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 1 of the last 2 fiscal years.
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Two loss years in a row NBB
Negative result in 2023 and 2024.
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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 2024
INVEST-CONSEIL from Waterloo, company number BE0895844092, closed financial year 2024 with a result of € -53,691 after tax. For that financial year INVEST-CONSEIL recorded a gross margin of € 26,274 and equity of € -6,549. Compared with financial year 2023, the result moved from € -5,994 to € -53,691. 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 23, 2025.
€ -6,549
▼ € 53,691 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -53,691
▼ 796 % more loss than in 2023
Profit after tax over the fiscal year.
€ 14,252
▼ 54% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -7,549.
People and assets in 2024
€ 45,558
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 9,983
▲ 42% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 73,810
▼ 14% vs 2023
€ 19,047 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 9,924
▲ 205% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 18,325
▲ 42% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|
| Gross margin | € 29,741 | € 26,274 | ▼ 12% |
| Profit after taxes | € -5,994 | € -53,691 | ▼ € 47,697 |
| Equity | € 47,142 | € -6,549 | ▼ € 53,691 |
| Total debts | € 101,692 | € 102,058 | |
| Cash | € 31,072 | € 14,252 | ▼ 54% |
| Retained profit | € 46,142 | € -7,549 | ▼ € 53,691 |
| Bank debt | € 85,579 | € 73,810 | ▼ 14% |
| Balance sheet total | € 148,834 | € 95,510 | ▼ 36% |
Key figures of INVEST-CONSEIL, fiscal years 2023 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to INVEST-CONSEIL?
What happened at INVEST-CONSEIL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 53,691. Source: NBB ↗
- New establishment in Nivelles. KBO
- Start of the company according to the CBE. KBO
In short
From € 5,994 loss in 2023 to € 53,691 loss in 2024.
Paid € 3,991 in corporate taxes since 2023.
A new publication or filing at INVEST-CONSEIL? 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 INVEST-CONSEIL are Xavier Stubbe, Philippe Kestermans and Sylvie Von Der Crone.
Directors
According to the 2024 annual accounts
Xavier Stubbe
Manager
Philippe Kestermans
Associate
Sylvie Von Der Crone
Associate
Establishments
Establishment units
Physical locations of this company
Chaussée de Bruxelles 325C box 22
1410 Waterloo
Les Heures-Claires 2 box C
1400 Nivelles
Active since 1 January 2008
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.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
INFOMANIAK-AS, CH
DNS
OVH DNS
Website info
Features
Security
Network
Details
- Company number
- 0895.844.092
- VAT number
- BE 0895.844.092
- Registered office
- Chaussée de Bruxelles 325C bus 22, 1410 Waterloo
- Names & denominations
- INVEST-CONSEIL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 December 2007
- Peppol
- Not registered
- Contact
- invest-conseil.be [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars