Summary
INTERSTATE INVEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €152k and a net result of €2k. Equity is growing by ~42.7% per year across the filed fiscal years. Its solvency ranks better than 7% of 98 sector peers (fiscal year 2026). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 98 sector peers (2026).
NBB · sector comparisonPosition among 98 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 09-09-2026, 52 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2026
52 d early
2025
49 d early
2024
35 d early
2023
144 d early
2022
41 d early
2021
32 d early
2019
44 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€152k▲ 1.4%
2025 · €150k
2019: €9k
2021: €40k
2022: €57k
2023: €103k
2024: €146k
2025: €150k
2019 → 2026
Net result
€2k▼ 38.5%
2025 · €3k
2019: €3k
2021: €32k
2022: €18k
2023: €34k
2024: €43k
2025: €3k
2019 → 2026
Total assets
€3.17M▲ 25.3%
2025 · €2.53M
2019: €25k
2021: €409k
2022: €422k
2023: €479k
2024: €512k
2025: €2.53M
2019 → 2026
Solvency
4.8%▼ 1.1pp
2025 · 5.9%
2019: 35.3%
2021: 9.7%
2022: 13.4%
2023: 21.6%
2024: 28.6%
2025: 5.9%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€57k-€103k▲ 82.9%€146k▲ 41.3%€150k▲ 2.2%€152k▲ 1.4%
Operating result€29k-€57k▲ 98.0%€65k▲ 13.2%€72k▲ 10.7%€76k▲ 5.6%
Net result€18k-€34k▲ 94.4%€43k▲ 24.0%€3k▼ 92.3%€2k▼ 38.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2026 is 6% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €3.17M
Fixed assets
€3.08M ▲ 25.7%
Current assets
€82k ▲ 10.8%
Equity and liabilities €3.17M
Equity
€152k ▲ 1.4%
Debt
€3.02M ▲ 26.8%
Debt's share of the balance-sheet total rises from 94.1% to 95.2%. Equity and debt are higher.
Key figures and ratios
ROE
1.3%▼
2025 · 2.2%
ROA
0.1%▼
2025 · 0.1%
Debt ≤ 1 year
€153k▲
2025 · €137k
Debt > 1 year
€2.86M▲
2025 · €2.24M
Income taxes
€3k▲
2025 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 48 lines
Balance sheet
Code20252026
Assets
Total assets20/58€2.53M€3.17M▲
Fixed assets21/28€2.45M€3.08M▲
Tangible fixed assets22/27€2.44M€3.07M▲
Land and buildings22€2.42M€3.02M▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24-€2k
Other tangible fixed assets26€12k€47k▲
Financial fixed assets28€15k€15k=
Current assets29/58€74k€82k▲
Amounts receivable within one year40/41€47k€64k▲
Trade receivables40€42k€25k▼
Other amounts receivable41€5k€39k▲
Cash at bank and in hand54/58€25k€16k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.53M€3.17M▲
Equity10/15€150k€152k▲
Contributions10/11€19k€19k=
Reserves13€131k€133k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€129k€131k▲
Amounts payable17/49€2.38M€3.02M▲
Amounts payable after more than one year17€2.24M€2.86M▲
Financial debts170/4€1.79M€2.13M▲
Other amounts payable178/9€448k€728k▲
Amounts payable within one year42/48€137k€153k▲
Current portion of amounts payable after more than one year42€85k€104k▲
Trade debts44€848€46k▲
Suppliers440/4€848€46k▲
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€11k€3k▼
Other amounts payable47/48€40k-
Accrued charges and deferred income492/3€5k€3k▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€83k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€145k€163k▲
Operating profit (loss)9901€72k€76k▲
Financial income75/76B€2k€11k▲
Recurring financial income75€2k€11k▲
Financial charges65/66B€69k€82k▲
Recurring financial charges65€69k€82k▲
Profit (loss) for the period before taxes9903€5k€5k▼
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€3k€2k▼
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€2k▼
Transfer to equity691/2€3k€2k▼
To other reserves6921€3k€2k▼
The notes to these accounts (16 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 2027, expected by
2026
09-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-03
Financial
Weakest financial yearnet €2k ▼38.5%
Net result drops to €2k, the lowest in the series.
31-03
Financial
Equity above €150kEq €152k ▲1.4%
7 profitable years in a row build equity to €152k.
2025
12-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Highest result since 2019net €43k ▲24%
Net result €43k, the highest in the series.
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Liquidity times 40current ratio 2.09
Current ratio from 0.05 to 2.09; short-term debt falls from €52k to €33k.
31-03
Financial
Equity above €100kEq €103k ▲82.9%
4 profitable years in a row build equity to €103k.
2022
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Oudenaarde · 1 establishment unit since 2018
Ground area
8,006 m²
Building footprint
2,238 m²
Parcel 45023A1469/00F000, Flanders. Linked by address, not a title deed.
44
companies at this address
See who is registered here
1 establishment unit
INTERSTATE INVEST
since 20182.273.029.704
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45023A1469/00F000 | Flanders | 8,006 m² | 1 · 2,238 m² | - |
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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KENSULT
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KUVARO
BE 0661.625.221
Schilde · Eq €151,485
WORK WELL
BE 0801.474.970
Oudenaarde · Eq €151,475
Of 24,727 companies in sector 64210 we hold annual accounts for 19,764. 13,247 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2018
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.