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ADF INVEST

Active
Private limited company·Overige zakelijke dienstverlening, neg· 2 yrs active
Rue de la Poste(H-G) 51 ·7110 La Louvière, Belgium
KBO/BCE: BE 1002.278.432
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Age2 yrs
Real estate1 parcel · 251 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of ADF INVEST is 1.0% (low). The 2024 annual accounts show equity of €53k and a net result of €47k. Its solvency ranks better than 17% of 3174 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.0% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 3174 sector peers (2024).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 10-10-2025 71 d late 2025-00544191

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€47k
Working capital€-237k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 10-10-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 8.8% 53.8%
better than 17% of 3174 sector peers
Net result €47k €18k
better than 76% of 3173 sector peers
Equity €53k €40k
better than 58% of 3176 sector peers
Gross operating margin €69k €36k
better than 72% of 3173 sector peers
Total assets €606k €93k
better than 93% of 3179 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€47k
Cash flow-
Staff costs-
Income taxes€12k
Dividends-
Total assets€606k
Equity€53k
Debt€553k
of which ≤ 1y€240k
of which > 1y€313k
Working capital€-237k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.01
Quick ratio0.01
Working capital ratio-39.0%
Solvency8.8%
Debt / equity10.36
Long-term debt ratio5.85
Interest coverage-
Gross margin-
Net margin-
ROA7.8%
ROE88.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€606k
Fixed assets 21/28€603k
Financial fixed assets 28€603k
Current assets 29/58€3k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€929
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€606k
Equity 10/15€53k
Contributions / capital 10/11€6k
Accumulated profits (losses) 14€47k
Amounts payable 17/49€553k
Amounts payable after one year 17€313k
Amounts payable within one year 42/48€240k
Trade debts payable within one year 44€271
Income statement
Gross operating margin 9900€69k
Operating result 9901€69k
Financial income 75€100
Financial charges 65€10k
Result before taxes 9903€59k
Income taxes 67/77€12k
Net result for the period 9904€47k
Result to be appropriated 9905€47k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
35 / 100 Weak
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue de la Poste(H-G) 517110 La Louvière

Establishment units

1 location
ADF INVEST
Rue de la Poste(H-G) 51, 7110 La LouvièreManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20232.352.151.812
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area251 m²
Buildings1
Building footprint109 m²
Volume (LiDAR)449 m³
Tallest building8.3 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.
55020C0513/00N003 Wallonia 251 m² 1 · 108 m² 8.3 m · 1 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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health35Profitability100Solvency6Growth-Stability67
52 / 100

Mixed profile: strong on profitability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 35
Profitability 100
Solvency 6
Growth -
Stability 67

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,967 of the 24,463 companies in this sector. 2,438 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameFR ADF INVEST
Registered office
Rue de la Poste(H-G) 51
7110 La Louvière, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.