INVESTERA
ActiveSummary
INVESTERA has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.1m and a net result of €418,509. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 48% of 9436 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability45▲+7
Solvency54▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200,000 at 30 days acceptable
Liquidity ample (current ratio 21.69 against 18.41 in 2024; short-term debt: 3.5% and cash: 0.1% of total assets), but 71.1% of the assets are financed with debt.
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Signals
Five 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
28.9%
Return on assets
4%
Age of the figures
9 mo
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 11-05-2026, 81 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
81 d early
2024
83 d early
2023
89 d early
2022
87 d early
2021
79 d early
2020
40 d early
2019
18 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 68 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 9 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€3.1m▲ 15.8%
2024 · €2.6m
Total assets
€10.6m▲ 0.6%
2024 · €10.5m
Net result
€418,509▲ 30.7%
2024 · €320,137
Working capital
€7.7m▲ 4.3%
2024 · €7.4m
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€326,030▼ 0.4%€346,653▲ 6.3%€417,105▲ 20.3%€424,472▲ 1.8%€647,362▲ 52.5%
Net result€206,534above the sector's middle half▲ 13.4%€170,176above the sector's middle half▼ 17.6%€279,970above the sector's middle half▲ 64.5%€320,137above the sector's middle half▲ 14.3%€418,509above the sector's middle half▲ 30.7%
Equity€2.9mabove the sector's middle half▲ 7.7%€2.0mabove the sector's middle half▼ 28.9%€2.3mabove the sector's middle half▲ 13.7%€2.6mabove the sector's middle half▲ 13.8%€3.1mabove the sector's middle half▲ 15.8%
Total assets€3.6mwithin the sector's middle half▼ 1.7%€11.5mabove the sector's middle half▲ 221%€10.4mabove the sector's middle half▼ 9.7%€10.5mabove the sector's middle half▲ 1.0%€10.6mabove the sector's middle half▲ 0.6%
Debt€530,578▼ 33.0%€9.3m▲ 1,655%€7.9m▼ 14.9%€7.7m▼ 2.6%€7.4m▼ 4.5%
Working capital€20,651within the sector's middle half€7.0mabove the sector's middle half▲ 33,768%€7.1mabove the sector's middle half▲ 1.3%€7.4mabove the sector's middle half▲ 4.3%€7.7mabove the sector's middle half▲ 4.3%
Solvency79.9%above the sector's middle half▲ 7.0pp17.7%within the sector's middle half▼ 62.2pp22.3%within the sector's middle half▲ 4.6pp25.1%within the sector's middle half▲ 2.8pp28.9%within the sector's middle half▲ 3.8pp
Current ratio1.08within the sector's middle half▲ 0.765.90above the sector's middle half▲ 4.8117.77above the sector's middle half▲ 11.8718.41above the sector's middle half▲ 0.6421.69above the sector's middle half▲ 3.28
Return on assets (ROA)5.7%within the sector's middle half▲ 0.8pp1.5%within the sector's middle half▼ 4.3pp2.7%within the sector's middle half▲ 1.2pp3.0%within the sector's middle half▲ 0.4pp4.0%within the sector's middle half▲ 0.9pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 53% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.6m
Fixed assets
€2.5m ▼ 7.5%
Current assets
€8.1m ▲ 3.4%
Equity and liabilities €10.6m
Equity
€3.1m ▲ 15.8%
Provisions
€169,262 ▼ 2.9%
Debt
€7.4m ▼ 4.5%
Debt's share of the balance-sheet total falls from 73.2% to 69.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€849,873▲
2024 · €626,982
Cash flow
€621,020▲
2024 · €522,648
Debt to equity
2.40▼
2024 · 2.91
ROE
13.7%▲
2024 · 12.1%
Interest coverage
2.52▲
2024 · 1.80
Debt ≤ 1 year
€372,566▼
2024 · €424,520
Debt > 1 year
€6.8m▼
2024 · €7.1m
Income taxes
€140,071▲
2024 · €106,712
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 733 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 97% are still going.
- Medium-sized
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.0%
went bankrupt
1.4%
stopped otherwise
97%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 733 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €202,511 | €202,511 | €202,511 | €202,511 | €202,511 | = |
| Other operating charges640/8 | €988 | €990 | €1,092 | €1,108 | €1,143 | ▲ 3.1% |
| Non-recurring operating charges66A | €40,404 | €40,794 | €41,758 | €41,460 | €42,353 | ▲ 2.2% |
| Gross operating margin9900 | €569,934 | €590,948 | €662,466 | €669,551 | €893,368 | ▲ 33.4% |
| Operating profit (loss)9901 | €326,030 | €346,653 | €417,105 | €424,472 | €647,362 | ▲ 52.5% |
| Financial income75/76B | - | - | €314,375 | €351,665 | €248,640 | ▼ 29.3% |
| Recurring financial income75 | - | - | €314,375 | €351,665 | €248,640 | ▼ 29.3% |
| Financial charges65/66B | €80,519 | €89,411 | €358,188 | €349,287 | €337,422 | ▼ 3.4% |
| Recurring financial charges65 | €80,519 | €89,411 | €358,188 | €349,287 | €337,422 | ▼ 3.4% |
| Profit (loss) for the period before taxes9903 | €245,511 | €257,242 | €373,293 | €426,850 | €558,580 | ▲ 30.9% |
| Income taxes67/77 | €38,977 | €87,066 | €93,323 | €106,712 | €140,071 | ▲ 31.3% |
| Profit (loss) for the period9904 | €206,534 | €170,176 | €279,970 | €320,137 | €418,509 | ▲ 30.7% |
| Profit (loss) for the period to be appropriated9905 | €206,534 | €170,176 | €279,970 | €320,137 | €418,509 | ▲ 30.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.6m | €11.5m | €10.4m | €10.5m | €10.6m | ▲ 0.6% |
| Fixed assets21/28 | €3.3m | €3.1m | €2.9m | €2.7m | €2.5m | ▼ 7.5% |
| Tangible fixed assets22/27 | €3.3m | €3.1m | €2.9m | €2.7m | €2.5m | ▼ 7.5% |
| Land and buildings22 | €3.3m | €3.1m | €2.9m | €2.7m | €2.5m | ▼ 7.5% |
| Financial fixed assets28 | €90 | €90 | €90 | €90 | €90 | = |
| Current assets29/58 | €276,156 | €8.4m | €7.5m | €7.8m | €8.1m | ▲ 3.4% |
| Amounts receivable within one year40/41 | €11,378 | €8.0m | €7.4m | €7.7m | €8.1m | ▲ 4.7% |
| Trade receivables40 | - | - | - | €188,928 | €401,441 | ▲ 112% |
| Other amounts receivable41 | €11,378 | €8.0m | €7.4m | €7.5m | €7.7m | ▲ 2.0% |
| Cash at bank and in hand54/58 | €264,778 | €410,391 | €132,614 | €106,998 | €10,401 | ▼ 90.3% |
| Deferred charges and accrued income490/1 | - | €12,703 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.6m | €11.5m | €10.4m | €10.5m | €10.6m | ▲ 0.6% |
| Equity10/15 | €2.9m | €2.0m | €2.3m | €2.6m | €3.1m | ▲ 15.8% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €1.2m | €1.2m | €1.2m | €1.2m | €1.2m | = |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | €1.2m | €1.2m | €1.2m | €1.2m | €1.2m | = |
| Profit (loss) carried forward14 | €1.6m | €804,865 | €1.1m | €1.4m | €1.8m | ▲ 29.8% |
| Provisions and deferred taxes16 | €192,465 | €185,920 | €180,268 | €174,319 | €169,262 | ▼ 2.9% |
| Provisions for liabilities and charges160/5 | €192,465 | €185,920 | €180,268 | €174,319 | €169,262 | ▼ 2.9% |
| Environmental obligations163 | €192,465 | €185,920 | €180,268 | €174,319 | - | - |
| Other liabilities and charges164/5 | - | - | - | - | €169,262 | - |
| Amounts payable17/49 | €530,578 | €9.3m | €7.9m | €7.7m | €7.4m | ▼ 4.5% |
| Amounts payable after more than one year17 | €274,988 | €7.9m | €7.5m | €7.1m | €6.8m | ▼ 4.3% |
| Financial debts170/4 | €274,988 | €7.9m | €7.5m | €7.1m | €6.8m | ▼ 4.3% |
| Amounts payable within one year42/48 | €255,505 | €1.4m | €422,640 | €424,520 | €372,566 | ▼ 12.2% |
| Current portion of amounts payable after more than one year42 | €91,668 | €399,360 | €399,360 | €399,344 | €307,692 | ▼ 23.0% |
| Financial debts43 | €155,000 | - | - | - | - | - |
| Other loans439 | €155,000 | - | - | - | - | - |
| Trade debts44 | €8,837 | €29,275 | €23,280 | €25,140 | €24,803 | ▼ 1.3% |
| Suppliers440/4 | €8,837 | €29,275 | €23,280 | €25,140 | €24,803 | ▼ 1.3% |
| Taxes, remuneration and social security45 | - | - | - | €36 | €40,071 | ▲ 112,364% |
| Taxes450/3 | - | - | - | €36 | €40,071 | ▲ 112,364% |
| Other amounts payable47/48 | - | €1.0m | - | - | - | - |
| Accrued charges and deferred income492/3 | €85 | €6,800 | €21,524 | €209,236 | €218,835 | ▲ 4.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €206,534 | €170,176 | €279,970 | €320,137 | €418,509 | ▲ 30.7% |
| + Depreciation and write-downs630 | €202,511 | €202,511 | €202,511 | €202,511 | €202,511 | = |
| Operating cash flow (approximation) | €409,045 | €372,686 | €482,480 | €522,648 | €621,020 | ▲ 18.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €145,613 | -€277,777 | -€25,615 | -€96,597 | ▼ 277% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
State Gazette act
Reappointment: Deloitte Bedrijfsrevisoren BV (statutory auditor)2 facts ▸
State Gazette act
Reappointment: Deloitte Bedrijfsrevisoren BV (statutory auditor)
2 facts ▸
- General meeting, 06-05-2026
- Auditor reappointment, Deloitte Bedrijfsrevisoren BV (statutory auditor)
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €418,509 ▲30.7%
Operating result €647,362, net result €418,509, both a record.
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 17.77
Current ratio from 5.90 to 17.77; short-term debt falls from €1.4m to €422,640.
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 5current ratio 5.90
Current ratio from 1.08 to 5.90.
13-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity triplescurrent ratio 1.08
Current ratio from 0.32 to 1.08; short-term debt falls from €424,606 to €255,505.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €166,069 ▼16.9%
Net result drops to €166,069, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 13 acts read
About the unread acts
Of the 13 Belgian State Gazette acts we know for this company, 1 has been read. The other 12 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
Statutory auditor 1
DELOITTE Bedrijfsrevisoren BV
CurrentStatutory auditor · since 05-06-2026 · perm. rep.: Ben Vandeweyer
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1985
Ground area
7,465 m²
Building footprint
1,076 m²
Volume, LiDAR
5,447 m³
Parcel 44808H0746/00B000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
49
companies at this address
See who is registered here
1 establishment unit
Foreestelaan 86, 9000 Gent
since 19852.027.360.475
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0746/00B000 | Flanders | 7,465 m² | 1 · 1,075 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Statutory auditor
| Name | Functions and periods |
|---|---|
| DELOITTE Bedrijfsrevisoren BV |
|
Structure & network
Part of the group
ALIDES REAL ESTATE INVESTMENT AND MANAGEMENT
22 companies
Group, risk and exposure
Owners and holdings
2 owners · 1 holdingChain of control
Highest known parent: ALIDES REAL ESTATE INVESTMENT AND MANAGEMENT. The sources do not say who stands above it.
Owners 2
-
99.99%
-
0.01%
Holdings 1
-
0.01%
According to the 2025 annual accounts of INVESTERA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
549300OLKBZDCFQR2Q79
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Company details
Identification
Legal formPublic limited company
Founded05-07-1985
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68202Real estate activities
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0427585007
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.