I.B.K. has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €841k and a net result of €-6k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 78% of 8601 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
61 d late
2023
1 d early
2022
31 d late
2021
31 d late
2020
60 d late
2019
55 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, abbreviated schema
Equity
€841k▼ 0.7%
2024 · €847k
2018: €199k
2019: €198k
2020: €197k
2021: €196k
2022: €758k
2023: €810k
2024: €847k
2018 → 2025
Total assets
€1.02M▼ 1.9%
2024 · €1.04M
2018: €199k
2019: €199k
2020: €199k
2021: €199k
2022: €870k
2023: €927k
2024: €1.04M
2018 → 2025
Net result
€-6k
2024 · €37k
2018: €-1k
2019: €-1k
2020: €-641
2021: €-1k
2022: €562k
2023: €52k
2024: €37k
2018 → 2025
Working capital
€192k▼ 5.1%
2024 · €203k
2018: €280
2019: €-756
2020: €-1k
2021: €-3k
2022: €305k
2023: €361k
2024: €203k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€196k-€758k▲ 287%€810k▲ 6.8%€847k▲ 4.6%€841k▼ 0.7%
Operating result€-1k-€-38k▼ 2,973%€-5k▲ 87.4%€-4k▲ 20.6%€-6k▼ 51.2%
Net result€-1k-€562k€52k▼ 90.8%€37k▼ 28.4%€-6k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €4k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€649k▲ 0.7%
Current assets
€369k▼ 6.2%
Equity and liabilities €1.02M
Equity
€841k▼ 0.7%
Debt
€177k▼ 7.4%
The debt ratio falls from 18.4% to 17.4%. Equity and debt are lower.
Key figures and ratios
Solvency
82.6%▲
2024 · 81.6%
ROE
-0.7%▼
2024 · 4.4%
ROA
-0.6%▼
2024 · 3.6%
Debt
€177k▼
2024 · €191k
Debt ≤ 1 year
€177k▼
2024 · €191k
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€1.04M€1.02M▼
Fixed assets21/28€644k€649k▲
Tangible fixed assets22/27€2k€0▼
Plant, machinery and equipment23€191€0▼
Furniture and vehicles24€2k€0▼
Financial fixed assets28€642k€649k▲
Current assets29/58€393k€369k▼
Amounts receivable after more than one year29€250k€250k=
Trade receivables290€250k€250k=
Stocks and contracts in progress3€17k€17k=
Stocks30/36€17k€17k=
Amounts receivable within one year40/41€89k€81k▼
Trade receivables40€9k€4k▼
Other amounts receivable41€80k€76k▼
Cash at bank and in hand54/58€38k€22k▼
Equity and liabilities
Total equity and liabilities10/49€1.04M€1.02M▼
Equity10/15€847k€841k▼
Contributions10/11€60k€60k=
Reserves13€787k€787k=
Distributable reserves133€787k€787k=
Profit (loss) carried forward14-€-6k
Amounts payable17/49€191k€177k▼
Amounts payable within one year42/48€191k€177k▼
Trade debts44€397-
Suppliers440/4€397-
Taxes, remuneration and social security45€17k€10k▼
Taxes450/3€15k€8k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€173k€167k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€2k€-2k▼
Operating profit (loss)9901€-4k€-6k▼
Financial income75/76B€45k-
Recurring financial income75€45k-
Non-recurring financial income76B€45k-
Financial charges65/66B€575€198▼
Recurring financial charges65€575€198▼
Profit (loss) for the period before taxes9903€41k€-6k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€37k€-6k▼
Profit (loss) for the period to be appropriated9905€37k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€-6k▼
Transfer to equity691/2€37k-
To other reserves6921€37k-
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-6k ▼116%
Net result drops to €-6k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Back to profitnet €562k
Net result €562k after 4 loss-making years.
31-12
Financial
Liquidity times 20current ratio 3.72
Current ratio from 0.18 to 3.72.
31-12
Financial
Equity above €500kEq €758k ▲287%
Equity rises from €196k to €758k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 60 days late
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 55 days late
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Maaseik · 1 establishment unit since 2000
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.
Diestersteenweg 3093680 MaaseikGround area
8,105 m²
Building footprint
2,084 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
Rijksweg 389, 3650 Dilsen-Stokkem
since 20002.097.338.255
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021A1830/00F000 | Flanders | 7,996 m² | 1 · 2,084 m² | - |
| 72005A0791/00B000 | Flanders | 110 m² | - | - |
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 82,524 companies in sector 70200 we hold annual accounts for 52,566. 29,721 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-1999
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.