Active BE 0776.342.072Private limited company

BALDER INVEST

Lochtemanweg 88 ·3550 Heusden-Zolder, Belgium· 4 yrs active

Sector: Overige zakelijke dienstverlening, neg (82990)

Conclusion Checked

The computed 12-month bankruptcy probability of BALDER INVEST is 0.7% (low). The 2024 annual accounts show equity of €2.47M and a net result of €214k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 81% of 429 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€2.47M
Net result	€214k
Better than sector	81%
Active	4 yrs

Financial profile 5 of 5 axes measured · computed by Checked

79 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 78

Profitability 43

Solvency 100

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

0.7% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

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

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

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.

Health barometer FY 2024 · computed

78 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

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

Financial overview3 NBB filings

Annual accounts filed on 30-05-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~33.1%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 82 · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	70.2%	33.5%	better than 81% of 429 sector peers
Net result	€214k	€34k	better than 84% of 428 sector peers
Equity	€2.47M	€108k	better than 92% of 429 sector peers
Gross operating margin	€-22k	€85k	better than 5% of 425 sector peers
Total assets	€3.51M	€610k	better than 86% of 429 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€214k

-86.0% 22-24

Total assets

€3.51M

+0.3% 22-24

Equity

€2.47M

+9.5% 22-24

Working capital

€667k

+2.2% 22-24

Income taxes

€0

-100.0% 22-24

Dividends

€0

-100.0% 22-24

Debt

€1.04M

-16.4% 22-24

Debt ≤ 1y

€445k

-1.1% 22-24

Show 7 other metrics

Debt > 1y

€600k

-25.0% 22-24

Current ratio

2.50

+2.0% 22-24

Quick ratio

2.50

+2.0% 22-24

Solvency

70.2%

+9.2% 22-24

Debt / equity

0.42

-23.7% 22-24

ROE

8.7%

-87.2% 22-24

ROA

6.1%

-86.0% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	verkort
Revenue	-
EBITDA	-
Net profit	€214k
Cash flow	-
Staff costs	-
Income taxes	€0
Dividends	€0
Total assets	€3.51M
Equity	€2.47M
Debt	€1.04M
of which ≤ 1y	€445k
of which > 1y	€600k
Working capital	€667k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.50
Quick ratio	2.50
Working capital ratio	19.0%
Solvency	70.2%
Debt / equity	0.42
Long-term debt ratio	0.24
Interest coverage	-
Gross margin	-
Net margin	-
ROA	6.1%
ROE	8.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €2.40M · 68.3% Current assets €1.11M · 31.7%

Equity & liabilities

Equity €2.47M · 70.3% Debt €1.04M · 29.8%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€3.51M
Fixed assets	21/28	€2.40M
Financial fixed assets	28	€2.40M
Current assets	29/58	€1.11M
Amounts receivable within one year	40/41	€1.11M
Cash & bank	54/58	€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€3.51M
Equity	10/15	€2.47M
Contributions / capital	10/11	€1.00M
Accumulated profits (losses)	14	€1.47M
Amounts payable	17/49	€1.04M
Amounts payable after one year	17	€600k
Amounts payable within one year	42/48	€445k
Trade debts payable within one year	44	€239k
Income statement
Gross operating margin	9900	€-22k
Operating result	9901	€-22k
Financial income	75	€250k
Financial charges	65	€13k
Result before taxes	9903	€214k
Income taxes	67/77	€0
Net result for the period	9904	€214k
Result to be appropriated	9905	€214k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 3 directors

Current directors & mandates

Phitec BVLegal entity
Managing director· perm. rep.: Philippron Jean-Claude
State Gazette act 25014361 (28-01-2025)

Current
30-09-2022 → present
3 events
- 28-01-2025 Appointed· Managing director
- 30-09-2022 Appointed· Director
- 30-09-2022 Appointed· Managing director

Former directors (2)

Patricia Donners
Director
State Gazette act 25014361 (28-01-2025)

Former
- → 16-12-2024
Philippron Jean Claude
Director
State Gazette act 23026914 (23-02-2023)

Former
- → 30-09-2022
2 events
- 30-09-2022 Resigned· Director
- 30-09-2022 Resigned· Managing director

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Overige zakelijke dienstverlening, neg(82990)
Legal form	Private limited company(610)
Incorporation	21-10-2021
Status	Active
Postal code	3550

Establishment units 1 location

BALDER INVEST

Lochtemanweg 88, 3550 Heusden-ZolderHoldings

since 20212.323.379.830

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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71502C0650/00A000	Flanders	6,280 m²	1 · 3,852 m²	17.6 m · 2 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 5 events

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

2025

30-05-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

28-01-2025

State Gazette act Director changes

2024

31-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

2023

30-06-2023

NBB filing Annual accounts filed

fiscal year 2022 · verkort

23-02-2023

State Gazette act Director changes

Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 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 2 acts

All acts · 2 updated 1 year ago

2025

28-01-2025 2 directors appointed, 1 resigning Director changes

Jean - Claude Philippron, Gedelegeerd bestuurder
Philippron Jean-Claude, Gedelegeerd bestuurder
Patricia Donners, Bestuurder

Original publication ↗

Technical details

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2023

23-02-2023 2 directors appointed, 2 resigning Director changes

Philippron Jean-Claude, Bestuurder
Philippron Jean-Claude, Gedelegeerd bestuurder
Philippron Jean Claude, Bestuurder
Philippron Jean Claude, Gedelegeerd bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

BALDER INVEST

Registered office

Lochtemanweg 88

3550 Heusden-Zolder, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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