CAPELLE INVEST
ActiveCAPELLE INVEST has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €164k and a net result of €12k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 95% of 15868 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability44▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 23.38 against 10.61 in 2023; short-term debt: 3.8% and cash: 3.4% of total assets), and 4.1% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €164k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
30 d late
2022
32 d late
2021
30 d late
2020
214 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€164k▲ 7.7%
2023 · €152k
2018: €146k
2019: €207k
2020: €207k
2021: €214k
2022: €90k
2023: €152k
2018 → 2024
Total assets
€171k▲ 2.5%
2023 · €167k
2018: €413k
2019: €353k
2020: €283k
2021: €302k
2022: €166k
2023: €167k
2018 → 2024
Net result
€12k▼ 81.0%
2023 · €62k
2018: €-36k
2019: €61k
2020: €40k
2021: €7k
2022: €-71k
2023: €62k
2018 → 2024
Working capital
€147k▲ 8.6%
2023 · €135k
2018: €-124k
2019: €-127k
2020: €121k
2021: €104k
2022: €10k
2023: €135k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€207k-€214k▲ 3.5%€90k▼ 57.8%€152k▲ 68.4%€164k▲ 7.7%
Operating result€-38k-€3k€-74k€-13k▲ 82.5%€4k
Net result€40k-€7k▼ 82.1%€-71k€62k€12k▼ 81.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €4k after a loss of €13k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €171k
Fixed assets
€17k▲ 0.7%
Current assets
€153k▲ 2.7%
Equity and liabilities €171k
Equity
€164k▲ 7.7%
Debt
€7k▼ 51.6%
The debt ratio falls from 8.8% to 4.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▲
2023 · €-8k
Cash flow
€12k▼
2023 · €66k
Solvency
95.9%▲
2023 · 91.2%
Current ratio
23.38▲
2023 · 10.61
Quick ratio
15.22▲
2023 · 6.13
Debt / equity
0.04▼
2023 · 0.10
ROE
7.2%▼
2023 · 40.6%
ROA
6.9%▼
2023 · 37.1%
Interest coverage
1.95▲
2023 · -1.50
Debt
€7k▼
2023 · €15k
Debt ≤ 1 year
€7k▼
2023 · €14k
Debt > 1 year
€493=
2023 · €493
Income taxes
€-133
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€167k€171k▲
Fixed assets21/28€17k€17k▲
Tangible fixed assets22/27€311-
Furniture and vehicles24€311-
Financial fixed assets28€17k€17k▲
Current assets29/58€149k€153k▲
Stocks and contracts in progress3€63k€54k▼
Stocks30/36€63k€54k▼
Amounts receivable within one year40/41€49k€94k▲
Trade receivables40€21k€32k▲
Other amounts receivable41€28k€62k▲
Cash at bank and in hand54/58€38k€6k▼
Equity and liabilities
Total equity and liabilities10/49€167k€171k▲
Equity10/15€152k€164k▲
Contributions10/11€176k€176k=
Capital10€176k€176k=
Issued capital100€176k€176k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-27k€-15k▲
Amounts payable17/49€15k€7k▼
Amounts payable after more than one year17€493€493=
Other amounts payable178/9€493€493=
Amounts payable within one year42/48€14k€7k▼
Trade debts44€14k€7k▼
Suppliers440/4€14k€7k▼
Taxes, remuneration and social security45€136-
Taxes450/3€136-
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€231k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€311▼
Other operating charges640/8€4k€140▼
Gross operating margin9900€-5k€5k▲
Operating profit (loss)9901€-13k€4k▲
Financial income75/76B€80k€10k▼
Recurring financial income75€80k€10▼
Non-recurring financial income76B€80k€10k▼
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€62k€12k▼
Income taxes67/77-€-133
Profit (loss) for the period9904€62k€12k▼
Profit (loss) for the period to be appropriated9905€62k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-15k▲
Profit (loss) brought forward from the previous period14P€-89k€-27k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 23.38
Current ratio from 10.61 to 23.38; short-term debt falls from €14k to €7k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €62k
Net result €62k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 10.61
Current ratio from 1.14 to 10.61; short-term debt falls from €75k to €14k.
31-12
Financial
Equity above €150kEq €152k ▲68.4%
Equity rises from €90k to €152k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €-71k ▼1094%
Net result drops to €-71k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 214 days late
2020
31-12
Financial
Liquidity times 38current ratio 2.60
Current ratio from 0.07 to 2.60; short-term debt falls from €136k to €76k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
31-12
Financial
Equity above €200kEq €207k ▲41.6%
Equity rises from €146k to €207k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Trooz · 1 establishment unit since 2012
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 Fonds de Forêt 144870 TroozGround area
453 m²
Building footprint
190 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
-
since 20122.249.350.123
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62040B0654/00X000indicative | Wallonia | 323 m² | 1 · 140 m² | - |
| 62816D1050/00H000 | Wallonia | 130 m² | 1 · 50 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
98450096D53EAB3A8E03
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Of 732 companies in sector 46820 we hold annual accounts for 388. 213 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL
46820Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 45 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jf.capelle@hotmail.be
Phone:0475/45.73.31