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INVESTIMUS

Active
Private limited companyfounded 2012active for 14 yearsLodewijk De Raetstraat 3, 3920 Lommel, BelgiumKBO/BCE: BE 0849.801.459

From the official registers: KBO 13 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

INVESTIMUS has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43,207 and a net result of €1,203. Equity has been growing by about 6% per year since 2019. Its solvency ranks better than 79% of 13,716 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

KBO
Status
Active since 19-10-2012 Normal situation
Activity
Agents in non-specialised wholesale trade NACE 46190and 4 others
Establishment unit
2.213.853.665 3920 Lommel, since 19-10-2012
Financial year end
30 September
Peppol
Reachable since 17-10-2025

Board and ownership

Board

Financial position

86 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts to 30-09-2025
Gross margin
€3,485
▲ 272%
Turnover
≈ €25,000
estimated
Profit
€1,203
▲ 192%
Equity
€43,207
▲ 2.9%
Total assets
€56,886
▲ 4.6%
Filed on 19-03-2026, 42 days before the deadlinePDF
Score breakdownraises riskSize: total assets €56,886Liquidity: current ratio 4.16, cash €605, halvedlowers riskFounded in 2012Figures for financial year 2025 (filed on 19-03-2026)Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 54% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 76.0% of total assets
Liquidity 43-15
short-term debt 24.0% · cash 1.1%
Profitability 43+4
return on assets 2.1%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,899 companies, NACE 46, micro)
Last 24 months 12-2024: 0.3% 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.2%▼ -0.1 percentage points vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged 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 09-2025lowest value 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: 0.2%● unchanged vs 02-2026 04-2026: 0.3%▲ +0.1 percentage points vs 03-2026highest value 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026 11-2026: 0.3%● unchanged vs 10-2026
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.16 (4.35 in 2024), above the usual 1.5. Short-term debt is 24% and cash 1.1% of total assets. 24% 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 46, micro). It does better than 90% of them on solvency, 41% on liquidity, 34% on profitability and 50% 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 · Founded in 2012
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €56,886
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 4.16, cash €605, halved
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 19-03-2026)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-03-2026, 42 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
42 days early
2024
50 days early
2023
43 days early
2022
40 days early
2021
44 days early
2020
50 days early
2019
55 days 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 46 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 19 March (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
30-09-2026 year end01-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • 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 INVESTIMUS: agents in non-specialised wholesale trade (NACE 46190). They are comparable in size and age: total assets between €54,300 and €90,700, founded between 2007 and 2016.

CompanyTotal assetsGross margin
INVESTIMUS Lommel€56,886€3,485
Energy Saving Economy Sint-Truiden€57,208€3,654
N.Y.C. Tervuren€57,840€3,774
REDS & CO Jodoigne€56,796€2,225
Séfabi Elsene€56,099€4,677
SYNERCO Eupen€90,662€4,798
BIRD CONSULT Quaregnon€54,345€4,866
Full comparison

Documents

Annual accounts at the NBB

All 13 annual accounts

Articles and registers

Key facts about INVESTIMUS

What is the company number of INVESTIMUS?
The company number of INVESTIMUS is 0849.801.459. The VAT number is the same number with BE in front: BE 0849.801.459.
Where is INVESTIMUS based?
The registered office is at Lodewijk De Raetstraat 3, 3920 Lommel.Company details
What does INVESTIMUS do?
According to the KBO register, the main activity is agents in non-specialised wholesale trade (NACE 46190).
What is the legal form of INVESTIMUS?
The legal form of INVESTIMUS is Private limited company (BV).
When was INVESTIMUS founded?
INVESTIMUS was founded on 19-10-2012.
Is INVESTIMUS still active?
Yes, INVESTIMUS is an active enterprise in the KBO register.
What is the turnover of INVESTIMUS?
The turnover in financial year 2025 is ≈ €25,000. This figure is estimated from the gross margin of €3,485 and 30 comparable companies (NACE 46190). It probably lies between €12,000 and €48,000. It is a rough estimate.Financials
Is INVESTIMUS profitable?
In financial year 2025, INVESTIMUS made a profit of €1,203.
Where can I find the annual accounts of INVESTIMUS?
INVESTIMUS filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of INVESTIMUS due?
INVESTIMUS must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

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