I.V.M.M.
ActiveThe computed 12-month bankruptcy probability of I.V.M.M. is 2.8% (moderate). The 2025 annual accounts show equity of €24k and a net result of €-2k. Its solvency ranks better than 77% of 1294 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-74
Solvency96▼-4
Growth32
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 3.42 against 24.39 in 2024; short-term debt: 29.2% and cash: 0.2% of total assets), and 29.2% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← 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 2025Solvency, return and age of the figures
Solvency
70.8%
Return on assets
-4.6%
Age of the figures
17 mo
neutral · Filed after the deadline
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 02-12-2025, 2 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 · 2 filingsDeviation from the deadline
2025
2 d late
2024
67 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close18-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€78k
EBIT margin
26.3%
Net result
€-2k
2024 · €23k
2024: €23k
2024 → 2025
Working capital
€24k▼ 6.1%
2024 · €25k
2024: €25k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€78k-
Equity€25k-€24k▼ 6.1%
Operating result€20k-€2k▼ 88.0%
Net result€23k-€-2k
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 88% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €34k
Equity
€24k▼ 6.1%
Debt
€10k▲ 807%
The debt ratio rises from 4.1% to 29.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
70.8%▼
2024 · 95.9%
Current ratio
3.42▼
2024 · 24.39
Quick ratio
3.42▼
2024 · 24.39
Debt / equity
0.41▲
2024 · 0.04
ROE
-6.5%▼
2024 · 90.1%
ROA
-4.6%▼
2024 · 86.4%
Debt
€10k▲
2024 · €1k
Debt ≤ 1 year
€10k▲
2024 · €1k
Income taxes
€6k
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€26k€34k▲
Current assets29/58€26k€34k▲
Amounts receivable within one year40/41€26k€34k▲
Trade receivables40€2k€5k▲
Other amounts receivable41€25k€29k▲
Cash at bank and in hand54/58€270€62▼
Equity and liabilities
Total equity and liabilities10/49€26k€34k▲
Equity10/15€25k€24k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€23k€21k▼
Amounts payable17/49€1k€10k▲
Amounts payable within one year42/48€1k€10k▲
Trade debts44€276€4k▲
Suppliers440/4€276€4k▲
Taxes, remuneration and social security45€808€6k▲
Taxes450/3€808€6k▲
Accrued charges and deferred income492/3€1-
Income statement
Code20242025
Turnover70€78k-
Goods, raw materials, services and sundry goods60/61€57k-
Other operating charges640/8€2k-
Gross operating margin9900€23k€2k▼
Operating profit (loss)9901€20k€2k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€67€93▲
Recurring financial charges65€67€93▲
Profit (loss) for the period before taxes9903€23k€4k▼
Income taxes67/77-€6k
Profit (loss) for the period9904€23k€-2k▼
Profit (loss) for the period to be appropriated9905€23k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€21k▼
Profit (loss) brought forward from the previous period14P-€23k
The notes to these accounts (1 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
2025
02-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
05-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Overijse · 1 establishment unit since 2023
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.
Tervarenthof 193090 OverijseGround area
370 m²
Building footprint
68 m²
Volume, LiDAR
428 m³
Parcel 23062B0381/00A010, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tervarenthof 19, 3090 Overijse
since 20232.342.439.340
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0381/00A010 | Flanders | 370 m² | 1 · 68 m² | 8.3 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.
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Of 651 companies in sector 33140 we hold annual accounts for 204. 157 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2023
Fiscal year end30-04
Activities, NACEBEL
33140Repair and maintenance of electrical equipment
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:laurentiumartolea@mac.com
Phone:0497/11.73.00