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INVEST & TRADE

Active
Private limited company (pre-2019)founded 1995active for 31 yearsGenenbosstraat 72, 3560 Lummen, BelgiumKBO/BCE: BE 0455.216.347
Summary

INVEST & TRADE has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32,104 and a net result of -€1,006. Equity has been shrinking by about 4.1% per year since 2018. The computed 12-month bankruptcy probability is 0.8% (low).

Overview

Official details

Source: KBO
Status
Active since 12-05-1995 Normal situation
Activity
No activity registered in the KBO
Establishment unit
2.071.979.881 3560 Lummen, since 06-11-1998
Financial year end
31 December
Peppol
Reachable since 18-11-2025

Board and ownership

Board
  • Dewachtere Anja ReginaDirector
Shareholders
  • An Marie Jacobsannual accounts 2017

Financial position

67 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Annual accounts 2025
Gross margin
€22,847
▼ 1.5%
Turnover
≈ €180,000
estimated
Loss
€1,006
▲ 109%
Equity
€32,104
▼ 3.0%
Total assets
€248,958
▼ 10.1%
Filed on 12-06-2026, 49 days before the deadline
Score breakdownraises risk1 change of registered office in 24 monthsLiquidity: current ratio 0.37, cash €915lowers riskSize: total assets €248,958Figures for financial year 2025 (filed on 16-06-2026)Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 31% of micro companies without a NACE code
Financial strength · tick: 2024
Average
Solvency 38+1
equity 12.9% of total assets
Liquidity 45+1
short-term debt 18.7% · cash 0.4%
Profitability 53+1
return on assets -0.4%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.2% 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 04-2025lowest value 06-2025: 0.3%▲ +0.1 percentage points vs 05-2025 07-2025: 0.2%▼ -0.1 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.8%▲ +0.6 percentage points vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 1.0%▲ +0.2 percentage points vs 04-2026 06-2026: 1.3%▲ +0.3 percentage points vs 05-2026highest value 07-2026: 0.8%▼ -0.5 percentage points vs 06-2026 08-2026: 0.8%● unchanged vs 07-2026 09-2026: 0.8%● unchanged vs 08-2026 10-2026: 0.8%● unchanged vs 09-2026 11-2026: 0.8%● unchanged vs 10-2026
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.37 (0.49 in 2024), below 1. Short-term debt is 18.7% and cash 0.4% of total assets. 87.1% 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 (no NACE code, micro). It does better than 24% of them on solvency, 27% on liquidity, 37% on profitability and 35% on growth.

The bankruptcy probability was computed on 01-11-2026 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).

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

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €248,958
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 · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Figures for financial year 2025 (filed on 16-06-2026)
NBB · annual accounts
raises risk · Liquidity: current ratio 0.37, cash €915
NBB · annual accounts
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
49 days early
2024
36 days early
2023
34 days early
2022
41 days early
2021
39 days early
2020
19 days early
2019
59 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 7 accounts on average 23 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were 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 22 June (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: 2 loss-making years in a rowloss in financial year 2025 -€1,006 View
  • Positive: Filed on time since financial year 2020accounts within the deadline every year 6 years View

Recent changes

  1. · Gazette deed Registered office moved from Beringen to Lummen
  2. · Gazette deed Incorporation
All 14 events

Key facts about INVEST & TRADE

What is the company number of INVEST & TRADE?
The company number of INVEST & TRADE is 0455.216.347. The VAT number is the same number with BE in front: BE 0455.216.347.
Where is INVEST & TRADE based?
The registered office is at Genenbosstraat 72, 3560 Lummen.Company details
What is the legal form of INVEST & TRADE?
The legal form of INVEST & TRADE is Private limited company (pre-2019) (BVBA).
When was INVEST & TRADE founded?
INVEST & TRADE was founded on 12-05-1995.
Is INVEST & TRADE still active?
Yes, INVEST & TRADE is an active enterprise in the KBO register.
What is the turnover of INVEST & TRADE?
The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €22,847 and 6,330 comparable companies of the same size. It probably lies between €80,000 and €420,000. It is a rough estimate.Financials
Is INVEST & TRADE profitable?
In financial year 2025, INVEST & TRADE made a loss of €1,006.
Where can I find the annual accounts of INVEST & TRADE?
INVEST & TRADE filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of INVEST & TRADE due?
INVEST & TRADE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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