Foca Invest
ActiveSummary
Foca Invest has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €341k and a net result of €61k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 20% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-2
Solvency36▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.49 against 0.32 in 2024; short-term debt: 9.8% and cash: 1% of total assets), and 88.9% of the assets are financed with debt.
Credit advice for your own amount and term
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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
11.1%
Return on assets
2%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 7750 sector peers (2025).
NBB · sector comparisonPosition among 7750 sector peers
Solvency
better than 20%
← 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 30-08-2026, 30 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
30 d late
2024
30 d late
2023
14 d early
2022
3 d early
2021
31 d late
2020
30 d late
2019
69 d late
← 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, micro schema
Equity
€341k▲ 6.2%
2024 · €321k
2018: €60k
2019: €133k
2020: €214k
2021: €229k
2022: €258k
2023: €283k
2024: €321k
2018 → 2025
Total assets
€3.06M▲ 13.9%
2024 · €2.69M
2018: €1.36M
2019: €2.15M
2020: €2.36M
2021: €2.54M
2022: €2.47M
2023: €2.68M
2024: €2.69M
2018 → 2025
Net result
€61k▼ 26.2%
2024 · €83k
2018: €27k
2019: €73k
2020: €82k
2021: €14k
2022: €29k
2023: €25k
2024: €83k
2018 → 2025
Working capital
€-153k▼ 2.2%
2024 · €-149k
2018: €-67k
2019: €23k
2020: €72k
2021: €-31k
2022: €-18k
2023: €-118k
2024: €-149k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€229k-€258k▲ 12.8%€283k▲ 9.6%€321k▲ 13.5%€341k▲ 6.2%
Operating result€56k-€77k▲ 37.5%€74k▼ 4.8%€141k▲ 92.0%€138k▼ 2.2%
Net result€14k-€29k▲ 106%€25k▼ 15.7%€83k▲ 236%€61k▼ 26.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.06M
Fixed assets
€2.91M ▲ 11.3%
Current assets
€147k ▲ 110%
Equity and liabilities €3.06M
Equity
€341k ▲ 6.2%
Provisions
€5k ▼ 5.3%
Debt
€2.71M ▲ 15.0%
Debt's share of the balance-sheet total rises from 87.9% to 88.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€332k▲
2024 · €288k
Cash flow
€255k▲
2024 · €230k
Current ratio
0.49▲
2024 · 0.32
Debt to equity
7.96▲
2024 · 7.35
ROE
18.0%▼
2024 · 25.9%
ROA
2.0%▼
2024 · 3.1%
Interest coverage
5.98▼
2024 · 6.54
Debt ≤ 1 year
€300k▲
2024 · €220k
Debt > 1 year
€2.41M▲
2024 · €2.14M
Income taxes
€22k▲
2024 · €14k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.69M€3.06M▲
Fixed assets21/28€2.61M€2.91M▲
Tangible fixed assets22/27€2.61M€2.91M▲
Land and buildings22€2.61M€2.91M▲
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€440€220▼
Current assets29/58€70k€147k▲
Amounts receivable within one year40/41€32k€117k▲
Trade receivables40€32k€117k▲
Other amounts receivable41€16-
Cash at bank and in hand54/58€38k€30k▼
Deferred charges and accrued income490/1€833€833=
Equity and liabilities
Total equity and liabilities10/49€2.69M€3.06M▲
Equity10/15€321k€341k▲
Contributions10/11€8k€8k=
Reserves13€313k€332k▲
Tax-exempt reserves132€14k€14k▼
Distributable reserves133€299k€319k▲
Profit (loss) carried forward14€114€267▲
Provisions and deferred taxes16€5k€5k▼
Deferred taxes168€5k€5k▼
Amounts payable17/49€2.36M€2.71M▲
Amounts payable after more than one year17€2.14M€2.41M▲
Financial debts170/4€2.14M€2.41M▲
Amounts payable within one year42/48€220k€300k▲
Current portion of amounts payable after more than one year42€149k€163k▲
Trade debts44€3k€61k▲
Suppliers440/4€3k€61k▲
Taxes, remuneration and social security45€16k€19k▲
Taxes450/3€16k€19k▲
Other amounts payable47/48€52k€57k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€147k€194k▲
Other operating charges640/8€15k€94k▲
Gross operating margin9900€304k€426k▲
Operating profit (loss)9901€141k€138k▼
Financial income75/76B€10€1▼
Recurring financial income75€10€1▼
Financial charges65/66B€44k€55k▲
Recurring financial charges65€44k€55k▲
Profit (loss) for the period before taxes9903€97k€83k▼
Transfer from deferred taxes780€252€252=
Income taxes67/77€14k€22k▲
Profit (loss) for the period9904€83k€61k▼
Transfer from tax-exempt reserves789€755€755=
Profit (loss) for the period to be appropriated9905€84k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€62k▼
Profit (loss) brought forward from the previous period14P€265€114▼
Transfer from equity791/2-€42k
Transfer to equity691/2€39k€62k▲
To other reserves6921€39k€62k▲
Profit to be distributed694/7€45k€42k▼
Return on contributions (dividend)694-€42k
Directors or managers695€45k-
The notes to these accounts (9 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €83k ▲236%
Operating result €141k, net result €83k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €14k ▼82.5%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €200kEq €214k ▲61.4%
3 profitable years in a row build equity to €214k.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 1.18
Current ratio from 0.40 to 1.18.
31-12
Financial
Equity above €100kEq €133k ▲123%
2 profitable years in a row build equity to €133k.
Show earlier events
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-07
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
4 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, Lede · 1 establishment unit since 2010
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.
Grote Steenweg 1059340 LedeGround area
916 m²
Building footprint
177 m²
Volume, LiDAR
1,249 m³
Parcel 41052E0052/00D000, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FOCA INVEST
since 20102.195.293.508
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41052E0052/00D000 | Flanders | 916 m² | 1 · 177 m² | 12.1 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
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M@tis
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Wortegem-Petegem · Eq €340,569
SKG
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Ternat · Eq €340,472
GALENO
BE 0844.092.317
Nazareth-De Pinte · Eq €340,302
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 6,387 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
Founded23-11-2010
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.