4X4 INVEST
ActiveSummary
4X4 INVEST has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.15M and a net result of €562k. Equity is growing by ~63.1% per year across the filed fiscal years. Its solvency ranks better than 21% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-18
Solvency44▲+5
Growth76▼-7
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 2.82 against 3.26 in 2024; short-term debt: 3.9% and cash: 0.2% of total assets), but 81.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
18.8%
Return on assets
4.9%
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 21% of 3187 sector peers (2025).
NBB · sector comparisonPosition among 3187 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 4 filingsDeviation from the deadline
2025
6 d late
2024
27 d early
2023
33 d early
2022
25 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€740k=
2024 · €740k
2022: €528k
2023: €602k
2024: €740k
2022 → 2025
EBIT margin
7.4%▼ 8.2pp
2024 · 15.6%
2022: 12.7%
2023: 11.4%
2024: 15.6%
2022 → 2025
Net result
€562k▼ 53.6%
2024 · €1.21M
2022: €316k
2023: €57k
2024: €1.21M
2022 → 2025
Working capital
€807k▼ 0.2%
2024 · €809k
2022: €-231k
2023: €-486k
2024: €809k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€528k-€602k▲ 14.0%€740k▲ 23.0%€740k=
Equity€323k-€380k▲ 17.6%€1.59M▲ 319%€2.15M▲ 35.3%
Operating result€67k-€69k▲ 2.5%€115k▲ 67.2%€55k▼ 52.5%
Net result€316k-€57k▼ 81.9%€1.21M▲ 2,028%€562k▼ 53.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.48M
Fixed assets
€10.22M =
Current assets
€1.25M ▲ 7.1%
Equity and liabilities €11.48M
Equity
€2.15M ▲ 35.3%
Debt
€9.32M ▼ 4.9%
Debt's share of the balance-sheet total falls from 86.0% to 81.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55k▼
2024 · €116k
Cash flow
€563k▼
2024 · €1.21M
Current ratio
2.82▼
2024 · 3.26
Debt to equity
4.33▼
2024 · 6.15
ROE
26.1%▼
2024 · 76.1%
ROA
4.9%▼
2024 · 10.6%
Interest coverage
0.49▼
2024 · 0.95
Debt ≤ 1 year
€443k▲
2024 · €359k
Debt > 1 year
€8.88M▼
2024 · €9.36M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11.39M€11.48M▲
Formation expenses20€638€319▼
Fixed assets21/28€10.22M€10.22M=
Financial fixed assets28€10.22M€10.22M=
Affiliated companies280/1€10.20M€10.20M=
Participating interests280€10.20M€10.20M=
Other financial fixed assets284/8€25k€25k=
Shares284€25k€25k=
Current assets29/58€1.17M€1.25M▲
Amounts receivable after more than one year29€135k€128k▼
Other amounts receivable291€135k€128k▼
Amounts receivable within one year40/41€443k€1.10M▲
Other amounts receivable41€443k€1.10M▲
Cash at bank and in hand54/58€589k€23k▼
Deferred charges and accrued income490/1€755€755=
Equity and liabilities
Total equity and liabilities10/49€11.39M€11.48M▲
Equity10/15€1.59M€2.15M▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€1.58M€2.15M▲
Amounts payable17/49€9.80M€9.32M▼
Amounts payable after more than one year17€9.36M€8.88M▼
Financial debts170/4€428k€258k▼
Credit institutions173€428k€258k▼
Other amounts payable178/9€8.93M€8.62M▼
Amounts payable within one year42/48€359k€443k▲
Current portion of amounts payable after more than one year42€347k€353k▲
Trade debts44€12k€84k▲
Suppliers440/4€12k€84k▲
Other amounts payable47/48-€7k
Accrued charges and deferred income492/3€87k€278▼
Income statement
Code20242025
Operating income70/76A€740k€740k=
Turnover70€740k€740k=
Operating charges60/66A€625k€686k▲
Services and other goods61€625k€685k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€319€319=
Operating profit (loss)9901€115k€55k▼
Financial income75/76B€1.22M€619k▼
Recurring financial income75€587k€619k▲
Income from financial fixed assets750€560k€580k▲
Income from current assets751€27k€40k▲
Other financial income752/9-€0
Non-recurring financial income76B€632k-
Financial charges65/66B€122k€112k▼
Recurring financial charges65€122k€112k▼
Debt charges650€121k€112k▼
Other financial charges652/9€187€125▼
Profit (loss) for the period before taxes9903€1.21M€562k▼
Profit (loss) for the period9904€1.21M€562k▼
Profit (loss) for the period to be appropriated9905€1.21M€562k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.58M€2.15M▲
Profit (loss) brought forward from the previous period14P€373k€1.58M▲
The notes to these accounts (28 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 6 days late
2025
31-12
Financial
Equity above €2MEq €2.15M ▲35.3%
4 profitable years in a row build equity to €2.15M.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Highest result since 2022net €1.21M ▲2028%
Operating result €115k, net result €1.21M, both a record.
31-12
Financial
Liquidity times 10current ratio 3.26
Current ratio from 0.31 to 3.26; short-term debt falls from €708k to €359k.
31-12
Financial
Equity above €1MEq €1.59M ▲319%
3 profitable years in a row build equity to €1.59M.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Weakest financial yearnet €57k ▼81.9%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Jemeppe-sur-Sambre
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.
Rue de la Vieille-Sambre,Morn. 1625190 Jemeppe-sur-SambreGround area
8,750 m²
Building footprint
671 m²
Volume, LiDAR
6,037 m³
Parcel 92090A0088/00P000, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92090A0088/00P000 | Wallonia | 8,750 m² | 1 · 671 m² | 10.7 m · 3 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.
Similar companies · same sector, comparable size
NOORD NATIE BEHEER
BE 0508.735.306
Antwerpen · Eq €2,154,293
CO.REsults
BE 0437.576.106
Sankt Vith · Eq €2,153,871
CREA BUILDING COMPANY
BE 0863.536.956
Asse · Eq €2,156,668
SCILLA
BE 0429.427.809
Zaventem · Eq €2,156,748
VA PROJECTS
BE 0839.565.880
Veurne · Eq €2,156,866
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 19,291 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.