IBJO
ActiveIBJO has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €47k. Its solvency ranks better than 31% of 1893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency60
Growth-
Stability67
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.6), but 69.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
30.1%
Return on assets
26.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€53k
Total assets
€176k
Net result
€47k
Working capital
€37k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €176k
Fixed assets
€78k
Current assets
€98k
Equity and liabilities €176k
Equity
€53k
Debt
€123k
Debt finances 69.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€76k
Cash flow
€56k
Solvency
30.1%
Current ratio
1.60
Quick ratio
1.60
Debt / equity
2.32
ROE
88.7%
ROA
26.7%
Interest coverage
54.00
Debt
€123k
Debt ≤ 1 year
€61k
Debt > 1 year
€61k
Income taxes
€19k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€176k
Fixed assets21/28€78k
Tangible fixed assets22/27€78k
Leasing and similar rights25€78k
Current assets29/58€98k
Current investments50/53€45k
Cash at bank and in hand54/58€48k
Deferred charges and accrued income490/1€5k
Equity and liabilities
Total equity and liabilities10/49€176k
Equity10/15€53k
Contributions10/11€6k
Reserves13€47k
Distributable reserves133€47k
Amounts payable17/49€123k
Amounts payable after more than one year17€61k
Financial debts170/4€61k
Amounts payable within one year42/48€61k
Current portion of amounts payable after more than one year42€17k
Trade debts44€7k
Suppliers440/4€7k
Advances received on contracts in progress46€400
Taxes, remuneration and social security45€31k
Taxes450/3€28k
Remuneration and social security454/9€3k
Other amounts payable47/48€7k
Accrued charges and deferred income492/3€738
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k
Other operating charges640/8€2k
Gross operating margin9900€77k
Operating profit (loss)9901€66k
Financial income75/76B€560
Recurring financial income75€560
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€65k
Income taxes67/77€19k
Profit (loss) for the period9904€47k
Profit (loss) for the period to be appropriated9905€47k
Appropriation of the result
Profit (loss) to be appropriated9906€47k
Transfer to equity691/2€47k
To other reserves6921€47k
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
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, Pittem · 1 establishment unit since 2025
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.
Wingensesteenweg 38740 PittemGround area
5,850 m²
Building footprint
135 m²
Volume, LiDAR
784 m³
Parcel 37003A0268/00D000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IBJO
since 20252.368.754.747
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37003A0268/00D000 | Flanders | 5,850 m² | 1 · 134 m² | 9.4 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 3,142 companies in sector 63920 we hold annual accounts for 1,516. 1,219 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2025
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.