D.B. INVEST
ActiveD.B. INVEST has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €-267. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 61% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-23
Solvency92▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.23 against 2.21 in 2024; short-term debt: 20.5% and cash: 12.5% of total assets), and 32.9% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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 2025Solvency, return and age of the figures
Solvency
67.1%
Return on assets
-0.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 03-10-2025, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
7 d early
2023
19 d early
2022
6 d early
2021
16 d early
2020
8 d early
2019
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€317k▼ 0.1%
2024 · €317k
2019: €284k
2020: €305k
2021: €306k
2022: €299k
2023: €303k
2024: €317k
2019 → 2025
Total assets
€472k▼ 3.1%
2024 · €487k
2019: €307k
2020: €328k
2021: €347k
2022: €369k
2023: €382k
2024: €487k
2019 → 2025
Net result
€-267
2024 · €14k
2019: €21k
2020: €21k
2021: €16k
2022: €18k
2023: €5k
2024: €14k
2019 → 2025
Working capital
€119k▲ 2.9%
2024 · €116k
2019: €99k
2020: €120k
2021: €121k
2022: €113k
2023: €118k
2024: €116k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€306k-€299k▼ 2.4%€303k▲ 1.5%€317k▲ 4.6%€317k▼ 0.1%
Operating result€21k-€25k▲ 23.3%€5k▼ 79.4%€20k▲ 283%€2k▼ 88.8%
Net result€16k-€18k▲ 12.8%€5k▼ 74.7%€14k▲ 207%€-267
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €472k
Fixed assets
€256k▼ 6.9%
Current assets
€216k▲ 1.9%
Equity and liabilities €472k
Equity
€317k▼ 0.1%
Debt
€155k▼ 8.8%
The debt ratio falls from 35.0% to 32.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €26k
Cash flow
€19k▼
2024 · €20k
Solvency
67.1%▲
2024 · 65.0%
Current ratio
2.23▲
2024 · 2.21
Quick ratio
2.23▲
2024 · 2.21
Debt / equity
0.49▼
2024 · 0.54
ROE
-0.1%▼
2024 · 4.4%
ROA
-0.1%▼
2024 · 2.8%
Interest coverage
2.51▼
2024 · 4.87
Debt
€155k▼
2024 · €170k
Debt ≤ 1 year
€97k▲
2024 · €96k
Debt > 1 year
€59k▼
2024 · €74k
Income taxes
€2k▼
2024 · €8k
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€487k€472k▼
Fixed assets21/28€275k€256k▼
Tangible fixed assets22/27€90k€71k▼
Plant, machinery and equipment23€2k€1k▼
Leasing and similar rights25€88k€69k▼
Financial fixed assets28€186k€186k=
Current assets29/58€212k€216k▲
Amounts receivable within one year40/41€138k€146k▲
Trade receivables40€13k€13k=
Other amounts receivable41€125k€132k▲
Current investments50/53€20k€10k▼
Cash at bank and in hand54/58€53k€59k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€487k€472k▼
Equity10/15€317k€317k▼
Contributions10/11€177k€177k=
Reserves13€140k€140k▼
Distributable reserves133€140k€140k▼
Amounts payable17/49€170k€155k▼
Amounts payable after more than one year17€74k€59k▼
Financial debts170/4€74k€59k▼
Amounts payable within one year42/48€96k€97k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€3k€216▼
Suppliers440/4€3k€216▼
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€7k€11k▲
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€68k€67k▼
Income statement
Code20242025
Non-recurring operating income76A€4k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€19k▲
Other operating charges640/8€632€868▲
Gross operating margin9900€27k€22k▼
Operating profit (loss)9901€20k€2k▼
Financial income75/76B€7k€8k▲
Recurring financial income75€7k€8k▲
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€22k€1k▼
Income taxes67/77€8k€2k▼
Profit (loss) for the period9904€14k€-267▼
Profit (loss) for the period to be appropriated9905€14k€-267▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€-267▼
Transfer from equity791/2-€267
Transfer to equity691/2€14k€0▼
To other reserves6921€14k€0▼
The notes to these accounts (11 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
2025
03-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-267 ▼102%
Net result drops to €-267, the lowest in the series.
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
12-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €21k ▲2.5%
Operating result €30k, net result €21k, both a record.
2019
03-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zwevegem · 1 establishment unit since 2003
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.
Pontstraat(H) 58551 ZwevegemGround area
981 m²
Building footprint
176 m²
Volume, LiDAR
902 m³
Parcel 34014B0574/00N002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pontstraat(H) 5, 8551 Zwevegem
since 20032.126.653.140
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34014B0574/00N002 | Flanders | 981 m² | 1 · 176 m² | 7.7 m · 2 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.
Similar companies · same sector, comparable size
INERTIA
BE 0872.264.580
Anderlecht · Eq €317k
INTERNATIONAL CONSULTING SERVICES
BE 0437.575.710
Brussel · Eq €317k
SEMOKAM
BE 0459.752.779
Grez-Doiceau · Eq €317k
HI MANAGEMENT
BE 0540.592.876
Sint-Pieters-Leeuw · Eq €317k
DE VALKENEER
BE 0476.235.257
Aalst · Eq €317k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 37,804 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2003
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.