I.M.U. & Co
ActiveI.M.U. & Co has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €163k and a net result of €-12k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 2027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-52
Solvency62▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.48 in 2024; short-term debt: 62.7% and cash: 0.9% of total assets), and 62.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
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
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 · 7 filingsDeviation from the deadline
2025
26 d late
2024
33 d late
2023
2 d early
2022
4 d late
2021
76 d late
2020
65 d late
2019
77 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€163k▼ 7.0%
2024 · €175k
2019: €32k
2020: €52k
2021: €96k
2022: €123k
2023: €155k
2024: €175k
2019 → 2025
Total assets
€437k▼ 1.7%
2024 · €444k
2019: €108k
2020: €129k
2021: €224k
2022: €514k
2023: €486k
2024: €444k
2019 → 2025
Net result
€-12k
2024 · €20k
2019: €26k
2020: €34k
2021: €32k
2022: €27k
2023: €32k
2024: €20k
2019 → 2025
Working capital
€129k▼ 1.4%
2024 · €131k
2019: €918
2020: €27k
2021: €80k
2022: €110k
2023: €134k
2024: €131k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€123k▲ 27.8%€155k▲ 26.0%€175k▲ 13.0%€163k▼ 7.0%
Operating result€41k-€36k▼ 12.9%€47k▲ 32.2%€30k▼ 36.0%€-5k
Net result€32k-€27k▼ 15.4%€32k▲ 19.6%€20k▼ 36.8%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €30k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €437k
Fixed assets
€34k▼ 23.6%
Current assets
€403k▲ 0.8%
Equity and liabilities €437k
Equity
€163k▼ 7.0%
Debt
€274k▲ 1.9%
The debt ratio rises from 60.6% to 62.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €41k
Cash flow
€-2k▼
2024 · €31k
Solvency
37.3%▼
2024 · 39.4%
Current ratio
1.47▼
2024 · 1.48
Quick ratio
1.47▼
2024 · 1.48
Debt / equity
1.68▲
2024 · 1.54
ROE
-7.6%▼
2024 · 11.5%
ROA
-2.8%▼
2024 · 4.5%
Interest coverage
0.78▼
2024 · 15.91
Debt
€274k▲
2024 · €269k
Debt ≤ 1 year
€274k▲
2024 · €269k
Income taxes
€121▼
2024 · €8k
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€444k€437k▼
Fixed assets21/28€45k€34k▼
Tangible fixed assets22/27€40k€29k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€34k€25k▼
Financial fixed assets28€5k€5k=
Current assets29/58€400k€403k▲
Amounts receivable after more than one year29€82k€95k▲
Other amounts receivable291€82k€95k▲
Amounts receivable within one year40/41€308k€303k▼
Trade receivables40€288k€288k▼
Other amounts receivable41€20k€16k▼
Cash at bank and in hand54/58€8k€4k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€444k€437k▼
Equity10/15€175k€163k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Profit (loss) carried forward14€155k€142k▼
Amounts payable17/49€269k€274k▲
Amounts payable within one year42/48€269k€274k▲
Current portion of amounts payable after more than one year42€1k-
Trade debts44€238k€250k▲
Suppliers440/4€238k€250k▲
Advances received on contracts in progress46€12k€208▼
Taxes, remuneration and social security45€18k€3k▼
Taxes450/3€18k€3k▼
Other amounts payable47/48-€21k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€42k€7k▼
Operating profit (loss)9901€30k€-5k▼
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Profit (loss) for the period before taxes9903€28k€-12k▼
Income taxes67/77€8k€121▼
Profit (loss) for the period9904€20k€-12k▼
Profit (loss) for the period to be appropriated9905€20k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€155k€142k▼
Profit (loss) brought forward from the previous period14P€135k€155k▲
The notes to these accounts (5 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
31-12
Financial
Weakest financial yearnet €-12k ▼161%
Net result drops to €-12k, the lowest in the series.
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €155k ▲26%
5 profitable years in a row build equity to €155k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Equity above €100kEq €123k ▲27.8%
4 profitable years in a row build equity to €123k.
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 76 days late
2021
04-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 65 days late
2020
31-12
Financial
Highest result since 2019net €34k ▲32.7%
Operating result €53k, net result €34k, both a record.
16-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 77 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zaventem · 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.
Leuvensesteenweg 510/b141930 ZaventemGround area
7,376 m²
Building footprint
2,199 m²
Volume, LiDAR
15,484 m³
2 parcels, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
I.M.U. & Co
since 20192.301.925.014
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772C0379/00L000 | Flanders | 7,036 m² | 1 · 1,631 m² | 9.2 m · 2 fl. |
| 24041D0275/00P000 | Flanders | 340 m² | 1 · 569 m² | 12.7 m · 1 fl. |
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 11,668 companies in sector 85599 we hold annual accounts for 1,329. 985 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2019
Fiscal year end31-12
Activities, NACEBEL
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.