ACTIVE

Investments, Loans and Consulting

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Financial year 2024 · closed on 31/12/2024

Net result

-803,9 k €

-112.6% YoY

Revenue

1,9 M €

-24.3% YoY

Equity

2,9 M €

-58.5% YoY

Workforce

17,0 ETP

-13.3% YoY

What does Investments, Loans and Consulting do?

Investments, Loans and Consulting is a Public limited company incorporated in 1994. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Tubize. It employs on average 17,0 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0453.185.879

Incorporation

31/07/1994

Legal form

Public limited company

Registered office

Rue de l'Atelier 27
1480 Tubize · WallonieSee on map

Contributed capital

61 973,00 €

Latest accounts

31/12/2024

Average workforce

17,0 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 78200Temporary employment agency activities 78200Temporary employment agency activities 64200Activities of holding companies 64210Activities of holding companies+2

Joint committees (5)

100
200
218
307
32201

Signals

Solid equityLow riskGood liquidityHealthy social debtsHigh revenue

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Revenue	1,9 M €	-24.3%	2,5 M €	-9.1%	2,7 M €	-22.1%	3,5 M €	+3.6%	3,4 M €	-11.4%	3,8 M €	-2.0%	3,9 M €	-4.6%	4 M €	+5.7%	3,8 M €	+166%	1,4 M €	+4.0%	1,4 M €	+4.9%	1,3 M €	+0.9%	1,3 M €	+0.4%	1,3 M €	-17.5%	1,6 M €	-15.4%	1,9 M €	+2.0%	1,8 M €	-39.0%	3 M €	+98.7%	1,5 M €
EBITDA	-717,8 k €	-33630%	-2,1 k €	-102%	123,1 k €	-80.9%	645,8 k €	+136%	273,7 k €	-73.4%	1 M €	+7.1%	960 k €	-40.2%	1,6 M €	+41.8%	1,1 M €	+4.2%	1,1 M €	+3.8%	1 M €	+89.0%	553 k €	+0.5%	550,4 k €	+0.2%	549,2 k €	+27.8%	429,7 k €	+5.2%	408,3 k €	-14.9%	480 k €	+13668%	3,5 k €	-97.5%	140,4 k €
Operating result	-797,2 k €	-673%	-103,2 k €	-2099%	-4,7 k €	-101%	522,8 k €	+9.6%	477,2 k €	-46.5%	891,4 k €	+8.8%	819 k €	-44.5%	1,5 M €	+95.3%	756,3 k €	-24.8%	1 M €	+1.9%	986,4 k €	+98.5%	496,9 k €	+4.8%	473,9 k €	+8.5%	436,9 k €	+38.4%	315,6 k €	+6.9%	295,2 k €	-23.7%	386,8 k €	+691%	-65,5 k €	-154%	121,2 k €
Net result	-803,9 k €	-113%	6,4 M €	+45532%	-14 k €	-104%	370 k €	+27.4%	290,4 k €	-64.8%	825,1 k €	+30.7%	631,3 k €	-52.0%	1,3 M €	+179%	471,3 k €	-29.2%	665,4 k €	+13.7%	585,4 k €	+72.5%	339,3 k €	-5.3%	358,2 k €	+37.7%	260,2 k €	+46.7%	177,4 k €	+25.8%	141 k €	-23.9%	185,4 k €	+511%	-45,2 k €	-176%	59,4 k €
Balance sheet
Equity	2,9 M €	-58.5%	7 M €	+1056%	604 k €	-2.3%	618,1 k €	-82.6%	3,5 M €	-0.3%	3,6 M €	+17.3%	3 M €	+12.3%	2,7 M €	+47.2%	1,8 M €	+12.0%	1,6 M €	+32.2%	1,2 M €	+57.4%	787,2 k €	+10.2%	714,5 k €	+101%	356,3 k €	+7.5%	331,4 k €	+22.0%	271,7 k €	+108%	130,7 k €	+108%	62,9 k €	-41.8%	108,1 k €
Total assets	3,7 M €	-53.7%	8,1 M €	+56.5%	5,1 M €	+8.0%	4,8 M €	+3.2%	4,6 M €	-0.5%	4,6 M €	-3.4%	4,8 M €	+2.2%	4,7 M €	+19.1%	4 M €	+31.9%	3 M €	+18.5%	2,5 M €	+21.0%	2,1 M €	+7.4%	1,9 M €	+5.8%	1,8 M €	+9.0%	1,7 M €	-7.4%	1,8 M €	+16.3%	1,6 M €	+9.8%	1,4 M €	+107%	688,3 k €
Cash	35,9 k €	-92.1%	455,9 k €	+0.3%	454,6 k €	+209%	147,3 k €	-65.2%	423,4 k €	+149%	170,4 k €	-73.4%	639,5 k €	+78.4%	358,5 k €	+46.4%	244,9 k €	-3.7%	254,4 k €	-25.1%	339,5 k €	+61.0%	210,9 k €	+30.8%	161,3 k €	+203%	53,2 k €	-75.8%	219,6 k €	+207%	71,5 k €	-20.9%	90,4 k €	+743%	10,7 k €	-80.6%	55,3 k €
Debts	828,8 k €	-23.0%	1,1 M €	-76.3%	4,5 M €	+9.8%	4,1 M €	+293%	1,1 M €	-1.6%	1,1 M €	-39.2%	1,8 M €	-6.2%	1,9 M €	-5.5%	2 M €	+58.2%	1,3 M €	+3.8%	1,2 M €	+0.8%	1,2 M €	+13.2%	1,1 M €	-18.9%	1,3 M €	+8.4%	1,2 M €	-17.0%	1,5 M €	+13.4%	1,3 M €	-2.0%	1,3 M €	+126%	580,2 k €
Other
Workforce	17,0 ETP	-13.3%	19,6 ETP	-7.1%	21,1 ETP	-5.4%	22,3 ETP	+6.7%	20,9 ETP	-4.6%	21,9 ETP	-8.8%	24,0 ETP	+7.1%	22,4 ETP	+13.1%	19,8 ETP	-4.3%	20,7 ETP	+10.1%	18,8 ETP	-11.7%	21,3 ETP	-13.8%	24,7 ETP	+2.5%	24,1 ETP	-14.8%	28,3 ETP	-9.3%	31,2 ETP	+7.6%	29,0 ETP	+3.6%	28,0 ETP	0.0%	28,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 2 active · 30 ended

Active mandates

Thierry FRIX

Managing director · since 01 octobre 2024 · until 30 septembre 2030

Active

Thierry FRIX

Director · since 27 octobre 2020 · until 27 octobre 2026

Active

Ended mandates

Philippe VANDERMEER

Director · since 23 juillet 2021 · until 20 mai 2024

Ended

Philippe VANDERMEER

Director · since 23 juillet 2021 · until 24 juin 2024

Ended

Philippe VANDERMEER

Director · since 22 juillet 2018 · until 22 juillet 2021

Ended

Vincent BISILLIAT DONNET

Director · since 22 juillet 2018 · until 22 juillet 2021

Ended

At this address

Other companies at this address

Company	CBE no.
DEVELOPING INITIATIVES● Active	0473.850.047
IL&C GROUPE● Active	0645.681.587
IL & C Ma Sorcière bien-aimée● Active	0871.242.122
I.L.&C.-TITRES SERVICES-AGENCE D'ANDERLECHT● Active	0890.848.097
I.L. & C.-TITRES SERVICES-AGENCE DE BRUXELLES● Active	0880.149.690
I.L.&C.-TITRES SERVICES-AGENCE DE CHARLEROI● Active	0882.865.591
I.L. & C.-TITRES SERVICES-AGENCE DE JODOIGNE● Active	0885.284.059
I.L. & C. - TITRES SERVICES - AGENCE DE MONS● Active	0881.049.911
I.L. & C. TITRES SERVICES-AGENCE DE NAMUR● Active	0878.765.659
I.L.&C.- TITRES SERVICES-AGENCE D'ENGHIEN● Active	0888.372.520
I.L. & C. – Titres-Services – Agence de Philippeville● Active	0879.777.825
I.L. & C.-TITRES SERVICES-AGENCE D'EVERE● Active	0885.284.851
I.L.&C.-TITRES SERVICES-AGENCES DU LUXEMBOURG● Active	0894.268.635
JANSSENS PHILIPPE● Active	0442.117.189
MICHAUX● Active	0451.821.743
WISSVIIIN● Active	0677.884.795

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Full model	Full model	Full model	Full model	Full model	Full model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	08/07/2025	04/07/2024	14/11/2023	30/06/2022	21/06/2021	09/07/2020
General meeting	19/05/2025	24/06/2024	28/08/2023	18/05/2022	31/05/2021	19/06/2020
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

28 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Full model	31/12/2024	19/05/2025	08/07/2025	French	PDF
Full model	31/12/2023	24/06/2024	04/07/2024	French	PDF
Full model	31/12/2022	28/08/2023	14/11/2023	French	PDF
Full model	31/12/2021	18/05/2022	30/06/2022	French	PDF
Full model	31/12/2020	31/05/2021	21/06/2021	French	PDF
Full model	31/12/2019	19/06/2020	09/07/2020	French	PDF
Full model	31/12/2018	20/05/2019	06/06/2019	French	PDF
Full model	31/12/2017	22/05/2018	20/06/2018	French	PDF
Full model	31/12/2016	09/06/2017	29/06/2017	French	PDF
Consolidated accounts	31/12/2016	09/06/2017	17/07/2017	French	PDF
Full model	31/12/2015	25/05/2016	21/06/2016	French	PDF
Consolidated accounts	31/12/2015	25/05/2016	28/06/2016	French	PDF
Full model	31/12/2014	18/05/2015	04/06/2015	French	PDF
Consolidated accounts	31/12/2014	18/05/2015	26/06/2015	French	PDF
Full model	31/12/2013	19/05/2014	30/06/2014	French	PDF
Consolidated accounts	31/12/2013	19/05/2014	22/09/2014	French	PDF
Full model	31/12/2012	20/05/2013	28/06/2013	French	PDF
Consolidated accounts	31/12/2012	15/07/2013	19/07/2013	French	PDF
Full model	31/12/2011	21/05/2012	30/06/2012	French	PDF
Consolidated accounts	31/12/2011	01/06/2012	03/08/2012	French	PDF
Full model	31/12/2010	16/05/2011	28/06/2011	French	PDF
Consolidated accounts	31/12/2010	01/08/2011	09/08/2011	French	PDF
Full model	31/12/2009	17/05/2010	28/06/2010	French	PDF
Consolidated accounts	31/12/2009	18/05/2010	23/07/2010	French	PDF

View all 28 filings

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 2,5 M€ and 5 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2024 · 2 active · 30 ended

Active mandates

Thierry FRIX

Managing director · since 01 octobre 2024 · until 30 septembre 2030

Active

Thierry FRIX

Director · since 27 octobre 2020 · until 27 octobre 2026

Active

Ended mandates

Philippe VANDERMEER

Director · since 23 juillet 2021 · until 20 mai 2024

Ended

Philippe VANDERMEER

Director · since 23 juillet 2021 · until 24 juin 2024

Ended

Philippe VANDERMEER

Director · since 22 juillet 2018 · until 22 juillet 2021

Ended

Vincent BISILLIAT DONNET

Director · since 22 juillet 2018 · until 22 juillet 2021

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates31/10/2025
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DENOMINATION - SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Mandates05/11/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates05/11/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates16/07/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates09/12/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates23/06/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates02/07/2019
DEMISSIONS, NOMINATIONS
PDF
Mandates24/08/2018
DEMISSIONS, NOMINATIONS
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2024
Annual accounts 2024-803,9 k €↓
2023
Annual accounts 20236,4 M €↑
2022
Annual accounts 2022-14 k €↓
2021
Annual accounts 2021370 k €↑
2020
Annual accounts 2020290,4 k €↓
2019
Annual accounts 2019825,1 k €↑
2018
Annual accounts 2018631,3 k €↓
2017
Annual accounts 20171,3 M €↑
2016
Annual accounts 2016471,3 k €↓
2015
Annual accounts 2015665,4 k €↑
2014
Annual accounts 2014585,4 k €↑
2013
Annual accounts 2013339,3 k €↓
2012
Annual accounts 2012358,2 k €↑
2011
Annual accounts 2011260,2 k €↑
2010
Annual accounts 2010177,4 k €↑
2009
Annual accounts 2009141 k €↓
2008
Annual accounts 2008185,4 k €↑
2007
Annual accounts 2007-45,2 k €↓
2006
Annual accounts 200659,4 k €
31/07/1994
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

Investments, Loans and Consulting

Overview

What does Investments, Loans and Consulting do?

Trend over 19 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline