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TOR-Invest

Active
Private limited companyfounded 2013active for 13 yearsTynecotstraat 15, 8980 Zonnebeke, BelgiumKBO/BCE: BE 0536.479.977

From the official registers: KBO 12 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

TOR-Invest has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€385,348) and a net result of -€8,730. Equity has been shrinking by about 2.7% per year since 2019. The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

KBO
Status
Active since 05-07-2013 Normal situation
Activity
“De bemiddeling in en het beheer van onroerende goederen of rechten van derden;het verwerven,het…” (deed in Dutch)From the articles, 13 activitiesNo NACE code in the KBO yet
Establishment unit
2.220.642.873 8980 Zonnebeke, since 05-07-2013
Financial year end
30 September
Peppol
Reachable since 12-12-2025

Board and ownership

Board
  • L&D INVESTDirector · since 26-12-2023

Financial position

54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts to 30-09-2025
Gross margin
€47,506
▲ 14.0%
Turnover
≈ €170,000
estimated
Loss
€8,730
▼ 36.5%
Equity
-€385,348
▼ 2.3%
Total assets
€991,363
▼ 9.4%
Filed on 29-04-2026, 1 day before the deadlinePDF
Score breakdownraises riskCapped at 59: negative equityNegative equity -€385,348Liquidity: current ratio 0.85, cash €20,310, halvedlowers riskSize: total assets €991,363No main activity registeredShow the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 33% of micro companies without a NACE code
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 0=
equity -38.9% of total assets
Liquidity 53-6
short-term debt 2.6% · cash 2.0%
Profitability 68+1
return on assets -0.9%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024lowest value 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.3%▲ +0.1 percentage points vs 03-2025 05-2025: 0.4%▲ +0.1 percentage points vs 04-2025highest value 06-2025: 0.2%▼ -0.2 percentage points vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.3%▲ +0.1 percentage points vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.85 (7.8 in 2024), below 1. Short-term debt is 2.6% and cash 2% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 47% on liquidity, 45% on profitability and 37% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €991,363
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Negative equity -€385,348
NBB · annual accounts
raises risk · Liquidity: current ratio 0.85, cash €20,310, halved
NBB · annual accounts
lowers risk · No main activity registered
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year -€385,348
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 day early
2024
on the day
2023
3 days early
2022
2 days late
2021
2 days late
2020
on the day
2019
3 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 7 accounts on average on the deadline day. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 30 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end01-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€385,348 View
  • Risk: 7 loss-making years in a rowloss in financial year 2025 -€8,730 View

Documents

Annual accounts at the NBB

All 12 annual accounts

Articles and registers

Key facts about TOR-Invest

What is the company number of TOR-Invest?
The company number of TOR-Invest is 0536.479.977. The VAT number is the same number with BE in front: BE 0536.479.977.
Where is TOR-Invest based?
The registered office is at Tynecotstraat 15, 8980 Zonnebeke.Company details
What is the legal form of TOR-Invest?
The legal form of TOR-Invest is Private limited company (BV).
When was TOR-Invest founded?
TOR-Invest was founded on 05-07-2013.
Is TOR-Invest still active?
Yes, TOR-Invest is an active enterprise in the KBO register.
What is the turnover of TOR-Invest?
The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €47,506 and 1,222 comparable companies of the same size. It probably lies between €90,000 and €320,000. It is a rough estimate.Financials
Is TOR-Invest profitable?
In financial year 2025, TOR-Invest made a loss of €8,730.
Where can I find the annual accounts of TOR-Invest?
TOR-Invest filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of TOR-Invest due?
TOR-Invest must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

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