InVST · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of InVST is 0.8% (low). The 2025 annual accounts show equity of €61k and a net result of €8k. Equity is growing by ~32.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 1081 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.8% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 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.

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	04-05-2026	4 d late	2026-00103174
30-09-2024	30-04-2025	28-05-2025	28 d late	2025-00109662
30-09-2023	30-04-2024	30-04-2024	on the day	2024-00076590
30-09-2022	30-04-2023	02-05-2023	2 d late	2023-00077671

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€8k-71.4%

Working capital€-145k-1237.0%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 04-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~32.2%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 82 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	24.7%	51.1%	better than 31% of 1081 sector peers
Net result	€8k	€24k	better than 30% of 1081 sector peers
Equity	€61k	€51k	better than 56% of 1082 sector peers
Gross operating margin	€34k	€45k	better than 40% of 1081 sector peers
Total assets	€249k	€116k	better than 75% of 1082 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P31

Stable position over 2022-2025 · n=1081-3174

Net result P30

Weakening position over 2022-2025 · n=1081-3173

Equity P56

Stable position over 2022-2025 · n=1082-3176

Gross operating margin P40

Stable position over 2022-2025 · n=1081-3173

Describes the position versus peers, not a forecast.

EBITDA

€34k

-40.1% 22-25

Net profit

€8k

-71.4% 22-25

Cash flow

€30k

-37.9% 22-25

Total assets

€249k

+85.4% 22-25

Equity

€61k

+15.1% 22-25

Working capital

€-145k

-1237.0% 22-25

Income taxes

€4k

-53.0% 22-25

Debt

€187k

+131.8% 22-25

Debt ≤ 1y

€182k

+182.6% 22-25

Debt > 1y

€6k

-66.5% 22-25

Current ratio

0.20

-75.4% 22-25

Quick ratio

0.20

-75.4% 22-25

Solvency

24.7%

-37.9% 22-25

Debt / equity

3.05

+101.4% 22-25

ROE

13.2%

-75.2% 22-25

ROA

3.3%

-84.6% 22-25

Interest coverage

67.94

-22.2% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€34k
Net profit	€8k
Cash flow	€30k
Staff costs	-
Income taxes	€4k
Dividends	-
Total assets	€249k
Equity	€61k
Debt	€187k
of which ≤ 1y	€182k
of which > 1y	€6k
Working capital	€-145k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.20
Quick ratio	0.20
Working capital ratio	-58.1%
Solvency	24.7%
Debt / equity	3.05
Long-term debt ratio	0.09
Interest coverage	67.94
Gross margin	-
Net margin	-
ROA	3.3%
ROE	13.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €212k · 85.1% Current assets €37k · 14.9%

Equity & liabilities

Equity €61k · 24.7% Debt €187k · 75.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€249k
Fixed assets	21/28	€212k
Tangible fixed assets	22/27	€62k
Financial fixed assets	28	€150k
Current assets	29/58	€37k
Amounts receivable within one year	40/41	€5k
Cash & bank	54/58	€30k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€249k
Equity	10/15	€61k
Contributions / capital	10/11	€2k
Reserves	13	€59k
Amounts payable	17/49	€187k
Amounts payable after one year	17	€6k
Amounts payable within one year	42/48	€182k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€34k
Operating result	9901	€13k
Financial income	75	€0
Financial charges	65	€505
Result before taxes	9903	€12k
Income taxes	67/77	€4k
Net result for the period	9904	€8k
Result to be appropriated	9905	€8k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

43 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

1 director

Current directors & mandates

Laplace Charlotte
Director
State Gazette act 22139781 (28-11-2022)

Current
30-09-2022 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Overige zakelijke dienstverlening, neg(82990)
Legal form	Private limited company(610)
Incorporation	13-09-2021
Status	Active
Postal code	1831

Structure & network

Locations & real estate

Establishment units

1 location

Culliganlaan 2, 1831 Machelen (Brab.)

Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.

since 20212.322.574.928

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area3.4 ha

Buildings1

Building footprint338 m²

Volume (LiDAR)862 m³

Tallest building6.1 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23015B0090/00L000	Flanders	3.4 ha	1 · 338 m²	6.1 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 3 years ago

2022

28-11-2022 Laplace Charlotte appointed as director Director changes

Laplace Charlotte, Bestuurder

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

56 / 100

Mixed profile: strong on stability, weaker on solvency.

All 5 axes are computed from data Checked has read.

Health 43

Profitability 66

Solvency 25

Growth 52

Stability 94

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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Company registry

Company registry (CBE)

Crossroads Bank

Activities

Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

InVST

Registered office

Culliganlaan 2 bus building C

1831 Machelen (Brab.), Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.