I & G
ActiveI & G has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €205k and a net result of €21k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability51▼-1
Solvency60=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.09 against 0.13 in 2024), and 51.7% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
48.3%
Return on assets
4.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
29 d late
2023
30 d late
2022
20 d early
2021
22 d late
2020
81 d early
2019
1 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€205k▲ 1.0%
2024 · €203k
2018: €101k
2019: €116k
2020: €134k
2021: €147k
2022: €165k
2023: €183k
2024: €203k
2018 → 2025
Total assets
€423k▼ 0.1%
2024 · €424k
2018: €423k
2019: €425k
2020: €424k
2021: €420k
2022: €420k
2023: €424k
2024: €424k
2018 → 2025
Net result
€21k▼ 0.5%
2024 · €21k
2018: €20k
2019: €17k
2020: €19k
2021: €15k
2022: €19k
2023: €20k
2024: €21k
2018 → 2025
Working capital
€-51k▼ 54.6%
2024 · €-33k
2018: €-19k
2019: €-20k
2020: €-21k
2021: €-28k
2022: €-28k
2023: €-32k
2024: €-33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€147k-€165k▲ 11.8%€183k▲ 11.2%€203k▲ 10.5%€205k▲ 1.0%
Operating result€32k-€37k▲ 14.8%€39k▲ 5.4%€40k▲ 3.6%€39k▼ 2.8%
Net result€15k-€19k▲ 24.1%€20k▲ 6.3%€21k▲ 3.7%€21k▼ 0.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €423k
Fixed assets
€419k=
Current assets
€5k▼ 6.2%
Equity and liabilities €423k
Equity
€205k▲ 1.0%
Debt
€219k▼ 1.0%
The debt ratio falls from 52.2% to 51.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
48.3%▲
2024 · 47.8%
Current ratio
0.09▼
2024 · 0.13
Quick ratio
0.09▼
2024 · 0.13
Debt / equity
1.07▼
2024 · 1.09
ROE
10.2%▼
2024 · 10.3%
ROA
4.9%▼
2024 · 4.9%
Debt
€219k▼
2024 · €221k
Debt ≤ 1 year
€56k▲
2024 · €38k
Debt > 1 year
€163k▼
2024 · €183k
Income taxes
€10k▼
2024 · €10k
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€424k€423k▼
Fixed assets21/28€419k€419k=
Tangible fixed assets22/27€417k€417k=
Land and buildings22€417k€417k=
Financial fixed assets28€2k€2k=
Current assets29/58€5k€5k▼
Cash at bank and in hand54/58€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€424k€423k▼
Equity10/15€203k€205k▲
Contributions10/11€56k€56k=
Reserves13€146k€148k▲
Distributable reserves133€146k€148k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€221k€219k▼
Amounts payable after more than one year17€183k€163k▼
Financial debts170/4€144k€119k▼
Other amounts payable178/9€39k€44k▲
Amounts payable within one year42/48€38k€56k▲
Current portion of amounts payable after more than one year42€25k€26k▲
Financial debts43€2k€2k=
Credit institutions430/8€2k€2k=
Other loans439€0-
Trade debts44€126€0▼
Suppliers440/4€126€0▼
Advances received on contracts in progress46€4k€0▼
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€5k€26k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Other operating charges640/8€513€528▲
Gross operating margin9900€41k€40k▼
Operating profit (loss)9901€40k€39k▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€30k€30k▼
Income taxes67/77€10k€10k▼
Profit (loss) for the period9904€21k€21k▼
Profit (loss) for the period to be appropriated9905€21k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€21k▼
Transfer from equity791/2-€17k
Transfer to equity691/2€19k€19k▼
To other reserves6921€19k€19k▼
Profit to be distributed694/7€2k€19k▲
Return on contributions (dividend)694€2k€19k▲
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €21k ▲3.7%
Net result €21k, the highest in the series.
31-12
Financial
Equity above €200kEq €203k ▲10.5%
7 profitable years in a row build equity to €203k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €165k ▲11.8%
5 profitable years in a row build equity to €165k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Weakest financial yearnet €15k ▼18.5%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
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 directors, no change since 2023
DENECKER Gauthier Marc Pierre Frans
CurrentDirector · since 28-12-2023
MAKELBERGE Isabelle Marietta Louisa Maria
CurrentDirector · since 28-12-2023
28-12-2023
DENECKER Gauthier Marc Pierre Frans: Appointed as Director
28-12-2023
MAKELBERGE Isabelle Marietta Louisa Maria: Appointed as Director
Location & real-estate footprint
Registered office, Oostende · 1 establishment unit since 2009
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.
Dahlialaan 398400 OostendeGround area
670 m²
Building footprint
127 m²
Volume, LiDAR
766 m³
Parcel 35020B0193/00M015, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
I & G
since 20092.185.142.655
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35020B0193/00M015 | Flanders | 670 m² | 1 · 127 m² | 9.0 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
MULTI-PARTS
BE 1005.170.616
Ans · Eq €205k
ATELIER GEORGES CUYVERS
BE 0449.313.304
Antwerpen · Eq €206k
BANDENCENTRALE COSYNS
BE 0466.633.841
Hamme (Vl.) · Eq €203k
Topforce
BE 0603.988.217
Zonhoven · Eq €202k
MOBILE PARTS
BE 0474.046.621
Sint-Truiden · Eq €202k
Of 1,744 companies in sector 46720 we hold annual accounts for 1,080. 738 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2009
Fiscal year end31-12
Activities, NACEBEL
45310
46720Wholesale of motor vehicle parts and accessories
47820Retail sale of motor vehicle parts and accessories
47120Other non-specialised retail sale
47910Retail trade
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.