Financials
- Financial year
- 2025
- Total assets
- €24,515
- Profit
- €8,745
- Solvency
- 45.9%
FRED INVEST
ActiveSummary
FRED INVEST has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11,245 and a net result of €8,745. The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Activity
“Het beroep van verzekeraar uitoefenen,zowel als bemiddelaar,als agent of als tussenpersoon,met betrekking tot levensverzekeringen,ongevallen-…” (deed in Dutch)
From the articles, 6 activitiesNo NACE code in the KBO yet1 site
Size
€24,515total assets 2025
- Equity
- €11,245
- Profit
- €8,745
Turnover not published (micro format)
Structure
Accounts 4 days early
Why 69raises riskFounded in 2025No main activity registeredlowers riskLiquidity: current ratio 1.85, cash €11,004Size: total assets €24,515Show the evidence
Checked score
Score 2025
69
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 66% of its sector peers (no NACE code, micro)
Financial strength
Strong
Solvency
71
equity 45.9% of total assets
Liquidity
72
short-term debt 54.1% · cash 44.9%
Profitability
100
return on assets 35.7%
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2026: 2.4%highest value
08-2026: 0.8%▼ -1.6 percentage points vs 07-2026lowest value
09-2026: 0.8%● unchanged vs 08-2026lowest value
10-2026: 0.8%● unchanged vs 09-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity ample (current ratio 1.85, above the usual 1.5; short-term debt: 54.1% and cash: 44.9% of total assets), but 54.1% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 42% on solvency, 68% on liquidity and 90% on profitability.
The bankruptcy probability was computed on 18-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
4 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: Offeciers Frederik (director) ·…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 11-06-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 14
- Who signs
- Each director alone
- Annual meeting
- Last Friday of June at 20:00
- Purpose
- “Het beroep van verzekeraar uitoefenen,zowel als bemiddelaar,als agent of als…” (deed in Dutch)
- Statutory auditor
- No statutory auditor
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