INTERVEST CHARLEROI
ActiveSummary
INTERVEST CHARLEROI has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-144k) and a net result of €-482k. Equity is shrinking by ~79.3% per year across the filed fiscal years. Its solvency ranks better than 16% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability33▲+1
Solvency25▲+2
Growth32=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 14.0 against 0.12 in 2024; short-term debt: 1.6% and cash: 11.8% of total assets), but equity is negative.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-144k
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 18-05-2026, 74 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
74 d early
2024
38 d early
2023
6 d early
2022
47 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-144k▲ 83.3%
2024 · €-862k
2022: €52khighest in 4 years
2023: €36k▼ -30.4% vs 2022
2024: €-862k▼ -2490% vs 2023lowest in 4 years
2025: €-144k▲ +83.3% vs 2024
2022 → 2025
Total assets
€56.58M▲ 29.8%
2024 · €43.58M
2022: €646klowest in 4 years
2023: €2.64M▲ +309% vs 2022
2024: €43.58M▲ +1551% vs 2023
2025: €56.58M▲ +29.8% vs 2024highest in 4 years
2022 → 2025
Net result
€-482k▲ 46.3%
2024 · €-898k
2022: €-10khighest in 4 years
2023: €-16k▼ -62.9% vs 2022
2024: €-898k▼ -5592% vs 2023lowest in 4 years
2025: €-482k▲ +46.3% vs 2024
2022 → 2025
Working capital
€11.48M
2024 · €-17.96M
2022: €-451k
2023: €-2.24M▼ -397% vs 2022
2024: €-17.96M▼ -701% vs 2023lowest in 4 years
2025: €11.48M▲ +164% vs 2024highest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€52k-€36k▼ 30.4%€-862k€-144k▲ 83.3%
2022: €52khighest in 4 years
2023: €36k▼ -30.4% vs 2022
2024: €-862k▼ -2490% vs 2023lowest in 4 years
2025: €-144k▲ +83.3% vs 2024
Operating result€-9k-€-15k▼ 63.9%€-836k▼ 5,385%€1.71M
2022: €-9k
2023: €-15k▼ -63.9% vs 2022
2024: €-836k▼ -5385% vs 2023lowest in 4 years
2025: €1.71M▲ +304% vs 2024highest in 4 years
Net result€-10k-€-16k▼ 62.9%€-898k▼ 5,592%€-482k▲ 46.3%
2022: €-10khighest in 4 years
2023: €-16k▼ -62.9% vs 2022
2024: €-898k▼ -5592% vs 2023lowest in 4 years
2025: €-482k▲ +46.3% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1.71M after a loss of €836k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56.58M
Fixed assets
€44.21M ▲ 7.5%
Current assets
€12.37M ▲ 400%
Key figures and ratios
EBITDA
€3.94M
Cash flow
€1.75M
Solvency
-0.3%▲
2024 · -2.0%
Current ratio
14.00▲
2024 · 0.12
ROA
-0.9%▲
2024 · -2.1%
Interest coverage
1.80
Debt
€56.72M▲
2024 · €44.45M
Debt ≤ 1 year
€884k▼
2024 · €20.43M
Debt > 1 year
€55.49M▲
2024 · €23.87M
A ratio outside any meaningful range has been withheld (balance sheet total €56.58M, equity €-144k).
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€43.58M€56.58M▲
Fixed assets21/28€41.11M€44.21M▲
Tangible fixed assets22/27€41.11M€44.21M▲
Land and buildings22-€44.21M
Furniture and vehicles24-€2k
Assets under construction and advance payments27€41.11M-
Current assets29/58€2.47M€12.37M▲
Amounts receivable within one year40/41€1.28M€1.32M▲
Trade receivables40-€1.32M
Other amounts receivable41€1.28M-
Cash at bank and in hand54/58€88k€6.66M▲
Deferred charges and accrued income490/1€1.10M€4.39M▲
Equity and liabilities
Total equity and liabilities10/49€43.58M€56.58M▲
Equity10/15€-862k€-144k▲
Contributions10/11€62k€1.26M▲
Capital10€62k€1.26M▲
Issued capital100€62k€1.26M▲
Profit (loss) carried forward14€-923k€-1.41M▼
Amounts payable17/49€44.45M€56.72M▲
Amounts payable after more than one year17€23.87M€55.49M▲
Financial debts170/4€23.87M€55.49M▲
Amounts payable within one year42/48€20.43M€884k▼
Current portion of amounts payable after more than one year42€360k-
Trade debts44€10.48M€614k▼
Suppliers440/4€10.48M€614k▼
Taxes, remuneration and social security45-€269k
Taxes450/3-€269k
Other amounts payable47/48€9.59M-
Accrued charges and deferred income492/3€140k€344k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2.24M
Other operating charges640/8€100€1k▲
Gross operating margin9900€-836k€3.94M▲
Operating profit (loss)9901€-836k€1.71M▲
Financial charges65/66B€61k€2.19M▲
Recurring financial charges65€61k€2.19M▲
Profit (loss) for the period before taxes9903€-898k€-482k▲
Profit (loss) for the period9904€-898k€-482k▲
Profit (loss) for the period to be appropriated9905€-898k€-482k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-923k€-1.41M▼
Profit (loss) brought forward from the previous period14P€-25k€-923k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €2.24M | - |
| Other operating charges640/8 | €629 | €62 | €100 | €1k | ▲ 1,373% |
| Gross operating margin9900 | €-9k | €-15k | €-836k | €3.94M | ▲ 572% |
| Operating profit (loss)9901 | €-9k | €-15k | €-836k | €1.71M | ▲ 304% |
| Financial charges65/66B | €380 | €524 | €61k | €2.19M | ▲ 3,467% |
| Recurring financial charges65 | €380 | €524 | €61k | €2.19M | ▲ 3,467% |
| Profit (loss) for the period before taxes9903 | €-10k | €-16k | €-898k | €-482k | ▲ 46.3% |
| Profit (loss) for the period9904 | €-10k | €-16k | €-898k | €-482k | ▲ 46.3% |
| Profit (loss) for the period to be appropriated9905 | €-10k | €-16k | €-898k | €-482k | ▲ 46.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €646k | €2.64M | €43.58M | €56.58M | ▲ 29.8% |
| Fixed assets21/28 | €503k | €2.28M | €41.11M | €44.21M | ▲ 7.5% |
| Tangible fixed assets22/27 | €503k | €2.28M | €41.11M | €44.21M | ▲ 7.5% |
| Land and buildings22 | - | - | - | €44.21M | - |
| Furniture and vehicles24 | - | - | - | €2k | - |
| Assets under construction and advance payments27 | €503k | €2.28M | €41.11M | - | - |
| Current assets29/58 | €143k | €361k | €2.47M | €12.37M | ▲ 400% |
| Amounts receivable within one year40/41 | €107k | €352k | €1.28M | €1.32M | ▲ 3.1% |
| Trade receivables40 | - | - | - | €1.32M | - |
| Other amounts receivable41 | €107k | €352k | €1.28M | - | - |
| Cash at bank and in hand54/58 | €35k | €9k | €88k | €6.66M | ▲ 7,506% |
| Deferred charges and accrued income490/1 | - | - | €1.10M | €4.39M | ▲ 299% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €646k | €2.64M | €43.58M | €56.58M | ▲ 29.8% |
| Equity10/15 | €52k | €36k | €-862k | €-144k | ▲ 83.3% |
| Contributions10/11 | €62k | €62k | €62k | €1.26M | ▲ 1,951% |
| Capital10 | €62k | €62k | €62k | €1.26M | ▲ 1,951% |
| Issued capital100 | €62k | €62k | €62k | €1.26M | ▲ 1,951% |
| Profit (loss) carried forward14 | €-10k | €-25k | €-923k | €-1.41M | ▼ 52.2% |
| Amounts payable17/49 | €594k | €2.60M | €44.45M | €56.72M | ▲ 27.6% |
| Amounts payable after more than one year17 | - | - | €23.87M | €55.49M | ▲ 132% |
| Financial debts170/4 | - | - | €23.87M | €55.49M | ▲ 132% |
| Amounts payable within one year42/48 | €594k | €2.60M | €20.43M | €884k | ▼ 95.7% |
| Current portion of amounts payable after more than one year42 | - | - | €360k | - | - |
| Trade debts44 | €594k | €19k | €10.48M | €614k | ▼ 94.1% |
| Suppliers440/4 | €594k | €19k | €10.48M | €614k | ▼ 94.1% |
| Taxes, remuneration and social security45 | - | €0 | - | €269k | - |
| Taxes450/3 | - | €0 | - | €269k | - |
| Other amounts payable47/48 | - | €2.58M | €9.59M | - | - |
| Accrued charges and deferred income492/3 | - | - | €140k | €344k | ▲ 146% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-10k | €-16k | €-898k | €-482k | ▲ 46.3% |
| + Depreciation and write-downs630 | - | - | - | €2.24M | - |
| Operating cash flow (approximation) | €-10k | €-16k | €-898k | €1.75M | ▲ 295% |
| Investment in fixed assets (approximation) | - | €-1.78M | €-38.83M | €-5.33M | ▲ 86.3% |
| Change in cash | - | €-27k | €79k | €6.57M | ▲ 8,250% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 116current ratio 14.00
Current ratio from 0.12 to 14.00; short-term debt falls from €20.43M to €884k.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-898k
Net result drops to €-898k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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 2022
Ground area
1.0 ha
Building footprint
1,240 m²
Volume, LiDAR
22,257 m³
Parcel 11003A0289/00S000, Flanders · tallest building 23.3 m, ±6 floors. Linked by address, not a title deed.
19
companies at this address
See who is registered here
1 establishment unit
Intervest Charleroi
since 20222.328.250.220
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0289/00S000 | Flanders | 1.0 ha | 1 · 1,240 m² | 23.3 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 parent companyControl over this companyparent company per the LEI register1
Tongeren-Borgloon
controls
INTERVEST CHARLEROIBE 0782.630.939
Recognitions · licences · registrations
Legal Entity Identifier
699400O2UD3NTOS77N24
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 4,701 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded25-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68202Real estate activities
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.