IBH Consulting
ActiveIBH Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1k and a net result of €158k. Equity is shrinking by ~28.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 9% of 2430 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 2430 sector peers (2025).
NBB · sector comparisonPosition among 2430 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-11-2025, 163 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
163 d early
2024
187 d early
2023
155 d early
2022
162 d early
2021
123 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k=
2024 · €1k
2021: €50k
2022: €152k
2023: €182k
2024: €1k
2021 → 2025
Net result
€158k▲ 23.6%
2024 · €128k
2021: €50k
2022: €102k
2023: €89k
2024: €128k
2021 → 2025
Total assets
€202k▲ 31.9%
2024 · €153k
2021: €113k
2022: €221k
2023: €245k
2024: €153k
2021 → 2025
Solvency
0.5%▼ 0.2pp
2024 · 0.7%
2021: 44.7%
2022: 68.8%
2023: 74.5%
2024: 0.7%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€152k▲ 202%€182k▲ 20.1%€1k▼ 99.5%€1k=
Operating result€64k-€132k▲ 106%€121k▼ 8.4%€165k▲ 37.0%€207k▲ 25.2%
Net result€50k-€102k▲ 104%€89k▼ 12.8%€128k▲ 42.9%€158k▲ 23.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 25% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €202k
Fixed assets
€53k▲ 7,422%
Current assets
€149k▼ 2.0%
Equity and liabilities €202k
Equity
€1k=
Debt
€201k▲ 32.1%
The debt ratio rises from 99.3% to 99.5%. Debt is higher.
Key figures and ratios
Solvency
0.5%▼
2024 · 0.7%
ROA
78.1%▼
2024 · 83.3%
Debt
€201k▲
2024 · €152k
Debt ≤ 1 year
€168k▲
2024 · €152k
Debt > 1 year
€33k
Income taxes
€48k▲
2024 · €39k
A ratio outside any meaningful range has been withheld (balance sheet total €202k, equity €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€153k€202k▲
Fixed assets21/28€700€53k▲
Tangible fixed assets22/27€700€53k▲
Furniture and vehicles24€700€53k▲
Current assets29/58€152k€149k▼
Amounts receivable within one year40/41€27k€73k▲
Trade receivables40€26k€73k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€125k€75k▼
Deferred charges and accrued income490/1€894€987▲
Equity and liabilities
Total equity and liabilities10/49€153k€202k▲
Equity10/15€1k€1k=
Contributions10/11€1k€1k=
Amounts payable17/49€152k€201k▲
Amounts payable after more than one year17-€33k
Financial debts170/4-€33k
Amounts payable within one year42/48€152k€168k▲
Current portion of amounts payable after more than one year42€7k€13k▲
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€10k€12k▲
Taxes450/3€10k€12k▲
Other amounts payable47/48€136k€141k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€2k€11k▲
Gross operating margin9900€177k€226k▲
Operating profit (loss)9901€165k€207k▲
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€410€1k▲
Recurring financial charges65€410€1k▲
Profit (loss) for the period before taxes9903€167k€206k▲
Income taxes67/77€39k€48k▲
Profit (loss) for the period9904€128k€158k▲
Profit (loss) for the period to be appropriated9905€128k€158k▲
Appropriation of the result
Profit (loss) to be appropriated9906€309k€158k▼
Profit (loss) brought forward from the previous period14P€181k-
Profit to be distributed694/7€309k€158k▼
Return on contributions (dividend)694€309k€158k▼
The notes to these accounts (8 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
18-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Highest result since 2021net €158k ▲23.6%
Operating result €207k, net result €158k, both a record.
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-09
Financial
Equity above €150kEq €152k ▲202%
2 profitable years in a row build equity to €152k.
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lasne · 1 establishment unit since 2021
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.
Rue de l'Espiniat 101380 LasneGround area
1,351 m²
Building footprint
149 m²
Volume, LiDAR
766 m³
Parcel 25076F0086/00X000, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IBH Consulting
since 20212.315.633.884
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076F0086/00X000 | Wallonia | 1,351 m² | 1 · 149 m² | 6.8 m · 2 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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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 134 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2021
Fiscal year end30-09
Activities, NACEBEL
66220Insurance agents and brokers
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.