Financials
- Fiscal year
- 2025
- Total assets
- €3.8m
- Profit
- €88,330
- Solvency
- 16.8%
Total assets▼ 0.8%
Net result
20192025
IBAN GROUP
ActiveSummary
IBAN GROUP has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €643,357 and a net result of €88,330. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 21% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€3.8mtotal assets 2025
- Equity
- €643,357
- Profit
- €88,330
Turnover not published (abridged schema)
Structure
- Holdings
- 1
Accounts filed 25 d late0 of 5 deeds read
Why 89- Liquidity: current ratio 0.02, cash €21,632- Figures for FY 2025 (filed 25-11-2025)+ Size: total assets €3.8m+ Sector Activities of head offices; management consultancy activities (NACE 70)Show the evidence
Checked score
Score 2025
89
/ 100
Excellent
Probability in this band: under 0.55%
Better than 43% of its sector peers (NACE 70, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
42+3
equity 16.8% of total assets
Liquidity
33-2
short-term debt 38.2% · cash 0.6%
Profitability
72-1
return on assets 2.3%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 17 months
06-2025: 0.1%
07-2025: 0.1%▲ +8.2% vs 06-2025
08-2025: 0.1%▲ +15.2% vs 07-2025
09-2025: 0.1%▲ +44.0% vs 08-2025
10-2025: 0.2%▲ +32.1% vs 09-2025
11-2025: 0.3%▲ +95.4% vs 10-2025highest value
12-2025: < 0.1%▼ -85.8% vs 11-2025lowest value
01-2026: < 0.1%● 0.0% vs 12-2025lowest value
02-2026: < 0.1%● 0.0% vs 01-2026lowest value
03-2026: < 0.1%● 0.0% vs 02-2026lowest value
04-2026: < 0.1%● 0.0% vs 03-2026lowest value
05-2026: < 0.1%● 0.0% vs 04-2026lowest value
06-2026: 0.1%▲ +27.1% vs 05-2026
07-2026: 0.1%▲ +18.0% vs 06-2026
08-2026: 0.1%▲ +13.9% vs 07-2026
09-2026: 0.1%▲ +45.1% vs 08-2026
10-2026: 0.2%▲ +32.8% vs 09-2026
- Size: total assets €3.8m lowers the probability for this profile
- Liquidity: current ratio 0.02, cash €21,632 raises the probability
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Figures for FY 2025 (filed 25-11-2025) raises the probability
Credit up to €55,000 at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.02 in 2024; short-term debt: 38.2% and cash: 0.6% of total assets), and 83.2% 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 70, small). Better than this share of them on solvency 18%, liquidity 18%, profitability 62%, growth against the median 72%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 34931 sector peers (2025).
NBB · sector comparisonPosition among 34931 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 25-11-2025, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
on the day
2023
30 d late
2022
4 d early
2021
3 d late
2020
27 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 3 November (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close02-10-2026 today31-10-2026 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2019net €124,567 ▲28%
Key points
By topic
Network & group
- Subsidiaries
- 1
1 subsidiary
Timeline
- Events
- 14
- Since
- 2016
- Next accounts
- by 31-10-2026
- 25-11-2025Annual accounts filed
- 31-10-2024Annual accounts filed
- 31-03-2024Highest result since 2019
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 30-11-2012
- Year ends
- 31-03
- Peppol
- Reachable for e-invoices
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