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Complete company report
Generated 27-08-2026
Active BE 0895.844.092Private limited company

INVEST-CONSEIL

Chaussée de Bruxelles 325C ·1410 Waterloo, Belgium· 18 yrs active
Sector: Activiteiten van verzekeringsagenten en -makelaars (66220)
Conclusion Checked

INVEST-CONSEIL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 18 yrs
Locations 1
Publications 8
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2007, 18 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview2 NBB filings
Financials being processed
NBB has 2 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 23-07-2025 2025-00305184
31-12-2023 micro 22-07-2024 2024-00273469
Directors & mandates 5 directors
Historic, not recently confirmed (2)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Philippe KESTERMANS
    Managing director
    State Gazette act 13192134 (20-12-2013)
    Not recently confirmed
    last confirmed in an act from 2013
  • Xavier STUBBE
    Managing director
    State Gazette act 08083053 (06-06-2008)
    Not recently confirmed
    last confirmed in an act from 2008
Former directors (3)
  • De Bie Nicolas
    Director
    State Gazette act 25151263 (28-11-2025)
    Former
    - → 01-01-2025
  • Thierry BOURGOIS
    Managing director
    State Gazette act 13192134 (20-12-2013)
    Former
    - → 20-12-2013
  • Sylvie VON DER CRONE
    Managing director
    State Gazette act 08083053 (06-06-2008)
    Former
    - → 06-06-2008
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor 3 auditor
Statutory auditor IRE/IBR number Tenure
De Bie Nicolas
Statutory auditor
 - 30-08-2019 → 30-08-2019
Show 2 earlier auditors
Denis CHINTINNE
Statutory auditor
 - 30-08-2019 → 30-08-2019
Sylvie VON DER CRONE
Statutory auditor
succeeded by Denis CHINTINNE in 2019
 - 01-01-2016 → 30-08-2019
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
NACE primary Activiteiten van verzekeringsagenten en -makelaars(66220)
Legal form Private limited company(610)
Incorporation28-12-2007
StatusActive
Postal code1410
Establishment units 1 location
INVEST-CONSEIL
Les Heures-Claires 2, 1400 NivellesAgenten en makelaars in bankdiensten
since 20082.168.816.466
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25763L0822/00L000 Wallonia 3,106 m² 1 · 214 m² 12.0 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
28-11-2025
State Gazette act Director changes
v3.2
23-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
22-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
22-03-2023
State Gazette act Director changes
v3.2
2022
06-01-2022
State Gazette act Registered-office change
v3.2
2019
30-08-2019
State Gazette act Director changes
v3.2
2015
27-03-2015
State Gazette act Statutes amendment
v3.2
2013
20-12-2013
State Gazette act Director changes
v3.2
2009
16-03-2009
State Gazette act Registered-office change
v3.2
2008
06-06-2008
State Gazette act Director changes
v3.2
Belgian State Gazette reading coverage 0 of 8 acts read

We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 8 acts
Address history · 2
06-01-2022
v3.2
16-03-2009
v3.2
All acts · 8 updated 9 months ago
2025
28-11-2025 De Bie Nicolas resigns as director Director changes
  • De Bie Nicolas, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "De Bie Nicolas",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-01-01",
      "evidence_quote": "L\u0027Assembl\u00E9e approuve la d\u00E9mission de Monsieur De Bie Nicolas domicili\u00E9 Rue de l\u0027Escav\u00E9e 2 \u00E0 1410 Waterloo et ce avec effet r\u00E9troactif au 01.01.2025."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0895.844.092",
    "name_full": "INVEST-CONSEIL",
    "legal_form": "SRL"
  }
}
2023
22-03-2023 Change in the board of directors Director changes
Summary: v3.2
Technical details 
{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0895.844.092",
    "name_full": "INVEST-CONSEIL",
    "legal_form": "SCS"
  }
}
2022
06-01-2022 Registered office moved within Waterloo Registered-office change
  • Rue Culée 81, 1410 Waterloo → Chaussée de Bruxelles 325, 1410 Waterloo
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Waterloo",
        "region": null,
        "street": "Chauss\u00E9e de Bruxelles",
        "country": "BE",
        "postcode": "1410",
        "box_number": "22",
        "street_number": "325"
      },
      "old_address": {
        "city": "Waterloo",
        "region": null,
        "street": "Rue Cul\u00E9e",
        "country": "BE",
        "postcode": "1410",
        "box_number": null,
        "street_number": "81"
      },
      "effective_date": "2022-01-01",
      "evidence_quote": "Il r\u00E9sulte de l\u0027Assembl\u00E9e G\u00E9n\u00E9rale Extraordinaire du 23 d\u00E9cembre 2021 le transfert du si\u00E8ge social de la soci\u00E9t\u00E9 \u00E0 l\u0027adresse suivante : \u0022Chauss\u00E9e de Bruxelles 325 C boite 22 \u00E0 1410 Waterloo\u0022 \u00E0 partir du 1er janvier 2022."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0895.844.092",
    "name_full": "INVEST-CONSEIL",
    "legal_form": "SCS"
  }
}
2019
30-08-2019 3 directors appointed Director changes
  • Sylvie VON DER CRONE, Commissaris
  • Denis CHINTINNE, Commissaris
  • Nicolas DE BIE, Commissaris
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Sylvie VON DER CRONE",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2016-01-01",
      "evidence_quote": "Par d\u00E9cision de l\u0027AGE du 11 juillet 2019, il est act\u00E9, \u00E0 l\u0027unanimit\u00E9, les nominations suivantes au poste de co-g\u00E9rants: - Madame Sylvie VON DER CRONE, domicili\u00E9e Rue Cul\u00E9e, 81 \u00E0 1410 WATERLOO avec effet r\u00E9troactif au 01/01/2016"
    },
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Denis CHINTINNE",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-08-30",
      "evidence_quote": "Par d\u00E9cision de l\u0027AGE du 11 juillet 2019, il est act\u00E9, \u00E0 l\u0027unanimit\u00E9, les nominations suivantes au poste de co-g\u00E9rants: - Monsieur Denis CHINTINNE, domicili\u00E9e Rue du Ruisseau, 16 \u00E0 6110 MONTIGNY-LE-TILLEUL \u00E0 dater de ce jour"
    },
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Nicolas DE BIE",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-08-30",
      "evidence_quote": "Par d\u00E9cision de l\u0027AGE du 11 juillet 2019, il est act\u00E9, \u00E0 l\u0027unanimit\u00E9, les nominations suivantes au poste de co-g\u00E9rants: - Monsieur Nicolas DE BIE, domicili\u00E9e Rue de l\u0027Escav\u00E9e, 2 \u00E0 1410 WATERLOO \u00E0 dater de ce jour"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0895.844.092",
    "name_full": "INVEST-CONSEIL",
    "legal_form": "SCS"
  }
}
2015
27-03-2015 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": true,
    "effective_date": "2015-03-27",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0895.844.092",
    "name_full": "INVEST-CONSEIL",
    "legal_form": "SCS"
  },
  "signature_regime": null,
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2013
20-12-2013 1 director appointed, 1 resigning Director changes
  • Philippe KESTERMANS, Gedelegeerd bestuurder
  • Thierry BOURGOIS, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Thierry BOURGOIS",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Il r\u00E9sulte de l\u0027Assembl\u00E9e G\u00E9n\u00E9rale Extraordinaire du 2 janvier 2013, qu\u0027\u00E0 sa demande, l\u0027Assembl\u00E9e accepte la d\u00E9mission de Monsieur Thierry BOURGOIS de sa fonction de g\u00E9rant."
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Philippe KESTERMANS",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "A l\u0027unanimit\u00E9, l\u0027Assembl\u00E9e d\u00E9cide de nommer Monsieur Philippe KESTERMANS domicili\u00E9, 18 rue de Petit Roeulx \u00E0 6230 Rossegnies comme g\u00E9rant."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0895.844.092",
    "name_full": "INVEST-CONSEIL",
    "legal_form": "SCS"
  }
}
2009
16-03-2009 Registered office moved from Braine le Chateau to Waterloo Registered-office change
  • Rue de Mont Saint-Paul 5, 1440 Braine le Chateau → Rue Culée 81, 1410 Waterloo
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Waterloo",
        "region": null,
        "street": "Rue Cul\u00E9e",
        "country": "BE",
        "postcode": "1410",
        "box_number": null,
        "street_number": "81"
      },
      "old_address": {
        "city": "Braine le Chateau",
        "region": null,
        "street": "Rue de Mont Saint-Paul",
        "country": "BE",
        "postcode": "1440",
        "box_number": null,
        "street_number": "5"
      },
      "effective_date": "2009-01-01",
      "evidence_quote": "Le conseil d\u0027administration qui s\u0027est r\u00E9uni ce 3 d\u00E9cembre 2008 a d\u00E9cid\u00E9 de transf\u00E9rer le si\u00E8ge sociale de la soci\u00E9t\u00E9 qui est fix\u00E9 \u00E0 Braine le Chateau (1440), rue Mont Saint-Paui 5 \u00E0 Waterloo (1410) Rue Cul\u00E9e 81 \u00E0 partir du 1r janvier 2009"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0895.844.092",
    "name_full": "INVEST-CONSEIL",
    "legal_form": "SCS"
  }
}
2008
06-06-2008 1 director appointed, 1 resigning Director changes
  • Xavier STUBBE, Gedelegeerd bestuurder
  • Sylvie VON DER CRONE, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Sylvie VON DER CRONE",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Il r\u00E9sulte de l\u0027Assembl\u00E9e G\u00E9n\u00E9rale Extraordinaire du 16 mai 2008, qu\u00E0 sa demande, l\u0027Assembl\u00E9e accepte la d\u00E9mission de Madame Sylvie VON DER CRONE de sa fonction de g\u00E9rante."
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Xavier STUBBE",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "A l\u0027unanimit\u00E9, l\u0027Assembl\u00E9e d\u00E9cide de nommer Monsieur Xavier STUBBE domicili\u00E9 5 Rue de Mont Saint-Pont \u00E0 1440 Braine-le-Chateau comme g\u00E9rant."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0895.844.092",
    "name_full": "INVEST-CONSEIL",
    "legal_form": "SCS"
  }
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van verzekeringsagenten en -makelaars66220
Primary activity highlighted.
Names & trade names
Legal nameFR INVEST-CONSEIL
Registered office
Chaussée de Bruxelles 325C bus 22
1410 Waterloo, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative