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Complete company report
Generated 03-09-2026
Active BE 0722.545.377Public limited company

H2O Invest

Krijgsbaan 372 ·2070 Beveren-Kruibeke-Zwijndrecht, Belgium· 7 yrs active
Sector: Activiteiten van holdings (64210)
Conclusion Checked

H2O Invest is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €12.35M and a net result of €356k. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €12.35M
Net result €356k
Staff (FTE) 17.1
Active 7 yrs
Financial profile 3 of 5 axes measured · computed by Checked
Health-Profitability71Solvency84Growth-Stability85
80 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 71
Solvency 84
Growth -
Stability 85
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview7 NBB filings
Annual accounts filed on 22-04-2026 with the NBB · fiscal year 2025 · full schema
Fiscal year2025
Depositfull schema
Revenuen/a
EBITDAn/a
Net profit€356k
Cash flown/a
Staff costs€1.82M
Income taxes€136k
Dividends-
Total assets€18.16M
Equity€12.35M
Debt€5.81M
of which ≤ 1y€1.85M
of which > 1y€2.69M
Working capitaln/a
Employees (FTE)17.1
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency68.0%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA2.0%
ROE2.9%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€18.16M
Fixed assets 21/28€15.77M
Tangible fixed assets 22/27€1k
Financial fixed assets 28€15.77M
Current assets 29/58€2.40M
Stocks & contracts in progress 3€0
Amounts receivable within one year 40/41€2.32M
Cash & bank 54/58€71k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€18.16M
Equity 10/15€12.35M
Contributions / capital 10/11€400k
Reserves 13€11.95M
Amounts payable 17/49€5.81M
Amounts payable after one year 17€2.69M
Amounts payable within one year 42/48€1.85M
Trade debts payable within one year 44€504k
Income statement
Turnover 70€1.15M
Operating result 9901€738k
Financial income 75€30k
Financial charges 65€276k
Result before taxes 9903€492k
Income taxes 67/77€136k
Net result for the period 9904€356k
Result to be appropriated 9905€293k
Ratios computed by Checked.
Directors & mandates 1 directors
Current directors & mandates
  • BV RSM INTERAUDITLegal entity
    Director· perm. rep.: Sébastien Deckers
    State Gazette act 25071940 (06-06-2025)
    Current
    06-06-2025 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van holdings(64210)
Legal form Public limited company(014)
Incorporation08-03-2019
StatusActive
Postal code2070
Connections & network 2 connected companies
Group structure
HYE N.V.
We sit on their board · 1 location
→
NAVITEC
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control 2 parties
H2O InvestBE 0722.545.377
controls
Where this company holds controlthis company sits on their board2
HYE N.V.
1 location
NAVITEC
1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Establishment units 1 location
H2O Invest nv
Krijgsbaan 372, 2070 Beveren-Kruibeke-ZwijndrechtOp lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven die in meerderheid tot de financiële sector behoren
since 20192.286.540.913
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11011D0016/00T000 Flanders 9,549 m² 1 · 604 m² 18.4 m · 5 fl.
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.
Updates 8 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
22-04-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
06-06-2025
State Gazette act Director changes
09-04-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
12-04-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
21-04-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2022
20-04-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
19-04-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
23-04-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
Belgian State Gazette reading coverage 0 of 7 acts read

We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
06-06-2025 Sébastien Deckers appointed as director Director changes
  • Sébastien Deckers, Bestuurder
Technical details 
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      "role": "bestuurder",
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        "profession": "bedrijfsrevisor",
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      },
      "reason": null,
      "subkind": "renewal",
      "via_org": {
        "kbo": null,
        "name": "BV RSM INTERAUDIT",
        "address": "Posthofbrug 10/4 2600 Berchem",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Uit de notulen van de algemene vergadering van 28 maart 2025 blijkt dat de algemene vergadering op voorstel van de Raad van Bestuur, en op voordracht van de Ondernemingsraad, BV RSM INTERAUDIT, met maatschappelijke zetel te Posthofbrug 10/4 2600 Berchem, heeft benoemd voor een periode van 3 jaar.",
      "decharge_status": null,
      "mandate_duration": {
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      },
      "rep_rotation_new_rep": null,
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    },
    {
      "kind": "decharge_granted",
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      "person": {
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      },
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      "via_org": {
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      },
      "statutory": "statutair",
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      "decharge_status": "granted",
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      "rep_rotation_old_rep": null,
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    },
    {
      "kind": "decharge_granted",
      "role": "vaste_vertegenwoordiger",
      "person": {
        "rrn": null,
        "name": "Kurt Vernimmen",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": null,
        "name": "VEFO BV",
        "address": null,
        "country": null,
        "legal_form": "BV"
      },
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-06-06",
    "filing_date": "2025-05-28",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2025-03-28",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0722.545.377",
    "name_full": "H20 Invest",
    "legal_form": "NV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Kurt Vernimmen",
    "org_rep_person_name": null,
    "person_role_at_subject": "Vaste vertegenwoordiger"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL H2O Invest
Registered office
Krijgsbaan 372
2070 Beveren-Kruibeke-Zwijndrecht, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative