IBERTRADE
ActiveIBERTRADE has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.69M and a net result of €-81k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 89% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-76
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 7.35 against 6.61 in 2024; short-term debt: 6.3% and cash: 31.4% of total assets), and 12.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.5%
Return on assets
-4.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-12-2025, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
60 d early
2023
65 d early
2022
47 d early
2021
63 d early
2020
55 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.50M
EBIT margin
-3.9%
Net result
€-81k
2024 · €353k
2019: €-19k
2020: €-31k
2021: €26k
2022: €58k
2023: €-49k
2024: €353k
2019 → 2025
Working capital
€775k▼ 26.2%
2024 · €1.05M
2019: €577k
2020: €574k
2021: €573k
2022: €616k
2023: €530k
2024: €1.05M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.40M-€1.47M▲ 4.5%€1.42M▼ 3.4%€1.77M▲ 24.9%€1.69M▼ 4.6%
Operating result€29k-€60k▲ 109%€-44k€406k€-95k
Net result€26k-€58k▲ 127%€-49k€353k€-81k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €95k after €406k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.93M
Fixed assets
€1.03M▲ 20.7%
Current assets
€898k▼ 27.5%
Equity and liabilities €1.93M
Equity
€1.69M▼ 4.6%
Provisions
€20k▼ 5.9%
Debt
€220k▼ 27.2%
The debt ratio falls from 14.5% to 11.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-14k▼
2024 · €465k
Cash flow
€419▼
2024 · €412k
Solvency
87.5%▲
2024 · 84.5%
Current ratio
7.35▲
2024 · 6.61
Quick ratio
7.35▲
2024 · 6.61
Debt / equity
0.13▼
2024 · 0.17
ROE
-4.8%▼
2024 · 19.9%
ROA
-4.2%▼
2024 · 16.9%
Interest coverage
-1.44▼
2024 · 89.04
Debt
€220k▼
2024 · €303k
Debt ≤ 1 year
€122k▼
2024 · €187k
Debt > 1 year
€97k▼
2024 · €115k
Income taxes
€0▼
2024 · €62k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.09M€1.93M▼
Fixed assets21/28€854k€1.03M▲
Tangible fixed assets22/27€853k€1.03M▲
Land and buildings22€852k€883k▲
Plant, machinery and equipment23€182€0▼
Furniture and vehicles24€1k€147k▲
Financial fixed assets28€50€50=
Current assets29/58€1.24M€898k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€67k€21k▼
Trade receivables40€57k€3k▼
Other amounts receivable41€10k€18k▲
Current investments50/53€258k€264k▲
Cash at bank and in hand54/58€901k€605k▼
Deferred charges and accrued income490/1€12k€7k▼
Equity and liabilities
Total equity and liabilities10/49€2.09M€1.93M▼
Equity10/15€1.77M€1.69M▼
Contributions10/11€1.11M€1.11M=
Capital10€1.11M€1.11M=
Issued capital100€1.11M€1.11M=
Reserves13€663k€582k▼
Non-distributable reserves130/1€111k€111k=
Legal reserve130€111k€111k=
Other1319€696€696=
Tax-exempt reserves132€34k€32k▼
Distributable reserves133€518k€439k▼
Provisions and deferred taxes16€21k€20k▼
Deferred taxes168€21k€20k▼
Amounts payable17/49€303k€220k▼
Amounts payable after more than one year17€115k€97k▼
Financial debts170/4€115k€97k▼
Amounts payable within one year42/48€187k€122k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Financial debts43€329€0▼
Credit institutions430/8€329€0▼
Trade debts44€104k€7k▼
Suppliers440/4€104k€7k▼
Taxes, remuneration and social security45€418€34k▲
Taxes450/3€418€34k▲
Other amounts payable47/48€66k€64k▼
Accrued charges and deferred income492/3€350€945▲
Income statement
Code20242025
Non-recurring operating income76A€406k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€81k▲
Other operating charges640/8€30k€35k▲
Gross operating margin9900€495k€21k▼
Operating profit (loss)9901€406k€-95k▼
Financial income75/76B€13k€23k▲
Recurring financial income75€13k€23k▲
Financial charges65/66B€5k€10k▲
Recurring financial charges65€5k€10k▲
Profit (loss) for the period before taxes9903€414k€-82k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€62k€0▼
Profit (loss) for the period9904€353k€-81k▼
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€355k€-79k▼
Appropriation of the result
Profit (loss) to be appropriated9906€355k€-79k▼
Transfer from equity791/2€0€79k▲
Transfer to equity691/2€355k€0▼
To other reserves6921€355k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
05-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-81k ▼123%
Net result drops to €-81k, the lowest in the series.
2024
02-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Back to profitnet €353k
Net result €353k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 6.61
Current ratio from 2.13 to 6.61; short-term debt falls from €468k to €187k.
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
2020
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
24-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
14-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Antwerpen · 1 establishment unit since 1992
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.
De Pretstraat 3-52060 AntwerpenGround area
522 m²
Building footprint
522 m²
Volume, LiDAR
7,528 m³
Parcel 11807G1305/00F004, Flanders · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
De Pretstraat 3 5, 2060 Antwerpen
since 19922.059.622.378
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G1305/00F004 | Flanders | 522 m² | 1 · 522 m² | 18.8 m · 5 fl. |
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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HOEVEKE
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Of 9,139 companies in sector 68201 we hold annual accounts for 6,767. 4,460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-10-1992
Fiscal year end30-06
Activities, NACEBEL
46431Wholesale of electrical household appliances and audio-video equipment
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.