INVEST'X
ActiveINVEST'X has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.44M and a net result of €157k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 43% of 3181 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+3
Solvency69▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.2 against 0.07 in 2024; short-term debt: 55.9% and cash: 5.8% of total assets), and 55.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 · 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
44.1%
Return on assets
4.8%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
14 d late
2022
31 d late
2021
5 d late
2020
30 d late
2019
102 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€372k
EBIT margin
59.0%
Net result
€157k▲ 33.7%
2024 · €118k
2018: €227k
2019: €176k
2020: €10k
2021: €57k
2022: €84k
2023: €126k
2024: €118k
2018 → 2025
Working capital
€-1.46M▲ 9.7%
2024 · €-1.62M
2018: €14k
2019: €-636k
2020: €-914k
2021: €-1.15M
2022: €-1.36M
2023: €-1.55M
2024: €-1.62M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€372k
Equity€950k-€1.03M▲ 8.9%€1.16M▲ 12.2%€1.28M▲ 10.1%€1.44M▲ 12.3%
Operating result€103k-€131k▲ 27.3%€183k▲ 40.4%€169k▼ 7.7%€220k▲ 29.9%
Net result€57k-€84k▲ 47.0%€126k▲ 48.9%€118k▼ 6.5%€157k▲ 33.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 30% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.26M
Fixed assets
€2.90M=
Current assets
€356k▲ 179%
Equity and liabilities €3.26M
Equity
€1.44M▲ 12.3%
Debt
€1.82M▲ 4.0%
The debt ratio falls from 57.8% to 55.9%. Equity and debt are higher.
Key figures and ratios
Solvency
44.1%▲
2024 · 42.2%
Current ratio
0.20▲
2024 · 0.07
Quick ratio
0.20▲
2024 · 0.07
Debt / equity
1.27▼
2024 · 1.37
ROE
10.9%▲
2024 · 9.2%
ROA
4.8%▲
2024 · 3.9%
Debt
€1.82M▲
2024 · €1.75M
Debt ≤ 1 year
€1.82M▲
2024 · €1.75M
Income taxes
€55k▲
2024 · €47k
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€3.03M€3.26M▲
Formation expenses20€0€0=
Fixed assets21/28€2.90M€2.90M=
Tangible fixed assets22/27€0€0=
Furniture and vehicles24€0€0=
Financial fixed assets28€2.90M€2.90M=
Affiliated companies280/1-€2.90M
Participating interests280-€2.90M
Current assets29/58€128k€356k▲
Amounts receivable within one year40/41€91k€166k▲
Trade receivables40€89k€164k▲
Other amounts receivable41€1k€1k=
Cash at bank and in hand54/58€35k€188k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€3.03M€3.26M▲
Equity10/15€1.28M€1.44M▲
Contributions10/11€725k€725k=
Reserves13€102k€102k=
Non-distributable reserves130/1€22k€22k=
Reserves not available under the articles1311€22k€22k=
Distributable reserves133€80k€80k=
Profit (loss) carried forward14€451k€608k▲
Amounts payable17/49€1.75M€1.82M▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€1.75M€1.82M▲
Current portion of amounts payable after more than one year42€187k€0▼
Financial debts43€0€0=
Credit institutions430/8€0€0=
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Taxes, remuneration and social security45€71k€79k▲
Taxes450/3€71k€79k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€1.48M€1.73M▲
Accrued charges and deferred income492/3€440€0▼
Income statement
Code20242025
Operating income70/76A-€406k
Turnover70-€372k
Other operating income74-€33k
Operating charges60/66A-€186k
Services and other goods61-€184k
Other operating charges640/8€1k€2k▲
Gross operating margin9900€171k-
Operating profit (loss)9901€169k€220k▲
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Debt charges650-€7k
Other financial charges652/9-€388
Profit (loss) for the period before taxes9903€165k€212k▲
Income taxes67/77€47k€55k▲
Taxes670/3-€56k
Tax adjustments and reversals of tax provisions77-€600
Profit (loss) for the period9904€118k€157k▲
Profit (loss) for the period to be appropriated9905€118k€157k▲
Appropriation of the result
Profit (loss) to be appropriated9906€451k€608k▲
Profit (loss) brought forward from the previous period14P€333k€451k▲
The notes to these accounts (22 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 14 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Equity above €1MEq €1.03M ▲8.9%
5 profitable years in a row build equity to €1.03M.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 5 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €10k ▼94.2%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 102 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 13 days late
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Blégny · 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.
Rue Haute-Saive 554671 Blégny1 establishment unit
Rue Haute-Saive 55, 4671 Blégny
since 20142.384.531.501
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 23,852 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filings
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.