I.B.C.M
ActiveI.B.C.M has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €6k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 42% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-11
Solvency49▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.61 in 2024; short-term debt: 66% and cash: 1.4% of total assets), and 76.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
23.7%
Return on assets
2.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €53k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
43 d early
2023
6 d early
2022
12 d early
2021
31 d late
2020
22 d early
2019
32 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€53k▲ 13.3%
2024 · €47k
2018: €43k
2019: €41k
2020: €42k
2021: €42k
2022: €40k
2023: €33k
2024: €47k
2018 → 2025
Total assets
€225k▼ 0.9%
2024 · €227k
2018: €123k
2019: €122k
2020: €132k
2021: €131k
2022: €232k
2023: €219k
2024: €227k
2018 → 2025
Net result
€6k▼ 54.2%
2024 · €14k
2018: €122
2019: €-2k
2020: €1k
2021: €-998
2022: €-2k
2023: €-6k
2024: €14k
2018 → 2025
Working capital
€12k
2024 · €-53k
2018: €64k
2019: €62k
2020: €63k
2021: €62k
2022: €-67k
2023: €-70k
2024: €-53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€40k▼ 4.0%€33k▼ 16.2%€47k▲ 40.8%€53k▲ 13.3%
Operating result€-918-€-2k▼ 156%€-6k▼ 173%€13k€3k▼ 75.1%
Net result€-998-€-2k▼ 66.2%€-6k▼ 288%€14k€6k▼ 54.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225k
Fixed assets
€64k▼ 55.5%
Current assets
€161k▲ 94.3%
Equity and liabilities €225k
Equity
€53k▲ 13.3%
Provisions
€0▼ 100%
Debt
€171k▲ 5.7%
The debt ratio rises from 71.5% to 76.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €20k
Cash flow
€10k▼
2024 · €21k
Solvency
23.7%▲
2024 · 20.7%
Current ratio
1.08▲
2024 · 0.61
Quick ratio
1.08▲
2024 · 0.61
Debt / equity
3.22▼
2024 · 3.45
ROE
11.7%▼
2024 · 29.0%
ROA
2.8%▼
2024 · 6.0%
Interest coverage
5.10▼
2024 · 13.95
Debt
€171k▲
2024 · €162k
Debt ≤ 1 year
€148k▲
2024 · €136k
Debt > 1 year
€23k▼
2024 · €26k
Income taxes
€16k
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€227k€225k▼
Fixed assets21/28€144k€64k▼
Tangible fixed assets22/27€144k€64k▼
Land and buildings22€144k€64k▼
Current assets29/58€83k€161k▲
Amounts receivable within one year40/41€78k€157k▲
Trade receivables40€2k€2k▼
Other amounts receivable41€76k€156k▲
Cash at bank and in hand54/58€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€227k€225k▼
Equity10/15€47k€53k▲
Contributions10/11€6k€6k=
Reserves13€53k-
Tax-exempt reserves132€53k-
Profit (loss) carried forward14€-12k€47k▲
Provisions and deferred taxes16€18k-
Deferred taxes168€18k-
Amounts payable17/49€162k€171k▲
Amounts payable after more than one year17€26k€23k▼
Financial debts170/4€26k€23k▼
Amounts payable within one year42/48€136k€148k▲
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45-€16k
Taxes450/3-€16k
Other amounts payable47/48€131k€127k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€3k▼
Other operating charges640/8€630€2k▲
Gross operating margin9900€21k€8k▼
Operating profit (loss)9901€13k€3k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€13k€5k▼
Transfer from deferred taxes780€1k€18k▲
Income taxes67/77-€16k
Profit (loss) for the period9904€14k€6k▼
Transfer from tax-exempt reserves789€3k€53k▲
Profit (loss) for the period to be appropriated9905€17k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€47k▲
Profit (loss) brought forward from the previous period14P€-29k€-12k▲
The notes to these accounts (9 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 · abbreviated schema · 31 days late
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after 3 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 43 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lasne · 1 establishment unit since 2007
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.
Route d'Ottignies 48/A1380 LasneGround area
1,876 m²
Building footprint
175 m²
Volume, LiDAR
1,493 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
I.B.C.M.
since 20072.158.079.061
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051H0107/00L000 | Wallonia | 1,464 m² | 1 · 60 m² | 11.2 m · 3 fl. |
| 25051H0105/00K000 | Wallonia | 412 m² | 1 · 115 m² | 10.5 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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Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 3,160 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2006
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:benoit.monseur@skynet.be
Phone:02/6334884
Fax:02/6334884