I.C.L.
ActiveI.C.L. has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.76M and a net result of €-42k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency67=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.19 in 2024), and 31.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
68.6%
Return on assets
-1.6%
Age of the figures
8 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
7 d early
2024
28 d late
2023
61 d late
2022
28 d late
2021
33 d early
2020
33 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.76M▼ 2.3%
2024 · €1.80M
2020: €401k
2021: €382k
2022: €1.88M
2023: €1.85M
2024: €1.80M
2020 → 2025
Total assets
€2.57M▼ 2.9%
2024 · €2.64M
2020: €1.40M
2021: €1.33M
2022: €2.78M
2023: €2.72M
2024: €2.64M
2020 → 2025
Net result
€-42k▲ 11.3%
2024 · €-47k
2020: €-52k
2021: €-18k
2022: €-21k
2023: €-30k
2024: €-47k
2020 → 2025
Working capital
€-285k▲ 9.2%
2024 · €-314k
2020: €-385k
2021: €-379k
2022: €-377k
2023: €-384k
2024: €-314k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€382k-€1.88M▲ 391%€1.85M▼ 1.6%€1.80M▼ 2.6%€1.76M▼ 2.3%
Operating result€-9k-€-11k▼ 22.3%€-22k▼ 96.9%€-24k▼ 12.1%€-20k▲ 16.7%
Net result€-18k-€-21k▼ 14.6%€-30k▼ 43.5%€-47k▼ 58.5%€-42k▲ 11.3%
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 stays negative: a loss of €20k in 2025 against €24k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.57M
Fixed assets
€2.46M▼ 4.4%
Current assets
€110k▲ 53.1%
Equity and liabilities €2.57M
Equity
€1.76M▼ 2.3%
Debt
€806k▼ 4.0%
The debt ratio falls from 31.8% to 31.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€120k▲
2024 · €115k
Cash flow
€98k▲
2024 · €92k
Solvency
68.6%▲
2024 · 68.2%
Current ratio
0.28▲
2024 · 0.19
Quick ratio
0.28▲
2024 · 0.19
Debt / equity
0.46▼
2024 · 0.47
ROE
-2.4%▲
2024 · -2.6%
ROA
-1.6%▲
2024 · -1.8%
Interest coverage
5.54▲
2024 · 5.04
Debt
€806k▼
2024 · €840k
Debt ≤ 1 year
€395k▲
2024 · €386k
Debt > 1 year
€396k▼
2024 · €438k
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€2.64M€2.57M▼
Fixed assets21/28€2.57M€2.46M▼
Tangible fixed assets22/27€2.57M€2.46M▼
Land and buildings22€2.57M€2.45M▼
Furniture and vehicles24€1k€975▼
Current assets29/58€72k€110k▲
Amounts receivable within one year40/41€35€35=
Other amounts receivable41€35€35=
Cash at bank and in hand54/58€72k€110k▲
Equity and liabilities
Total equity and liabilities10/49€2.64M€2.57M▼
Equity10/15€1.80M€1.76M▼
Contributions10/11€453k€453k=
Revaluation surpluses12€1.44M€1.37M▼
Reserves13€76k€152k▲
Distributable reserves133€76k€152k▲
Profit (loss) carried forward14€-168k€-210k▼
Amounts payable17/49€840k€806k▼
Amounts payable after more than one year17€438k€396k▼
Financial debts170/4€438k€396k▼
Amounts payable within one year42/48€386k€395k▲
Current portion of amounts payable after more than one year42€42k€42k▲
Trade debts44€24k€24k=
Suppliers440/4€24k€24k=
Taxes, remuneration and social security45€21k€21k▼
Taxes450/3€21k€21k▼
Other amounts payable47/48€300k€308k▲
Accrued charges and deferred income492/3€16k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€140k€140k▲
Other operating charges640/8€26k€16k▼
Gross operating margin9900€141k€136k▼
Operating profit (loss)9901€-24k€-20k▲
Financial charges65/66B€23k€22k▼
Recurring financial charges65€23k€22k▼
Profit (loss) for the period before taxes9903€-47k€-42k▲
Profit (loss) for the period9904€-47k€-42k▲
Profit (loss) for the period to be appropriated9905€-47k€-42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-168k€-210k▼
Profit (loss) brought forward from the previous period14P€-121k€-168k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (25 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-12
Financial
Equity above €1MEq €1.88M ▲391%
Equity rises from €382k to €1.88M.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lommel · 1 establishment unit since 2019
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.
John Cockerillstraat 583920 LommelGround area
6,265 m²
Building footprint
2,602 m²
Volume, LiDAR
18,792 m³
Parcel 72020C1417/00Z005, Flanders · tallest building 18.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
I.C.L. BV
since 20192.294.830.750
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1417/00Z005 | Flanders | 6,265 m² | 1 · 2,602 m² | 18.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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LOBECO
BE 0431.631.192
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Aimax Immo
BE 0801.552.174
Nazareth-De Pinte · Eq €1.76M
PGJCL IMMO
BE 0459.496.621
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VERLANI
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Of 9,095 companies in sector 68201 we hold annual accounts for 6,728. 4,406 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2019
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.