Equity
€84,027 ▼ 19.7%
I AND I paid out €34,357 in dividends. That is 250% of the 2026 profit.
I AND I
Lifetime
20 annual accounts with figures on one time axis, 22 filings since 2005peak €71,684 (2021)
€41,918▼ 1.6%
lowest -€6,257 (2012)
€13,719▲ 5.4%
peak €104,665 (2025)
€84,027▼ 19.7%
€91,697▼ 6.0%
peak 0 FTE (2023)
-not published
Board1 name since 2021
1 directorROTH Joël
Documentsfilings and deeds
08-09-202653 days before the deadline
2026micro format
Dividend €34,357Equity from €104,665 to €84,027Cash from €13,750 to €7,314
Key points
from the 2026 annual accountsChecked score
85
Excellent
Financially stronger than 47% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.4%● unchanged vs 07-2025
09-2025: 0.3%▼ -0.1 percentage points vs 08-2025
10-2025: 0.5%▲ +0.2 percentage points vs 09-2025highest value
11-2025: 0.3%▼ -0.2 percentage points vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026lowest value
05-2026: 0.3%● unchanged vs 04-2026lowest value
06-2026: 0.3%● unchanged vs 05-2026lowest value
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
Size: total assets €175,725
Liquidity: current ratio 0.13, cash €7,314
lowers risk
Founded in 2004
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 62% of them on solvency, 38% on liquidity, 68% on profitability and 20% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as I AND I has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of I AND I itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for I AND I. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.13 (0.46 in 2025), below 1. Short-term debt is 34.1% and cash 4.2% of total assets. 52.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 08-09-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
53 days early
2025
12 days early
2024
34 days early
2023
on the day
2022
3 days late
2021
2 days late
2020
4 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 19 October (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0864930291
Incorporation
published on 06-05-2004 · Gazette deed
First establishment
Brusselsesteenweg 36, Mechelen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| I AND I Mechelen | €175,725 | €41,918 | 47.8% | - |
| MARIPOSSA Brasschaat | €163,018 | €37,052 | 33.3% | - |
| WITTERS TAFELS EN STOELEN Hechtel-Eksel | €198,477 | €49,094 | 75.7% | - |
| HORIZON 7 Beersel | €213,126 | €40,315 | 51.1% | - |
| REVDOR Woluwe-Saint-Lambert | €177,827 | €47,793 | -12.5% | 2 |
| CARRE D'ART Mechelen | €131,697 | €35,993 | 58.6% | - |
| AF Company Malle | €152,349 | €31,882 | -169.0% | - |
These companies have the same main activity as I AND I: retail sale of household furniture (NACE 47551). They are comparable in size and age: total assets between €132,000 and €213,000, founded between 2000 and 2004.
Official details
Source: KBO- Status
- Active since 26-04-2004Normal situation
- Activity
- Retail sale of household furnitureNACE 47551and 6 others
- Establishment unit
- 2.137.189.7162800 Mechelen, since 19-04-2004
- Financial year end
- 31 March
- Peppol
- Reachable since 30-05-2024
Annual accounts to 31-03-2026
- €175,725▼ 13.1%
- Filing
- Filed on 08-09-2026, 53 days before the end of the filing period
Insights on I AND I
I AND I files the micro format. That format states no turnover. The gross margin rose from €32,258 in 2007 to €41,918 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about I AND I
- What is the company number of I AND I?
- The company number of I AND I is 0864.930.291. The VAT number is the same number with BE in front: BE 0864.930.291.
- Where is I AND I based?
- The registered office is at Brusselsesteenweg 36, 2800 Mechelen.Company details
- What does I AND I do?
- According to the KBO register, the main activity is retail sale of household furniture (NACE 47551).
- What is the legal form of I AND I?
- I AND I is a private limited company (BV).
- When was I AND I founded?
- I AND I was founded on 26-04-2004.
- Is I AND I still active?
- Yes, I AND I is an active enterprise in the KBO register.
- What is the turnover of I AND I?
- The turnover in financial year 2026 is ≈ €240,000. This figure is estimated from the gross margin of €41,918 and 41 comparable companies (NACE 475). It probably lies between €180,000 and €380,000.Financials
- Is I AND I profitable?
- In financial year 2026, I AND I made a profit of €13,719.
- Where can I find the annual accounts of I AND I?
- I AND I filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of I AND I due?
- I AND I must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
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