IBLO.be
ActiveThe computed 12-month bankruptcy probability of IBLO.be is 1.6% (moderate). The 2025 annual accounts show equity of €124k and a net result of €57k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 10242 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency28▲+6
Growth78=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.02 in 2024), and 78.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
21.3%
Return on assets
9.8%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 28-11-2025, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
2 d early
2024
5 d early
2023
3 d early
2022
20 d early
2021
3 d late
2020
on the day
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close15-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€124k▲ 4.6%
2024 · €119k
2019: €-1k
2020: €27k
2021: €88k
2022: €116k
2023: €119k
2024: €119k
2019 → 2025
Total assets
€584k▼ 20.6%
2024 · €736k
2019: €5k
2020: €595k
2021: €926k
2022: €841k
2023: €787k
2024: €736k
2019 → 2025
Net result
€57k▼ 32.5%
2024 · €85k
2019: €-5k
2020: €65k
2021: €331k
2022: €253k
2023: €88k
2024: €85k
2019 → 2025
Working capital
€5k▼ 48.7%
2024 · €11k
2019: €-3k
2020: €-210k
2021: €-128k
2022: €72k
2023: €51k
2024: €11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€116k▲ 31.9%€119k▲ 2.3%€119k▲ 0.2%€124k▲ 4.6%
Operating result€343k-€268k▼ 22.0%€109k▼ 59.5%€76k▼ 30.1%€62k▼ 18.8%
Net result€331k-€253k▼ 23.4%€88k▼ 65.3%€85k▼ 2.9%€57k▼ 32.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 19% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €584k
Fixed assets
€122k▼ 18.9%
Current assets
€463k▼ 21.0%
Equity and liabilities €584k
Equity
€124k▲ 4.6%
Debt
€460k▼ 25.4%
The debt ratio falls from 83.9% to 78.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€90k▼
2024 · €105k
Cash flow
€86k▼
2024 · €114k
Solvency
21.3%▲
2024 · 16.1%
Current ratio
1.01▼
2024 · 1.02
Quick ratio
0.52▼
2024 · 0.60
Debt / equity
3.70▼
2024 · 5.19
ROE
46.3%▼
2024 · 71.7%
ROA
9.8%▼
2024 · 11.6%
Interest coverage
21.84▼
2024 · 33.03
Debt
€460k▼
2024 · €617k
Debt ≤ 1 year
€457k▼
2024 · €575k
Debt > 1 year
€3k▼
2024 · €42k
Income taxes
€0▼
2024 · €802
Staff costs
€209k▼
2024 · €310k
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€736k€584k▼
Fixed assets21/28€150k€122k▼
Tangible fixed assets22/27€150k€122k▼
Land and buildings22€20k€18k▼
Plant, machinery and equipment23€0-
Other tangible fixed assets26€130k€104k▼
Current assets29/58€586k€463k▼
Stocks and contracts in progress3€243k€227k▼
Stocks30/36€243k€227k▼
Amounts receivable within one year40/41€312k€219k▼
Trade receivables40€7k€22k▲
Other amounts receivable41€305k€198k▼
Cash at bank and in hand54/58€27k€14k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€736k€584k▼
Equity10/15€119k€124k▲
Contributions10/11€6k€6k=
Reserves13€113k€113k=
Distributable reserves133€113k€113k=
Profit (loss) carried forward14€0€5k▲
Amounts payable17/49€617k€460k▼
Amounts payable after more than one year17€42k€3k▼
Financial debts170/4€42k€3k▼
Amounts payable within one year42/48€575k€457k▼
Current portion of amounts payable after more than one year42€50k€40k▼
Trade debts44€344k€298k▼
Suppliers440/4€344k€298k▼
Taxes, remuneration and social security45€88k€61k▼
Taxes450/3€15k€14k▼
Remuneration and social security454/9€73k€46k▼
Other amounts payable47/48€92k€59k▼
Income statement
Code20242025
Remuneration, social security and pensions62€310k€209k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€28k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€417k€303k▼
Operating profit (loss)9901€76k€62k▼
Financial income75/76B€13k€0▼
Recurring financial income75€13k€0▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€86k€57k▼
Income taxes67/77€802€0▼
Profit (loss) for the period9904€85k€57k▼
Profit (loss) for the period to be appropriated9905€85k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€85k€57k▼
Transfer to equity691/2€209€0▼
To other reserves6921€209€0▼
Profit to be distributed694/7€85k€52k▼
Directors or managers695€85k€52k▼
Social balance
Average headcount (FTE)90876.55.0▼
The notes to these accounts (14 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
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
25-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-04
Financial
Equity above €100kEq €116k ▲31.9%
3 profitable years in a row build equity to €116k.
2021
03-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
30-04
Financial
Highest result since 2019net €331k ▲411%
Operating result €343k, net result €331k, both a record.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-04
Financial
Back to profitnet €65k
Net result €65k after one loss-making year.
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hooglede · 4 establishment units since 2017
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.
Grote Noordstraat 578830 HoogledeGround area
2,142 m²
Building footprint
1,355 m²
Volume, LiDAR
13,524 m³
4 parcels, Flanders · tallest building 22.2 m, ±5 floors. Linked by address, not a title deed.
4 establishment units
Grote Noordstraat 57, 8830 Hooglede
since 20172.265.624.644
PATRIZIA PEPE
since 20192.295.696.426
SEVEN FOR ALL MANKIND
since 20192.295.696.525
SEVEN FOR ALL MANKIND
since 20192.295.696.723
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402D0397/00A000 | Flanders | 896 m² | 1 · 971 m² | 22.2 m · 5 fl. |
| 36006B0846/00P000 | Flanders | 878 m² | 1 · 196 m² | 7.5 m · 2 fl. |
| 38402D0350/00B000 | Flanders | 298 m² | 1 · 118 m² | 19.6 m |
| 44803C0696/00A000 | Flanders | 70 m² | 1 · 70 m² | 15.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,200 companies in sector 47711 we hold annual accounts for 889. 699 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2017
Fiscal year end30-04
Activities, NACEBEL
47711Retail sale of women's outerwear
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress 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.