I.A. TRADING
ActiveThe computed 12-month bankruptcy probability of I.A. TRADING is 3.9% (moderate). The 2025 annual accounts show equity of €29k and a net result of €1k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 47% of 7697 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability20▲+20
Solvency64▼-4
Growth24=
Stability100
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.71 against 1.47 in 2024), and 52.2% 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.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
47.8%
Return on assets
2%
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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
40 d late
2022
30 d late
2021
23 d late
2020
53 d late
2019
56 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€97k▲ 46.2%
2020 · €66k
2018: €125k
2019: €94k
2020: €66k
2018 → 2021
EBIT margin
3.9%▲ 17.2pp
2020 · -13.3%
2018: 9.3%
2019: -3.1%
2020: -13.3%
2018 → 2021
Net result
€1k
2024 · €-4k
2018: €12k
2019: €-2k
2020: €-9k
2021: €4k
2022: €2k
2023: €8k
2024: €-4k
2018 → 2025
Working capital
€-7k
2024 · €16k
2018: €8k
2019: €10k
2020: €7k
2021: €16k
2022: €13k
2023: €17k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€97k-
Equity€21k-€23k▲ 12.0%€32k▲ 36.2%€28k▼ 13.0%€29k▲ 4.3%
Operating result€4k-€2k▼ 35.3%€9k▲ 253%€-4k€2k
Net result€4k-€2k▼ 33.8%€8k▲ 239%€-4k€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€44k▲ 75.7%
Current assets
€16k▼ 67.4%
Equity and liabilities €60k
Equity
€29k▲ 4.3%
Debt
€32k▼ 34.0%
The debt ratio falls from 63.3% to 52.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€18k▲
2024 · €6k
Cash flow
€18k▲
2024 · €5k
Solvency
47.8%▲
2024 · 36.7%
Current ratio
0.71▼
2024 · 1.47
Quick ratio
0.24▼
2024 · 1.24
Debt / equity
1.09▼
2024 · 1.73
ROE
4.1%▲
2024 · -15.0%
ROA
2.0%▲
2024 · -5.5%
Interest coverage
34.71▲
2024 · 26.48
Debt
€32k▼
2024 · €48k
Debt ≤ 1 year
€23k▼
2024 · €34k
Debt > 1 year
€8k▼
2024 · €14k
Staff costs
€71k▲
2024 · €61k
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€76k€60k▼
Fixed assets21/28€25k€44k▲
Tangible fixed assets22/27€25k€44k▲
Furniture and vehicles24€25k€44k▲
Current assets29/58€51k€16k▼
Stocks and contracts in progress3€8k€11k▲
Stocks30/36€8k€11k▲
Amounts receivable within one year40/41€40k€1k▼
Trade receivables40€40k-
Other amounts receivable41-€1k
Cash at bank and in hand54/58€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€76k€60k▼
Equity10/15€28k€29k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€7k€8k▲
Amounts payable17/49€48k€32k▼
Amounts payable after more than one year17€14k€8k▼
Financial debts170/4€14k€8k▼
Amounts payable within one year42/48€34k€23k▼
Current portion of amounts payable after more than one year42€5k€5k=
Trade debts44€149-
Suppliers440/4€149-
Taxes, remuneration and social security45€6k€16k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€4k€14k▲
Other amounts payable47/48€23k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€61k€71k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€16k▲
Gross operating margin9900€66k€89k▲
Operating profit (loss)9901€-4k€2k▲
Financial charges65/66B€210€523▲
Recurring financial charges65€210€523▲
Profit (loss) for the period before taxes9903€-4k€1k▲
Profit (loss) for the period9904€-4k€1k▲
Profit (loss) for the period to be appropriated9905€-4k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€8k▲
Profit (loss) brought forward from the previous period14P€11k€7k▼
The notes to these accounts (6 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
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 7.08
Current ratio from 1.89 to 7.08; short-term debt falls from €7k to €3k.
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 53 days late
2020
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-10-2025
Resigned as Director
Location & real-estate footprint
Registered office, Sint-Jans-Molenbeek · 3 establishment units since 2017
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.
Ninoofsesteenweg 831080 Sint-Jans-MolenbeekGround area
761 m²
Building footprint
727 m²
Volume, LiDAR
7,559 m³
3 parcels, Brussels, Flanders · tallest building 17.8 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
I.A. TRADING
since 20172.261.634.677
I.A. Trading
since 20252.369.283.495
i.a. trading
since 20252.382.192.415
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0405/00N000 | Flanders | 316 m² | 1 · 316 m² | 16.0 m · 4 fl. |
| 21523B0937/00N070 | Brussels | 312 m² | 1 · 295 m² | 17.8 m · 2 fl. |
| 21308H0536/00W004 | Brussels | 133 m² | 1 · 116 m² | 15.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Jans-Molenbeek2.369.283.495
Similar companies · same sector, comparable size
FA MOBILITY
BE 1010.786.718
Oupeye · Eq €29k
LRS GROUPE
BE 1019.030.233
Schaarbeek · Eq €29k
Taxi Brabo
BE 0674.412.690
Antwerpen · Eq €29k
VIGEH
BE 0447.284.816
Watermaal-Bosvoorde · Eq €29k
MASHA
BE 0455.985.815
Machelen (Brab.) · Eq €29k
Of 6,632 companies in sector 49330 we hold annual accounts for 2,257. 1,942 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-02-2017
Fiscal year end31-12
Activities, NACEBEL
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
79909Travel agency, tour operator and other reservation service and related activities
82400Office administrative, office support and other business support activities
46190Agents in non-specialised wholesale trade
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:hass.fa@hotmail.com
Phone:0484074131