Skip to content

GESPA INVEST

Active
Private limited companyfounded 1990active for 35 yearsRue de Lantin 155B, 4000 Liège, BelgiumKBO/BCE: BE 0442.866.465
Summary

GESPA INVEST has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.0m and a net result of -€25,536. Equity has been growing by about 3.2% per year since 2018. The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 12-12-1990 Normal situation
Activity
No activity registered in the KBO
Establishment unit
2.053.465.254 4000 Liège, since 05-07-1991
Financial year end
31 December
Peppol
Reachable since 09-12-2025

Board and ownership

Shareholders
  • Didier ZOVIannual accounts 2023
  • AUGEO· score 882025 annual accounts of AUGEO

Financial position

91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€157,022
▼ 31.3%
Turnover
≈ €390,000
estimated
Loss
€25,536
▼ 40.1%
Equity
€1.0m
▼ 2.4%
Total assets
€2.6m
▼ 6.0%
  • 2025 accounts filed 11 days after the deadline
Score breakdownraises riskLiquidity: current ratio 0.74, cash €8,741No main activity registeredlowers riskSize: total assets €2.6mFounded in 1990Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 42% of small companies without a NACE code
Financial strength · tick: 2024
Average
Solvency 65+1
equity 40.1% of total assets
Liquidity 44=
short-term debt 20.3% · cash 0.3%
Profitability 68+1
return on assets -1.0%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024lowest value 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.2%▲ +0.1 percentage points vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.3%▲ +0.1 percentage points vs 04-2026 06-2026: 0.2%▼ -0.1 percentage points vs 05-2026 07-2026: 0.3%▲ +0.1 percentage points vs 06-2026 08-2026: 0.7%▲ +0.4 percentage points vs 07-2026highest value 09-2026: 0.1%▼ -0.6 percentage points vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €90,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.74 (0.77 in 2024), below 1. Short-term debt is 20.3% and cash 0.3% of total assets. 59.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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, small). It does better than 40% of them on solvency, 32% on liquidity, 68% on profitability and 29% on growth.

The bankruptcy probability was computed on 03-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €2.6m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.74, cash €8,741
NBB · annual accounts
raises risk · No main activity registered
KBO
lowers risk · Founded in 1990
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€25,536
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
11 days late
2024
29 days early
2023
7 days early
2022
34 days early
2021
33 days early
2020
31 days early
2019
31 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 7 accounts on average 22 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€25,536 View

Recent changes

  1. · Gazette deed Reappointment: Didier Pierre Bruno ZOVI (director)
  2. · Gazette deed Incorporation
All 15 events

Key facts about GESPA INVEST

What is the company number of GESPA INVEST?
The company number of GESPA INVEST is 0442.866.465. The VAT number is the same number with BE in front: BE 0442.866.465.
Where is GESPA INVEST based?
The registered office is at Rue de Lantin 155B, 4000 Liège.Company details
What is the legal form of GESPA INVEST?
The legal form of GESPA INVEST is Private limited company (BV).
When was GESPA INVEST founded?
GESPA INVEST was founded on 12-12-1990.
Is GESPA INVEST still active?
Yes, GESPA INVEST is an active enterprise in the KBO register.
How many employees does GESPA INVEST have?
GESPA INVEST had an average of 2.6 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
What is the turnover of GESPA INVEST?
The turnover in financial year 2025 is ≈ €390,000. This figure is estimated from the gross margin of €157,022 and 2,215 comparable companies of the same size. It probably lies between €260,000 and €610,000. It is a rough estimate.
Is GESPA INVEST profitable?
In financial year 2025, GESPA INVEST made a loss of €25,536.
Where can I find the annual accounts of GESPA INVEST?
GESPA INVEST filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of GESPA INVEST due?
GESPA INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.