Skip to content

IBP&C

Active
Private limited companyfounded 20242 yrs activeClos de la Magneroule 3, 6001 Charleroi, BelgiumKBO/BCE: BE 1008.492.964
Summary

IBP&C has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51,973 and a net result of €18,248. Its solvency ranks better than 91% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Track record82
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 13.55 against 14.95 in 2024; short-term debt: 7.1% and cash: 90.4% of total assets), and 7.1% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
92.9%
Return on assets
32.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
23 d early
2024
23 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

IBP&C was incorporated on 17 April 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€51,973▲ 50.4%
2024 · €34,558
Total assets
€55,959▲ 51.8%
2024 · €36,858
Net result
€18,248▼ 47.7%
2024 · €34,917
Working capital
€50,032▲ 55.9%
2024 · €32,094
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€43,906-€23,179▼ 47.2%
Net result€34,917within the sector's middle half-€18,248within the sector's middle half▼ 47.7%
Equity€34,558within the sector's middle half-€51,973within the sector's middle half▲ 50.4%
Total assets€36,858below the sector's middle half-€55,959below the sector's middle half▲ 51.8%
Debt€2,300-€3,986▲ 73.3%
Working capital€32,094within the sector's middle half-€50,032within the sector's middle half▲ 55.9%
Solvency93.8%above the sector's middle half-92.9%above the sector's middle half▼ 0.9pp
Current ratio14.95above the sector's middle half-13.55above the sector's middle half▼ 1.40
Return on assets (ROA)94.7%above the sector's middle half-32.6%above the sector's middle half▼ 62.1pp
above within below the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000Operating result 2024: €43,906€43,906Net result 2024: €34,917€34,917Operating result 2025: €23,179€23,179Net result 2025: €18,248€18,24820242025€0€20,000€40,000Operating result 2024: €43,906€43,900Net result 2024: €34,917€34,900Operating result 2025: €23,179€23,200Net result 2025: €18,248€18,20020242025
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55,959
Fixed assets €1,942 ▼ 21.2%
Current assets €54,017 ▲ 57.1%
Equity and liabilities €55,959
Equity €51,973 ▲ 50.4%
Debt €3,986 ▲ 73.3%
Debt's share of the balance-sheet total rises from 6.2% to 7.1%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€23,702▼
2024 · €44,056
Cash flow
€18,771▼
2024 · €35,067
Debt to equity
0.08▲
2024 · 0.07
ROE
35.1%▼
2024 · 101.0%
Interest coverage
106.48▼
2024 · 1270.72
Debt ≤ 1 year
€3,986▲
2024 · €2,300
Income taxes
€4,990▼
2024 · €9,052
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet Code20242025
Assets
Total assets20/58€36,858€55,959▲
Fixed assets21/28€2,464€1,942▼
Tangible fixed assets22/27€2,464€1,942▼
Furniture and vehicles24€2,464€1,942▼
Current assets29/58€34,394€54,017▲
Amounts receivable within one year40/41€5,880€3,429▼
Trade receivables40€3,111€2,106▼
Other amounts receivable41€2,769€1,323▼
Cash at bank and in hand54/58€27,370€50,588▲
Deferred charges and accrued income490/1€1,144-
Equity and liabilities
Total equity and liabilities10/49€36,858€55,959▲
Equity10/15€34,558€51,973▲
Contributions10/11€500€500=
Profit (loss) carried forward14€34,058€51,473▲
Amounts payable17/49€2,300€3,986▲
Amounts payable within one year42/48€2,300€3,986▲
Trade debts44€1,441€858▼
Suppliers440/4€1,441€858▼
Taxes, remuneration and social security45-€1,685
Taxes450/3-€1,685
Other amounts payable47/48€859€1,442▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€149€523▲
Gross operating margin9900€44,056€23,702▼
Operating profit (loss)9901€43,906€23,179▼
Financial income75/76B€98€281▲
Recurring financial income75€98€281▲
Financial charges65/66B€35€223▲
Recurring financial charges65€35€223▲
Profit (loss) for the period before taxes9903€43,969€23,238▼
Income taxes67/77€9,052€4,990▼
Profit (loss) for the period9904€34,917€18,248▼
Profit (loss) for the period to be appropriated9905€34,917€18,248▼
Appropriation of the result
Profit (loss) to be appropriated9906€34,917€52,306▲
Profit (loss) brought forward from the previous period14P-€34,058
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€149€523▲ 250%
Gross operating margin9900€44,056€23,702▼ 46.2%
Operating profit (loss)9901€43,906€23,179▼ 47.2%
Financial income75/76B€98€281▲ 187%
Recurring financial income75€98€281▲ 187%
Financial charges65/66B€35€223▲ 542%
Recurring financial charges65€35€223▲ 542%
Profit (loss) for the period before taxes9903€43,969€23,238▼ 47.2%
Income taxes67/77€9,052€4,990▼ 44.9%
Profit (loss) for the period9904€34,917€18,248▼ 47.7%
Profit (loss) for the period to be appropriated9905€34,917€18,248▼ 47.7%
Line20242025Change
Assets
Total assets20/58€36,858€55,959▲ 51.8%
Fixed assets21/28€2,464€1,942▼ 21.2%
Tangible fixed assets22/27€2,464€1,942▼ 21.2%
Furniture and vehicles24€2,464€1,942▼ 21.2%
Current assets29/58€34,394€54,017▲ 57.1%
Amounts receivable within one year40/41€5,880€3,429▼ 41.7%
Trade receivables40€3,111€2,106▼ 32.3%
Other amounts receivable41€2,769€1,323▼ 52.2%
Cash at bank and in hand54/58€27,370€50,588▲ 84.8%
Deferred charges and accrued income490/1€1,144--
Equity and liabilities
Total equity and liabilities10/49€36,858€55,959▲ 51.8%
Equity10/15€34,558€51,973▲ 50.4%
Contributions10/11€500€500=
Profit (loss) carried forward14€34,058€51,473▲ 51.1%
Amounts payable17/49€2,300€3,986▲ 73.3%
Amounts payable within one year42/48€2,300€3,986▲ 73.3%
Trade debts44€1,441€858▼ 40.4%
Suppliers440/4€1,441€858▼ 40.4%
Taxes, remuneration and social security45-€1,685-
Taxes450/3-€1,685-
Other amounts payable47/48€859€1,442▲ 67.9%
Line20242025Change
Profit (loss) for the period9904€34,917€18,248▼ 47.7%
+ Depreciation and write-downs630€149€523▲ 250%
Operating cash flow (approximation)€35,067€18,771▼ 46.5%
Investment in fixed assets (approximation)-€0-
Change in cash-€23,218-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
08-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Charleroi · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
2,045 m²
Building footprint
185 m²
Volume, LiDAR
939 m³
Parcel 52392C0756/00Y021, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IBP&C
Clos de la Magneroule 3, 6001 CharleroiBusiness consulting
since 20242.359.207.472
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52392C0756/00Y021 Wallonia 2,045 m² 1 · 185 m² 7.5 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. 38,293 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded17-04-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:1008492964
Also 9925:BE1008492964
Registered 08-05-2024

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.