Capo Invest is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €199 and a net result of €104k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 5498 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 5498 sector peers (2025).
NBB · sector comparisonPosition among 5498 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-01-2026, 114 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
114 d early
2024
118 d early
2023
43 d early
2022
46 d early
2021
50 d early
2020
59 d early
2019
14 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€199▼ 99.3%
2024 · €28k
2019: €16k
2020: €30k
2021: €74k
2022: €193k
2023: €-46k
2024: €28k
2019 → 2025
Net result
€104k▲ 23.6%
2024 · €84k
2019: €11k
2020: €14k
2021: €44k
2022: €118k
2023: €-239k
2024: €84k
2019 → 2025
Total assets
€285k▲ 88.2%
2024 · €151k
2019: €225k
2020: €202k
2021: €243k
2022: €657k
2023: €220k
2024: €151k
2019 → 2025
Solvency
0.1%▼ 18.7pp
2024 · 18.8%
2019: 6.9%
2020: 14.8%
2021: 30.5%
2022: 29.3%
2023: -21.0%
2024: 18.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€193k▲ 159%€-46k€28k€199▼ 99.3%
Operating result€66k-€107k▲ 61.7%€254k▲ 138%€127k▼ 50.2%€149k▲ 17.6%
Net result€44k-€118k▲ 167%€-239k€84k€104k▲ 23.6%
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 recovers in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€114k▼ 0.6%
Current assets
€170k▲ 371%
Equity and liabilities €285k
Equity
€199▼ 99.3%
Debt
€284k▲ 132%
The debt ratio rises from 81.2% to 99.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
0.1%▼
2024 · 18.8%
ROA
36.5%▼
2024 · 55.6%
Debt
€284k▲
2024 · €123k
Debt ≤ 1 year
€243k▲
2024 · €70k
Debt > 1 year
€40k▼
2024 · €52k
Income taxes
€39k▲
2024 · €35k
Equity ratios withheld: equity of €199 is too small for a meaningful ratio.
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€151k€285k▲
Fixed assets21/28€115k€114k▼
Tangible fixed assets22/27€3k€2k▼
Land and buildings22€0-
Plant, machinery and equipment23-€2k
Furniture and vehicles24€3k€252▼
Financial fixed assets28€113k€113k=
Current assets29/58€36k€170k▲
Amounts receivable within one year40/41€30k€39k▲
Trade receivables40€30k€0▼
Other amounts receivable41€0€39k▲
Current investments50/53€2k€0▼
Cash at bank and in hand54/58€4k€129k▲
Deferred charges and accrued income490/1€209€2k▲
Equity and liabilities
Total equity and liabilities10/49€151k€285k▲
Equity10/15€28k€199▼
Contributions10/11€6k€6k=
Reserves13€217k€165k▼
Distributable reserves133€217k€165k▼
Profit (loss) carried forward14€-195k€-171k▲
Amounts payable17/49€123k€284k▲
Amounts payable after more than one year17€52k€40k▼
Financial debts170/4€52k€40k▼
Amounts payable within one year42/48€70k€243k▲
Current portion of amounts payable after more than one year42€11k€25k▲
Trade debts44€6k€8k▲
Suppliers440/4€6k€8k▲
Taxes, remuneration and social security45€25k€15k▼
Taxes450/3€25k€15k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€27k€195k▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€571€712▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€6k€0▼
Gross operating margin9900€134k€151k▲
Operating profit (loss)9901€127k€149k▲
Financial income75/76B€0€534▲
Recurring financial income75€0€534▲
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€119k€143k▲
Income taxes67/77€35k€39k▲
Profit (loss) for the period9904€84k€104k▲
Profit (loss) for the period to be appropriated9905€84k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-155k€-91k▲
Profit (loss) brought forward from the previous period14P€-239k€-195k▲
Transfer from equity791/2€9k€82k▲
Transfer to equity691/2€40k€30k▼
To other reserves6921€40k€30k▼
Profit to be distributed694/7€9k€132k▲
Return on contributions (dividend)694€9k€132k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (16 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
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €84k
Net result €84k after one loss-making year.
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-239k ▼302%
Net result drops to €-239k, the lowest in the series; recovery starts the following year.
15-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2019net €118k ▲167%
Net result €118k, the highest in the series.
30-09
Financial
Equity above €150kEq €193k ▲159%
4 profitable years in a row build equity to €193k.
11-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-04
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
3 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, Kortrijk · 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.
Joanna V. Konstantinopelstr(Mar) 88510 Kortrijk1 establishment unit
Capo Invest
since 20182.280.402.791
Recognitions · licences · registrations
Legal Entity Identifier
64882354PG82PRFT3C82
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 217 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2018
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.