I.M.A & PARTNERS
ActiveI.M.A & PARTNERS has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €272k and a net result of €21k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 56% of 8589 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▲+23
Solvency98▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.16 against 1.88 in 2024), and 40.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
59.4%
Return on assets
4.6%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €272k
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
36 d early
2023
26 d early
2022
31 d late
2021
5 d early
2020
32 d early
2019
25 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€272k▲ 8.4%
2024 · €251k
2018: €232k
2019: €251k
2020: €250k
2021: €265k
2022: €255k
2023: €243k
2024: €251k
2018 → 2025
Total assets
€458k▲ 2.0%
2024 · €449k
2018: €496k
2019: €485k
2020: €472k
2021: €468k
2022: €451k
2023: €447k
2024: €449k
2018 → 2025
Net result
€21k▲ 167%
2024 · €8k
2018: €-8k
2019: €29k
2020: €-672
2021: €15k
2022: €-10k
2023: €-12k
2024: €8k
2018 → 2025
Working capital
€176k▲ 18.7%
2024 · €148k
2018: €108k
2019: €128k
2020: €125k
2021: €144k
2022: €137k
2023: €129k
2024: €148k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€265k-€255k▼ 3.9%€243k▼ 4.5%€251k▲ 3.3%€272k▲ 8.4%
Operating result€29k-€406▼ 98.6%€4k▲ 986%€25k▲ 467%€42k▲ 69.3%
Net result€15k-€-10k€-12k▼ 13.4%€8k€21k▲ 167%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 69% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €458k
Fixed assets
€131k▼ 0.6%
Current assets
€328k▲ 3.1%
Equity and liabilities €458k
Equity
€272k▲ 8.4%
Debt
€186k▼ 6.1%
The debt ratio falls from 44.1% to 40.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€43k▲
2024 · €26k
Cash flow
€22k▲
2024 · €9k
Solvency
59.4%▲
2024 · 55.9%
Current ratio
2.16▲
2024 · 1.88
Quick ratio
2.16▲
2024 · 1.88
Debt / equity
0.68▼
2024 · 0.79
ROE
7.8%▲
2024 · 3.2%
ROA
4.6%▲
2024 · 1.8%
Interest coverage
3.40▲
2024 · 1.55
Debt
€186k▼
2024 · €198k
Debt ≤ 1 year
€151k▼
2024 · €169k
Income taxes
€8k▲
2024 · €512
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€449k€458k▲
Fixed assets21/28€132k€131k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€432€128▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€129k€129k=
Current assets29/58€318k€328k▲
Amounts receivable within one year40/41€309k€325k▲
Trade receivables40€4k€5k▲
Other amounts receivable41€305k€319k▲
Cash at bank and in hand54/58€8k€899▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€449k€458k▲
Equity10/15€251k€272k▲
Contributions10/11€30k€30k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€215k€236k▲
Amounts payable17/49€198k€186k▼
Amounts payable within one year42/48€169k€151k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€160k€147k▼
Accrued charges and deferred income492/3€29k€35k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€835▼
Other operating charges640/8€40€469▲
Gross operating margin9900€26k€44k▲
Operating profit (loss)9901€25k€42k▲
Financial income75/76B€393€0▼
Recurring financial income75€393€0▼
Financial charges65/66B€17k€13k▼
Recurring financial charges65€17k€13k▼
Profit (loss) for the period before taxes9903€8k€30k▲
Income taxes67/77€512€8k▲
Profit (loss) for the period9904€8k€21k▲
Profit (loss) for the period to be appropriated9905€8k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€215k€236k▲
Profit (loss) brought forward from the previous period14P€207k€215k▲
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 25 days late
2019
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-07
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
8 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, Tienen · 1 establishment unit since 1996
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.
Alexianenweg 173300 TienenGround area
4,358 m²
Building footprint
1,224 m²
Volume, LiDAR
14,355 m³
Parcel 24593H0148/00X000, Flanders · tallest building 16.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Alexianenweg 17, 3300 Tienen
since 19962.076.167.709
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593H0148/00X000 | Flanders | 4,358 m² | 1 · 1,224 m² | 16.5 m · 4 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
ZSN Partners
BE 0455.998.483
Antwerpen · Eq €272k
RIPL
BE 0792.753.977
Kortrijk · Eq €272k
CONSEIL
BE 0460.293.704
Maaseik · Eq €272k
ARJ FINANCE
BE 0463.479.361
Ukkel · Eq €272k
HR Path BE
BE 0871.438.595
Antwerpen · Eq €272k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 38,461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-1996
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.