GRAVITY INVEST
ActiveThe computed 12-month bankruptcy probability of GRAVITY INVEST is 3.5% (moderate). The 2025 annual accounts show equity of €16k and a net result of €-15k. Equity is growing by ~81.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 27619 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency68▼-1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.64 against 1.69 in 2024; short-term debt: 57% and cash: 8.2% of total assets), but 57% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
43%
Return on assets
-39.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
43 d late
2023
30 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 47.6%
2024 · €31k
2023: €-10k
2024: €31k
2023 → 2025
Total assets
€37k▼ 46.9%
2024 · €70k
2023: €17k
2024: €70k
2023 → 2025
Net result
€-15k
2024 · €41k
2023: €-12k
2024: €41k
2023 → 2025
Working capital
€14k▼ 50.2%
2024 · €27k
2023: €-10k
2024: €27k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-10k-€31k€16k▼ 47.6%
Operating result€-10k-€53k€-13k
Net result€-12k-€41k€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €53k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€2k▼ 25.4%
Current assets
€35k▼ 47.9%
Equity and liabilities €37k
Equity
€16k▼ 47.6%
Debt
€21k▼ 46.3%
The debt ratio rises from 56.4% to 57.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-12k▼
2024 · €53k
Cash flow
€-14k▼
2024 · €41k
Solvency
43.0%▼
2024 · 43.6%
Current ratio
1.64▼
2024 · 1.69
Quick ratio
0.37▼
2024 · 1.01
Debt / equity
1.32▲
2024 · 1.29
ROE
-91.0%▼
2024 · 132.6%
ROA
-39.1%▼
2024 · 57.8%
Interest coverage
-7.25▼
2024 · 17.20
Debt
€21k▼
2024 · €40k
Debt ≤ 1 year
€21k▼
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€70k€37k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€67k€35k▼
Stocks and contracts in progress3€27k€27k=
Stocks30/36€27k€27k=
Amounts receivable within one year40/41€33k€4k▼
Trade receivables40€30k€2k▼
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€7k€3k▼
Deferred charges and accrued income490/1-€870
Equity and liabilities
Total equity and liabilities10/49€70k€37k▼
Equity10/15€31k€16k▼
Contributions10/11€3k€3k=
Reserves13€28k€14k▼
Distributable reserves133€28k€14k▼
Profit (loss) carried forward14€82€14▼
Amounts payable17/49€40k€21k▼
Amounts payable within one year42/48€40k€21k▼
Trade debts44€30k€3k▼
Suppliers440/4€30k€3k▼
Taxes, remuneration and social security45€10k€10k=
Taxes450/3€10k€10k=
Other amounts payable47/48-€8k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€393€803▲
Other operating charges640/8€268€548▲
Non-recurring operating charges66A-€546
Gross operating margin9900€54k€-11k▼
Operating profit (loss)9901€53k€-13k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€50k€-15k▼
Income taxes67/77€9k-
Profit (loss) for the period9904€41k€-15k▼
Profit (loss) for the period to be appropriated9905€41k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€-14k▼
Profit (loss) brought forward from the previous period14P€-12k€82▲
Transfer from equity791/2-€28k
Transfer to equity691/2€28k€14k▼
To other reserves6921€28k€14k▼
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
14-08
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 25/09/2025
- Registered-office move, 50, rue des Piges à Fenasses à 6031 Monceau-sur-Sambre
2025
31-12
Financial
Weakest financial yearnet €-15k ▼136%
Net result drops to €-15k, the lowest in the series.
12-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 43 days late
2024
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.69
Current ratio from 0.62 to 1.69.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2023
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 des Piges à Fenasses 506031 CharleroiGround area
508 m²
Building footprint
131 m²
Volume, LiDAR
1,145 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GRAVITY INVEST
since 20232.341.055.507
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52047B0016/00P008 | Wallonia | 443 m² | 1 · 88 m² | 11.0 m · 3 fl. |
| 52067A0168/00K000 | Wallonia | 65 m² | 1 · 42 m² | 9.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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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Lummen · Eq €16k
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BE 0789.227.731
Dendermonde · Eq €16k
FRAGOSO & JE. INNOVATION
BE 1012.147.983
Sint-Gillis (bij-Brussel) · Eq €16k
Deracab
BE 0765.974.356
Hasselt · Eq €16k
ARENOV8
BE 0820.813.901
Jette · Eq €16k
Of 7,289 companies in sector 43350 we hold annual accounts for 2,361. 1,657 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2022
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.