INVEST M
ActiveINVEST M has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €567k and a net result of €10k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 2262 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+11
Solvency100▲+49
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 0.78 in 2024; short-term debt: 2.9% and cash: 1.4% of total assets), and 23.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
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
76.6%
Return on assets
1.3%
Age of the figures
15 mo
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 19-12-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
54 d early
2023
23 d early
2022
22 d early
2021
6 d early
2020
9 d early
2019
23 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€567k▲ 722%
2024 · €69k
2019: €60k
2020: €60k
2021: €61k
2022: €62k
2023: €67k
2024: €69k
2019 → 2025
Total assets
€739k▲ 179%
2024 · €265k
2019: €341k
2020: €373k
2021: €301k
2022: €285k
2023: €279k
2024: €265k
2019 → 2025
Net result
€10k▲ 359%
2024 · €2k
2019: €1k
2020: €324
2021: €2k
2022: €301
2023: €5k
2024: €2k
2019 → 2025
Working capital
€11k
2024 · €-30k
2019: €-50k
2020: €-35k
2021: €-31k
2022: €-26k
2023: €-20k
2024: €-30k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€62k▲ 0.5%€67k▲ 8.2%€69k▲ 3.2%€567k▲ 722%
Operating result€11k-€9k▼ 19.2%€12k▲ 31.8%€8k▼ 33.6%€17k▲ 110%
Net result€2k-€301▼ 80.4%€5k▲ 1,583%€2k▼ 58.5%€10k▲ 359%
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 110% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €739k
Fixed assets
€707k▲ 341%
Current assets
€33k▼ 68.9%
Equity and liabilities €739k
Equity
€567k▲ 722%
Debt
€173k▼ 12.0%
The debt ratio falls from 74.0% to 23.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▲
2024 · €21k
Cash flow
€23k▲
2024 · €15k
Solvency
76.6%▲
2024 · 26.0%
Current ratio
1.52▲
2024 · 0.78
Quick ratio
1.52▲
2024 · 0.78
Debt / equity
0.31▼
2024 · 2.85
ROE
1.7%▼
2024 · 3.1%
ROA
1.3%▲
2024 · 0.8%
Interest coverage
7.94▲
2024 · 4.70
Debt
€173k▼
2024 · €196k
Debt ≤ 1 year
€22k▼
2024 · €135k
Debt > 1 year
€151k▲
2024 · €62k
Income taxes
€3k▲
2024 · €2k
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€265k€739k▲
Fixed assets21/28€160k€707k▲
Tangible fixed assets22/27€160k€707k▲
Land and buildings22€160k€707k▲
Current assets29/58€105k€33k▼
Amounts receivable within one year40/41€95k€23k▼
Trade receivables40€9k€9k=
Other amounts receivable41€87k€14k▼
Cash at bank and in hand54/58€10k€10k▲
Equity and liabilities
Total equity and liabilities10/49€265k€739k▲
Equity10/15€69k€567k▲
Contributions10/11€56k€544k▲
Outside capital11€56k€544k▲
Share premium1100/10€56k€544k▲
Reserves13€13k€22k▲
Distributable reserves133€13k€22k▲
Amounts payable17/49€196k€173k▼
Amounts payable after more than one year17€62k€151k▲
Financial debts170/4€62k€151k▲
Amounts payable within one year42/48€135k€22k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€29€1k▲
Suppliers440/4€29€1k▲
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Other amounts payable47/48€119k€436▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€23k€33k▲
Operating profit (loss)9901€8k€17k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€4k€13k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€2k€10k▲
Profit (loss) for the period to be appropriated9905€2k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€10k▲
Transfer to equity691/2€2k€10k▲
To other reserves6921€2k€10k▲
The notes to these accounts (7 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
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2019net €10k ▲359%
Operating result €17k, net result €10k, both a record.
30-06
Financial
Equity above €500kEq €567k ▲722%
7 profitable years in a row build equity to €567k.
2024
08-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €301 ▼80.4%
Net result drops to €301, the lowest in the series; recovery starts the following year.
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
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
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
27-12-2023
Didier Martens: Resigned as Director
27-12-2023
Xavier Martens: Resigned as Director
17-05-2021
Rudy Martens: Resigned as Director
30-06-2009
Raeymaekers Ingrid: Resigned as Manager
Location & real-estate footprint
Registered office, Sint-Niklaas · 1 establishment unit since 2008
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.
Vlasbloemstraat 339100 Sint-NiklaasGround area
217 m²
Building footprint
212 m²
Volume, LiDAR
1,157 m³
Parcel 46017A0810/00W000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Invest M
since 20082.173.930.544
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46017A0810/00W000 | Flanders | 217 m² | 1 · 212 m² | 9.1 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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Homewise
BE 0426.407.545
Langemark-Poelkapelle · Eq €565k
VEKMO
BE 0473.588.048
Tessenderlo-Ham · Eq €565k
DJ&L
BE 0895.141.536
Kortrijk · Eq €569k
Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 5,648 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2008
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
77221Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.