INVESTOMAK
ActiveINVESTOMAK has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €-6k. Equity is shrinking by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 36% of 1190 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency38▲+1
Growth58=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.12 against 0.13 in 2024), and 69.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
30.4%
Return on assets
-1.7%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€6k
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
30 d late
2022
31 d late
2021
33 d late
2020
31 d late
2019
91 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€105k▼ 5.4%
2024 · €111k
2018: €159k
2019: €157k
2020: €144k
2021: €139k
2022: €127k
2023: €114k
2024: €111k
2018 → 2025
Total assets
€345k▼ 7.5%
2024 · €373k
2018: €463k
2019: €445k
2020: €429k
2021: €415k
2022: €394k
2023: €378k
2024: €373k
2018 → 2025
Net result
€-6k▼ 93.9%
2024 · €-3k
2018: €-6k
2019: €-2k
2020: €-14k
2021: €-5k
2022: €-12k
2023: €-13k
2024: €-3k
2018 → 2025
Working capital
€-145k▲ 8.8%
2024 · €-159k
2018: €-184k
2019: €-166k
2020: €-166k
2021: €-154k
2022: €-162k
2023: €-153k
2024: €-159k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€127k▼ 8.8%€114k▼ 10.0%€111k▼ 2.7%€105k▼ 5.4%
Operating result€-8k-€-16k▼ 95.2%€-8k▲ 49.4%€-6k▲ 19.2%€-9k▼ 46.0%
Net result€-5k-€-12k▼ 163%€-13k▼ 3.0%€-3k▲ 75.6%€-6k▼ 93.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €6k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345k
Fixed assets
€326k▼ 7.0%
Current assets
€20k▼ 15.3%
Equity and liabilities €345k
Equity
€105k▼ 5.4%
Provisions
€14k▼ 20.0%
Debt
€227k▼ 7.5%
The debt ratio stays at 65.6%.
Key figures and ratios
EBITDA
€19k▼
2024 · €21k
Cash flow
€22k▼
2024 · €24k
Solvency
30.4%▲
2024 · 29.7%
Current ratio
0.12▼
2024 · 0.13
Quick ratio
0.12▼
2024 · 0.13
Debt / equity
2.16▼
2024 · 2.21
ROE
-5.7%▼
2024 · -2.8%
ROA
-1.7%▼
2024 · -0.8%
Interest coverage
126.51▼
2024 · 140.07
Debt
€227k▼
2024 · €245k
Debt ≤ 1 year
€165k▼
2024 · €183k
Debt > 1 year
€62k=
2024 · €62k
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€373k€345k▼
Fixed assets21/28€350k€326k▼
Tangible fixed assets22/27€350k€326k▼
Land and buildings22€346k€320k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€1k€3k▲
Current assets29/58€23k€20k▼
Amounts receivable within one year40/41-€500
Other amounts receivable41-€500
Cash at bank and in hand54/58€19k€15k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€373k€345k▼
Equity10/15€111k€105k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€39k€33k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€33k€27k▼
Profit (loss) carried forward14€10k€11k▲
Provisions and deferred taxes16€17k€14k▼
Deferred taxes168€17k€14k▼
Amounts payable17/49€245k€227k▼
Amounts payable after more than one year17€62k€62k=
Financial debts170/4-€62k
Other amounts payable178/9€62k€0▼
Amounts payable within one year42/48€183k€165k▼
Trade debts44€13k€2k▼
Suppliers440/4€13k€2k▼
Other amounts payable47/48€170k€163k▼
Accrued charges and deferred income492/3€930€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€28k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€23k€21k▼
Operating profit (loss)9901€-6k€-9k▼
Financial income75/76B€51€106▲
Recurring financial income75€51€106▲
Financial charges65/66B€147€147▼
Recurring financial charges65€147€147▼
Profit (loss) for the period before taxes9903€-7k€-9k▼
Transfer from deferred taxes780€3k€3k=
Profit (loss) for the period9904€-3k€-6k▼
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€4k€682▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€11k▲
Profit (loss) brought forward from the previous period14P€6k€10k▲
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 33 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
11-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 42 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Dentergem · 1 establishment unit since 1991
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.
Oostrozebekestraat 188720 DentergemGround area
1,568 m²
Building footprint
249 m²
Volume, LiDAR
1,118 m³
Parcel 37006A0053/00D000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Stoop Filiep
since 19912.050.929.396
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37006A0053/00D000 | Flanders | 1,568 m² | 1 · 249 m² | 6.4 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.
Similar companies · same sector, comparable size
Iris Technical Services
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INNUENDO
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Le Château de Chimay
BE 0442.986.231
Chimay · Eq €103k
DE GAVERKANT
BE 0880.114.850
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RECA ASSOCIATES
BE 0883.511.533
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Of 1,272 companies in sector 81100 we hold annual accounts for 672. 439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-09-1990
Fiscal year end31-12
Activities, NACEBEL
70322
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.