IBS
ActiveThe computed 12-month bankruptcy probability of IBS is 4.5% (elevated). The 2024 annual accounts show negative equity (€-20k) and a net result of €-26k. Equity is shrinking by ~204.5% per year across the filed fiscal years. Its solvency ranks better than 10% of 26043 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
13
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-58
Solvency0▼-36
Growth32=
Track record94
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.55 against 1.03 in 2023; short-term debt: 176.5% and cash: 3.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-76.5%
Return on assets
-98.2%
Age of the figures
21 mo
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
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 →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
222324
2022 to 2024 · latest year €-20k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
16 d early
2023
23 d early
2022
16 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-20k
2023 · €6k
2022: €7k
2023: €6k
2022 → 2024
Total assets
€26k▼ 47.2%
2023 · €50k
2022: €52k
2023: €50k
2022 → 2024
Net result
€-26k▼ 3,174%
2023 · €-791
2022: €5k
2023: €-791
2022 → 2024
Working capital
€-21k
2023 · €1k
2022: €-251
2023: €1k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€7k-€6k▼ 12.1%€-20k
Operating result€6k-€504▼ 91.6%€-24k
Net result€5k-€-791€-26k▼ 3,174%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €24k after €504 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €26k
Fixed assets
€596▼ 87.0%
Current assets
€26k▼ 43.2%
Key figures and ratios
EBITDA
€-21k▼
2023 · €4k
Cash flow
€-23k▼
2023 · €3k
Solvency
-76.5%▼
2023 · 11.5%
Current ratio
0.55▼
2023 · 1.03
Quick ratio
0.04▼
2023 · 0.16
Debt / equity
-2.31▼
2023 · 7.71
ROA
-98.2%▼
2023 · -1.6%
Interest coverage
-15.10▼
2023 · 4.92
Debt
€47k▲
2023 · €44k
Debt ≤ 1 year
€47k▲
2023 · €44k
Income taxes
€213▼
2023 · €750
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€50k€26k▼
Fixed assets21/28€5k€596▼
Intangible fixed assets21€2k-
Tangible fixed assets22/27€1k€596▼
Furniture and vehicles24€1k€596▼
Other tangible fixed assets26€203-
Financial fixed assets28€1k-
Current assets29/58€45k€26k▼
Stocks and contracts in progress3€38k€24k▼
Stocks30/36€38k€24k▼
Amounts receivable within one year40/41€1k€161▼
Trade receivables40€1k€131▼
Other amounts receivable41-€30
Cash at bank and in hand54/58€5k€997▼
Deferred charges and accrued income490/1€620€874▲
Equity and liabilities
Total equity and liabilities10/49€50k€26k▼
Equity10/15€6k€-20k▼
Contributions10/11€2k€2k=
Reserves13€4k-
Distributable reserves133€4k-
Profit (loss) carried forward14-€-22k
Amounts payable17/49€44k€47k▲
Amounts payable within one year42/48€44k€47k▲
Financial debts43-€67
Credit institutions430/8-€67
Trade debts44€437€2k▲
Suppliers440/4€437€2k▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€39k€42k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€6k€-19k▼
Operating profit (loss)9901€504€-24k▼
Financial income75/76B€272€34▼
Recurring financial income75€272€34▼
Financial charges65/66B€817€1k▲
Recurring financial charges65€817€1k▲
Profit (loss) for the period before taxes9903€-41€-26k▼
Income taxes67/77€750€213▼
Profit (loss) for the period9904€-791€-26k▼
Profit (loss) for the period to be appropriated9905€-791€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-791€-26k▼
Transfer from equity791/2€791€4k▲
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
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
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, Malle · 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.
Silvesterdennenlaan 52390 MalleGround area
1,970 m²
Building footprint
235 m²
Volume, LiDAR
1,359 m³
Parcel 11032D0613/00L003, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Marie-Lucia
since 20212.325.116.328
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11032D0613/00L003 | Flanders | 1,970 m² | 1 · 235 m² | 9.0 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 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,034 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Trade name NL
“Marcel Dogboutique”, “Marie-Lucia”, “Bobo Collar”
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
47762Retail sale of pets, pet food and pet supplies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.