Binvest
ActiveBinvest has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €62k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 315 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-29
Solvency36▲+36
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.38 against 0.17 in 2024; short-term debt: 8% and cash: 0.4% of total assets), and 88.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.2%
Return on assets
3.4%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 7 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
68 d late
2022
18 d late
2021
80 d early
2020
31 d late
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€203k
2024 · €-159k
2019: €-315k
2020: €-375k
2021: €-349k
2022: €-327k
2024: €-159k
2019 → 2025
Total assets
€1.80M▲ 4,275%
2024 · €41k
2019: €277k
2020: €90k
2021: €69k
2022: €52k
2024: €41k
2019 → 2025
Net result
€62k▼ 15.9%
2024 · €73k
2019: €-333k
2020: €-60k
2021: €26k
2022: €22k
2024: €73k
2019 → 2025
Working capital
€-90k▲ 39.5%
2024 · €-149k
2019: €-385k
2020: €-427k
2021: €-319k
2022: €-269k
2024: €-149k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€-375k-€-349k▲ 6.9%€-327k▲ 6.3%€-159k▲ 51.3%€203k
Operating result€-46k-€34k€31k▼ 7.6%€88k▲ 180%€75k▼ 14.6%
Net result€-60k-€26k€22k▼ 16.1%€73k▲ 233%€62k▼ 15.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.80M
Fixed assets
€1.75M▲ 17,954%
Current assets
€54k▲ 71.3%
Equity and liabilities €1.80M
Equity
€203k
Debt
€1.60M
Debt finances 88.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€76k▼
2024 · €91k
Cash flow
€63k▼
2024 · €76k
Solvency
11.2%▲
2024 · -386.6%
Current ratio
0.38▲
2024 · 0.17
Quick ratio
0.38▲
2024 · 0.17
Debt / equity
7.89▲
2024 · -1.26
ROE
30.5%
ROA
3.4%▼
2024 · 178.3%
Interest coverage
5.79▼
2024 · 6.47
Debt
€1.60M▲
2024 · €200k
Debt ≤ 1 year
€144k▼
2024 · €180k
Debt > 1 year
€1.45M▲
2024 · €20k
Income taxes
€240▼
2024 · €328
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€41k€1.80M▲
Fixed assets21/28€10k€1.75M▲
Intangible fixed assets21€607€0▼
Tangible fixed assets22/27€5k€64k▲
Furniture and vehicles24€502€0▼
Other tangible fixed assets26€5k€64k▲
Financial fixed assets28€4k€1.68M▲
Current assets29/58€31k€54k▲
Amounts receivable within one year40/41€30k€47k▲
Trade receivables40€25k€18k▼
Other amounts receivable41€5k€30k▲
Cash at bank and in hand54/58€1k€7k▲
Equity and liabilities
Total equity and liabilities10/49€41k€1.80M▲
Equity10/15€-159k€203k▲
Contributions10/11€170k€470k▲
Reserves13€37k€37k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€-366k€-305k▲
Amounts payable17/49€200k€1.60M▲
Amounts payable after more than one year17€20k€1.45M▲
Financial debts170/4€20k€1.45M▲
Amounts payable within one year42/48€180k€144k▼
Current portion of amounts payable after more than one year42€16k€40k▲
Financial debts43€100k€0▼
Credit institutions430/8€100k€0▼
Trade debts44€22k€93k▲
Suppliers440/4€22k€93k▲
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€10k▲
Other amounts payable47/48€37k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€2k€10k▲
Non-recurring operating charges66A-€12k
Gross operating margin9900€93k€98k▲
Operating profit (loss)9901€88k€75k▼
Financial income75/76B€21€236▲
Recurring financial income75€21€236▲
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€74k€62k▼
Income taxes67/77€328€240▼
Profit (loss) for the period9904€73k€62k▼
Profit (loss) for the period to be appropriated9905€73k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-366k€-305k▲
Profit (loss) brought forward from the previous period14P€-440k€-366k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (29 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €200kEq €203k
4 profitable years in a row build equity to €203k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Highest result since 2019net €73k ▲233%
Operating result €88k, net result €73k, both a record.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2019
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-07-2019
Resigned as Manager
Location & real-estate footprint
Registered office, Puurs-Sint-Amands · 1 establishment unit since 2018
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.
St.-Katharinastraat 1892870 Puurs-Sint-AmandsGround area
9,779 m²
Building footprint
1,935 m²
Volume, LiDAR
17,756 m³
Parcel 12032B0115/00F000, Flanders · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BINVEST
since 20182.279.090.521
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12032B0115/00F000 | Flanders | 9,779 m² | 1 · 1,935 m² | 13.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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ANIMUS
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TAVERNIER -VAN DE VIJVER
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ERIC SALMON & PARTNERS
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,057 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2018
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:bart@binvest-co.be
E-mail:bvandeneynde@binvest.be
Phone:0498884209