TREFFER INVEST
ActiveSummary
TREFFER INVEST has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.49M and a net result of €69k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 65% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+15
Solvency74▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity short (current ratio 0.1 against 0.31 in 2024; short-term debt: 47.2% and cash: 1.1% of total assets), and 50.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
49.4%
Return on assets
1%
Age of the figures
9 mo
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
25 d late
2023
30 d late
2022
28 d late
2021
25 d late
2020
30 d late
2019
28 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
€3.49M▲ 2.0%
2024 · €3.42M
2018: €920k
2019: €3.63M
2020: €3.72M
2021: €3.27M
2022: €3.42M
2023: €3.33M
2024: €3.42M
2018 → 2025
Total assets
€7.07M▼ 16.4%
2024 · €8.46M
2018: €6.49M
2019: €8.40M
2020: €11.38M
2021: €12.85M
2022: €11.43M
2023: €9.59M
2024: €8.46M
2018 → 2025
Net result
€69k▼ 25.2%
2024 · €92k
2018: €18k
2019: €-69k
2020: €81k
2021: €-74k
2022: €355k
2023: €-91k
2024: €92k
2018 → 2025
Working capital
€-2.99M▲ 14.1%
2024 · €-3.48M
2018: €-5.07M
2019: €-3.53M
2020: €-6.02M
2021: €-8.24M
2022: €-6.76M
2023: €-5.24M
2024: €-3.48M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.27M-€3.42M▲ 4.5%€3.33M▼ 2.7%€3.42M▲ 2.8%€3.49M▲ 2.0%
Operating result€11k-€456k▲ 3,911%€210k▼ 54.1%€192k▼ 8.3%€140k▼ 26.9%
Net result€-74k-€355k€-91k€92k€69k▼ 25.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.07M
Fixed assets
€6.72M ▼ 3.0%
Current assets
€346k ▼ 77.4%
Equity and liabilities €7.07M
Equity
€3.49M ▲ 2.0%
Provisions
€26k ▼ 11.9%
Debt
€3.55M ▼ 29.1%
Debt's share of the balance-sheet total falls from 59.2% to 50.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€284k▲
2024 · €248k
Cash flow
€212k▲
2024 · €148k
Current ratio
0.10▼
2024 · 0.31
Debt to equity
1.02▼
2024 · 1.46
ROE
2.0%▼
2024 · 2.7%
ROA
1.0%▼
2024 · 1.1%
Interest coverage
3.95▲
2024 · 2.16
Debt ≤ 1 year
€3.34M▼
2024 · €5.01M
Income taxes
€3k
Staff costs
€41k▲
2024 · €39k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.46M€7.07M▼
Fixed assets21/28€6.93M€6.72M▼
Tangible fixed assets22/27€6.52M€6.31M▼
Land and buildings22€6.51M€6.24M▼
Furniture and vehicles24€10k€7k▼
Assets under construction and advance payments27-€66k
Financial fixed assets28€411k€411k=
Current assets29/58€1.53M€346k▼
Stocks and contracts in progress3€417k-
Stocks30/36€417k-
Amounts receivable within one year40/41€219k€16k▼
Trade receivables40€152k€7k▼
Other amounts receivable41€67k€9k▼
Current investments50/53€250k€250k=
Cash at bank and in hand54/58€625k€80k▼
Deferred charges and accrued income490/1€17k-
Equity and liabilities
Total equity and liabilities10/49€8.46M€7.07M▼
Equity10/15€3.42M€3.49M▲
Contributions10/11€25k€25k=
Revaluation surpluses12€3.08M€3.08M=
Reserves13€59k€52k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€57k€50k▼
Profit (loss) carried forward14€256k€331k▲
Provisions and deferred taxes16€29k€26k▼
Deferred taxes168€29k€26k▼
Amounts payable17/49€5.01M€3.55M▼
Amounts payable within one year42/48€5.01M€3.34M▼
Financial debts43€2.21M€2.05M▼
Credit institutions430/8€2.21M€2.05M▼
Trade debts44€25k€26k▲
Suppliers440/4€25k€26k▲
Advances received on contracts in progress46€35k€23k▼
Taxes, remuneration and social security45€20k€4k▼
Taxes450/3€18k€4k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€2.72M€1.24M▼
Accrued charges and deferred income492/3-€217k
Income statement
Code20242025
Remuneration, social security and pensions62€39k€41k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€143k▲
Other operating charges640/8€23k€22k▼
Gross operating margin9900€310k€347k▲
Operating profit (loss)9901€192k€140k▼
Financial income75/76B€11k-
Recurring financial income75€11k-
Financial charges65/66B€115k€72k▼
Recurring financial charges65€115k€72k▼
Profit (loss) for the period before taxes9903€89k€69k▼
Transfer from deferred taxes780€4k€4k=
Income taxes67/77-€3k
Profit (loss) for the period9904€92k€69k▼
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€99k€76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€256k€331k▲
Profit (loss) brought forward from the previous period14P€157k€256k▲
The notes to these accounts (8 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €92k
Net result €92k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-91k ▼126%
Net result drops to €-91k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €355k
Net result €355k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €81k
Net result €81k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €2MEq €3.63M ▲295%
Equity rises from €920k to €3.63M.
Show earlier events
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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, Antwerpen · 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.
Schildersstraat 232000 AntwerpenGround area
657 m²
Building footprint
542 m²
Volume, LiDAR
9,252 m³
2 parcels, Flanders · tallest building 22.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
TREFFER INVEST
since 19962.075.373.990
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3716/00W000 | Flanders | 457 m² | 1 · 457 m² | 22.4 m · 6 fl. |
| 11811L3627/00G002 | Flanders | 200 m² | 1 · 86 m² | 15.7 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.
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WIRTZ DEVELOPMENTS
BE 0438.287.768
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Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 2,080 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
Founded13-02-1996
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.