INVECTO
ActiveINVECTO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €254k and a net result of €109k. Equity is growing by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 65% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+3
Solvency95▼-5
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 3.18 against 6.11 in 2024; short-term debt: 29.6% and cash: 36.4% of total assets), and 29.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.4%
Return on assets
30.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
7 d late
2024
on the day
2023
5 d late
2022
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€254k=
2024 · €254k
2022: €57k
2023: €187k
2024: €254k
2022 → 2025
Total assets
€361k▲ 20.3%
2024 · €300k
2022: €103k
2023: €259k
2024: €300k
2022 → 2025
Net result
€109k▲ 62.6%
2024 · €67k
2022: €55k
2023: €129k
2024: €67k
2022 → 2025
Working capital
€233k▼ 1.1%
2024 · €236k
2022: €52k
2023: €182k
2024: €236k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€57k-€187k▲ 225%€254k▲ 36.0%€254k=
Operating result€76k-€185k▲ 143%€91k▼ 51.1%€146k▲ 60.9%
Net result€55k-€129k▲ 133%€67k▼ 48.0%€109k▲ 62.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 61% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €361k
Fixed assets
€21k▲ 13.9%
Current assets
€340k▲ 20.7%
Equity and liabilities €361k
Equity
€254k=
Debt
€107k▲ 132%
The debt ratio rises from 15.4% to 29.6%. Debt is higher.
Key figures and ratios
EBITDA
€146k▲
2024 · €91k
Cash flow
€110k▲
2024 · €68k
Solvency
70.4%▼
2024 · 84.6%
Current ratio
3.18▼
2024 · 6.11
Quick ratio
3.18▼
2024 · 6.11
Debt / equity
0.42▲
2024 · 0.18
ROE
43.0%▲
2024 · 26.5%
ROA
30.3%▲
2024 · 22.4%
Interest coverage
62.36▲
2024 · 30.25
Debt
€107k▲
2024 · €46k
Debt ≤ 1 year
€107k▲
2024 · €46k
Income taxes
€41k▲
2024 · €25k
Staff costs
€34
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€300k€361k▲
Fixed assets21/28€18k€21k▲
Tangible fixed assets22/27€4k€7k▲
Plant, machinery and equipment23€4k€7k▲
Financial fixed assets28€14k€14k=
Current assets29/58€282k€340k▲
Amounts receivable after more than one year29€119k€156k▲
Other amounts receivable291€119k€156k▲
Amounts receivable within one year40/41€46k€49k▲
Trade receivables40€46k€49k▲
Other amounts receivable41€377-
Cash at bank and in hand54/58€113k€131k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€300k€361k▲
Equity10/15€254k€254k=
Contributions10/11€2k€2k=
Reserves13€252k€252k=
Distributable reserves133€252k€252k=
Amounts payable17/49€46k€107k▲
Amounts payable within one year42/48€46k€107k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€40k€69k▲
Taxes450/3€40k€69k▲
Other amounts payable47/48-€31k
Income statement
Code20242025
Remuneration, social security and pensions62-€34
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€518€518=
Other operating charges640/8€614€962▲
Gross operating margin9900€92k€147k▲
Operating profit (loss)9901€91k€146k▲
Financial income75/76B€5k€7k▲
Recurring financial income75€5k€7k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€93k€150k▲
Income taxes67/77€25k€41k▲
Profit (loss) for the period9904€67k€109k▲
Profit (loss) for the period to be appropriated9905€67k€109k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€109k▲
Transfer to equity691/2€67k-
To other reserves6921€67k-
Profit to be distributed694/7-€109k
Return on contributions (dividend)694-€109k
The notes to these accounts (6 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 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €254k ▲36%
3 profitable years in a row build equity to €254k.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Highest result since 2022net €129k ▲133%
Operating result €185k, net result €129k, both a record.
31-12
Financial
Equity above €150kEq €187k ▲225%
2 profitable years in a row build equity to €187k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tervuren · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Sterrebeeklaan 113080 TervurenGround area
906 m²
Building footprint
132 m²
Volume, LiDAR
789 m³
Parcel 24104B0057/00L000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INVECTO
since 20222.329.158.357
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24104B0057/00L000 | Flanders | 906 m² | 1 · 132 m² | 8.9 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 509 EUR awarded · 509 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 509 EUR | 509 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
6994006KKBRQC4KBCD54
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 38,858 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.