Ignace Van Overbeke is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €19k and a net result of €112k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 14% of 8024 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 8024 sector peers (2025).
NBB · sector comparisonPosition among 8024 sector peers
Solvency
better than 14%
← 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 27-02-2026, 154 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
154 d early
2024
122 d early
2023
14 d early
2022
22 d late
2021
9 d early
2020
32 d early
2019
25 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
Equity
€19k=
2024 · €19k
2018: €21k
2019: €20k
2020: €20k
2021: €21k
2022: €116k
2023: €116k
2024: €19k
2018 → 2025
Net result
€112k▲ 14.3%
2024 · €98k
2018: €63k
2019: €82k
2020: €87k
2021: €117k
2022: €95k
2023: €80k
2024: €98k
2018 → 2025
Total assets
€246k▲ 5.9%
2024 · €232k
2018: €103k
2019: €119k
2020: €220k
2021: €343k
2022: €327k
2023: €238k
2024: €232k
2018 → 2025
Solvency
7.6%▼ 0.4pp
2024 · 8.0%
2018: 19.9%
2019: 17.3%
2020: 9.3%
2021: 6.1%
2022: 35.4%
2023: 48.6%
2024: 8.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€116k▲ 450%€116k=€19k▼ 83.9%€19k=
Operating result€152k-€133k▼ 12.0%€109k▼ 18.7%€129k▲ 18.6%€157k▲ 21.6%
Net result€117k-€95k▼ 18.7%€80k▼ 15.3%€98k▲ 22.3%€112k▲ 14.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €246k
Fixed assets
€67k▼ 3.4%
Current assets
€179k▲ 9.8%
Equity and liabilities €246k
Equity
€19k=
Debt
€227k▲ 6.4%
The debt ratio rises from 92.0% to 92.4%. Debt is higher.
Key figures and ratios
Solvency
7.6%▼
2024 · 8.0%
ROE
602.9%▲
2024 · 527.6%
ROA
45.6%▲
2024 · 42.3%
Debt
€227k▲
2024 · €214k
Debt ≤ 1 year
€219k▲
2024 · €213k
Income taxes
€36k▲
2024 · €30k
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€232k€246k▲
Fixed assets21/28€69k€67k▼
Tangible fixed assets22/27€69k€67k▼
Furniture and vehicles24€9k€7k▼
Other tangible fixed assets26€60k€60k=
Current assets29/58€163k€179k▲
Amounts receivable within one year40/41€14k€240▼
Trade receivables40€0€240▲
Other amounts receivable41€14k€0▼
Cash at bank and in hand54/58€146k€173k▲
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€232k€246k▲
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€0€0=
Amounts payable17/49€214k€227k▲
Amounts payable within one year42/48€213k€219k▲
Current portion of amounts payable after more than one year42-€12k
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Other amounts payable47/48€207k€199k▼
Accrued charges and deferred income492/3€771€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€938€593▼
Gross operating margin9900€135k€162k▲
Operating profit (loss)9901€129k€157k▲
Financial income75/76B€1k€824▼
Recurring financial income75€1k€824▼
Financial charges65/66B€2k€9k▲
Recurring financial charges65€2k€9k▲
Profit (loss) for the period before taxes9903€128k€148k▲
Income taxes67/77€30k€36k▲
Profit (loss) for the period9904€98k€112k▲
Profit (loss) for the period to be appropriated9905€98k€112k▲
Appropriation of the result
Profit (loss) to be appropriated9906€193k€112k▼
Profit (loss) brought forward from the previous period14P€95k€0▼
Transfer from equity791/2€2k€0▼
Profit to be distributed694/7€195k€112k▼
Return on contributions (dividend)694€195k€112k▼
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
Next filing, fiscal year 2026, expected by
2026
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Equity above €100kEq €116k ▲450%
5 profitable years in a row build equity to €116k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €117k ▲34.3%
Net result €117k, the highest in the series.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Knokke-Heist · 1 establishment unit since 2014
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.
Ferdinand Mosselmanstraat 78300 Knokke-HeistGround area
534 m²
Building footprint
391 m²
Volume, LiDAR
5,773 m³
Parcel 31334B0373/00D000, Flanders · tallest building 17.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
IVO
since 20142.227.229.767
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0373/00D000 | Flanders | 534 m² | 1 · 391 m² | 17.2 m · 5 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 24,728 companies in sector 64210 we hold annual accounts for 19,764. 7,172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2013
Fiscal year end31-12
Abbreviation NL
IVO
Trade name NL
IVO
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:ivo@km.be
Phone:0475/482720