ICCLAD
ActiveSummary
ICCLAD has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €42k. Equity is shrinking by ~28.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+18
Solvency28▲+2
Growth32=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
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Signals
Six 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
3.1%
Return on assets
63.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 17090 sector peers (2025).
NBB · sector comparisonPosition among 17090 sector peers
Solvency
better than 10%
← weakest
strongest →
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 29-04-2026, 93 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
93 d early
2024
43 d early
2023
8 d early
2022
33 d early
2021
31 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€2k=
2024 · €2k
Total assets
€65k▼ 61.8%
2024 · €171k
Net result
€42k▲ 125%
2024 · €18k
Working capital
€-12k
2024 · €2k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€72k-€15k▼ 79.3%€53k▲ 257%€13k▼ 75.7%€41k▲ 213%
Net result€68k-€21k▼ 69.8%€52k▲ 154%€18k▼ 64.7%€42k▲ 125%
Equity€70k-€91k▲ 29.3%€143k▲ 57.7%€2k▼ 98.6%€2k=
Total assets€114k-€116k▲ 1.6%€185k▲ 58.9%€171k▼ 7.4%€65k▼ 61.8%
Debt€44k-€26k▼ 42.2%€42k▲ 63.2%€169k▲ 304%€63k▼ 62.5%
Working capital€68k-€90k▲ 31.2%€143k▲ 58.9%€2k▼ 98.6%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 213% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€14k
Current assets
€52k
Equity and liabilities €65k
Equity
€2k =
Debt
€63k ▼ 62.5%
Debt's share of the balance-sheet total falls from 98.8% to 96.9%. Debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €13k
Cash flow
€44k▲
2024 · €19k
Current ratio
0.82▼
2024 · 1.01
Debt to equity
31.66▼
2024 · 84.48
ROA
63.7%▲
2024 · 10.8%
Interest coverage
604.98▲
2024 · 185.34
Debt ≤ 1 year
€63k▼
2024 · €169k
Income taxes
€13k▲
2024 · €5k
A ratio outside any meaningful range has been withheld (balance sheet total €65k, equity €2k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €826 | €619 | €191 | €3k | ▲ 1,371% |
| Other operating charges640/8 | - | - | €384 | €387 | €3k | ▲ 566% |
| Gross operating margin9900 | €74k | €16k | €54k | €14k | €46k | ▲ 240% |
| Operating profit (loss)9901 | €72k | €15k | €53k | €13k | €41k | ▲ 213% |
| Financial income75/76B | €13k | €11k | €11k | €11k | €14k | ▲ 32.6% |
| Recurring financial income75 | €13k | €11k | €11k | €11k | €14k | ▲ 32.6% |
| Non-recurring financial income76B | €13k | €11k | €11k | €11k | €14k | ▲ 32.6% |
| Financial charges65/66B | €78 | €72 | €91 | €71 | €72 | ▲ 1.1% |
| Recurring financial charges65 | €78 | €72 | €91 | €71 | €72 | ▲ 1.1% |
| Profit (loss) for the period before taxes9903 | €85k | €26k | €64k | €24k | €55k | ▲ 132% |
| Income taxes67/77 | €17k | €5k | €12k | €5k | €13k | ▲ 153% |
| Profit (loss) for the period9904 | €68k | €21k | €52k | €18k | €42k | ▲ 125% |
| Profit (loss) for the period to be appropriated9905 | €68k | €21k | €52k | €18k | €42k | ▲ 125% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €114k | €116k | €185k | €171k | €65k | ▼ 61.8% |
| Fixed assets21/28 | €2k | €810 | €191 | - | €14k | - |
| Tangible fixed assets22/27 | €2k | €810 | €191 | - | €14k | - |
| Furniture and vehicles24 | €2k | €810 | €191 | - | €14k | - |
| Current assets29/58 | €113k | €115k | €185k | €171k | €52k | ▼ 69.8% |
| Amounts receivable within one year40/41 | €11k | €11k | €12k | €2k | €23k | ▲ 879% |
| Trade receivables40 | €11k | €11k | €12k | €2k | €23k | ▲ 879% |
| Other amounts receivable41 | - | €747 | - | - | - | - |
| Cash at bank and in hand54/58 | €100k | €102k | €171k | €166k | €26k | ▼ 84.4% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | €3k | €3k | ▲ 4.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €114k | €116k | €185k | €171k | €65k | ▼ 61.8% |
| Equity10/15 | €70k | €91k | €143k | €2k | €2k | = |
| Contributions10/11 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €68k | €89k | €141k | - | - | - |
| Amounts payable17/49 | €44k | €26k | €42k | €169k | €63k | ▼ 62.5% |
| Amounts payable within one year42/48 | €44k | €26k | €42k | €169k | €63k | ▼ 62.5% |
| Trade debts44 | €282 | €129 | €55 | €2k | €3k | ▲ 85.5% |
| Suppliers440/4 | €282 | €129 | €55 | €2k | €3k | ▲ 85.5% |
| Taxes, remuneration and social security45 | €22k | €26k | €38k | €7k | €13k | ▲ 90.5% |
| Taxes450/3 | €22k | €26k | €35k | €7k | €13k | ▲ 90.5% |
| Remuneration and social security454/9 | - | - | €3k | - | - | - |
| Other amounts payable47/48 | €22k | - | €4k | €160k | €47k | ▼ 70.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €68k | €21k | €52k | €18k | €42k | ▲ 125% |
| + Depreciation and write-downs630 | €2k | €826 | €619 | €191 | €3k | ▲ 1,371% |
| Operating cash flow (approximation) | €70k | €21k | €53k | €19k | €44k | ▲ 138% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €2k | €69k | €-5k | €-140k | ▼ 2,481% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €18k ▼64.7%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €143k ▲57.7%
3 profitable years in a row build equity to €143k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Bertrix · 1 establishment unit since 2020
Ground area
530 m²
Building footprint
108 m²
Volume, LiDAR
1,083 m³
Parcel 84009C0269/00D002, Wallonia · tallest building 11.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ICCLAD
since 20202.310.738.255
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84009C0269/00D002 | Wallonia | 530 m² | 1 · 108 m² | 11.8 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450090CO9FDA76AF56
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Of 16,901 companies in sector 62100 we hold annual accounts for 8,772. 1,604 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
Founded23-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
73110Advertising agencies
82990Other business support services
Contact
E-mail
richard.comblen@icclad.be
Phone
+32498535702
Scores and ratios are computed by Checked and are not a credit decision.