Skip to content

INVEST A.M.

Active
Private limited company (pre-2019)founded 1991active for 35 yearsVeeweidestraat(SMH) 11, 3300 Tienen, BelgiumKBO/BCE: BE 0444.866.051

From the official registers: KBO 34 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The annual accounts of INVEST A.M. for financial year 2025 show a net loss of 74% of the equity at the start of that year. The 2025 annual accounts show equity of €3,824 and a net result of -€10,879. Equity has been growing by about 5.9% per year since 2018. Its solvency ranks better than 10% of 21,130 sector peers (NACE 62, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

KBO
Status
Active since 08-08-1991 Normal situation
Activity
Computer programming NACE 62100and 1 other
Establishment unit
2.245.687.382 3300 Tienen, since 01-07-2015
Financial year end
31 December
Peppol
Reachable

Board and ownership

Board
  • VANDIJCK MICHELDirector · since 29-04-2013

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€20,300
▼ 80.8%
Turnover
≈ €110,000
estimated
Loss
€10,879
Equity
€3,824
▼ 74.0%
Total assets
€126,843
▼ 16.6%
Filed on 28-07-2026, 3 days before the deadlineat the National Bank
Score breakdownraises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €10,879 (financial year 2025)Equity €3,824 (3.0% of total assets)lowers riskSize: total assets €126,843Sector: Computer programming, consultancy and related activities (NACE 62)Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 14% of micro companies in computer programming and consultancy (NACE 62)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 28-7
equity 3.0% of total assets
Liquidity 35-18
short-term debt 63.0% · cash 14.2%
Profitability 47-53
return on assets -8.6%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,908 companies, NACE 62, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.3%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.1%▼ -0.2 percentage points vs 07-2025 09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: 0.1%▲ +0.1 percentage points vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
No publishable credit limit, so credit 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 is insufficient, with a current ratio of 0.42 (0.46 in 2024), below 1. Short-term debt is 63% and cash 14.2% of total assets. 97% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 11% of them on solvency, 13% on liquidity, 20% on profitability and 9% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Loss of €10,879 (financial year 2025)
NBB · annual accounts
lowers risk · Size: total assets €126,843
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €3,824 (3.0% of total assets)
NBB · annual accounts
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 21130 sector peers (2025).
NBB · sector comparison
Position among 21130 sector peers
Solvency
better than 10%
← weakest strongest →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
3 days early
2024
23 days early
2023
21 days early
2022
11 days early
2021
4 days early
2020
22 days early
2019
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €80,096 in 2024 -€10,879 View
  • Caution: Lower net result than 90% of companies in computer programming and consultancysector median €28,635 · 21,136 companies -€10,879 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Comparable companies

These companies have the same main activity as INVEST A.M.: computer programming (NACE 62100). They are comparable in size and age: total assets between €93,900 and €143,000, founded between 1990 and 1998.

CompanyTotal assetsGross margin
INVEST A.M. Tienen€126,843€20,300
HARD AND SOFT SUPPORT Jette€133,453€19,708
Conveying systems Aalst€143,162€22,481
BUEDS SOFTWARE SERVICES Putte€117,106€21,167
COMPUTERS & PERIPHERALS UNLIMITED Brugge€131,864€16,932
FEKASOFT IT SOLUTIONS Meise€118,523€25,277
2N1 Overijse€93,937€24,869
Full comparison

Documents

Annual accounts at the NBB

All 34 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about INVEST A.M.

What is the company number of INVEST A.M.?
The company number of INVEST A.M. is 0444.866.051. The VAT number is the same number with BE in front: BE 0444.866.051.
Where is INVEST A.M. based?
The registered office is at Veeweidestraat(SMH) 11, 3300 Tienen.Company details
What does INVEST A.M. do?
According to the KBO register, the main activity is computer programming (NACE 62100).
What is the legal form of INVEST A.M.?
The legal form of INVEST A.M. is Private limited company (pre-2019) (BVBA).
When was INVEST A.M. founded?
INVEST A.M. was founded on 08-08-1991.
Is INVEST A.M. still active?
Yes, INVEST A.M. is an active enterprise in the KBO register.
What is the turnover of INVEST A.M.?
The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €20,300 and 53 comparable companies (NACE 62100). It probably lies between €59,000 and €210,000. It is a rough estimate.Financials
Is INVEST A.M. profitable?
In financial year 2025, INVEST A.M. made a loss of €10,879.
Where can I find the annual accounts of INVEST A.M.?
INVEST A.M. filed 34 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of INVEST A.M. due?
INVEST A.M. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.