INVENSU
ActiveINVENSU has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €6k. Equity is shrinking by ~18.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 30% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-12
Solvency54▲+18
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 0.71 in 2024; short-term debt: 59.6% and cash: 11.7% of total assets), and 70.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
1 d early
2023
33 d late
2022
51 d late
2021
on the day
2020
59 d late
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 26.0%
2024 · €22k
2019: €87k
2020: €121k
2021: €160k
2022: €127k
2023: €100k
2024: €22k
2019 → 2025
Total assets
€95k▼ 53.7%
2024 · €205k
2019: €116k
2020: €158k
2021: €177k
2022: €188k
2023: €163k
2024: €205k
2019 → 2025
Net result
€6k▼ 82.0%
2024 · €32k
2019: €36k
2020: €34k
2021: €38k
2022: €9k
2023: €14k
2024: €32k
2019 → 2025
Working capital
€12k
2024 · €-49k
2019: €89k
2020: €113k
2021: €140k
2022: €32k
2023: €27k
2024: €-49k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€160k-€127k▼ 20.7%€100k▼ 20.9%€22k▼ 78.0%€28k▲ 26.0%
Operating result€43k-€12k▼ 71.9%€18k▲ 47.6%€44k▲ 150%€12k▼ 73.9%
Net result€38k-€9k▼ 77.1%€14k▲ 54.5%€32k▲ 136%€6k▼ 82.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 74% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€27k▼ 68.7%
Current assets
€68k▼ 42.9%
Equity and liabilities €95k
Equity
€28k▲ 26.0%
Debt
€67k▼ 63.3%
The debt ratio falls from 89.2% to 70.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €52k
Cash flow
€13k▼
2024 · €39k
Solvency
29.3%▲
2024 · 10.8%
Current ratio
1.20▲
2024 · 0.71
Quick ratio
1.20▲
2024 · 0.71
Debt / equity
2.42▼
2024 · 8.30
ROE
20.6%▼
2024 · 144.7%
ROA
6.0%▼
2024 · 15.6%
Interest coverage
6.70▼
2024 · 19.08
Debt
€67k▼
2024 · €183k
Debt ≤ 1 year
€56k▼
2024 · €168k
Debt > 1 year
€11k▼
2024 · €13k
Income taxes
€4k▼
2024 · €11k
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€205k€95k▼
Fixed assets21/28€86k€27k▼
Tangible fixed assets22/27€29k€27k▼
Furniture and vehicles24€2k€7k▲
Other tangible fixed assets26€26k€20k▼
Financial fixed assets28€57k-
Current assets29/58€119k€68k▼
Amounts receivable within one year40/41€72k€48k▼
Trade receivables40€65k€48k▼
Other amounts receivable41€7k€2▼
Cash at bank and in hand54/58€44k€11k▼
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€205k€95k▼
Equity10/15€22k€28k▲
Contributions10/11€19k€19k=
Reserves13€3k€9k▲
Distributable reserves133€3k€9k▲
Amounts payable17/49€183k€67k▼
Amounts payable after more than one year17€13k€11k▼
Financial debts170/4€13k€11k▼
Amounts payable within one year42/48€168k€56k▼
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€36k€13k▼
Suppliers440/4€36k€13k▼
Advances received on contracts in progress46€6k-
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€14k€16k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€110k€22k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Non-recurring operating income76A€621-
Remuneration, social security and pensions62€17-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€53k€21k▼
Operating profit (loss)9901€44k€12k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€43k€10k▼
Income taxes67/77€11k€4k▼
Profit (loss) for the period9904€32k€6k▼
Profit (loss) for the period to be appropriated9905€32k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€6k▼
Profit (loss) brought forward from the previous period14P€80k-
Transfer to equity691/2€2k€6k▲
To other reserves6921€2k€6k▲
Profit to be distributed694/7€110k-
Return on contributions (dividend)694€110k-
The notes to these accounts (8 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €6k ▼82%
Net result drops to €6k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €38k ▲12.1%
Net result €38k, the highest in the series.
30-06
Financial
Liquidity triplescurrent ratio 11.55
Current ratio from 4.28 to 11.55; short-term debt falls from €34k to €13k.
30-06
Financial
Equity above €150kEq €160k ▲31.5%
3 profitable years in a row build equity to €160k.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
30-06
Financial
Equity above €100kEq €121k ▲39.1%
2 profitable years in a row build equity to €121k.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
18-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Bornem · 1 establishment unit since 2011
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.
Puursesteenweg(BOR) 2052880 BornemGround area
664 m²
Building footprint
194 m²
Volume, LiDAR
791 m³
Parcel 12007B0941/00D000, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
INVENSU
since 20112.197.776.114
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007B0941/00D000 | Flanders | 664 m² | 1 · 194 m² | 6.2 m · 1 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
2022 · 1 entry · 6,510 EUR awarded · 6,510 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 6,510 EUR | 6,510 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,691 companies in sector 70100 we hold annual accounts for 3,491. 1,759 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2011
Fiscal year end30-06
Activities, NACEBEL
70100Activities of head offices
47120Other non-specialised retail sale
47400Retail sale of information and communication equipment
47410Retail trade
47910Retail trade
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
85520Cultural education
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.