Skip to content

K-INVEST

Active Risk: not assessed
Private limited companyfounded 2009active for 17 yearsFinlandstraat 11, 9940 Evergem, BelgiumKBO/BCE: BE 0809.915.653
Summary

K-INVEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €21.5m and a net result of €28,543. Equity remains stable across the filed financial years (±0.7% per year). Its solvency ranks better than 83% of 6,649 sector peers (NACE 64, financial year 2025). The company has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Activities of holding companies
NACE 64210
#4 company by total assets in Evergem, Finance and insurance sector1 site
Size
€24.3mtotal assets 2025
Equity
€21.5m
Profit
€28,543
Turnover not published (abbreviated format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Holdings
5
Accounts 30 days early0 of 6 deeds read
Signalslowers riskGrowing equityneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Two signals.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
18192021232425
2018 to 2025 · latest year €21.5m
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 30-06-2026, 30 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
30 days early
2024
6 days early
2023
1 day late
2021
12 days late
2020
51 days early
2019
39 days late
2018
35 days late
← 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 on the deadline day; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today. The company usually files around 24 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
10-10-2026 today30-12-2026 year end30-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. General meeting · DemergerLegal form clause · Name…
  2. Annual accounts filedfinancial year 2025 · abbreviated…
  3. Board meeting · Director reappointmentPermanent representative · General meeting

Financials · financial year 2025, abbreviated format

Equity
€21.5m▲ 605%
2024 · €3.0m
Net result
€28,543
2024 · -€6,536
Total assets
€24.3m▲ 325%
2024 · €5.7m
Solvency
88.2%▲ 35.0pp
2024 · 53.2%
Trend over the years

2020 to 2025, 5 financial years 2018 to 2025, 7 financial years

The operating result has risen two years in a row; 2025 is 91% above 2024 and is the highest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€0.07m 2025 Net result€0.03m 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).

Every figure with its change against the financial year before
favourable unfavourable
Line2018201920202021202320242025
Operating result€1.0m--€0.06m-€0.1m▼ 54.1%-€0.06m▲ 41.4%-€0.3m-€0.04m€0.07m▲ 91.3%
Net result€0.6m--€0.07m-€0.1mbelow the sector's middle half▼ 49.4%-€0.07mbelow the sector's middle half▲ 37.8%-€0.2mbelow the sector's middle half--€0.007mbelow the sector's middle half▲ 96.3%€0.03mwithin the sector's middle half
Equity€2.9m-€3.4m▲ 16.7%€3.3mabove the sector's middle half▼ 3.2%€3.2mabove the sector's middle half▼ 2.1%€3.1mabove the sector's middle half-€3.0mabove the sector's middle half▼ 0.2%€21.5mabove the sector's middle half▲ 605%
Total assets€4.3m-€6.4m▲ 47.8%€5.9mabove the sector's middle half▼ 7.1%€5.5mabove the sector's middle half▼ 7.7%€5.6mabove the sector's middle half-€5.7mabove the sector's middle half▲ 1.8%€24.3mabove the sector's middle half▲ 325%
Debt€1.0m-€2.6m▲ 159%€2.2m▼ 12.8%€1.9m▼ 17.3%€2.4m-€2.6m▲ 4.5%€2.7m▲ 7.1%
Working capital€1.2m--€0.3m-€0.2mwithin the sector's middle half▲ 45.5%-€0.2mbelow the sector's middle half▼ 45.4%-€0.8mbelow the sector's middle half--€0.9mbelow the sector's middle half▼ 15.1%-€1.2mbelow the sector's middle half▼ 30.8%
Solvency67.4%-53.2%▼ 14.2pp55.5%within the sector's middle half▲ 2.2pp58.8%within the sector's middle half▲ 3.4pp54.3%within the sector's middle half-53.2%within the sector's middle half▼ 1.1pp88.2%above the sector's middle half▲ 35.0pp
Current ratio2.85-0.87▼ 1.980.90within the sector's middle half▲ 0.030.82within the sector's middle half▼ 0.080.58within the sector's middle half-0.52within the sector's middle half▼ 0.060.45within the sector's middle half▼ 0.07
Return on assets (ROA)14.8%--1.1%▼ 15.9pp-1.8%below the sector's middle half▼ 0.7pp-1.2%below the sector's middle half▲ 0.6pp-3.1%below the sector's middle half--0.1%below the sector's middle half▲ 3.0pp0.1%below the sector's middle half▲ 0.2pp
Staff (FTE)0within the sector's middle half-0within the sector's middle half0within the sector's middle half
above within below the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them.
Why a figure moved sharply
  • 2024 Net result +96% on 2023. The previous financial year ran 24 months, this one 12.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24.3m
Fixed assets €23.4m ▲ 393%
Current assets €971,200 ▼ 1.6%
Equity and liabilities €24.3m
Equity €21.5m ▲ 605%
Provisions €120,215 =
Debt €2.7m ▲ 7.1%
Debt's share of the balance-sheet total falls from 44.7% to 11.3%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
0.1%▲
2024 · -0.2%
Debt ≤ 1 year
€2.2m▲
2024 · €1.9m
Debt > 1 year
€565,738▼
2024 · €650,955
Income taxes
€5,269▲
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 62 lines
Balance sheet Code20242025
Assets
Total assets20/58€5.7m€24.3m▲
Fixed assets21/28€4.7m€23.4m▲
Tangible fixed assets22/27€0.9m€0.9m▼
Land and buildings22€0.9m€0.8m▼
Other tangible fixed assets26€0.08m€0.08m=
Assets under construction and advance payments27€0.002m€0.002m=
Financial fixed assets28€3.8m€22.5m▲
Current assets29/58€1.0m€1.0m▼
Stocks and contracts in progress3€0.06m€0.06m=
Stocks30/36€0.06m€0.06m=
Amounts receivable within one year40/41€0.9m€0.9m▲
Trade receivables40€0.009m€0.03m▲
Other amounts receivable41€0.9m€0.9m▼
Cash at bank and in hand54/58€0.04m€0.02m▼
Deferred charges and accrued income490/1€0.003m€0▼
Equity and liabilities
Total equity and liabilities10/49€5.7m€24.3m▲
Equity10/15€3.0m€21.5m▲
Contributions10/11€0.6m€0.6m=
Revaluation surpluses12€1.9m€20.3m▲
Reserves13€0.6m€0.6m▲
Distributable reserves133€0.6m€0.6m▲
Profit (loss) carried forward14-€0
Provisions and deferred taxes16€0.1m€0.1m=
Provisions for liabilities and charges160/5€0.1m€0.1m=
Pensions and similar obligations160€0.1m€0.1m=
Amounts payable17/49€2.6m€2.7m▲
Amounts payable after more than one year17€0.7m€0.6m▼
Financial debts170/4€0.6m€0.6m▼
Other amounts payable178/9€0.002m€0.002m=
Amounts payable within one year42/48€1.9m€2.2m▲
Current portion of amounts payable after more than one year42€0.09m€0.09m▼
Financial debts43€0.1m€0.04m▼
Credit institutions430/8€0.1m€0.04m▼
Trade debts44€0.4m€0.6m▲
Suppliers440/4€0.4m€0.6m▲
Advances received on contracts in progress46€259€259=
Taxes, remuneration and social security45€0.03m€0.01m▼
Taxes450/3€0.03m€0.01m▼
Other amounts payable47/48€1.3m€1.4m▲
Income statement Code20242025
Non-recurring operating income76A-€0.005m
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.04m€0.04m▲
Other operating charges640/8€0.04m€0.007m▼
Non-recurring operating charges66A€0-
Gross operating margin9900€0.1m€0.1m▼
Operating profit (loss)9901€0.04m€0.07m▲
Financial income75/76B€0€125▲
Recurring financial income75€0€125▲
Financial charges65/66B€0.04m€0.03m▼
Recurring financial charges65€0.04m€0.03m▼
Profit (loss) for the period before taxes9903-€0.007m€0.03m▲
Transfer from deferred taxes780€0-
Income taxes67/77€0€0.005m▲
Profit (loss) for the period9904-€0.007m€0.03m▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905-€0.007m€0.03m▲
Appropriation of the result
Profit (loss) to be appropriated9906-€0.007m€0.03m▲
Transfer from equity791/2€0.007m€0▼
Transfer to equity691/2€0€0.02m▲
To other reserves6921€0€0.02m▲
Profit to be distributed694/7-€0.01m
Directors or managers695-€0.01m
Social balance sheet
Average headcount (FTE)90870.00.0=

The notes to these accounts (28 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2018201920202021202320242025Change
Non-recurring operating income76A------€0.005m-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.02m€0.04m€0.03m€0.03m€0.06m€0.04m€0.04m▲ 5.8%
Provisions for liabilities and charges: additions (uses and reversals)635/8---€0----
Other operating charges640/8---€0.04m€0.03m€0.04m€0.007m▼ 83.2%
Non-recurring operating charges66A----€0.01m€0--
Gross operating margin9900€1.1m€0.02m-€0.05m€0.007m-€0.2m€0.1m€0.1m▼ 1.4%
Operating profit (loss)9901€1.0m-€0.06m-€0.1m-€0.06m-€0.3m€0.04m€0.07m▲ 91.3%
Financial income75/76B---€0.003m€15€0€125-
Recurring financial income75€0.008m€0.007m€0.004m€0.003m€15€0€125-
Financial charges65/66B---€0.01m€0.04m€0.04m€0.03m▼ 18.1%
Recurring financial charges65€0.05m€0.02m€0.01m€0.01m€0.04m€0.04m€0.03m▼ 18.1%
Profit (loss) for the period before taxes9903€0.9m-€0.07m-€0.1m-€0.07m-€0.4m-€0.007m€0.03m▲ 617%
Transfer from deferred taxes780---€342€0.3m€0--
Income taxes67/77----€0.1m€0€0.005m-
Profit (loss) for the period9904€0.6m-€0.07m-€0.1m-€0.07m-€0.2m-€0.007m€0.03m▲ 537%
Transfer from tax-exempt reserves789---€0.001m€0.7m€0--
Profit (loss) for the period to be appropriated9905-€0.04m-€0.07m-€0.1m-€0.07m€0.5m-€0.007m€0.03m▲ 537%
Line2018201920202021202320242025Change
Assets
Total assets20/58€4.3m€6.4m€5.9m€5.5m€5.6m€5.7m€24.3m▲ 325%
Fixed assets21/28€2.4m€4.4m€4.4m€4.4m€4.5m€4.7m€23.4m▲ 393%
Tangible fixed assets22/27€0.4m€0.6m€0.6m€0.6m€0.7m€0.9m€0.9m▼ 4.8%
Land and buildings22---€0.5m€0.6m€0.9m€0.8m▼ 5.2%
Other tangible fixed assets26---€0.09m€0.08m€0.08m€0.08m=
Assets under construction and advance payments27-----€0.002m€0.002m=
Financial fixed assets28€2.0m€3.9m€3.8m€3.8m€3.8m€3.8m€22.5m▲ 491%
Current assets29/58€1.9m€2.0m€1.5m€1.1m€1.1m€1.0m€1.0m▼ 1.6%
Stocks and contracts in progress3-----€0.06m€0.06m=
Stocks30/36-----€0.06m€0.06m=
Amounts receivable within one year40/41€0.3m€1.9m€1.5m€1.0m€1.1m€0.9m€0.9m▲ 1.3%
Trade receivables40---€0€0.03m€0.009m€0.03m▲ 270%
Other amounts receivable41---€1.0m€1.1m€0.9m€0.9m▼ 1.5%
Current investments50/53€0.007m€0.007m€0.007m€0.007m€0---
Cash at bank and in hand54/58€1.6m€0.01m€0.01m€0.07m€0.02m€0.04m€0.02m▼ 57.7%
Deferred charges and accrued income490/1-----€0.003m€0▼ 100%
Equity and liabilities
Total equity and liabilities10/49€4.3m€6.4m€5.9m€5.5m€5.6m€5.7m€24.3m▲ 325%
Equity10/15€2.9m€3.4m€3.3m€3.2m€3.1m€3.0m€21.5m▲ 605%
Contributions10/11€0.6m€0.6m-€0.6m€0.6m€0.6m€0.6m=
Revaluation surpluses12---€1.9m€1.9m€1.9m€20.3m▲ 975%
Reserves13€1.0m€0.9m€0.8m€0.8m€0.6m€0.6m€0.6m▲ 2.8%
Non-distributable reserves130/1---€0.009m€0---
Reserves not available under the articles1311---€0.009m€0---
Tax-exempt reserves132---€0.7m€0---
Distributable reserves133---€0.08m€0.6m€0.6m€0.6m▲ 2.8%
Profit (loss) carried forward14------€0-
Provisions and deferred taxes16€0.4m€0.4m€0.4m€0.4m€0.1m€0.1m€0.1m=
Provisions for liabilities and charges160/5---€0.1m€0.1m€0.1m€0.1m=
Pensions and similar obligations160---€0.1m€0.1m€0.1m€0.1m=
Deferred taxes168---€0.3m€0---
Amounts payable17/49€1.0m€2.6m€2.2m€1.9m€2.4m€2.6m€2.7m▲ 7.1%
Amounts payable after more than one year17€0.2m€0.3m€0.6m€0.6m€0.6m€0.7m€0.6m▼ 13.1%
Financial debts170/4---€0.6m€0.5m€0.6m€0.6m▼ 13.1%
Other amounts payable178/9----€0.002m€0.002m€0.002m=
Amounts payable within one year42/48€0.7m€2.2m€1.7m€1.3m€1.9m€1.9m€2.2m▲ 14.0%
Current portion of amounts payable after more than one year42---€0.07m€0.07m€0.09m€0.09m▼ 5.3%
Financial debts43-----€0.1m€0.04m▼ 72.4%
Credit institutions430/8-----€0.1m€0.04m▼ 72.4%
Trade debts44€0.06m€0.03m€0.02m€0.04m€0.3m€0.4m€0.6m▲ 61.8%
Suppliers440/4---€0.04m€0.3m€0.4m€0.6m▲ 61.8%
Advances received on contracts in progress46---€259€259€259€259=
Taxes, remuneration and social security45---€0.003m€0.1m€0.03m€0.01m▼ 69.9%
Taxes450/3---€0.003m€0.1m€0.03m€0.01m▼ 69.9%
Other amounts payable47/48---€1.2m€1.4m€1.3m€1.4m▲ 12.9%
Line2018201920202021202320242025Change
Profit (loss) for the period9904€0.6m-€0.07m-€0.1m-€0.07m-€0.2m-€0.007m€0.03m▲ 537%
+ Depreciation and write-downs630€0.02m€0.04m€0.03m€0.03m€0.06m€0.04m€0.04m▲ 5.8%
Operating cash flow (approximation)€0.7m-€0.03m-€0.08m-€0.04m-€0.1m€0.04m€0.07m▲ 105%
Investment in fixed assets (approximation)--€2.1m-€0.02m-€0.01m--€0.3m-€18.7m▼ 7,174%
Change in cash--€1.6m-€0.001m€0.06m-€0.02m-€0.02m▼ 202%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Public contracts: not fully processed yet. The notices from June 2018 to September 2026 are still being read.

Directors

Directors
No directors read yet: 0 of 6 Gazette acts processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

Group and network

Holdings and subsidiaries

5 holdings

Holdings 5

Source for every holding own accounts 30-12-2025

According to the annual accounts to 30-12-2025 of K-INVEST and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. 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 include these statements in its annual accounts, or does not have to, is not listed.

Connections & network

Depth

The board mandates are listed below; here you explore them as a network.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Board mandates elsewhere

3 board mandates
Board mandates of this companythis company sits on their board3
1 location
1 location

History

On 4 February 2009, K-INVEST was incorporated.1 Total assets went from €4.3m in 2018 to €24.3m in 2025.2

  1. 1KBO (Crossroads Bank for Enterprises)
  2. 2National Bank, annual accounts 2018 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 30-07-2027
2026
14-08
Gazette deed General meeting · Demerger
Legal form clause · Name clause
30-06
NBB filing Annual accounts filed
financial year 2025 · abbreviated format
20-05
Gazette deed Board meeting · Director reappointment
Permanent representative · General meeting
20-05
Gazette deed General meeting · Director reappointment
Board meeting
2025
30-12
Financial Back to profitnet €28,543
Net result €28,543 after 5 loss-making years.
30-12
Financial Equity above €10mequity €21.5m ▲605%
Equity rises from €3.0m to €21.5m.
24-07
NBB filing Annual accounts filed
financial year 2024 · abbreviated format
2024
31-07
NBB filing Annual accounts filed
financial year 2023 · abbreviated format · 1 day late
2023
30-12
Financial Weakest financial yearnet -€176,373
Net result drops to -€176,373, the lowest in the series; recovery starts the following year.
2022
12-08
NBB filing Annual accounts filed
financial year 2021 · abbreviated format · 12 days late
2021
10-06
NBB filing Annual accounts filed
financial year 2020 · abbreviated format
2020
08-09
NBB filing Annual accounts filed
financial year 2019 · abbreviated format · 39 days late
Show earlier events
2019
04-09
NBB filing Annual accounts filed
financial year 2018 · abbreviated format · 35 days late
2018
31-08
NBB filing Annual accounts filed
financial year 2017 · abbreviated format · 31 days late
2017
19-09
NBB filing Annual accounts filed
financial year 2016 · abbreviated format · 50 days late
2016
30-08
NBB filing Annual accounts filed
financial year 2015 · abbreviated format · 30 days late
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 15 annual accounts filed, the latest 10 are here; all are under Financials.
0 of 6 deeds read
About the unread acts

We know of 6 Belgian Official Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company
Founded04-02-2009
Financial year end30-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
E-invoicing
Reachable via Peppol
Peppol ID 0208:0809915653
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 10 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits

1 application in Flanders since 2025 · 1 refused
Hoogstammige bomen vellen die geen deel uitmaken van een bos
Refused on 03-12-2025submitted 18-08-2025Subdivisionauthority: Herzeleproject 2025098271

Source: Omgevingsloket Vlaanderen. Flanders only: Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Evergem · 1 establishment unit since 2009
registered office establishment The establishment unit on the map
Ground area
5,742 m²
Building footprint
1,801 m²
Building volume
9,013 m³
Parcel 44019B0647/00P000, Flanders · tallest building 8.0 m. Linked by address, not a title deed.
13 companies at this address See who is registered here
1 establishment unit
K-INVEST
Finlandstraat 11, 9940 EvergemInsurance agents and brokers
since 2009unit no. 2.177.788.174
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
44019B0647/00P000 Flanders 5,742 m² 1 · 1,801 m² 8.0 m · 1
How the parcels are linked
Good to know
The parcel matches the address exactly.