IF-IT.be
ActiveIF-IT.be has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €462k and a net result of €-20k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy▼ -24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-8
Solvency99=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 6.55 against 6.78 in 2024), and 36.1% 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
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
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
63.9%
Return on assets
-2.8%
Age of the figures
17 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 17-11-2025, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
on the day
2023
on the day
2022
15 d late
2021
2 d early
2020
27 d late
2019
5 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€462k▼ 4.2%
2024 · €483k
2019: €124k
2020: €147k
2021: €246k
2022: €472k
2023: €475k
2024: €483k
2019 → 2025
Total assets
€723k▼ 5.6%
2024 · €766k
2019: €647k
2020: €607k
2021: €675k
2022: €863k
2023: €797k
2024: €766k
2019 → 2025
Net result
€-20k
2024 · €8k
2019: €-2k
2020: €25k
2021: €99k
2022: €225k
2023: €3k
2024: €8k
2019 → 2025
Working capital
€302k▼ 3.0%
2024 · €311k
2019: €-315k
2020: €-5k
2021: €99k
2022: €326k
2023: €295k
2024: €311k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€246k-€472k▲ 91.5%€475k▲ 0.7%€483k▲ 1.6%€462k▼ 4.2%
Operating result€147k-€-27k€6k€8k▲ 26.9%€-27k
Net result€99k-€225k▲ 127%€3k▼ 98.6%€8k▲ 148%€-20k
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 2025: a loss of €27k after €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €723k
Fixed assets
€367k▼ 8.5%
Current assets
€356k▼ 2.4%
Equity and liabilities €723k
Equity
€462k▼ 4.2%
Debt
€261k▼ 8.0%
The debt ratio falls from 37.0% to 36.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€32k▼
2024 · €63k
Cash flow
€38k▼
2024 · €63k
Solvency
63.9%▲
2024 · 63.0%
Current ratio
6.55▼
2024 · 6.78
Quick ratio
6.55▼
2024 · 6.78
Debt / equity
0.56▼
2024 · 0.59
ROE
-4.4%▼
2024 · 1.6%
ROA
-2.8%▼
2024 · 1.0%
Interest coverage
5.41▼
2024 · 9.58
Debt
€261k▼
2024 · €284k
Debt ≤ 1 year
€54k▲
2024 · €54k
Debt > 1 year
€206k▼
2024 · €230k
Income taxes
€0▼
2024 · €2k
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€766k€723k▼
Fixed assets21/28€402k€367k▼
Tangible fixed assets22/27€402k€366k▼
Land and buildings22€377k€352k▼
Plant, machinery and equipment23€16k€10k▼
Furniture and vehicles24€8k€5k▼
Financial fixed assets28-€1k
Current assets29/58€365k€356k▼
Amounts receivable after more than one year29€180k€180k=
Other amounts receivable291€180k€180k=
Amounts receivable within one year40/41€146k€161k▲
Trade receivables40€27k€19k▼
Other amounts receivable41€119k€142k▲
Cash at bank and in hand54/58€34k€7k▼
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€766k€723k▼
Equity10/15€483k€462k▼
Contributions10/11€14k€14k=
Reserves13€432k€432k=
Distributable reserves133€432k€432k=
Profit (loss) carried forward14€37k€17k▼
Amounts payable17/49€284k€261k▼
Amounts payable after more than one year17€230k€206k▼
Financial debts170/4€230k€206k▼
Amounts payable within one year42/48€54k€54k▲
Current portion of amounts payable after more than one year42€27k€25k▼
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€21k€21k▲
Suppliers440/4€21k€21k▲
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Accrued charges and deferred income492/3-€367
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€59k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€66k€35k▼
Operating profit (loss)9901€8k€-27k▼
Financial income75/76B€8k€13k▲
Recurring financial income75€8k€13k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€9k€-20k▼
Income taxes67/77€2k€0▼
Profit (loss) for the period9904€8k€-20k▼
Profit (loss) for the period to be appropriated9905€8k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€17k▼
Profit (loss) brought forward from the previous period14P€37k€37k=
Transfer to equity691/2€8k€0▼
To other reserves6921€8k€0▼
The notes to these accounts (12 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
17-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
31-03
Financial
Weakest financial yearnet €-20k ▼365%
Net result drops to €-20k, the lowest in the series.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
31-03
Financial
Highest result since 2019net €225k ▲127%
Net result €225k, the highest in the series.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 2.37
Current ratio from 0.93 to 2.37; short-term debt falls from €73k to €72k.
31-03
Financial
Equity above €200kEq €246k ▲67.4%
2 profitable years in a row build equity to €246k.
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
31-03
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
2019
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Kluisbergen · 1 establishment unit since 2007
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.
Kraaistraat 69690 KluisbergenGround area
2,639 m²
Building footprint
201 m²
Volume, LiDAR
917 m³
Parcel 45018B0243/00F000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IF-IT.be
since 20072.159.699.852
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45018B0243/00F000 | Flanders | 2,639 m² | 1 · 201 m² | 7.2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 165 EUR awarded · 165 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 165 EUR | 165 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
NANO
BE 0810.840.717
Londerzeel · Eq €462k
BRAINSTORM CONSULTING
BE 0561.808.954
Ottignies-Louvain-la-Neuve · Eq €462k
Ludwig Rent
BE 0897.627.508
Gent · Eq €463k
Leneso
BE 0888.771.705
Lummen · Eq €463k
Coppens Business Solutions
BE 0565.964.217
Roosdaal · Eq €462k
Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 12,240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2007
Fiscal year end31-03
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
47400Retail sale of information and communication equipment
47410Retail trade
52487
62010Computer programming, consultancy and related activities
62100Computer programming
72220
73110Advertising agencies
74401
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.