M - INVEST
ActiveM - INVEST has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+1
Solvency26▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 18237 sector peers (2025).
NBB · sector comparisonPosition among 18237 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
27 d late
2021
25 d late
2020
19 d late
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€89k
EBIT margin
-4.6%
Net result
€7k▲ 22.6%
2024 · €6k
2019: €2k
2020: €-7k
2021: €-4k
2022: €202
2023: €9k
2024: €6k
2019 → 2025
Working capital
€-24k▲ 29.7%
2024 · €-34k
2019: €-56k
2020: €-58k
2021: €-58k
2022: €-54k
2023: €-42k
2024: €-34k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€89k-
Equity€-20k-€-20k▲ 1.0%€-10k▲ 46.9%€-5k▲ 53.1%€2k
Operating result€-4k-€202€9k▲ 4,463%€6k▼ 38.6%€7k▲ 21.7%
Net result€-4k-€202€9k▲ 4,463%€6k▼ 39.8%€7k▲ 22.6%
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 recovers in 2025; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176k
Fixed assets
€34k▼ 8.6%
Current assets
€142k▲ 2.7%
Equity and liabilities €176k
Equity
€2k
Debt
€174k
Debt finances 98.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€10k▲
2024 · €9k
Cash flow
€10k▲
2024 · €9k
Solvency
1.1%▲
2024 · -2.8%
Current ratio
0.86▲
2024 · 0.80
Quick ratio
0.24▲
2024 · 0.21
Debt / equity
91.26▲
2024 · -36.74
ROE
357.2%
ROA
3.9%▲
2024 · 3.2%
Interest coverage
114.85▲
2024 · 76.12
Debt
€174k▼
2024 · €180k
Debt ≤ 1 year
€166k▼
2024 · €172k
Debt > 1 year
€8k=
2024 · €8k
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€175k€176k▲
Fixed assets21/28€37k€34k▼
Tangible fixed assets22/27€37k€34k▼
Land and buildings22€37k€34k▼
Current assets29/58€138k€142k▲
Stocks and contracts in progress3€103k€103k=
Stocks30/36€103k€103k=
Amounts receivable within one year40/41€759€2k▲
Trade receivables40€182€191▲
Other amounts receivable41€577€2k▲
Cash at bank and in hand54/58€35k€37k▲
Equity and liabilities
Total equity and liabilities10/49€175k€176k▲
Equity10/15€-5k€2k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Profit (loss) carried forward14€-67k€-60k▲
Amounts payable17/49€180k€174k▼
Amounts payable after more than one year17€8k€8k=
Financial debts170/4€8k€8k=
Amounts payable within one year42/48€172k€166k▼
Trade debts44€58€968▲
Suppliers440/4€58€968▲
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48€169k€165k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€10k€12k▲
Operating profit (loss)9901€6k€7k▲
Financial charges65/66B€114€87▼
Recurring financial charges65€114€87▼
Profit (loss) for the period before taxes9903€6k€7k▲
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-67k€-60k▲
Profit (loss) brought forward from the previous period14P€-72k€-67k▲
The notes to these accounts (4 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €9k ▲4463%
Operating result €9k, net result €9k, both a record.
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
30-06
Financial
Back to profitnet €202
Net result €202 after 2 loss-making years.
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
30-06
Financial
Weakest financial yearnet €-7k ▼433%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
09-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Aarschot · 1 establishment unit since 1993
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.
Liersesteenweg 433200 AarschotGround area
1,071 m²
Building footprint
762 m²
Volume, LiDAR
2,919 m³
Parcel 24001A0248/00Z002, Flanders · tallest building 9.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
M-INVEST
since 19932.061.478.543
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24001A0248/00Z002 | Flanders | 1,071 m² | 1 · 762 m² | 9.6 m · 1 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
SAINT-GABRIEL AUTOS
BE 0674.575.414
Sint-Jans-Molenbeek · Eq €2k
PRESTIGE MOTORS
BE 0768.241.186
Tournai · Eq €2k
SK Automotive
BE 0760.543.841
Antwerpen · Eq €2k
YELLOW SUBMARINE
BE 0444.784.986
Ukkel · Eq €2k
Autocenter Waas
BE 1030.097.240
Temse · Eq €2k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 936 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-06-1992
Fiscal year end30-06
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.