I-VERT
ActiveI-VERT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €67k and a net result of €84k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 37% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency16▼-17
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.76 against 0.38 in 2023), and 84.2% 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 68
Relative position
BE, all sectors
reference
Sector 68
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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-11-2025, 113 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
113 d late
2023
78 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€67k
2023 · €-14k
2018: €51k
2019: €11k
2020: €50k
2021: €50k
2022: €51k
2023: €-14k
2018 → 2024
Total assets
€421k▲ 23.5%
2023 · €341k
2018: €138k
2019: €341k
2020: €340k
2021: €349k
2022: €393k
2023: €341k
2018 → 2024
Net result
€84k
2023 · €-65k
2018: €-2k
2019: €-40k
2020: €40k
2021: €-414
2022: €865
2023: €-65k
2018 → 2024
Working capital
€-45k▲ 55.7%
2023 · €-102k
2018: €-2k
2019: €-79k
2020: €-54k
2021: €-62k
2022: €-49k
2023: €-102k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€50k-€50k▼ 0.8%€51k▲ 1.7%€-14k€67k
Operating result€51k-€2k▼ 95.2%€11k▲ 332%€-55k€137k
Net result€40k-€-414€865€-65k€84k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €137k after a loss of €55k in 2023, the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €421k
Fixed assets
€276k▼ 0.1%
Current assets
€144k▲ 126%
Equity and liabilities €421k
Equity
€67k
Debt
€354k
Debt finances 84.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€151k▲
2023 · €-37k
Cash flow
€99k▲
2023 · €-46k
Solvency
15.8%▲
2023 · -4.1%
Current ratio
0.76▲
2023 · 0.38
Quick ratio
0.46▲
2023 · 0.25
Debt / equity
5.33▲
2023 · -25.50
ROE
126.9%▼
2023 · 464.2%
ROA
20.1%▲
2023 · -18.9%
Interest coverage
3.40▲
2023 · -4.23
Debt
€354k▼
2023 · €354k
Debt ≤ 1 year
€190k▲
2023 · €166k
Debt > 1 year
€164k▼
2023 · €188k
Income taxes
€8k▲
2023 · €345
Staff costs
€58k▼
2023 · €136k
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€341k€421k▲
Fixed assets21/28€277k€276k▼
Intangible fixed assets21€8k€16k▲
Tangible fixed assets22/27€268k€260k▼
Land and buildings22€260k€249k▼
Plant, machinery and equipment23€14-
Furniture and vehicles24€9k€10k▲
Financial fixed assets28€292€292=
Current assets29/58€64k€144k▲
Stocks and contracts in progress3€22k€57k▲
Stocks30/36€22k€57k▲
Amounts receivable within one year40/41€20k€7k▼
Trade receivables40€20k€7k▼
Cash at bank and in hand54/58€19k€47k▲
Deferred charges and accrued income490/1€3k€34k▲
Equity and liabilities
Total equity and liabilities10/49€341k€421k▲
Equity10/15€-14k€67k▲
Contributions10/11€55k€55k=
Profit (loss) carried forward14€-69k€12k▲
Amounts payable17/49€354k€354k▼
Amounts payable after more than one year17€188k€164k▼
Financial debts170/4€188k€164k▼
Amounts payable within one year42/48€166k€190k▲
Current portion of amounts payable after more than one year42€17k€21k▲
Trade debts44€15k€15k▲
Suppliers440/4€15k€15k▲
Taxes, remuneration and social security45€34k€20k▼
Taxes450/3€18k€15k▼
Remuneration and social security454/9€17k€5k▼
Other amounts payable47/48€99k€134k▲
Accrued charges and deferred income492/3€43-
Income statement
Code20232024
Remuneration, social security and pensions62€136k€58k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€14k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€104k€213k▲
Operating profit (loss)9901€-55k€137k▲
Financial income75/76B€1€3▲
Recurring financial income75€1€3▲
Financial charges65/66B€9k€45k▲
Recurring financial charges65€9k€45k▲
Profit (loss) for the period before taxes9903€-64k€92k▲
Income taxes67/77€345€8k▲
Profit (loss) for the period9904€-65k€84k▲
Profit (loss) for the period to be appropriated9905€-65k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-69k€16k▲
Profit (loss) brought forward from the previous period14P€-4k€-69k▼
Profit to be distributed694/7-€4k
Directors or managers695-€4k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 113 days late
2024
31-12
Financial
Back to profitnet €84k
Net result €84k after one loss-making year.
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 78 days late
2023
31-12
Financial
Weakest financial yearnet €-65k ▼7558%
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €865
Net result €865 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €40k
Net result €40k after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
17-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 109 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ciney · 1 establishment unit since 2010
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.
Chemin de l'Alloux 3A5590 CineyGround area
426 m²
Parcel 91030C0725/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
I-VERT
since 20102.195.132.071
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030C0725/00N000 | Wallonia | 426 m² | - | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
2549002O4AN8L9B8EO35
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Of 9,635 companies in sector 68121 we hold annual accounts for 7,328. 5,132 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2010
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68321Property management for co-owned buildings (syndics)
68122Development of non-residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.