IHO Solutions
ActiveThe computed 12-month bankruptcy probability of IHO Solutions is 1.8% (moderate). The 2025 annual accounts show equity of €179k and a net result of €14k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 946 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 62.87 against 7.21 in 2024; short-term debt: 1.6% and cash: 94.5% of total assets), and 1.6% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← fewer bankruptcies
more bankruptcies →
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
98.4%
Return on assets
7.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 4 filingsDeviation from the deadline
2025
30 d late
2024
29 d late
2023
30 d late
2022
30 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€179k▲ 8.7%
2024 · €165k
2022: €71k
2023: €101k
2024: €165k
2022 → 2025
Total assets
€182k▼ 4.9%
2024 · €191k
2022: €116k
2023: €123k
2024: €191k
2022 → 2025
Net result
€14k▼ 77.7%
2024 · €64k
2022: €68k
2023: €29k
2024: €64k
2022 → 2025
Working capital
€179k▲ 8.9%
2024 · €164k
2022: €52k
2023: €92k
2024: €164k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€71k-€101k▲ 41.2%€165k▲ 63.4%€179k▲ 8.7%
Operating result€95k-€46k▼ 51.9%€86k▲ 87.3%€20k▼ 76.4%
Net result€68k-€29k▼ 56.6%€64k▲ 117%€14k▼ 77.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182k
Fixed assets
€337▼ 47.5%
Current assets
€181k▼ 4.7%
Equity and liabilities €182k
Equity
€179k▲ 8.7%
Debt
€3k▼ 89.1%
The debt ratio falls from 13.8% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €95k
Cash flow
€15k▼
2024 · €72k
Solvency
98.4%▲
2024 · 86.2%
Current ratio
62.87▲
2024 · 7.21
Quick ratio
62.87▲
2024 · 7.21
Debt / equity
0.02▼
2024 · 0.16
ROE
8.0%▼
2024 · 38.8%
ROA
7.8%▼
2024 · 33.4%
Interest coverage
227.72▼
2024 · 1070.34
Debt
€3k▼
2024 · €26k
Debt ≤ 1 year
€3k▼
2024 · €26k
Income taxes
€7k▼
2024 · €22k
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€191k€182k▼
Fixed assets21/28€641€337▼
Tangible fixed assets22/27€341€37▼
Furniture and vehicles24€341€37▼
Financial fixed assets28€300€300=
Current assets29/58€190k€181k▼
Amounts receivable within one year40/41€9k€9k▼
Trade receivables40€5k€0▼
Other amounts receivable41€4k€9k▲
Current investments50/53€50k-
Cash at bank and in hand54/58€131k€172k▲
Deferred charges and accrued income490/1€850€1k▲
Equity and liabilities
Total equity and liabilities10/49€191k€182k▼
Equity10/15€165k€179k▲
Contributions10/11€4k€4k=
Reserves13€161k€175k▲
Distributable reserves133€161k€175k▲
Amounts payable17/49€26k€3k▼
Amounts payable within one year42/48€26k€3k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€25k€503▼
Taxes450/3€25k€503▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€305▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€96k€22k▼
Operating profit (loss)9901€86k€20k▼
Financial income75/76B€1€1k▲
Recurring financial income75€1€1k▲
Financial charges65/66B€89€91▲
Recurring financial charges65€89€91▲
Profit (loss) for the period before taxes9903€86k€21k▼
Income taxes67/77€22k€7k▼
Profit (loss) for the period9904€64k€14k▼
Profit (loss) for the period to be appropriated9905€64k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€14k▼
Transfer to equity691/2€64k€14k▼
To other reserves6921€64k€14k▼
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €14k ▼77.7%
Net result drops to €14k, the lowest in the series.
31-12
Financial
Liquidity times 9current ratio 62.87
Current ratio from 7.21 to 62.87; short-term debt falls from €26k to €3k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €165k ▲63.4%
3 profitable years in a row build equity to €165k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 5.06
Current ratio from 2.16 to 5.06; short-term debt falls from €45k to €23k.
31-12
Financial
Equity above €100kEq €101k ▲41.2%
2 profitable years in a row build equity to €101k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Sint-Katelijne-Waver · 1 establishment unit since 2021
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.
Kegelshoeklaan 20 A2861 Sint-Katelijne-WaverGround area
393 m²
Building footprint
97 m²
Volume, LiDAR
539 m³
Parcel 12027C0126/00P000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kegelshoeklaan 20 A, 2861 Sint-Katelijne-Waver
since 20212.320.978.584
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12027C0126/00P000 | Flanders | 393 m² | 1 · 97 m² | 9.3 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 529 companies in sector 52230 we hold annual accounts for 280. 207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2021
Fiscal year end31-12
Activities, NACEBEL
52230Warehousing and support activities for transportation
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
82990Other business support services
85532Education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.