IAM FINE
ActiveIAM FINE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €39k and a net result of €39k. Its solvency ranks better than 54% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes
Profitability100
Solvency89
Growth-
Stability67
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.56), and 38.2% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€39k
Total assets
€62k
Net result
€39k
Working capital
€13k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €62k
Fixed assets
€25k
Current assets
€37k
Equity and liabilities €62k
Equity
€39k
Debt
€24k
Debt finances 38.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€49k
Cash flow
€39k
Solvency
61.8%
Current ratio
1.56
Quick ratio
1.56
Debt / equity
0.62
ROE
99.7%
ROA
61.7%
Interest coverage
3630.21
Debt
€24k
Debt ≤ 1 year
€24k
Income taxes
€10k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€62k
Fixed assets21/28€25k
Tangible fixed assets22/27€25k
Furniture and vehicles24€25k
Current assets29/58€37k
Amounts receivable within one year40/41€23k
Trade receivables40€23k
Cash at bank and in hand54/58€13k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€62k
Equity10/15€39k
Contributions10/11€100
Profit (loss) carried forward14€39k
Amounts payable17/49€24k
Amounts payable within one year42/48€24k
Trade debts44€1k
Suppliers440/4€1k
Taxes, remuneration and social security45€22k
Taxes450/3€22k
Other amounts payable47/48€418
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€666
Other operating charges640/8€2k
Gross operating margin9900€51k
Operating profit (loss)9901€49k
Financial charges65/66B€14
Recurring financial charges65€14
Profit (loss) for the period before taxes9903€49k
Income taxes67/77€10k
Profit (loss) for the period9904€39k
Profit (loss) for the period to be appropriated9905€39k
Appropriation of the result
Profit (loss) to be appropriated9906€39k
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
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Ath · 1 establishment unit since 2024
Ground area
560 m²
Building footprint
53 m²
Parcel 51004A0080/00L057, Wallonia. Linked by address, not a title deed.
1 establishment unit
IAM FINE
since 20242.363.759.247
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51004A0080/00L057 | Wallonia | 560 m² | 1 · 53 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 36,348 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.