CT-INVEST

Active

Private limited companyfounded 20215 yrs activeRue de Jupille 132, 4600 Visé, BelgiumKBO/BCE: BE 0765.344.945

The computed 12-month bankruptcy probability of CT-INVEST is 3.6% (moderate). The 2024 annual accounts show negative equity (€-42k) and a net result of €-11k. Equity is shrinking by ~78% per year across the filed fiscal years. Its solvency ranks better than 14% of 26046 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

22 / 100

Critical

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability9▲+9

Solvency0=

Growth58▲+26

Track record94

Bankruptcy probability, 12 months

3.6% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.73 against 0.89 in 2023; short-term debt: 130.9% and cash: 17.8% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

-38.4%

Return on assets

-9.7%

Age of the figures

21 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

21222324

2021 to 2024 · latest year €-42k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 4 filings

Deviation from the deadline

2025

not confirmed

2024

61 d late

2023

57 d late

2022

88 d early

2021

74 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€-42k▼ 33.9%

2023 · €-32k

2021: €6k 2022: €-13k 2023: €-32k

2021 → 2024

Total assets

€110k▼ 13.5%

2023 · €127k

2021: €183k 2022: €174k 2023: €127k

2021 → 2024

Net result

€-11k▲ 42.6%

2023 · €-19k

2021: €-14k 2022: €-19k 2023: €-19k

2021 → 2024

Working capital

€-39k▼ 161%

2023 · €-15k

2021: €45k 2022: €17k 2023: €-15k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€6k-€-13k€-32k▼ 145%€-42k▼ 33.9%

Operating result€-12k-€-15k▼ 25.6%€-12k▲ 21.4%€-1k▲ 88.4%

Net result€-14k-€-19k▼ 32.5%€-19k▲ 0.6%€-11k▲ 42.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €1k in 2024 against €12k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €110k

95.1%

Fixed assets €5k▼ 46.6%

Current assets €105k▼ 10.6%

Key figures and ratios

2024 value · change against 2023

EBITDA

€3k▲

2023 · €-7k

Cash flow

€-6k▲

2023 · €-14k

Solvency

-38.4%▼

2023 · -24.8%

Current ratio

0.73▼

2023 · 0.89

Quick ratio

0.14▼

2023 · 0.18

Debt / equity

-3.61▲

2023 · -5.03

ROA

-9.7%▲

2023 · -14.7%

Interest coverage

0.34▲

2023 · -1.01

Debt

€152k▼

2023 · €159k

Debt ≤ 1 year

€144k▲

2023 · €132k

Debt > 1 year

€7k▼

2023 · €24k

Staff costs

€73k▲

2023 · €68k

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€127k€110k▼

Fixed assets21/28€10k€5k▼

Intangible fixed assets21€611-

Tangible fixed assets22/27€10k€5k▼

Furniture and vehicles24€7k€4k▼

Other tangible fixed assets26€2k€2k▼

Current assets29/58€117k€105k▼

Stocks and contracts in progress3€93k€85k▼

Stocks30/36€93k€85k▼

Amounts receivable within one year40/41€658€286▼

Trade receivables40€658€286▼

Cash at bank and in hand54/58€24k€20k▼

Equity and liabilities

Total equity and liabilities10/49€127k€110k▼

Equity10/15€-32k€-42k▼

Contributions10/11€20k€20k=

Profit (loss) carried forward14€-52k€-62k▼

Amounts payable17/49€159k€152k▼

Amounts payable after more than one year17€24k€7k▼

Financial debts170/4€24k€7k▼

Amounts payable within one year42/48€132k€144k▲

Current portion of amounts payable after more than one year42€17k€18k▲

Trade debts44€20k€28k▲

Suppliers440/4€20k€28k▲

Taxes, remuneration and social security45€24k€26k▲

Taxes450/3€19k€14k▼

Remuneration and social security454/9€5k€12k▲

Other amounts payable47/48€71k€71k=

Accrued charges and deferred income492/3€2k€1k▼

Income statement Code20232024

Remuneration, social security and pensions62€68k€73k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼

Provisions for liabilities and charges: additions (uses and reversals)635/8€-2k-

Other operating charges640/8-€994

Gross operating margin9900€59k€77k▲

Operating profit (loss)9901€-12k€-1k▲

Financial income75/76B€198€444▲

Recurring financial income75€198€444▲

Financial charges65/66B€7k€10k▲

Recurring financial charges65€7k€10k▲

Profit (loss) for the period before taxes9903€-19k€-11k▲

Profit (loss) for the period9904€-19k€-11k▲

Profit (loss) for the period to be appropriated9905€-19k€-11k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-52k€-62k▼

Profit (loss) brought forward from the previous period14P€-33k€-52k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

26-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 57 days late

2023

04-05

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-19k

Net result drops to €-19k, the lowest in the series; recovery starts the following year.

13-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 74 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Visé · 1 establishment unit since 2021

establishment The establishment unit on the map

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 Jupille 1324600 Visé

Ground area

857 m²

Building footprint

198 m²

Parcel 62085A0010/00Y000, Wallonia. Linked by address, not a title deed.

1 establishment unit

CT-INVEST

Rue de Jupille 132, 4600 ViséOther manufacturing

since 20212.314.906.978

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62085A0010/00Y000	Wallonia	857 m²	1 · 198 m²	-

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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Visé2.314.906.978

2 permissions

Detailhandel mengvoeders vee · since 01-06-2021

Detailhandelaar voedermiddelen · since 01-06-2021

Similar companies · same sector, comparable size

Of 1,314 companies in sector 47639 we hold annual accounts for 624. 211 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-03-2021

Fiscal year end31-12

Activities, NACEBEL

47639Retail sale of other sporting goods

47640Retail trade

32300Other manufacturing

46150Agents in the wholesale of furniture, household goods and hardware

46496Wholesale trade

93110Operation of sports facilities

95290Repair and maintenance of other personal and household goods

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.