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IACOV

Active
Private limited companyfounded 20205 yrs activeZ. 3 Doornveld 150, 1731 Asse, BelgiumKBO/BCE: BE 0759.489.313
Summary

The computed 12-month bankruptcy probability of IACOV is 4.9% (elevated). The 2025 annual accounts show equity of €50,336 and a net result of €2,098. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 34% of 8982 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
IACOVActiveChecked score 38/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€179,322total assets 2025
Equity
€50,336
Profit
€2,098
Turnover not published (abridged schema)
Financial health
38 Weak Checked score 2025
Bankruptcy chance 12 m
4.9%
Structure
Accounts filed 123 d late1 of 3 deeds read
Why 38- Latest accounts 124 days late; 3 of the last 3 late- Founded in 2020- Sector Construction of residential and non-residential buildings (NACE 41)+ Liquidity: current ratio 2.15, cash €36,981Show the evidence

Checked score

Score 2025
38 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 46% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 53-37
equity 28.1% of total assets
Liquidity 68+18
short-term debt 22.2% · cash 20.6%
Profitability 58+3
return on assets 1.2%
Bankruptcy probability, 12 months
4.9% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,373 companies)
Last 24 months 11-2024: 2.8% 12-2024: 2.7%▼ -4.4% vs 11-2024 01-2025: 2.8%▲ +3.1% vs 12-2024 02-2025: 2.0%▼ -27.4% vs 01-2025lowest value 03-2025: 2.3%▲ +13.3% vs 02-2025 04-2025: 2.9%▲ +29.4% vs 03-2025 05-2025: 3.4%▲ +15.5% vs 04-2025 06-2025: 3.4%● 0.0% vs 05-2025 07-2025: 3.4%▼ -1.1% vs 06-2025 08-2025: 3.4%● 0.0% vs 07-2025 09-2025: 3.3%▼ -0.6% vs 08-2025 10-2025: 3.4%▲ +2.1% vs 09-2025 11-2025: 3.5%▲ +2.3% vs 10-2025 12-2025: 3.5%▲ +0.6% vs 11-2025 01-2026: 3.6%▲ +1.4% vs 12-2025 02-2026: 4.0%▲ +11.8% vs 01-2026 03-2026: 6.9%▲ +74.3% vs 02-2026 04-2026: 9.3%▲ +33.7% vs 03-2026 05-2026: 9.5%▲ +2.0% vs 04-2026 06-2026: 10.0%▲ +6.0% vs 05-2026highest value 07-2026: 4.8%▼ -51.9% vs 06-2026 08-2026: 4.8%● 0.0% vs 07-2026 09-2026: 4.8%▼ -0.6% vs 08-2026 10-2026: 4.9%▲ +3.0% vs 09-2026
  • Latest accounts 124 days late; 3 of the last 3 late raises the probability
  • Founded in 2020 raises the probability for this profile
  • Liquidity: current ratio 2.15, cash €36,981 lowers the probability
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Credit up to €1,500 at 30 days only on tighter terms
Liquidity ample (current ratio 2.15 against 2.65 in 2024; short-term debt: 22.2% and cash: 20.6% of total assets), but 71.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 35%, liquidity 73%, profitability 32%, growth against the median 45%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Latest accounts 124 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Founded in 2020
In the bankruptcy model this factor raises the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 2.15, cash €36,981
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-06-2026, 123 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 · 4 filings
Deviation from the deadline
2025
123 d late
2024
76 d late
2023
36 d late
2022
8 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 61 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 28 March (3 of the last 4 filed years within 48 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close05-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Registered officeRegistered-office move
  3. Weakest financial yearnet €2,098 ▼51.4%

Key points

  • Caution: Latest accounts filed lateafter the legal deadline 123 d View
  • Total assets 20254 fiscal years filed €179,322 View
  • Active since 2020founded 07-12-2020 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€179,322
Profit
€2,098
Solvency
28.1%
Go to Financials

Timeline

Events
7
Since
2023
Next accounts
by 31-01-2027
  1. 03-06-2026Annual accounts filed
  2. 24-02-2026Registered office
  3. 30-06-2025Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
07-12-2020
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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