IFI & R
ActiveIFI & R is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €151k and a net result of €16k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 59% of 3326 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
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 02-07-2025, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
26 d late
2022
14 d late
2021
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€151k▲ 11.9%
2023 · €135k
2021: €125k
2022: €135k
2023: €135k
2021 → 2024
Net result
€16k▲ 19,852%
2023 · €80
2021: €120k
2022: €11k
2023: €80
2021 → 2024
Total assets
€255k▼ 3.0%
2023 · €263k
2021: €198k
2022: €215k
2023: €263k
2021 → 2024
Solvency
59.3%▲ 7.9pp
2023 · 51.4%
2021: 62.9%
2022: 63.0%
2023: 51.4%
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Turnover€206k-€104k▼ 49.6%€104k▲ 0.5%€115k▲ 9.8%
Equity€125k-€135k▲ 8.5%€135k▲ 0.1%€151k▲ 11.9%
Operating result€177k-€17k▼ 90.5%€8k▼ 54.9%€31k▲ 304%
Net result€120k-€11k▼ 91.1%€80▼ 99.2%€16k▲ 19,852%
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 2024; 2024 is 304% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €255k
Fixed assets
€130k▼ 5.8%
Current assets
€125k▲ 0.1%
Equity and liabilities €255k
Equity
€151k▲ 11.9%
Debt
€104k▼ 18.7%
The debt ratio falls from 48.6% to 40.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
59.3%▲
2023 · 51.4%
ROE
10.6%▲
2023 · 0.1%
ROA
6.3%▲
2023 · 0.0%
Debt
€104k▼
2023 · €128k
Debt ≤ 1 year
€75k▼
2023 · €91k
Debt > 1 year
€24k▼
2023 · €31k
Income taxes
€8k▲
2023 · €1k
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€263k€255k▼
Fixed assets21/28€138k€130k▼
Tangible fixed assets22/27€38k€30k▼
Leasing and similar rights25€38k€30k▼
Financial fixed assets28€100k€100k=
Current assets29/58€125k€125k▲
Amounts receivable within one year40/41€70k€62k▼
Trade receivables40€20k€12k▼
Other amounts receivable41€50k€50k=
Cash at bank and in hand54/58€54k€62k▲
Deferred charges and accrued income490/1€702€702=
Equity and liabilities
Total equity and liabilities10/49€263k€255k▼
Equity10/15€135k€151k▲
Contributions10/11€5k€5k=
Reserves13€129k€144k▲
Distributable reserves133€129k€144k▲
Profit (loss) carried forward14€1k€2k▲
Amounts payable17/49€128k€104k▼
Amounts payable after more than one year17€31k€24k▼
Financial debts170/4€31k€24k▼
Amounts payable within one year42/48€91k€75k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€15k€873▼
Suppliers440/4€15k€873▼
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Other amounts payable47/48€59k€59k=
Accrued charges and deferred income492/3€6k€5k▼
Income statement
Code20232024
Turnover70€104k€115k▲
Goods, raw materials, services and sundry goods60/61€114k€89k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€8k▲
Other operating charges640/8€1k€804▼
Gross operating margin9900€11k€39k▲
Operating profit (loss)9901€8k€31k▲
Financial income75/76B-€14
Recurring financial income75-€14
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€1k€24k▲
Income taxes67/77€1k€8k▲
Profit (loss) for the period9904€80€16k▲
Profit (loss) for the period to be appropriated9905€80€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€17k▲
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer to equity691/2-€15k
To other reserves6921-€15k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €151k ▲11.9%
4 profitable years in a row build equity to €151k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €80 ▼99.2%
Net result drops to €80, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Binche · 1 establishment unit since 2020
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.
Chaussée d'Estinnes(WAU) 597131 BincheGround area
649 m²
Building footprint
90 m²
Volume, LiDAR
566 m³
Parcel 56084B0078/00A003, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IFI & R
since 20202.311.178.913
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56084B0078/00A003 | Wallonia | 648 m² | 1 · 90 m² | 7.5 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 587 companies in sector 66300 we hold annual accounts for 360. 248 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2020
Fiscal year end31-12
Activities, NACEBEL
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.