Invest 32 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 €456k and a net result of €17k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 5527 sector peers (fiscal year 2025). The company has been active since 2013 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
59 d early
2023
58 d early
2022
34 d early
2021
31 d early
2020
32 d early
2019
31 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€456k▲ 3.9%
2024 · €439k
2018: €215k
2019: €242k
2020: €228k
2021: €305k
2022: €321k
2023: €430k
2024: €439k
2018 → 2025
Net result
€17k▲ 86.3%
2024 · €9k
2018: €20k
2019: €27k
2020: €-14k
2021: €77k
2022: €15k
2023: €109k
2024: €9k
2018 → 2025
Total assets
€770k=
2024 · €770k
2018: €324k
2019: €367k
2020: €360k
2021: €413k
2022: €704k
2023: €856k
2024: €770k
2018 → 2025
Solvency
59.2%▲ 2.2pp
2024 · 57.0%
2018: 66.5%
2019: 65.9%
2020: 63.3%
2021: 73.9%
2022: 45.5%
2023: 50.2%
2024: 57.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€305k-€321k▲ 5.0%€430k▲ 34.1%€439k▲ 2.1%€456k▲ 3.9%
Operating result€101k-€25k▼ 75.6%€151k▲ 512%€21k▼ 85.8%€32k▲ 48.6%
Net result€77k-€15k▼ 80.4%€109k▲ 622%€9k▼ 91.7%€17k▲ 86.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €770k
Fixed assets
€615k▼ 1.4%
Current assets
€155k▲ 5.6%
Equity and liabilities €770k
Equity
€456k▲ 3.9%
Debt
€314k▼ 5.2%
The debt ratio falls from 43.0% to 40.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
59.2%▲
2024 · 57.0%
ROE
3.7%▲
2024 · 2.1%
ROA
2.2%▲
2024 · 1.2%
Debt
€314k▼
2024 · €331k
Debt ≤ 1 year
€64k▲
2024 · €63k
Debt > 1 year
€245k▼
2024 · €261k
Income taxes
€8k▲
2024 · €4k
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€770k€770k=
Fixed assets21/28€624k€615k▼
Tangible fixed assets22/27€324k€315k▼
Land and buildings22€324k€315k▼
Financial fixed assets28€300k€300k=
Current assets29/58€147k€155k▲
Amounts receivable within one year40/41€43k€70k▲
Trade receivables40€13k€43k▲
Other amounts receivable41€30k€27k▼
Current investments50/53€100k€0▼
Cash at bank and in hand54/58€3k€84k▲
Equity and liabilities
Total equity and liabilities10/49€770k€770k=
Equity10/15€439k€456k▲
Contributions10/11€70k€70k=
Reserves13€193k€210k▲
Distributable reserves133€193k€210k▲
Profit (loss) carried forward14€176k€176k=
Amounts payable17/49€331k€314k▼
Amounts payable after more than one year17€261k€245k▼
Financial debts170/4€191k€175k▼
Other amounts payable178/9€70k€70k=
Amounts payable within one year42/48€63k€64k▲
Current portion of amounts payable after more than one year42€16k€16k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€9k€10k▲
Other amounts payable47/48€37k€35k▼
Accrued charges and deferred income492/3€7k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€3k€2k▼
Gross operating margin9900€33k€43k▲
Operating profit (loss)9901€21k€32k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€13k€24k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€9k€17k▲
Profit (loss) for the period to be appropriated9905€9k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€185k€193k▲
Profit (loss) brought forward from the previous period14P€176k€176k=
Transfer to equity691/2€9k€17k▲
To other reserves6921€9k€17k▲
The notes to these accounts (14 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €109k ▲622%
Operating result €151k, net result €109k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.56
Current ratio from 0.66 to 1.56.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 3.91
Current ratio from 1.07 to 3.91; short-term debt falls from €37k to €26k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-14k ▼152%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity doublescurrent ratio 1.44
Current ratio from 0.70 to 1.44; short-term debt falls from €34k to €28k.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
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
3 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, Wielsbeke · 1 establishment unit since 2014
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.
Wielsbeeksestraat(O) 328710 WielsbekeGround area
1,143 m²
Building footprint
116 m²
Volume, LiDAR
677 m³
Parcel 37009B0024/00K000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Invest 32
since 20142.225.536.227
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37009B0024/00K000 | Flanders | 1,143 m² | 1 · 116 m² | 8.2 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:kurt_pauwels@yahoo.com
Phone:0474.875.683