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INTERVEST GEMBLOUX

Active
Public limited companyfounded 20214 yrs activeRoderveldlaan 3, 2600 Antwerpen, BelgiumKBO/BCE: BE 0778.449.645
Summary

The annual accounts of INTERVEST GEMBLOUX for fiscal year 2025 show a net loss of 127% of the equity at the start of that year. The 2025 annual accounts show equity of €3.0m and a net result of -€761,590. Equity is growing by ~235.1% per year across the filed fiscal years. Its solvency ranks better than 48% of 9436 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability12▼-30
Solvency54▲+23
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.78 against 0.03 in 2024; short-term debt: 0.7% and cash: 0.5% of total assets), but 71% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
29%
Return on assets
-7.3%
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 05-05-2026, 87 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
87 d early
2024
38 d early
2023
6 d early
2022
48 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 45 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 18 June (3 of the last 4 filed years within 38 days of that day).
Companies Code · seven months
Position in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 9 December 2021, INTERVEST GEMBLOUX was incorporated as a Public limited company.1 Total assets went from EUR 12 million in 2022 to EUR 11 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, abbreviated schema

Turnover
€34,148
EBIT margin
55.2%
Net result
-€761,590
2024 · €278,536
Working capital
€196,882
2024 · -€8.8m
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Turnover€34,148-
Operating result€18,860-€929,550▲ 4,829%€880,263▼ 5.3%-€225,937
Net result€1,540within the sector's middle half-€255,770above the sector's middle half▲ 16,512%€278,536above the sector's middle half▲ 8.9%-€761,590below the sector's middle half
EBIT margin55.2%-
Equity€63,040below the sector's middle half-€318,810within the sector's middle half▲ 406%€597,345within the sector's middle half▲ 87.4%€3.0mabove the sector's middle half▲ 408%
Total assets€11.6mabove the sector's middle half-€11.1mabove the sector's middle half▼ 4.4%€10.1mabove the sector's middle half▼ 9.3%€10.5mabove the sector's middle half▲ 3.7%
Debt€11.6m-€10.8m▼ 6.6%€9.5m▼ 12.2%€7.4m▼ 21.8%
Working capital-€8.7mbelow the sector's middle half--€9.0mbelow the sector's middle half▼ 3.5%-€8.8mbelow the sector's middle half▲ 2.4%€196,882within the sector's middle half
Solvency0.5%below the sector's middle half-2.9%below the sector's middle half▲ 2.3pp5.9%below the sector's middle half▲ 3.1pp29.0%within the sector's middle half▲ 23.1pp
Current ratio0.11below the sector's middle half-0.09below the sector's middle half▼ 0.010.03below the sector's middle half▼ 0.063.78above the sector's middle half▲ 3.75
Return on assets (ROA)0.0%within the sector's middle half-2.3%within the sector's middle half▲ 2.3pp2.8%within the sector's middle half▲ 0.5pp-7.3%below the sector's middle half▼ 10.0pp
above within below the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
-€1.0m-€500,000€0€500,000€1.0mOperating result 2022: €18,860€18,860Net result 2022: €1,540€1,540Operating result 2023: €929,550€929,550Net result 2023: €255,770€255,770Operating result 2024: €880,263€880,263Net result 2024: €278,536€278,536Operating result 2025: -€225,937-€225,937Net result 2025: -€761,590-€761,5902022202320242025-€1m-€500,000€0€500,000€1mOperating result 2023: €929,550€930,000Net result 2023: €255,770€256,000Operating result 2024: €880,263€880,000Net result 2024: €278,536€279,000Operating result 2025: -€225,937-€226,000Net result 2025: -€761,590-€762,000202320242025
The operating result turns negative in 2025: a loss of €225,937 after €880,263 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.4m
Fixed assets €10.2m ▲ 4.3%
Current assets €267,672 ▼ 16.0%
Equity and liabilities €10.5m
Equity €3.0m ▲ 408%
Debt €7.4m ▼ 21.8%
Debt's share of the balance-sheet total falls from 94.1% to 71.0%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€171,782▼
2024 · €1.3m
Cash flow
-€363,870▼
2024 · €715,460
Debt to equity
2.44▼
2024 · 15.88
ROE
-25.1%▼
2024 · 46.6%
Interest coverage
0.32▼
2024 · 2.41
Debt ≤ 1 year
€70,790▼
2024 · €9.1m
Debt > 1 year
€7.3m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 617 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.

  • Medium-sized
  • solvency 10 to 30%
  • a small loss
  • without age
0.6% went bankrupt
2.4% stopped otherwise
97% still going

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 617 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet Code20242025
Assets
Total assets20/58€10.1m€10.5m▲
Formation expenses20-€7,865
Fixed assets21/28€9.8m€10.2m▲
Tangible fixed assets22/27€9.8m€10.2m▲
Land and buildings22€3.6m€9.6m▲
Plant, machinery and equipment23€357,296€264,870▼
Leasing and similar rights25€5.8m-
Assets under construction and advance payments27€20,850€335,531▲
Current assets29/58€318,586€267,672▼
Amounts receivable within one year40/41€257,111€110,407▼
Trade receivables40€80,892€110,407▲
Other amounts receivable41€176,219-
Cash at bank and in hand54/58€61,475€49,168▼
Deferred charges and accrued income490/1-€108,097
Equity and liabilities
Total equity and liabilities10/49€10.1m€10.5m▲
Equity10/15€597,345€3.0m▲
Contributions10/11€61,500€3.3m▲
Capital10€61,500€3.3m▲
Issued capital100€61,500€3.3m▲
Reserves13€6,150€6,150=
Non-distributable reserves130/1€6,150€6,150=
Legal reserve130€6,150€6,150=
Profit (loss) carried forward14€529,695-€231,894▼
Amounts payable17/49€9.5m€7.4m▼
Amounts payable after more than one year17-€7.3m
Financial debts170/4-€7.3m
Amounts payable within one year42/48€9.1m€70,790▼
Current portion of amounts payable after more than one year42€488,143-
Trade debts44€102,064€62,819▼
Suppliers440/4€102,064€62,819▼
Taxes, remuneration and social security45€3,596€7,972▲
Taxes450/3€3,596€7,972▲
Other amounts payable47/48€8.5m€0▼
Accrued charges and deferred income492/3€374,568€64,470▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€436,924€397,719▼
Other operating charges640/8€41,064€1,304▼
Gross operating margin9900€1.4m€173,086▼
Operating profit (loss)9901€880,263-€225,937▼
Financial charges65/66B€547,068€535,652▼
Recurring financial charges65€547,068€535,652▼
Profit (loss) for the period before taxes9903€333,195-€761,590▼
Income taxes67/77€54,660-
Profit (loss) for the period9904€278,536-€761,590▼
Profit (loss) for the period to be appropriated9905€278,536-€761,590▼
Appropriation of the result
Profit (loss) to be appropriated9906€529,695-€231,894▼
Profit (loss) brought forward from the previous period14P€251,160€529,695▲

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Turnover70€34,148----
Goods, raw materials, services and sundry goods60/61€4,534----
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,692€435,165€436,924€397,719▼ 9.0%
Other operating charges640/8€62€38,537€41,064€1,304▼ 96.8%
Gross operating margin9900€29,614€1.4m€1.4m€173,086▼ 87.3%
Operating profit (loss)9901€18,860€929,550€880,263-€225,937▼ 126%
Financial income75/76B-€0---
Recurring financial income75-€0---
Financial charges65/66B€16,820€549,643€547,068€535,652▼ 2.1%
Recurring financial charges65€16,820€549,643€547,068€535,652▼ 2.1%
Profit (loss) for the period before taxes9903€2,040€379,907€333,195-€761,590▼ 329%
Income taxes67/77€500€124,137€54,660--
Profit (loss) for the period9904€1,540€255,770€278,536-€761,590▼ 373%
Profit (loss) for the period to be appropriated9905€1,540€255,770€278,536-€761,590▼ 373%
Line2022202320242025Change
Assets
Total assets20/58€11.6m€11.1m€10.1m€10.5m▲ 3.7%
Formation expenses20---€7,865-
Fixed assets21/28€10.6m€10.2m€9.8m€10.2m▲ 4.3%
Tangible fixed assets22/27€10.6m€10.2m€9.8m€10.2m▲ 4.3%
Land and buildings22€3.6m€3.6m€3.6m€9.6m▲ 165%
Plant, machinery and equipment23€566,155€473,207€357,296€264,870▼ 25.9%
Leasing and similar rights25€6.4m€6.1m€5.8m--
Assets under construction and advance payments27--€20,850€335,531▲ 1,509%
Current assets29/58€1.0m€941,084€318,586€267,672▼ 16.0%
Amounts receivable within one year40/41€966,038€145,185€257,111€110,407▼ 57.1%
Trade receivables40€739,943€0€80,892€110,407▲ 36.5%
Other amounts receivable41€226,094€145,185€176,219--
Cash at bank and in hand54/58€52,995€784,987€61,475€49,168▼ 20.0%
Deferred charges and accrued income490/1€21,303€10,913-€108,097-
Equity and liabilities
Total equity and liabilities10/49€11.6m€11.1m€10.1m€10.5m▲ 3.7%
Equity10/15€63,040€318,810€597,345€3.0m▲ 408%
Contributions10/11€61,500€61,500€61,500€3.3m▲ 5,203%
Capital10€61,500€61,500€61,500€3.3m▲ 5,203%
Issued capital100€61,500€61,500€61,500€3.3m▲ 5,203%
Reserves13€77€6,150€6,150€6,150=
Non-distributable reserves130/1€77€6,150€6,150€6,150=
Legal reserve130€77€6,150€6,150€6,150=
Profit (loss) carried forward14€1,463€251,160€529,695-€231,894▼ 144%
Amounts payable17/49€11.6m€10.8m€9.5m€7.4m▼ 21.8%
Amounts payable after more than one year17€1.8m€488,143-€7.3m-
Financial debts170/4€1.8m€488,143-€7.3m-
Amounts payable within one year42/48€9.7m€9.9m€9.1m€70,790▼ 99.2%
Current portion of amounts payable after more than one year42€1.3m€1.7m€488,143--
Trade debts44€918,504€93,678€102,064€62,819▼ 38.5%
Suppliers440/4€918,504€93,678€102,064€62,819▼ 38.5%
Taxes, remuneration and social security45€500€24,637€3,596€7,972▲ 122%
Taxes450/3€500€24,637€3,596€7,972▲ 122%
Other amounts payable47/48€7.5m€8.2m€8.5m€0▼ 100.0%
Accrued charges and deferred income492/3-€366,257€374,568€64,470▼ 82.8%
Line2022202320242025Change
Profit (loss) for the period9904€1,540€255,770€278,536-€761,590▼ 373%
+ Depreciation and write-downs630€10,692€435,165€436,924€397,719▼ 9.0%
Operating cash flow (approximation)€12,232€690,935€715,460-€363,870▼ 151%
Investment in fixed assets (approximation)--€21,104-€20,850-€813,364▼ 3,801%
Change in cash-€731,991-€723,512-€12,307▲ 98.3%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
05-05
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Weakest financial yearnet -€761,590
Net result drops to -€761,590, the lowest in the series.
31-12
Financial Liquidity times 108current ratio 3.78
Current ratio from 0.03 to 3.78; short-term debt falls from €9.1m to €70,790.
31-12
Financial Equity above €2mEq €3.0m ▲408%
Equity rises from €597,345 to €3.0m.
23-06
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial Highest result since 2022net €278,536 ▲8.9%
Net result €278,536, the highest in the series.
31-12
Financial Equity above €500,000Eq €597,345 ▲87.4%
3 profitable years in a row build equity to €597,345.
25-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Equity above €200,000Eq €318,810 ▲406%
2 profitable years in a row build equity to €318,810.
13-06
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts

We know of 9 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
No directors read yet: 0 of 9 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
1.0 ha
Building footprint
1,240 m²
Volume, LiDAR
22,257 m³
Parcel 11003A0289/00S000, Flanders · tallest building 23.3 m, ±6 floors. Linked by address, not a title deed.
19 companies at this address See who is registered here
1 establishment unit
Intervest Gembloux
Roderveldlaan 3, 2600 AntwerpenReal estate development
since 20212.325.175.320
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11003A0289/00S000 Flanders 1.0 ha 1 · 1,240 m² 23.3 m · 6 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. INTERVEST 100%
  2. INTERVEST GEMBLOUX

Highest known parent: INTERVEST. The sources do not say who stands above it.

Owners 1

Holdings 0

The accounts to 31-12-2025 list no holdings, and no other source names one.

According to the 2025 annual accounts of INTERVEST GEMBLOUX and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 9,695 companies in this sector we hold annual accounts for 7,393. 2,424 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPublic limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
E-invoicing
Reachable via Peppol
Peppol ID 0208:0778449645
Registered 29-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.