T & E 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 €1.36M and a net result of €803k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 77% of 5498 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
on the day
2023
11 d early
2022
9 d early
2021
31 d early
2020
31 d early
2019
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.36M▲ 144%
2024 · €559k
2018: €203k
2019: €255k
2020: €305k
2021: €325k
2022: €335k
2023: €452k
2024: €559k
2018 → 2025
Net result
€803k▲ 407%
2024 · €158k
2018: €89k
2019: €95k
2020: €98k
2021: €96k
2022: €120k
2023: €160k
2024: €158k
2018 → 2025
Total assets
€1.67M▲ 162%
2024 · €637k
2018: €368k
2019: €363k
2020: €377k
2021: €423k
2022: €466k
2023: €783k
2024: €637k
2018 → 2025
Solvency
81.7%▼ 6.0pp
2024 · 87.7%
2018: 55.3%
2019: 70.3%
2020: 80.8%
2021: 76.8%
2022: 71.9%
2023: 57.7%
2024: 87.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€325k-€335k▲ 3.1%€452k▲ 34.8%€559k▲ 23.6%€1.36M▲ 144%
Operating result€138k-€133k▼ 3.4%€214k▲ 60.3%€231k▲ 8.0%€180k▼ 22.0%
Net result€96k-€120k▲ 24.5%€160k▲ 33.4%€158k▼ 0.7%€803k▲ 407%
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 falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.67M
Fixed assets
€619k▲ 81.1%
Current assets
€1.05M▲ 255%
Equity and liabilities €1.67M
Equity
€1.36M▲ 144%
Debt
€304k▲ 289%
The debt ratio rises from 12.3% to 18.3%. Equity and debt are higher.
Key figures and ratios
Solvency
81.7%▼
2024 · 87.7%
ROE
59.0%▲
2024 · 28.4%
ROA
48.2%▲
2024 · 24.9%
Debt
€304k▲
2024 · €78k
Debt ≤ 1 year
€154k▲
2024 · €71k
Debt > 1 year
€149k
Income taxes
€130k▲
2024 · €70k
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€637k€1.67M▲
Fixed assets21/28€342k€619k▲
Tangible fixed assets22/27€54k€332k▲
Land and buildings22-€289k
Furniture and vehicles24€54k€42k▼
Financial fixed assets28€287k€287k▼
Current assets29/58€295k€1.05M▲
Amounts receivable within one year40/41€3k€25k▲
Trade receivables40-€25k
Other amounts receivable41€3k€0▼
Current investments50/53€173k€700k▲
Cash at bank and in hand54/58€79k€322k▲
Deferred charges and accrued income490/1€41k€514▼
Equity and liabilities
Total equity and liabilities10/49€637k€1.67M▲
Equity10/15€559k€1.36M▲
Contributions10/11€6k€6k=
Reserves13€543k€1.35M▲
Distributable reserves133€543k€1.35M▲
Profit (loss) carried forward14€10k€10k=
Amounts payable17/49€78k€304k▲
Amounts payable after more than one year17-€149k
Financial debts170/4-€149k
Amounts payable within one year42/48€71k€154k▲
Current portion of amounts payable after more than one year42€8k€38k▲
Financial debts43-€19k
Credit institutions430/8-€19k
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€8k€62k▲
Taxes450/3€8k€62k▲
Other amounts payable47/48€53k€25k▼
Accrued charges and deferred income492/3€7k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€17k▲
Other operating charges640/8€794€37k▲
Gross operating margin9900€247k€233k▼
Operating profit (loss)9901€231k€180k▼
Financial income75/76B€7k€757k▲
Recurring financial income75€7k€757k▲
Non-recurring financial income76B-€155
Financial charges65/66B€10k€4k▼
Recurring financial charges65€10k€4k▼
Profit (loss) for the period before taxes9903€228k€933k▲
Income taxes67/77€70k€130k▲
Profit (loss) for the period9904€158k€803k▲
Profit (loss) for the period to be appropriated9905€158k€803k▲
Appropriation of the result
Profit (loss) to be appropriated9906€168k€812k▲
Profit (loss) brought forward from the previous period14P€10k€10k=
Transfer from equity791/2€52k€0▼
Transfer to equity691/2€158k€803k▲
To other reserves6921€158k€803k▲
Profit to be distributed694/7€52k€0▼
Return on contributions (dividend)694€52k€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (17 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
30-09
Financial
Highest result since 2018net €803k ▲407%
Net result €803k, the highest in the series.
30-09
Financial
Equity above €1MEq €1.36M ▲144%
8 profitable years in a row build equity to €1.36M.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity triplescurrent ratio 4.17
Current ratio from 1.30 to 4.17; short-term debt falls from €327k to €71k.
30-09
Financial
Equity above €500kEq €559k ▲23.6%
7 profitable years in a row build equity to €559k.
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kortemark · 1 establishment unit since 2011
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.
Werkenstraat 21B8610 KortemarkGround area
1,496 m²
Building footprint
213 m²
Volume, LiDAR
828 m³
2 parcels, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
T & E Invest
since 20112.200.435.793
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32005C0423/00L002 | Flanders | 1,134 m² | 1 · 136 m² | 6.8 m · 1 fl. |
| 31522C0410/00L000 | Flanders | 362 m² | 1 · 78 m² | 7.6 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
8945008FGWFFFXD4KX64
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 11,982 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2011
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.