Active BE 0716.634.614Private limited company (pre-2019)

iBayman

Zwaluwstraat 113 ·1840 Londerzeel, Belgium· 7 yrs active

Sector: Other business support services (82990)

Conclusion Checked

iBayman has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 7583 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€7k
Net result	€19k
Better than sector	16%
Active	7 yrs

Financial profile 5 of 5 axes measured · computed by Checked

58 / 100

Mixed profile: strong on profitability, weaker on solvency.

All 5 axes are computed from data Checked has read.

Health 48

Profitability 100

Solvency 8

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.7% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2018, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

48 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€500

estimate, not credit advice

Score history

75 2020

52 2021

2 2022

15 2023

16 2024

48 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.66 (< 1.0) -10

Leverage Debt/equity 15.76 (> 3.0) -10

Profitability ROE 261% (≥ 10%) +10

Interest coverage Interest coverage 4.1× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview7 NBB filings

Annual accounts filed on 29-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 82, Office administrative, office support and other business support activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	6.0%	50.9%	better than 16% of 7583 sector peers
Net result	€19k	€17k	better than 53% of 7573 sector peers
Equity	€7k	€58k	better than 19% of 7590 sector peers
Gross operating margin	€46k	€40k	better than 54% of 7568 sector peers
Total assets	€123k	€140k	better than 46% of 7588 sector peers

EBITDA

€46k

-53.4% 20-25

Net profit

€19k

-72.7% 20-25

Cash flow

€34k

-60.4% 20-25

Total assets

€123k

+18.7% 20-25

Equity

€7k

- 20-25

Working capital

€-33k

+51.7% 20-25

Income taxes

€544

+5.9% 20-25

Debt

€115k

+0.2% 20-25

Debt ≤ 1y

€96k

-3.9% 20-25

Current ratio

0.66

+102.1% 20-25

Quick ratio

0.66

+102.1% 20-25

Solvency

6.0%

- 20-25

Debt / equity

15.76

- 20-25

ROE

260.7%

- 20-25

ROA

15.6%

-77.0% 20-25

Interest coverage

4.12

-51.3% 20-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€46k	€98k	€-61k	€-71k	€-69k
Net profit	€19k	€70k	€-90k	€-92k	€-84k
Cash flow	€34k	€86k	€-67k	€-74k	€-69k
Staff costs	-	-	-	-	-
Income taxes	€544	€514	€255	€198	€171
Dividends	-	-	-	-	-
Total assets	€123k	€103k	€102k	€70k	€149k
Equity	€7k	€-12k	€-82k	€8k	€101k
Debt	€115k	€115k	€183k	€61k	€49k
of which ≤ 1y	€96k	€100k	€174k	€57k	€47k
of which > 1y	-	-	-	-	-
Working capital	€-33k	€-67k	€-155k	€-50k	€59k
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	0.66	0.33	0.11	0.13	2.25
Quick ratio	0.66	0.33	0.11	0.13	2.25
Working capital ratio	-26.5%	-65.3%	-152.7%	-71.6%	39.2%
Solvency	6.0%	-11.4%	-80.5%	12.0%	67.5%
Debt / equity	15.76	-9.78	-2.24	7.30	0.48
Long-term debt ratio	-	-	-	-	-
Interest coverage	4.12	8.47	-10.65	-28.20	-674.07
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	15.6%	67.7%	-88.7%	-132.5%	-56.3%
ROE	260.7%	-594.8%	110.3%	-1099.4%	-83.5%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €59k · 48.0% Current assets €64k · 52.0%

Equity & liabilities

Equity €7k · 6.0% Debt €115k · 94.0%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€123k	€103k	€102k	€70k	€149k
Fixed assets	21/28	€59k	€70k	€83k	€62k	€44k
Tangible fixed assets	22/27	€59k	€70k	€83k	€62k	€44k
Current assets	29/58	€64k	€33k	€19k	€7k	€105k
Amounts receivable within one year	40/41	€51k	€12k	€1k	€6k	€72k
Cash & bank	54/58	€12k	€20k	€17k	€813	€33k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€123k	€103k	€102k	€70k	€149k
Equity	10/15	€7k	€-12k	€-82k	€8k	€101k
Contributions / capital	10/11	€6k	€6k	€6k	€6k	€6k
Accumulated profits (losses)	14	€1k	€-18k	€-88k	€2k	€95k
Amounts payable	17/49	€115k	€115k	€183k	€61k	€49k
Amounts payable within one year	42/48	€96k	€100k	€174k	€57k	€47k
Trade debts payable within one year	44	€23k	€950	€62k	€399	-
Income statement
Gross operating margin	9900	€46k	€99k	€-61k	€-71k	€-68k
Operating result	9901	€31k	€82k	€-84k	€-90k	€-84k
Financial income	75	-	-	€17	-	-
Financial charges	65	€11k	€12k	€6k	€3k	€102
Result before taxes	9903	€20k	€70k	€-90k	€-92k	€-84k
Income taxes	67/77	€544	€514	€255	€198	€171
Net result for the period	9904	€19k	€70k	€-90k	€-92k	€-84k
Result to be appropriated	9905	€19k	€70k	€-90k	€-92k	€-84k

Legal Structure

NACE primary	Other business support services(82990)
Legal form	Private limited company (pre-2019)(015)
Incorporation	19-12-2018
Status	Active
Postal code	1840

Establishment units 1 location

iBayman

Zwaluwstraat 113, 1840 LonderzeelBusiness consulting

since 20182.283.342.881

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23048E0241/00T002	Flanders	225 m²	1 · 66 m²	-

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.

Updates 7 events

All 9Financial 2Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

31-12

Financial Back to profitnet €70k

Net result €70k after 3 loss-making years.

28-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-92k

Net result drops to €-92k, the lowest in the series; recovery starts the following year.

30-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

26-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 87 days late

2020

19-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 19 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

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.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Other business support services82990Other legal services69109

Names & trade names

Legal nameNL

iBayman

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