ENGELEN 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 €743k and a net result of €4k. Equity is growing by ~36.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 2394 sector peers (fiscal year 2025). The company has been active since 1996 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
58 d early
2023
50 d early
2022
45 d early
2021
39 d early
2020
17 d early
2019
36 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
Equity
€743k▲ 0.5%
2024 · €739k
2018: €-22k
2019: €-8k
2020: €174k
2021: €313k
2022: €301k
2023: €298k
2024: €739k
2018 → 2025
Net result
€4k▼ 99.2%
2024 · €441k
2018: €19k
2019: €14k
2020: €181k
2021: €140k
2022: €-13k
2023: €-2k
2024: €441k
2018 → 2025
Total assets
€784k▼ 1.9%
2024 · €799k
2018: €1.32M
2019: €1.25M
2020: €782k
2021: €526k
2022: €438k
2023: €420k
2024: €799k
2018 → 2025
Solvency
94.7%▲ 2.2pp
2024 · 92.5%
2018: -1.7%
2019: -0.6%
2020: 22.2%
2021: 59.6%
2022: 68.7%
2023: 71.1%
2024: 92.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€313k-€301k▼ 4.1%€298k▼ 0.7%€739k▲ 148%€743k▲ 0.5%
Operating result€200k-€-14k€-2k▲ 88.3%€586k€4k▼ 99.3%
Net result€140k-€-13k€-2k▲ 83.3%€441k€4k▼ 99.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €784k
Fixed assets
€70k▼ 12.4%
Current assets
€714k▼ 0.7%
Equity and liabilities €784k
Equity
€743k▲ 0.5%
Debt
€41k▼ 31.1%
The debt ratio falls from 7.5% to 5.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
94.7%▲
2024 · 92.5%
ROE
0.5%▼
2024 · 59.6%
ROA
0.5%▼
2024 · 55.1%
Debt
€41k▼
2024 · €60k
Debt ≤ 1 year
€39k▼
2024 · €58k
Income taxes
€2k▼
2024 · €145k
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€799k€784k▼
Fixed assets21/28€80k€70k▼
Tangible fixed assets22/27€80k€70k▼
Land and buildings22€62k€61k▼
Furniture and vehicles24€18k€10k▼
Current assets29/58€719k€714k▼
Amounts receivable within one year40/41€553k€511k▼
Trade receivables40€11k€10k▼
Other amounts receivable41€542k€501k▼
Cash at bank and in hand54/58€165k€202k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€799k€784k▼
Equity10/15€739k€743k▲
Contributions10/11€102k€102k=
Capital10€102k€102k=
Issued capital100€102k€102k=
Reserves13€32k€32k=
Non-distributable reserves130/1€32k€32k=
Legal reserve130€32k€32k=
Profit (loss) carried forward14€605k€609k▲
Amounts payable17/49€60k€41k▼
Amounts payable within one year42/48€58k€39k▼
Trade debts44€767€745▼
Suppliers440/4€767€745▼
Taxes, remuneration and social security45€0€1k▲
Taxes450/3€0€1k▲
Other amounts payable47/48€57k€37k▼
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€5k€5k▼
Gross operating margin9900€601k€19k▼
Operating profit (loss)9901€586k€4k▼
Financial income75/76B€522€1k▲
Recurring financial income75€522€1k▲
Financial charges65/66B€104€127▲
Recurring financial charges65€104€127▲
Profit (loss) for the period before taxes9903€586k€5k▼
Income taxes67/77€145k€2k▼
Profit (loss) for the period9904€441k€4k▼
Profit (loss) for the period to be appropriated9905€441k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€605k€609k▲
Profit (loss) brought forward from the previous period14P€164k€605k▲
The notes to these accounts (3 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
12-08
State Gazette act
Board meeting · Registered-office move
Director appointment
28-07
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
28-07
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €441k
Net result €441k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 12.48
Current ratio from 2.39 to 12.48; short-term debt falls from €118k to €58k.
31-12
Financial
Equity above €500kEq €739k ▲148%
Equity rises from €298k to €739k.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-13k ▼109%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 1.81
Current ratio from 0.88 to 1.81; short-term debt falls from €386k to €206k.
31-12
Financial
Equity above €200kEq €313k ▲80.6%
4 profitable years in a row build equity to €313k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150kEq €174k
3 profitable years in a row build equity to €174k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Niel · 1 establishment unit since 1996
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.
Anna Bijnsstraat 32845 NielGround area
976 m²
Building footprint
291 m²
Volume, LiDAR
1,525 m³
Parcel 11030C0086/00P000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ENGELEN INVEST NV
since 19962.077.341.310
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11030C0086/00P000 | Flanders | 976 m² | 1 · 291 m² | 8.2 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.
Structure & network
Ownership & control
2 partiesENGELEN INVESTBE 0458.360.632
controls
Where this company holds controlthis company sits on their board2
1 location
1 location
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Of 807 companies in sector 64999 we hold annual accounts for 484. 268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-06-1996
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
65236
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.