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IB CONSULT

Active
Private limited companyfounded 2023active for 3 yearsDrève des Charmes(GER) 2, 6280 Gerpinnes, BelgiumKBO/BCE: BE 0798.398.189
Summary

The annual accounts of IB CONSULT for financial year 2025 show a net loss of 99% of total assets and of 66% of the equity at the start of that year. The 2025 annual accounts show equity of €2,502 and a net result of -€4,923. Equity has been growing by about 43% per year since 2023. Its solvency ranks better than 58% of 13,716 sector peers (NACE 46, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).

Overview

Official details

Source: KBO
Status
Active since 13-02-2023 Normal situation
Registered office
11 active companies are registered at this address 1 started in the 12 months before. Source: KBO register, as of 1 November 2026.
Activity
Agents specialised in the wholesale of other particular products NACE 46180
Establishment unit
2.346.964.785 6200 Châtelet, since 05-05-2023
Financial year end
31 December
Peppol
Reachable since 24-11-2025

Board and ownership

Board
  • PARGESFIN SRLDirector · since 05-05-2023 · permanent representative LIESSE François

Financial position

55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.3%
Annual accounts 2025
Gross margin
-€4,338
Loss
€4,923
Equity
€2,502
▼ 66.3%
Total assets
€4,990
▼ 77.0%
Turnover not published (micro format)
Filed on 15-06-2026, 46 days before the deadline
Score breakdownraises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year1 change of registered office in 24 monthsFounded in 20231 of the last 3 accounts latelowers riskLiquidity: current ratio 2.01, cash €4,734Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 38% of micro companies in wholesale trade (NACE 46)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Average
Solvency 75+16
equity 50.1% of total assets
Liquidity 75+60
short-term debt 49.9% · cash 94.9%
Profitability 0-100
return on assets -98.7%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,899 companies, NACE 46, micro)
Last 24 months 12-2024: 2.2% 01-2025: 2.1%▼ -0.1 percentage points vs 12-2024 02-2025: 2.2%▲ +0.1 percentage points vs 01-2025 03-2025: 2.3%▲ +0.1 percentage points vs 02-2025 04-2025: 2.3%● unchanged vs 03-2025 05-2025: 2.3%● unchanged vs 04-2025 06-2025: 2.3%● unchanged vs 05-2025 07-2025: 2.4%▲ +0.1 percentage points vs 06-2025 08-2025: 3.2%▲ +0.8 percentage points vs 07-2025highest value 09-2025: 3.1%▼ -0.1 percentage points vs 08-2025 10-2025: 3.0%▼ -0.1 percentage points vs 09-2025 11-2025: 3.0%● unchanged vs 10-2025 12-2025: 3.0%● unchanged vs 11-2025 01-2026: 3.0%● unchanged vs 12-2025 02-2026: 3.0%● unchanged vs 01-2026 03-2026: 3.1%▲ +0.1 percentage points vs 02-2026 04-2026: 3.1%● unchanged vs 03-2026 05-2026: 3.1%● unchanged vs 04-2026 06-2026: 3.1%● unchanged vs 05-2026 07-2026: 0.7%▼ -2.4 percentage points vs 06-2026lowest value 08-2026: 1.5%▲ +0.8 percentage points vs 07-2026 09-2026: 1.5%● unchanged vs 08-2026 10-2026: 1.3%▼ -0.2 percentage points vs 09-2026 11-2026: 1.3%● unchanged vs 10-2026
No publishable credit limit, so 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.
The balance sheet total is too small for a liquidity verdict.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 58% of them on solvency, 79% on liquidity, 6% on profitability and 8% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Liquidity: current ratio 2.01, cash €4,734
NBB · annual accounts
raises risk · Founded in 2023
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 1 of the last 3 accounts late
NBB · filings
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-06-2026, 46 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
46 days early
2024
28 days late
2023
85 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 22 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (3 of the last 3 accounts filed within 74 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2023.
KBO publications

Key points

  • Caution: A director leftlatest change 25-02-2026 · 1 in office 1 left View

Comparable companies

These companies have the same main activity as IB CONSULT: agents specialised in the wholesale of other particular products (NACE 46180). They are comparable in size and age: total assets between €3,660 and €8,390, founded between 2021 and 2024.

CompanyTotal assetsGross margin
IB CONSULT Gerpinnes€4,990-€4,338
4N MANAGEMENT Asse€3,660-€4,778
SO FERN Braine-l'Alleud€7,320-€36,514
M&M Mixsolutions Kelmis€3,825-€1,847
FUNES & MATTHYS ASSOCIATES Gent€5,189-€805
RD MOTORS Neufchâteau Neufchâteau€8,393-€993
Grey Horse Kortrijk€7,330-€1,544
Full comparison

Key facts about IB CONSULT

What is the company number of IB CONSULT?
The company number of IB CONSULT is 0798.398.189. The VAT number is the same number with BE in front: BE 0798.398.189.
Where is IB CONSULT based?
The registered office is at Drève des Charmes(GER) 2, 6280 Gerpinnes.Company details
What does IB CONSULT do?
According to the KBO register, the main activity is agents specialised in the wholesale of other particular products (NACE 46180).
What is the legal form of IB CONSULT?
The legal form of IB CONSULT is Private limited company (BV).
When was IB CONSULT founded?
IB CONSULT was founded on 13-02-2023.
Is IB CONSULT still active?
Yes, IB CONSULT is an active enterprise in the KBO register.
What is the turnover of IB CONSULT?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
Is IB CONSULT profitable?
In financial year 2025, IB CONSULT made a loss of €4,923.
Where can I find the annual accounts of IB CONSULT?
IB CONSULT filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of IB CONSULT due?
IB CONSULT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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