I and C

Active

Private limited companyfounded 199729 yrs activeMerlostraat 151, 1180 Ukkel, BelgiumKBO/BCE: BE 0461.332.394

The computed 12-month bankruptcy probability of I and C is 1.8% (moderate). The 2025 annual accounts show equity of €175k and a net result of €18k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 59% of 13270 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

60 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability74▼-9

Solvency66▲+7

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity short (current ratio 0.4 against 0.51 in 2024; short-term debt: 16% and cash: 0.1% of total assets), and 59.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

40.9%

Return on assets

4.2%

Age of the figures

9 mo

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 · 10 filings

Deviation from the deadline

2025

31 d late

2024

61 d late

2023

56 d late

2022

31 d late

2021

60 d late

2020

55 d late

2019

24 d late

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€18k▼ 64.9%

2024 · €52k

2018: €24k 2019: €6k 2020: €-16k 2021: €14k 2022: €23k 2023: €-12k 2024: €52k

2018 → 2025

Working capital

€-41k▼ 9.8%

2024 · €-37k

2018: €-101k 2019: €-94k 2020: €-79k 2021: €-79k 2022: €-74k 2023: €-101k 2024: €-37k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€94k-€117k▲ 24.3%€105k▼ 10.3%€156k▲ 49.4%€175k▲ 11.6%

Operating result€27k-€39k▲ 41.9%€-925€76k€30k▼ 60.5%

Net result€14k-€23k▲ 65.7%€-12k€52k€18k▼ 64.9%

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 61% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €427k

93.6%

Fixed assets €399k▼ 5.4%

Current assets €27k▼ 29.1%

Equity and liabilities €427k

40.9%

55.4%

Equity €175k▲ 11.6%

Provisions €16k▼ 0.4%

Debt €236k▼ 18.0%

The debt ratio falls from 62.6% to 55.4%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€56k▼

2024 · €101k

Cash flow

€44k▼

2024 · €77k

Solvency

40.9%▲

2024 · 34.0%

Current ratio

0.40▼

2024 · 0.51

Quick ratio

0.40▼

2024 · 0.51

Debt / equity

1.35▼

2024 · 1.84

ROE

10.4%▼

2024 · 33.1%

ROA

4.2%▼

2024 · 11.2%

Interest coverage

8.22▼

2024 · 10.89

Debt

€236k▼

2024 · €288k

Debt ≤ 1 year

€68k▼

2024 · €76k

Debt > 1 year

€164k▼

2024 · €209k

Income taxes

€5k▲

2024 · €256

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€461k€427k▼

Fixed assets21/28€422k€399k▼

Tangible fixed assets22/27€422k€399k▼

Land and buildings22€422k€399k▼

Current assets29/58€39k€27k▼

Amounts receivable within one year40/41€36k€26k▼

Trade receivables40€19k€9k▼

Other amounts receivable41€18k€17k▼

Cash at bank and in hand54/58€888€602▼

Deferred charges and accrued income490/1€1k€420▼

Equity and liabilities

Total equity and liabilities10/49€461k€427k▼

Equity10/15€156k€175k▲

Contributions10/11€37k€37k=

Reserves13€51k€51k▼

Tax-exempt reserves132€47k€47k▼

Distributable reserves133€4k€4k=

Profit (loss) carried forward14€68k€87k▲

Provisions and deferred taxes16€16k€16k▼

Deferred taxes168€16k€16k▼

Amounts payable17/49€288k€236k▼

Amounts payable after more than one year17€209k€164k▼

Financial debts170/4€209k€164k▼

Amounts payable within one year42/48€76k€68k▼

Current portion of amounts payable after more than one year42€43k€44k▲

Trade debts44€22k€9k▼

Suppliers440/4€22k€9k▼

Taxes, remuneration and social security45€732€5k▲

Taxes450/3€732€5k▲

Other amounts payable47/48€10k€10k=

Accrued charges and deferred income492/3€4k€4k=

Income statement Code20242025

Non-recurring operating income76A€63k-

Remuneration, social security and pensions62€-163-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k▲

Other operating charges640/8€5k€4k▼

Gross operating margin9900€106k€60k▼

Operating profit (loss)9901€76k€30k▼

Financial income75/76B€2k-

Recurring financial income75€2k-

Financial charges65/66B€9k€7k▼

Recurring financial charges65€9k€7k▼

Profit (loss) for the period before taxes9903€68k€23k▼

Transfer from deferred taxes780-€64

Transfer to deferred taxes680€16k-

Income taxes67/77€256€5k▲

Profit (loss) for the period9904€52k€18k▼

Transfer from tax-exempt reserves789-€193

Transfer to tax-exempt reserves689€47k-

Profit (loss) for the period to be appropriated9905€4k€18k▲

Appropriation of the result

Profit (loss) to be appropriated9906€68k€87k▲

Profit (loss) brought forward from the previous period14P€64k€68k▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 15Financial 5Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

31-12

Financial Back to profitnet €52k

Net result €52k after one loss-making year.

31-12

Financial Equity above €150kEq €156k ▲49.4%

Equity rises from €105k to €156k.

25-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 56 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Equity above €100kEq €117k ▲24.3%

2 profitable years in a row build equity to €117k.

29-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 60 days late

2021

31-12

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

24-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 55 days late

2020

31-12

Financial Weakest financial yearnet €-16k ▼355%

Net result drops to €-16k, the lowest in the series; recovery starts the following year.

24-08

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 24 days late

2019

28-08

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 28 days late

2018

26-09

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 57 days late

2017

29-08

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 29 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

7 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, Ukkel · 1 establishment unit since 1997

establishment The establishment unit on the map

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.

Merlostraat 1511180 Ukkel

Ground area

495 m²

Building footprint

201 m²

Volume, LiDAR

1,811 m³

2 parcels, Brussels · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

TAVERNE LE PAVILLON

Dapperheidsplein 23, 1070 AnderlechtNACE 5530105

since 19972.083.516.052

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21616G0040/00P003	Brussels	284 m²	1 · 92 m²	11.3 m · 3 fl.
21001A0797/00D000 ProtectedArchitectural ensemblePorseleinstraat en een gedeelte van de Sint-GuidostraatSource ↗	Brussels	212 m²	1 · 110 m²	13.0 m · 3 fl.