DBX INVEST
ActiveDBX INVEST has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-19k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 17% of 4147 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-36
Solvency32▼-2
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 1.0 against 1.04 in 2024; short-term debt: 88.8% and cash: 5.9% of total assets), and 93.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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 →
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
6.7%
Return on assets
-4.5%
Age of the figures
12 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 4147 sector peers (2025).
NBB · sector comparisonPosition among 4147 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 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
29 d late
2024
27 d late
2023
6 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
169 d late
← 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
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-19k
2024 · €25k
2019: €530
2020: €-11k
2021: €3k
2022: €-88k
2023: €78k
2024: €25k
2019 → 2025
Working capital
€-2k
2024 · €19k
2019: €-34k
2020: €-59k
2021: €-53k
2022: €-123k
2023: €-31k
2024: €19k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€-56k€22k€47k▲ 114%€28k▼ 40.1%
Operating result€38k-€-67k€102k€51k▼ 49.5%€5k▼ 90.3%
Net result€3k-€-88k€78k€25k▼ 68.0%€-19k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 90% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €386k
Fixed assets
€13k▲ 7.6%
Current assets
€372k▼ 18.0%
Equity and liabilities €421k
Equity
€28k▼ 40.1%
Debt
€393k▼ 15.3%
The debt ratio rises from 90.8% to 93.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €67k
Cash flow
€-5k▼
2024 · €41k
Solvency
6.7%▼
2024 · 9.2%
Current ratio
1.00▼
2024 · 1.04
Quick ratio
0.22▼
2024 · 0.47
Debt / equity
14.02▲
2024 · 9.92
ROE
-66.9%▼
2024 · 53.2%
ROA
-4.5%▼
2024 · 4.9%
Interest coverage
0.74▼
2024 · 3.64
Debt
€393k▼
2024 · €464k
Debt ≤ 1 year
€374k▼
2024 · €435k
Staff costs
€509k▲
2024 · €418k
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€511k€421k▼
Formation expenses20€44k€36k▼
Fixed assets21/28€12k€13k▲
Tangible fixed assets22/27€12k€13k▲
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€3k€5k▲
Financial fixed assets28€425€425=
Current assets29/58€454k€372k▼
Stocks and contracts in progress3€250k€288k▲
Stocks30/36€250k€288k▲
Amounts receivable within one year40/41€33k€40k▲
Trade receivables40€6k€18k▲
Other amounts receivable41€28k€23k▼
Cash at bank and in hand54/58€115k€25k▼
Deferred charges and accrued income490/1€56k€18k▼
Equity and liabilities
Total equity and liabilities10/49€511k€421k▼
Equity10/15€47k€28k▼
Contributions10/11€40k€40k=
Outside capital11€40k€40k=
Other1109/19€40k€40k=
Reserves13€7k€7k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-518€-19k▼
Amounts payable17/49€464k€393k▼
Amounts payable within one year42/48€435k€374k▼
Trade debts44€380k€294k▼
Suppliers440/4€380k€294k▼
Taxes, remuneration and social security45€55k€80k▲
Taxes450/3€9k€12k▲
Remuneration and social security454/9€46k€67k▲
Accrued charges and deferred income492/3€29k€19k▼
Income statement
Code20242025
Remuneration, social security and pensions62€418k€509k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€14k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€150€447▲
Gross operating margin9900€486k€529k▲
Operating profit (loss)9901€51k€5k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€19k€26k▲
Recurring financial charges65€18k€25k▲
Non-recurring financial charges66B€450€116▼
Profit (loss) for the period before taxes9903€34k€-19k▼
Income taxes67/77€9k-
Profit (loss) for the period9904€25k€-19k▼
Profit (loss) for the period to be appropriated9905€25k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-518€-19k▼
Profit (loss) brought forward from the previous period14P€-25k€-518▲
Social balance
Average headcount (FTE)908718.721.9▲
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
Next filing, fiscal year 2026, expected by
2026
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 29 days late
2025
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 6 days late
2023
30-09
Financial
Back to profitnet €78k
Net result €78k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
30-09
Financial
Weakest financial yearnet €-88k ▼3137%
Net result drops to €-88k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
16-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 169 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, La Louvière · 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.
Rue Albert 1,Roi des Belges(L.L) 217100 La LouvièreGround area
3,588 m²
Building footprint
2,013 m²
Volume, LiDAR
9,721 m³
Parcel 55372D0044/00R024, Wallonia · tallest building 13.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Carrefour Market
since 20182.275.446.289
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372D0044/00R024 | Wallonia | 3,588 m² | 1 · 2,013 m² | 13.0 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLa Louvière2.275.446.289
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Of 10,524 companies in sector 47110 we hold annual accounts for 5,859. 4,385 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2018
Fiscal year end30-09
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
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.