Ihlumelo

Active

Private limited companyfounded 20205 yrs activeMercuriuslaan 6, 3270 Scherpenheuvel-Zichem, BelgiumKBO/BCE: BE 0759.734.682

The computed 12-month bankruptcy probability of Ihlumelo is 2.1% (moderate). The 2025 annual accounts show equity of €51k and a net result of €45k. Equity is growing by ~34% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

79 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+7

Solvency100=

Growth32▼-20

Track record94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 12.35 against 62.54 in 2024; short-term debt: 7.4% and cash: 24.7% of total assets), and 7.4% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

92.6%

Return on assets

82.9%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

1 d early

2024

4 d late

2023

7 d early

2022

49 d early

2021

24 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€51k▼ 65.2%

2024 · €145k

2021: €54k 2022: €80k 2023: €117k 2024: €145k

2021 → 2025

Total assets

€55k▼ 63.4%

2024 · €149k

2021: €66k 2022: €85k 2023: €120k 2024: €149k

2021 → 2025

Net result

€45k▲ 59.4%

2024 · €28k

2021: €49k 2022: €26k 2023: €37k 2024: €28k

2021 → 2025

Working capital

€46k▼ 67.1%

2024 · €139k

2021: €49k 2022: €71k 2023: €107k 2024: €139k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€54k-€80k▲ 48.6%€117k▲ 45.5%€145k▲ 24.3%€51k▼ 65.2%

Operating result€61k-€34k▼ 45.0%€47k▲ 39.9%€35k▼ 25.5%€56k▲ 59.6%

Net result€49k-€26k▼ 46.4%€37k▲ 39.1%€28k▼ 22.4%€45k▲ 59.4%

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 60% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €55k

90.9%

Fixed assets €5k▼ 41.0%

Current assets €50k▼ 64.8%

Equity and liabilities €55k

92.6%

Equity €51k▼ 65.2%

Debt €4k▲ 0.1%

The debt ratio rises from 2.7% to 7.4%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€60k▲

2024 · €39k

Cash flow

€49k▲

2024 · €32k

Solvency

92.6%▼

2024 · 97.3%

Current ratio

12.35▼

2024 · 62.54

Quick ratio

12.35▼

2024 · 62.54

Debt / equity

0.08▲

2024 · 0.03

ROE

89.5%▲

2024 · 19.5%

ROA

82.9%▲

2024 · 19.0%

Interest coverage

497.68▼

2024 · 528.77

Debt

€4k▲

2024 · €4k

Debt ≤ 1 year

€4k▲

2024 · €2k

Income taxes

€12k▲

2024 · €7k

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€149k€55k▼

Fixed assets21/28€8k€5k▼

Tangible fixed assets22/27€8k€5k▼

Plant, machinery and equipment23€3k€3k▲

Furniture and vehicles24€6k€2k▼

Current assets29/58€141k€50k▼

Amounts receivable within one year40/41€6k€6k▼

Other amounts receivable41€6k€6k▼

Current investments50/53-€30k

Cash at bank and in hand54/58€135k€13k▼

Deferred charges and accrued income490/1-€183

Equity and liabilities

Total equity and liabilities10/49€149k€55k▼

Equity10/15€145k€51k▼

Contributions10/11€5k€5k=

Reserves13€140k€46k▼

Distributable reserves133€140k€46k▼

Profit (loss) carried forward14€28€78▲

Amounts payable17/49€4k€4k▲

Amounts payable within one year42/48€2k€4k▲

Trade debts44-€117

Suppliers440/4-€117

Taxes, remuneration and social security45€2k€4k▲

Taxes450/3€2k€4k▲

Other amounts payable47/48-€216

Accrued charges and deferred income492/3€2k€0▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼

Other operating charges640/8€1k€742▼

Gross operating margin9900€40k€60k▲

Operating profit (loss)9901€35k€56k▲

Financial income75/76B€0€646▲

Recurring financial income75€0€646▲

Financial charges65/66B€74€120▲

Recurring financial charges65€74€120▲

Profit (loss) for the period before taxes9903€35k€57k▲

Income taxes67/77€7k€12k▲

Profit (loss) for the period9904€28k€45k▲

Profit (loss) for the period to be appropriated9905€28k€45k▲

Appropriation of the result

Profit (loss) to be appropriated9906€28k€45k▲

Profit (loss) brought forward from the previous period14P€42€28▼

Transfer from equity791/2-€140k

Transfer to equity691/2€28k€45k▲

To other reserves6921€28k€45k▲

Profit to be distributed694/7-€140k

Return on contributions (dividend)694-€140k

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

04-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 4 days late

2024

24-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Liquidity doublescurrent ratio 36.41

Current ratio from 16.18 to 36.41; short-term debt falls from €5k to €3k.

31-12

Financial Equity above €100kEq €117k ▲45.5%

3 profitable years in a row build equity to €117k.

12-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €26k ▼46.4%

Net result drops to €26k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity triplescurrent ratio 16.18

Current ratio from 5.36 to 16.18; short-term debt falls from €11k to €5k.

24-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 24 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, Scherpenheuvel-Zichem · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Mercuriuslaan 63270 Scherpenheuvel-Zichem

Ground area

858 m²

Building footprint

129 m²

Volume, LiDAR

781 m³

Parcel 24098A0285/00H013, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Mercuriuslaan 6, 3270 Scherpenheuvel-Zichem

Specialist medical practice

since 20202.312.548.294

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24098A0285/00H013	Flanders	858 m²	1 · 129 m²	8.9 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

2024 to 2025 · 2 entries · 553 EUR awarded · 553 EUR paid

Year	Entries	awarded	paid
2025	1	218 EUR	218 EUR
2024	1	335 EUR	335 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 553 EUR · 553 EUR paid · Fonds voor Innoveren en Ondernemen

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded14-12-2020

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 5 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.