F-INVEST
ActiveF-INVEST has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €14k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 69% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+2
Solvency98▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.64 in 2024; short-term debt: 27.2% and cash: 0.8% of total assets), and 27.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.8%
Return on assets
5.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
17 d early
2024
22 d late
2023
7 d early
2022
33 d early
2021
22 d late
2020
36 d early
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€190k▲ 7.9%
2024 · €176k
2018: €71k
2019: €89k
2020: €114k
2021: €135k
2022: €151k
2023: €163k
2024: €176k
2018 → 2025
Total assets
€261k▼ 5.0%
2024 · €275k
2018: €285k
2019: €295k
2020: €324k
2021: €333k
2022: €354k
2023: €368k
2024: €275k
2018 → 2025
Net result
€14k▲ 6.5%
2024 · €13k
2018: €23k
2019: €18k
2020: €25k
2021: €21k
2022: €15k
2023: €13k
2024: €13k
2018 → 2025
Working capital
€-22k▲ 39.2%
2024 · €-35k
2018: €-141k
2019: €-123k
2020: €-98k
2021: €-76k
2022: €-61k
2023: €-49k
2024: €-35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€135k-€151k▲ 11.2%€163k▲ 8.5%€176k▲ 8.0%€190k▲ 7.9%
Operating result€31k-€22k▼ 27.9%€19k▼ 12.5%€19k▼ 1.6%€19k▲ 1.5%
Net result€21k-€15k▼ 28.6%€13k▼ 15.3%€13k▲ 1.9%€14k▲ 6.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€212k=
Current assets
€50k▼ 21.6%
Equity and liabilities €261k
Equity
€190k▲ 7.9%
Debt
€71k▼ 27.9%
The debt ratio falls from 35.9% to 27.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
72.8%▲
2024 · 64.1%
Current ratio
0.70▲
2024 · 0.64
Quick ratio
0.70▲
2024 · 0.64
Debt / equity
0.37▼
2024 · 0.56
ROE
7.3%▼
2024 · 7.4%
ROA
5.3%▲
2024 · 4.7%
Debt
€71k▼
2024 · €99k
Debt ≤ 1 year
€71k▼
2024 · €99k
Income taxes
€5k▲
2024 · €4k
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€275k€261k▼
Fixed assets21/28€212k€212k=
Tangible fixed assets22/27€212k€212k=
Land and buildings22€212k€212k=
Current assets29/58€63k€50k▼
Amounts receivable within one year40/41€61k€47k▼
Trade receivables40€61k€47k▼
Other amounts receivable41€648€0▼
Cash at bank and in hand54/58€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€275k€261k▼
Equity10/15€176k€190k▲
Contributions10/11€22k€22k=
Reserves13€154k€168k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€0▼
Other1319-€2k
Distributable reserves133€152k€166k▲
Amounts payable17/49€99k€71k▼
Amounts payable within one year42/48€99k€71k▼
Trade debts44€8€0▼
Suppliers440/4€8€0▼
Advances received on contracts in progress46€43k€12k▼
Taxes, remuneration and social security45€6k€10k▲
Taxes450/3€6k€10k▲
Other amounts payable47/48€49k€50k▲
Income statement
Code20242025
Other operating charges640/8€126€128▲
Gross operating margin9900€19k€20k▲
Operating profit (loss)9901€19k€19k▲
Financial charges65/66B€2k€856▼
Recurring financial charges65€2k€856▼
Profit (loss) for the period before taxes9903€17k€19k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€13k€14k▲
Profit (loss) for the period to be appropriated9905€13k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€14k▲
Transfer to equity691/2€13k€14k▲
To other reserves6921€13k€14k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (15 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €13k ▼15.3%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150kEq €151k ▲11.2%
5 profitable years in a row build equity to €151k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €25k ▲43.2%
Net result €25k, the highest in the series.
31-12
Financial
Equity above €100kEq €114k ▲28.4%
3 profitable years in a row build equity to €114k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 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, Waregem · 1 establishment unit since 2017
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.
Lindestraat 978790 WaregemGround area
6,425 m²
Building footprint
1,675 m²
Volume, LiDAR
14,570 m³
Parcel 34040C0001/00R000, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
F-INVEST
since 20172.265.902.083
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34040C0001/00R000 | Flanders | 6,425 m² | 1 · 1,675 m² | 13.2 m · 3 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.
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VVR Invest
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KH SALES
BE 0673.628.376
Bilzen-Hoeselt · Eq €190k
OPV CONSULT
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,187 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-06-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.