INVESTRA
ActiveINVESTRA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €3k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 37% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
67
/ 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
Profitability56▲+8
Solvency65▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.86 in 2024; short-term debt: 8.6% and cash: 0.2% of total assets), and 60.4% 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
39.6%
Return on assets
1.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 6 filingsDeviation from the deadline
2025
28 d late
2024
2 d early
2023
30 d late
2022
32 d late
2021
30 d late
2020
104 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▲ 4.6%
2024 · €56k
2020: €15k
2021: €39k
2022: €49k
2023: €51k
2024: €56k
2020 → 2025
Total assets
€149k▼ 0.4%
2024 · €149k
2020: €134k
2021: €153k
2022: €156k
2023: €152k
2024: €149k
2020 → 2025
Net result
€3k▼ 49.3%
2024 · €5k
2020: €11k
2021: €23k
2022: €10k
2023: €2k
2024: €5k
2020 → 2025
Working capital
€-887▲ 45.3%
2024 · €-2k
2020: €-18k
2021: €-5k
2022: €-6k
2023: €-5k
2024: €-2k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€49k▲ 27.0%€51k▲ 3.9%€56k▲ 10.0%€59k▲ 4.6%
Operating result€32k-€17k▼ 46.5%€4k▼ 76.5%€13k▲ 216%€8k▼ 38.5%
Net result€23k-€10k▼ 55.4%€2k▼ 81.7%€5k▲ 168%€3k▼ 49.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149k
Fixed assets
€137k▼ 2.0%
Current assets
€12k▲ 22.4%
Equity and liabilities €149k
Equity
€59k▲ 4.6%
Debt
€90k▼ 3.5%
The debt ratio falls from 62.3% to 60.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €16k
Cash flow
€5k▼
2024 · €8k
Solvency
39.6%▲
2024 · 37.7%
Current ratio
0.93▲
2024 · 0.86
Quick ratio
0.93▲
2024 · 0.86
Debt / equity
1.53▼
2024 · 1.65
ROE
4.4%▼
2024 · 9.1%
ROA
1.7%▼
2024 · 3.4%
Interest coverage
4.17▲
2024 · 2.97
Debt
€90k▼
2024 · €93k
Debt ≤ 1 year
€13k▲
2024 · €11k
Debt > 1 year
€77k▼
2024 · €82k
Income taxes
€3k▲
2024 · €2k
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€149k€149k▼
Fixed assets21/28€139k€137k▼
Tangible fixed assets22/27€129k€126k▼
Land and buildings22€126k€126k=
Furniture and vehicles24€3k-
Financial fixed assets28€11k€11k=
Current assets29/58€10k€12k▲
Amounts receivable within one year40/41€7k€11k▲
Trade receivables40€2k€5k▲
Other amounts receivable41€5k€6k▲
Current investments50/53€750€750=
Cash at bank and in hand54/58€2k€291▼
Equity and liabilities
Total equity and liabilities10/49€149k€149k▼
Equity10/15€56k€59k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€52k€55k▲
Amounts payable17/49€93k€90k▼
Amounts payable after more than one year17€82k€77k▼
Financial debts170/4€82k€77k▼
Amounts payable within one year42/48€11k€13k▲
Current portion of amounts payable after more than one year42€4k€4k=
Trade debts44€726-
Suppliers440/4€726-
Advances received on contracts in progress46-€5k
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€311€319▲
Non-recurring operating charges66A€136-
Gross operating margin9900€16k€11k▼
Operating profit (loss)9901€13k€8k▼
Financial income75/76B€147€280▲
Recurring financial income75€147€280▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€8k€6k▼
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€5k€3k▼
Profit (loss) for the period to be appropriated9905€5k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€55k▲
Profit (loss) brought forward from the previous period14P€47k€52k▲
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
07-09
State Gazette act
General meeting · Registered-office moveGeneral meeting · Registered-office move2 facts ▸
State Gazette act
General meeting · Registered-office move
General meeting · Registered-office move2 facts ▸
- General meeting, 2026-01-15
- Registered-office move, Rue Maurice Grevisse 1 boite 301 à 1348 Louvain-La-Neuve
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-07
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
31-12
Financial
Weakest financial yearnet €2k ▼81.7%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2020net €23k ▲107%
Operating result €32k, net result €23k, both a record.
12-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 104 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2019
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 Maurice Grevisse 11348 Ottignies-Louvain-la-NeuveGround area
3,560 m²
Building footprint
249 m²
Volume, LiDAR
2,307 m³
2 parcels, Wallonia · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
INVESTRA
since 20192.294.448.490
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0086/00W002 | Wallonia | 2,427 m² | 1 · 118 m² | 13.2 m · 3 fl. |
| 25772H0048/00X000 | Wallonia | 1,133 m² | 1 · 131 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 38,915 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.