IBFM GROUP
ActiveThe computed 12-month bankruptcy probability of IBFM GROUP is 5.5% (elevated). The 2025 annual accounts show equity of €91k and a net result of €8k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 65% of 13270 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+1
Solvency73▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
5.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity ample (current ratio 1.77 against 1.66 in 2024; short-term debt: 52.3% and cash: 31.9% of total assets), but 52.3% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
47.7%
Return on assets
4.4%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
21 d late
2024
on the day
2023
on the day
2022
25 d early
2021
31 d early
2020
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▲ 10.1%
2024 · €82k
2020: €71k
2021: €93k
2022: €97k
2023: €77k
2024: €82k
2020 → 2025
Total assets
€190k▲ 5.7%
2024 · €180k
2020: €169k
2021: €216k
2022: €163k
2023: €178k
2024: €180k
2020 → 2025
Net result
€8k▲ 47.6%
2024 · €6k
2020: €21k
2021: €22k
2022: €4k
2023: €-727
2024: €6k
2020 → 2025
Working capital
€76k▲ 18.0%
2024 · €65k
2020: €40k
2021: €64k
2022: €71k
2023: €53k
2024: €65k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€97k▲ 4.4%€77k▼ 21.3%€82k▲ 7.4%€91k▲ 10.1%
Operating result€16k-€4k▼ 72.0%€4k▼ 10.5%€16k▲ 303%€9k▼ 41.4%
Net result€22k-€4k▼ 81.0%€-727€6k€8k▲ 47.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190k
Fixed assets
€14k▼ 18.9%
Current assets
€176k▲ 8.4%
Equity and liabilities €190k
Equity
€91k▲ 10.1%
Debt
€99k▲ 1.9%
The debt ratio falls from 54.2% to 52.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▼
2024 · €22k
Cash flow
€12k▼
2024 · €12k
Solvency
47.7%▲
2024 · 45.8%
Current ratio
1.77▲
2024 · 1.66
Quick ratio
1.71▲
2024 · 1.49
Debt / equity
1.10▼
2024 · 1.19
ROE
9.2%▲
2024 · 6.9%
ROA
4.4%▲
2024 · 3.1%
Interest coverage
13.10▼
2024 · 18.07
Debt
€99k▲
2024 · €97k
Debt ≤ 1 year
€99k▲
2024 · €97k
Staff costs
€157k▼
2024 · €162k
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€180k€190k▲
Fixed assets21/28€18k€14k▼
Tangible fixed assets22/27€9k€6k▼
Plant, machinery and equipment23€933€98▼
Furniture and vehicles24€2k€211▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€8k€8k=
Current assets29/58€162k€176k▲
Stocks and contracts in progress3€17k€6k▼
Stocks30/36€17k€6k▼
Amounts receivable within one year40/41€57k€107k▲
Trade receivables40€50k€98k▲
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€87k€61k▼
Deferred charges and accrued income490/1€659€2k▲
Equity and liabilities
Total equity and liabilities10/49€180k€190k▲
Equity10/15€82k€91k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€32k€41k▲
Amounts payable17/49€97k€99k▲
Amounts payable within one year42/48€97k€99k▲
Trade debts44€27k€34k▲
Suppliers440/4€27k€34k▲
Taxes, remuneration and social security45€68k€63k▼
Taxes450/3€8k€9k▲
Remuneration and social security454/9€60k€55k▼
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€162k€157k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€63-
Gross operating margin9900€184k€170k▼
Operating profit (loss)9901€16k€9k▼
Financial charges65/66B€1k€963▼
Recurring financial charges65€1k€963▼
Profit (loss) for the period before taxes9903€15k€8k▼
Income taxes67/77€9k-
Profit (loss) for the period9904€6k€8k▲
Profit (loss) for the period to be appropriated9905€6k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€41k▲
Profit (loss) brought forward from the previous period14P€27k€32k▲
The notes to these accounts (6 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
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-727 ▼118%
Net result drops to €-727, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €22k ▲2.4%
Net result €22k, the highest in the series.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Anderlecht · 1 establishment unit since 2020
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.
Claude Debussystraat 91B1070 AnderlechtGround area
483 m²
Building footprint
389 m²
Volume, LiDAR
2,288 m³
2 parcels, Brussels, Flanders · tallest building 12.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
So Sushi Ternat
since 20202.298.693.528
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0648/00B004 | Brussels | 272 m² | 1 · 202 m² | 12.0 m · 1 fl. |
| 23086A0366/00C004 | Flanders | 211 m² | 1 · 187 m² | 12.0 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTernat2.298.693.528
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Resistance
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,937 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2020
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.