I & P CONSULTANCY
ActiveThe annual accounts of I & P CONSULTANCY for fiscal year 2024 show a net loss of 71% of the equity at the start of that year. The 2024 annual accounts show equity of €9k and a net result of €-22k. Equity is shrinking by ~21.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 28% of 3021 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▼-59
Solvency27▼-31
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.39 against 0.9 in 2023; short-term debt: 9.4% and cash: 0.8% of total assets), and 98.3% 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
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 93
Relative position
BE, all sectors
reference
Sector 93
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
1.7%
Return on assets
-4.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-10-2025, 65 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
65 d late
2023
26 d late
2022
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€9k▼ 71.5%
2023 · €31k
2022: €16k
2023: €31k
2022 → 2024
Total assets
€520k▲ 453%
2023 · €94k
2022: €33k
2023: €94k
2022 → 2024
Net result
€-22k
2023 · €16k
2022: €14k
2023: €16k
2022 → 2024
Working capital
€-30k▼ 775%
2023 · €-3k
2022: €16k
2023: €-3k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€16k-€31k▲ 99.1%€9k▼ 71.5%
Operating result€20k-€22k▲ 8.7%€-12k
Net result€14k-€16k▲ 13.6%€-22k
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 2024: a loss of €12k after €22k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €520k
Fixed assets
€501k▲ 699%
Current assets
€19k▼ 39.2%
Equity and liabilities €520k
Equity
€9k▼ 71.5%
Debt
€511k▲ 716%
The debt ratio rises from 66.6% to 98.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€23k▼
2023 · €33k
Cash flow
€12k▼
2023 · €27k
Solvency
1.7%▼
2023 · 33.4%
Current ratio
0.39▼
2023 · 0.90
Quick ratio
0.39▼
2023 · 0.90
Debt / equity
57.08▲
2023 · 2.00
ROE
-250.4%▼
2023 · 49.8%
ROA
-4.3%▼
2023 · 16.6%
Interest coverage
2.11▼
2023 · 15.71
Debt
€511k▲
2023 · €63k
Debt ≤ 1 year
€49k▲
2023 · €35k
Debt > 1 year
€459k▲
2023 · €27k
Income taxes
€-147▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€94k€520k▲
Fixed assets21/28€63k€501k▲
Tangible fixed assets22/27€63k€501k▲
Land and buildings22-€468k
Furniture and vehicles24€45k€34k▼
Assets under construction and advance payments27€18k-
Current assets29/58€31k€19k▼
Amounts receivable within one year40/41€20k€15k▼
Trade receivables40€14k€15k▲
Other amounts receivable41€6k-
Cash at bank and in hand54/58€12k€4k▼
Deferred charges and accrued income490/1-€220
Equity and liabilities
Total equity and liabilities10/49€94k€520k▲
Equity10/15€31k€9k▼
Contributions10/11€2k€2k=
Reserves13€29k€29k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14-€-22k
Amounts payable17/49€63k€511k▲
Amounts payable after more than one year17€27k€459k▲
Financial debts170/4€27k€337k▲
Other amounts payable178/9-€122k
Amounts payable within one year42/48€35k€49k▲
Current portion of amounts payable after more than one year42€12k-
Financial debts43-€24k
Credit institutions430/8-€24k
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€20k€21k▲
Taxes450/3€16k€16k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€506-
Accrued charges and deferred income492/3€1k€3k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€35k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€13k-
Gross operating margin9900€48k€25k▼
Operating profit (loss)9901€22k€-12k▼
Financial charges65/66B€2k€11k▲
Recurring financial charges65€2k€11k▲
Profit (loss) for the period before taxes9903€20k€-23k▼
Income taxes67/77€4k€-147▼
Profit (loss) for the period9904€16k€-22k▼
Profit (loss) for the period to be appropriated9905€16k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-22k▼
Transfer to equity691/2€16k-
To other reserves6921€16k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 65 days late
2024
31-12
Financial
Weakest financial yearnet €-22k ▼244%
Net result drops to €-22k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2022net €16k ▲13.6%
Operating result €22k, net result €16k, both a record.
08-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 69 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lichtervelde · 1 establishment unit since 2021
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.
Koolskampstraat 648810 LichterveldeGround area
344 m²
Building footprint
96 m²
Volume, LiDAR
504 m³
Parcel 36011D1214/00H000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Koolskampstraat 64, 8810 Lichtervelde
since 20212.314.436.826
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36011D1214/00H000 | Flanders | 344 m² | 1 · 96 m² | 6.9 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 3,570 EUR awarded · 3,570 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 3,570 EUR | 3,570 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 6,728 companies in sector 93299 we hold annual accounts for 1,168. 647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2021
Fiscal year end31-12
Activities, NACEBEL
93299Other amusement and recreation activities
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.