bars
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