IB CONSULT
ActiveThe computed 12-month bankruptcy probability of IB CONSULT is 2.3% (moderate). The 2024 annual accounts show equity of €7k and a net result of €7k. Its solvency ranks better than 46% of 15870 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
86
/ 100
Excellent▲ +46 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency65▲+47
Growth78
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.52), but 65.8% 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 46
Relative position
BE, all sectors
reference
Sector 46
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 2024Solvency, return and age of the figures
Solvency
34.2%
Return on assets
32.6%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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
not confirmed
2024
28 d late
2023
85 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€7k▲ 2,110%
2023 · €336
2023: €336
2023 → 2024
Total assets
€22k▲ 393%
2023 · €4k
2023: €4k
2023 → 2024
Net result
€7k
2023 · €-3k
2023: €-3k
2023 → 2024
Working capital
€7k▲ 2,110%
2023 · €336
2023: €336
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€336-€7k▲ 2,110%
Operating result€-3k-€9k
Net result€-3k-€7k
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: €9k after a loss of €3k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €22k
Equity
€7k▲ 2,110%
Debt
€14k▲ 252%
The debt ratio falls from 92.4% to 65.8%: equity grows faster than debt.
Key figures and ratios
Solvency
34.2%
Current ratio
1.52
Quick ratio
1.52
Debt / equity
1.93
ROE
95.5%
ROA
32.6%
Debt
€14k▲
2023 · €4k
Debt ≤ 1 year
€14k▲
2023 · €4k
Income taxes
€1k
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€4k€22k▲
Current assets29/58€4k€22k▲
Amounts receivable within one year40/41€3k€22k▲
Trade receivables40€3k€21k▲
Other amounts receivable41€271€657▲
Cash at bank and in hand54/58€1k€44▼
Equity and liabilities
Total equity and liabilities10/49€4k€22k▲
Equity10/15€336€7k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-3k€4k▲
Amounts payable17/49€4k€14k▲
Amounts payable within one year42/48€4k€14k▲
Trade debts44€2k€11k▲
Suppliers440/4€2k€11k▲
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€2k€2k▲
Income statement
Code20232024
Other operating charges640/8€384€387▲
Gross operating margin9900€-2k€9k▲
Operating profit (loss)9901€-3k€9k▲
Financial charges65/66B€10€115▲
Recurring financial charges65€10€115▲
Profit (loss) for the period before taxes9903€-3k€9k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-3k€7k▲
Profit (loss) for the period to be appropriated9905€-3k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€4k▲
Profit (loss) brought forward from the previous period14P-€-3k
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
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 85 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gerpinnes · 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.
Drève des Charmes(GER) 26280 GerpinnesGround area
6,931 m²
Building footprint
1,790 m²
Volume, LiDAR
11,119 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IB Consult
since 20232.346.964.785
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52012B0228/00M002 | Wallonia | 5,330 m² | 1 · 1,626 m² | 7.2 m · 2 fl. |
| 52025A0328/00N008 | Wallonia | 1,601 m² | 1 · 164 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 788 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2023
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress 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.
Contact details
2 entriesE-mail:francoisliesse@icloud.com
Phone:+32475613306