ICA
ActiveICA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €2k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-9
Solvency53▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.65 in 2024; short-term debt: 43.8% and cash: 15% of total assets), and 71.9% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
28.1%
Return on assets
1.5%
Age of the figures
9 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
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 04-07-2026, 27 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
27 d early
2024
11 d early
2023
16 d early
2022
13 d early
2021
22 d early
2020
26 d early
2019
13 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€130k
EBIT margin
-31.2%
Net result
€2k▼ 75.5%
2024 · €9k
2018: €1k
2019: €2k
2020: €34k
2021: €-42k
2022: €27k
2023: €240
2024: €9k
2018 → 2025
Working capital
€16k▼ 56.1%
2024 · €36k
2018: €1k
2019: €-2k
2020: €37k
2021: €-3k
2022: €25k
2023: €27k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€130k-
Equity€2k-€29k▲ 1,160%€30k▲ 0.8%€38k▲ 30.0%€41k▲ 5.7%
Operating result€-40k-€35k€961▼ 97.3%€12k▲ 1,188%€8k▼ 32.8%
Net result€-42k-€27k€240▼ 99.1%€9k▲ 3,602%€2k▼ 75.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€66k▲ 2,185%
Current assets
€79k▼ 12.3%
Equity and liabilities €145k
Equity
€41k▲ 5.7%
Debt
€104k▲ 91.2%
The debt ratio rises from 58.6% to 71.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k
Cash flow
€10k
Solvency
28.1%▼
2024 · 41.4%
Current ratio
1.25▼
2024 · 1.65
Quick ratio
1.25▼
2024 · 1.65
Debt / equity
2.56▲
2024 · 1.42
ROE
5.4%▼
2024 · 23.1%
ROA
1.5%▼
2024 · 9.5%
Interest coverage
3.73
Debt
€104k▲
2024 · €55k
Debt ≤ 1 year
€63k▲
2024 · €55k
Debt > 1 year
€41k
Income taxes
€2k▼
2024 · €3k
Staff costs
€5k
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€93k€145k▲
Fixed assets21/28€3k€66k▲
Tangible fixed assets22/27-€63k
Plant, machinery and equipment23-€62k
Furniture and vehicles24-€919
Financial fixed assets28€3k€3k=
Current assets29/58€90k€79k▼
Amounts receivable within one year40/41€87k€57k▼
Trade receivables40€76k€22k▼
Other amounts receivable41€11k€36k▲
Cash at bank and in hand54/58€3k€22k▲
Equity and liabilities
Total equity and liabilities10/49€93k€145k▲
Equity10/15€38k€41k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€30k€33k▲
Amounts payable17/49€55k€104k▲
Amounts payable after more than one year17-€41k
Financial debts170/4-€41k
Amounts payable within one year42/48€55k€63k▲
Financial debts43-€9k
Credit institutions430/8-€9k
Trade debts44€11k€12k▲
Suppliers440/4€11k€12k▲
Taxes, remuneration and social security45€29k€27k▼
Taxes450/3€16k€17k▲
Remuneration and social security454/9€12k€10k▼
Other amounts payable47/48€15k€15k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€8k
Other operating charges640/8€3k€17k▲
Gross operating margin9900€15k€39k▲
Operating profit (loss)9901€12k€8k▼
Financial income75/76B€29€39▲
Recurring financial income75€29€39▲
Financial charges65/66B€522€4k▲
Recurring financial charges65€522€4k▲
Profit (loss) for the period before taxes9903€12k€4k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€9k€2k▼
Profit (loss) for the period to be appropriated9905€9k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€33k▲
Profit (loss) brought forward from the previous period14P€22k€30k▲
The notes to these accounts (7 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
2026
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-42k ▼221%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €34k ▲1394%
Operating result €43k, net result €34k, both a record.
31-12
Financial
Liquidity times 6current ratio 5.15
Current ratio from 0.86 to 5.15; short-term debt falls from €12k to €9k.
18-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
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
4 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, Kontich · 1 establishment unit since 2018
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 Steenweg 1472550 KontichGround area
256 m²
Parcel 11048C0007/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
ICA
since 20182.276.155.676
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11048C0007/00G000indicative | Flanders | 256 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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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HOME EXPERT IMMO
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ACOUSTICS & NOISEREDUCTION
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,241. 1,003 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2018
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43910Bricklaying and masonry work
43240Other construction installation
43299Specialised construction activities
43350Other building finishing work
43990Other specialised construction activities
43992Specialised construction activities
43999Specialised construction activities
81220Other building cleaning and industrial cleaning
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.