WHOLE-INVEST
ActiveSummary
WHOLE-INVEST has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€52,173) and a net result of €4,341. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 14173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70=
Solvency12▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.17 against 0.11 in 2024; short-term debt: 112.7% and cash: 17.3% of total assets), and equity is negative.
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Signals
Five 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-13.1%
Return on assets
1.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 14173 sector peers (2025).
NBB · sector comparisonPosition among 14173 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
19 d late
2023
43 d early
2022
3 d late
2021
33 d early
2020
44 d early
2019
19 d 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 8 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€52,173▲ 7.7%
2024 · -€56,514
Total assets
€399,136▲ 2.5%
2024 · €389,241
Net result
€4,341▲ 79.1%
2024 · €2,424
Working capital
-€374,923▲ 5.5%
2024 · -€396,538
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€20,149▲ 68.1%-€20,386▼ 1.2%€5,120€2,438▼ 52.4%€4,386▲ 79.9%
Net result-€20,186▲ 68.5%-€19,240▲ 4.7%€5,330€2,424▼ 54.5%€4,341▲ 79.1%
Equity-€45,028▼ 81.3%-€64,268▼ 42.7%-€58,938▲ 8.3%-€56,514▲ 4.1%-€52,173▲ 7.7%
Total assets€398,426▲ 39.4%€382,090▼ 4.1%€388,666▲ 1.7%€389,241▲ 0.1%€399,136▲ 2.5%
Debt€443,454▲ 42.8%€446,359▲ 0.7%€447,604▲ 0.3%€445,755▼ 0.4%€451,309▲ 1.2%
Working capital-€434,616▼ 69.2%-€437,552▼ 0.7%-€415,919▲ 4.9%-€396,538▲ 4.7%-€374,923▲ 5.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 80% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399,136
Fixed assets
€324,375 ▼ 4.8%
Current assets
€74,761 ▲ 53.9%
Key figures and ratios
EBITDA
€20,689▲
2024 · €18,741
Cash flow
€20,644▲
2024 · €18,727
Solvency
-13.1%▲
2024 · -14.5%
Current ratio
0.17▲
2024 · 0.11
Debt to equity
-8.65▼
2024 · -7.89
ROA
1.1%▲
2024 · 0.6%
Interest coverage
459.75▲
2024 · 430.82
Debt ≤ 1 year
€449,684▲
2024 · €445,101
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,175 | €16,303 | €16,303 | €16,303 | €16,303 | = |
| Other operating charges640/8 | €2,653 | €348 | €384 | €1,706 | €1,760 | ▲ 3.2% |
| Gross operating margin9900 | -€3,322 | -€3,735 | €21,808 | €20,447 | €22,449 | ▲ 9.8% |
| Operating profit (loss)9901 | -€20,149 | -€20,386 | €5,120 | €2,438 | €4,386 | ▲ 79.9% |
| Financial income75/76B | - | €1,185 | €249 | €30 | - | - |
| Recurring financial income75 | - | €1,185 | €249 | €30 | - | - |
| Financial charges65/66B | €37 | €39 | €39 | €44 | €45 | ▲ 3.4% |
| Recurring financial charges65 | €37 | €39 | €39 | €44 | €45 | ▲ 3.4% |
| Profit (loss) for the period before taxes9903 | -€20,186 | -€19,240 | €5,330 | €2,424 | €4,341 | ▲ 79.1% |
| Profit (loss) for the period9904 | -€20,186 | -€19,240 | €5,330 | €2,424 | €4,341 | ▲ 79.1% |
| Profit (loss) for the period to be appropriated9905 | -€20,186 | -€19,240 | €5,330 | €2,424 | €4,341 | ▲ 79.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €398,426 | €382,090 | €388,666 | €389,241 | €399,136 | ▲ 2.5% |
| Fixed assets21/28 | €389,587 | €373,284 | €356,981 | €340,678 | €324,375 | ▼ 4.8% |
| Tangible fixed assets22/27 | €389,587 | €373,284 | €356,981 | €340,678 | €324,375 | ▼ 4.8% |
| Land and buildings22 | €389,587 | €373,284 | €356,981 | €340,678 | €324,375 | ▼ 4.8% |
| Current assets29/58 | €8,839 | €8,806 | €31,685 | €48,563 | €74,761 | ▲ 53.9% |
| Amounts receivable within one year40/41 | €6,048 | €1,973 | €1,434 | €7,353 | €625 | ▼ 91.5% |
| Trade receivables40 | - | €1,434 | €1,434 | €7,353 | €625 | ▼ 91.5% |
| Other amounts receivable41 | €6,048 | €539 | - | - | - | - |
| Cash at bank and in hand54/58 | €2,791 | €6,834 | €29,570 | €36,210 | €69,136 | ▲ 90.9% |
| Deferred charges and accrued income490/1 | - | - | €682 | €5,000 | €5,000 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €398,426 | €382,090 | €388,666 | €389,241 | €399,136 | ▲ 2.5% |
| Equity10/15 | -€45,028 | -€64,268 | -€58,938 | -€56,514 | -€52,173 | ▲ 7.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €23,409 | €23,409 | €23,409 | €23,409 | €23,409 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €21,549 | €21,549 | €23,409 | €23,409 | €23,409 | = |
| Profit (loss) carried forward14 | -€87,038 | -€106,278 | -€100,947 | -€98,523 | -€94,182 | ▲ 4.4% |
| Amounts payable17/49 | €443,454 | €446,359 | €447,604 | €445,755 | €451,309 | ▲ 1.2% |
| Amounts payable within one year42/48 | €443,454 | €446,359 | €447,604 | €445,101 | €449,684 | ▲ 1.0% |
| Current portion of amounts payable after more than one year42 | - | €3,300 | €3,300 | €3,300 | €6,840 | ▲ 107% |
| Trade debts44 | €2,396 | - | - | €10 | €1,052 | ▲ 10,423% |
| Suppliers440/4 | €2,396 | - | - | €10 | €1,052 | ▲ 10,423% |
| Taxes, remuneration and social security45 | - | - | €1,246 | - | - | - |
| Taxes450/3 | - | - | €1,246 | - | - | - |
| Other amounts payable47/48 | €441,059 | €443,059 | €443,059 | €441,791 | €441,791 | = |
| Accrued charges and deferred income492/3 | - | - | - | €654 | €1,626 | ▲ 149% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€20,186 | -€19,240 | €5,330 | €2,424 | €4,341 | ▲ 79.1% |
| + Depreciation and write-downs630 | €14,175 | €16,303 | €16,303 | €16,303 | €16,303 | = |
| Operating cash flow (approximation) | -€6,011 | -€2,937 | €21,633 | €18,727 | €20,644 | ▲ 10.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €4,043 | €22,736 | €6,640 | €32,926 | ▲ 396% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €5,330
Net result €5,330 after 4 loss-making years.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€64,107
Net result drops to -€64,107, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Aarschot · 1 establishment unit since 2006
Ground area
2,687 m²
Building footprint
172 m²
Volume, LiDAR
549 m³
Parcel 24060I0093/00F000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
WHOLE-INVEST
since 20062.152.914.901
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24060I0093/00F000 | Flanders | 2,687 m² | 1 · 172 m² | 7.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
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OFFICE INVEST
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Of 7,326 companies in sector 68110 we hold annual accounts for 5,384. 3,082 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-03-2006
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
Contact
Phone
013/776875Aarschot
Scores and ratios are computed by Checked and are not a credit decision.