Financials
- Fiscal year
- 2025
- Total assets
- €115,158
- Profit
- €21,756
- Solvency
- 49.1%
Total assets▲ 31.8%
Net result
20182025
I.B.V.
ActiveSummary
I.B.V. has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56,542 and a net result of €21,756. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Overview
Activity
General electrical installation work
NACE 43211Other specialised construction activities NACE 43990NACE 43999
#10 oldest company in Oud-Heverlee, Construction sector1 site
Size
€115,158total assets 2025
- Staff
- 2 FTE
- Equity
- €56,542
- Profit
- €21,756
Turnover not published (abridged schema)
Structure
Accounts filed 28 d late0 of 3 deeds read
Why 67- Liquidity: current ratio 1.98- Latest accounts 28 days late; 1 of the last 3 late- Sector Specialised construction activities (NACE 43)+ Founded in 2004Show the evidence
Checked score
Score 2025
67
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 67% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
74+9
equity 49.1% of total assets
Liquidity
55+29
short-term debt 46.0%
Profitability
92+18
return on assets 18.9%
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 5 months
06-2026: 0.8%lowest value
07-2026: 0.9%▲ +3.2% vs 06-2026
08-2026: 1.5%▲ +67.5% vs 07-2026highest value
09-2026: 1.2%▼ -19.8% vs 08-2026
10-2026: 1.2%● 0.0% vs 09-2026
- Liquidity: current ratio 1.98 raises the probability
- Latest accounts 28 days late; 1 of the last 3 late raises the probability
- Founded in 2004 lowers the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 1.98 against 1.47 in 2024; short-term debt: 46% of total assets), but 50.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 53%, liquidity 51%, profitability 79%, growth against the median 86%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
31 d late
2022
32 d early
2021
31 d early
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 July (5 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2018net €21,756 ▲501%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 28-08-2026Annual accounts filed
- 31-12-2025Highest result since 2018
- 31-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General electrical installation workNACE 43211
- Founded
- 06-12-2004
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
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