Vanbever Invest
ActiveVanbever Invest has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.35M and a net result of €59k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 86% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €450k at 30 days acceptable
Liquidity ample (current ratio 12.28 against 13.69 in 2024; short-term debt: 2.8% and cash: 18.3% of total assets), and 11.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
88.4%
Return on assets
1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
31 d early
2023
42 d early
2022
55 d early
2021
41 d early
2020
11 d late
2019
8 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€59k
2024 · €-8k
2018: €155k
2019: €247k
2020: €471k
2021: €59k
2022: €-64k
2023: €26k
2024: €-8k
2018 → 2025
Working capital
€1.92M▼ 12.3%
2024 · €2.19M
2018: €1.46M
2019: €1.32M
2020: €1.84M
2021: €1.78M
2022: €1.93M
2023: €2.19M
2024: €2.19M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.39M-€5.33M▼ 1.2%€5.35M▲ 0.5%€5.34M▼ 0.2%€5.35M=
Operating result€50k-€-105k€-4k▲ 96.5%€-46k▼ 1,131%€-29k▲ 36.7%
Net result€59k-€-64k€26k€-8k€59k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29k in 2025 against €46k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.05M
Fixed assets
€3.96M▲ 4.9%
Current assets
€2.09M▼ 11.5%
Equity and liabilities €6.05M
Equity
€5.35M=
Provisions
€389k▼ 10.8%
Debt
€313k▼ 11.3%
The debt ratio falls from 5.8% to 5.2%. Debt is lower.
Key figures and ratios
EBITDA
€347k▼
2024 · €368k
Cash flow
€435k▲
2024 · €406k
Solvency
88.4%▲
2024 · 87.1%
Current ratio
12.28▼
2024 · 13.69
Quick ratio
12.28▼
2024 · 13.69
Debt / equity
0.06▼
2024 · 0.07
ROE
1.1%▲
2024 · -0.2%
ROA
1.0%▲
2024 · -0.1%
Interest coverage
35.61▲
2024 · 32.37
Debt
€313k▼
2024 · €353k
Debt ≤ 1 year
€170k▼
2024 · €172k
Debt > 1 year
€143k▼
2024 · €181k
Income taxes
€36k▼
2024 · €40k
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€6.13M€6.05M▼
Fixed assets21/28€3.77M€3.96M▲
Tangible fixed assets22/27€3.77M€3.96M▲
Land and buildings22€3.77M€3.77M▼
Assets under construction and advance payments27-€188k
Current assets29/58€2.36M€2.09M▼
Amounts receivable within one year40/41€1.06M€981k▼
Trade receivables40€0€4k▲
Other amounts receivable41€1.06M€977k▼
Cash at bank and in hand54/58€1.30M€1.11M▼
Equity and liabilities
Total equity and liabilities10/49€6.13M€6.05M▼
Equity10/15€5.34M€5.35M=
Contributions10/11€1.68M€1.68M=
Capital10€1.68M€1.68M=
Issued capital100€1.68M€1.68M=
Reserves13€1.91M€1.80M▼
Non-distributable reserves130/1€168k€168k=
Legal reserve130€168k€168k=
Tax-exempt reserves132€1.03M€925k▼
Distributable reserves133€711k€711k=
Profit (loss) carried forward14€1.76M€1.86M▲
Provisions and deferred taxes16€437k€389k▼
Deferred taxes168€437k€389k▼
Amounts payable17/49€353k€313k▼
Amounts payable after more than one year17€181k€143k▼
Financial debts170/4€181k€143k▼
Amounts payable within one year42/48€172k€170k▼
Current portion of amounts payable after more than one year42€36k€38k▲
Trade debts44€126k€123k▼
Suppliers440/4€126k€123k▼
Taxes, remuneration and social security45€0€10k▲
Taxes450/3€0€10k▲
Other amounts payable47/48€10k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€414k€376k▼
Other operating charges640/8€71k€95k▲
Gross operating margin9900€439k€442k▲
Operating profit (loss)9901€-46k€-29k▲
Financial income75/76B€30k€29k▼
Recurring financial income75€30k€29k▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€-27k€-10k▲
Transfer from deferred taxes780€60k€105k▲
Income taxes67/77€40k€36k▼
Profit (loss) for the period9904€-8k€59k▲
Transfer from tax-exempt reserves789€141k€47k▼
Profit (loss) for the period to be appropriated9905€133k€106k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.76M€1.86M▲
Profit (loss) brought forward from the previous period14P€1.62M€1.76M▲
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
31-12
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-64k ▼210%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Highest result since 2018net €471k ▲90.2%
Operating result €649k, net result €471k, both a record.
31-12
Financial
Equity above €5MEq €5.33M ▲9.7%
3 profitable years in a row build equity to €5.33M.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 23 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
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
5 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, Brussel · 1 establishment unit since 1989
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.
Verdunstraat 277-2791130 BrusselGround area
737 m²
Building footprint
715 m²
Volume, LiDAR
3,996 m³
Parcel 21821A0364/00N002, Brussels · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Verdunstraat 277-279, 1130 Brussel
since 19892.319.757.275
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21821A0364/00N002 | Brussels | 736 m² | 1 · 715 m² | 11.3 m · 2 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.
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Of 11,750 companies in sector 68310 we hold annual accounts for 6,908. 1,575 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-03-1989
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.