Active BE 0462.166.297Private limited company

IJSMAN

Stenehei 30 ·2480 Dessel, Belgium· 28 yrs active

Sector: Detailhandel in groenten en fruit (47210)

Conclusion Checked

The computed 12-month bankruptcy probability of IJSMAN is 0.6% (low). The 2025 annual accounts show negative equity (€-192k) and a net result of €91k. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 14% of 1429 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Key figures

Equity	€-192k
Net result	€91k
Staff (FTE)	2
Better than sector	14%

Financial profile 5 of 5 axes measured · computed by Checked

45 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 16

Profitability 0

Solvency 33

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.6% Low

0%0,5%1,5%4%10%≥25%

Long track record −Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1997, 28 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2025 · computed

16 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 28-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~4.1%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-29.8%	23.6%	better than 14% of 1429 sector peers
Net result	€91k	€7k	better than 94% of 1426 sector peers
Equity	€-192k	€25k	better than 5% of 1431 sector peers
Gross operating margin	€274k	€34k	better than 95% of 1423 sector peers
Staff costs	€120k	€42k	higher than 85% of 604 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€143k

+55.1% 18-25

Net profit

€91k

+180.6% 18-25

Cash flow

€137k

+67.6% 18-25

Total assets

€645k

+448.6% 18-25

Equity

€-192k

+32.1% 18-25

Working capital

€-444k

-108.4% 18-25

Employees (FTE)

2

-4.8% 18-25

Staff costs

€120k

+11.4% 18-25

Show 11 other metrics

Income taxes

€404

+821.0% 18-25

Debt

€837k

+108.8% 18-25

Debt ≤ 1y

€537k

+78.5% 18-25

Debt > 1y

€300k

+200.0% 18-25

Current ratio

0.17

-40.7% 18-25

Quick ratio

0.15

-43.2% 18-25

Solvency

-29.8%

+87.6% 18-25

Debt / equity

-4.35

-207.7% 18-25

ROE

-47.3%

-313.5% 18-25

ROA

14.1%

-48.8% 18-25

Interest coverage

25.79

+192.2% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€143k
Net profit	€91k
Cash flow	€137k
Staff costs	€120k
Income taxes	€404
Dividends	-
Total assets	€645k
Equity	€-192k
Debt	€837k
of which ≤ 1y	€537k
of which > 1y	€300k
Working capital	€-444k
Employees (FTE)	2.0

Ratios (computed)

	2025
Current ratio	0.17
Quick ratio	0.15
Working capital ratio	-68.9%
Solvency	-29.8%
Debt / equity	-4.35
Long-term debt ratio	-1.56
Interest coverage	25.79
Gross margin	-
Net margin	-
ROA	14.1%
ROE	-47.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €552k · 85.6% Current assets €93k · 14.4%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€645k
Fixed assets	21/28	€552k
Tangible fixed assets	22/27	€551k
Financial fixed assets	28	€550
Current assets	29/58	€93k
Stocks & contracts in progress	3	€13k
Amounts receivable within one year	40/41	€18k
Cash & bank	54/58	€61k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€645k
Equity	10/15	€-192k
Contributions / capital	10/11	€74k
Reserves	13	€15k
Accumulated profits (losses)	14	€-281k
Amounts payable	17/49	€837k
Amounts payable after one year	17	€300k
Amounts payable within one year	42/48	€537k
Trade debts payable within one year	44	€8k
Income statement
Gross operating margin	9900	€274k
Operating result	9901	€97k
Financial income	75	€12
Financial charges	65	€6k
Result before taxes	9903	€91k
Income taxes	67/77	€404
Net result for the period	9904	€91k
Result to be appropriated	9905	€91k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

LEMMENS Bart Jozef Maria
Director
State Gazette act 23442744 (01-12-2023)

Current
01-12-2023 → present
2 events
- 01-12-2023 Resigned· Director
- 01-12-2023 Appointed· Director

Former directors (1)

VAN BAELEN Katleen Jan Josepha
Director
State Gazette act 23442744 (01-12-2023)

Former
- → 01-12-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Detailhandel in groenten en fruit(47210)
Legal form	Private limited company(610)
Incorporation	29-12-1997
Status	Active
Postal code	2480

Establishment units 1 location

IJSMAN BVBA

Stenehei 30, 2480 DesselVervaardiging van consumptie-ijs

since 19992.084.806.647

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13006F0065/00L003	Flanders	1.6 ha	1 · 264 m²	14.4 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

28-05-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

03-06-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

20-06-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

01-12-2023

State Gazette act Director changes

Tuur KENNIS

15-06-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

31-05-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

04-06-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

02-06-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

04-06-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

01-06-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

01-06-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

01-12-2023 1 director appointed, 2 resigning Director changes·Tuur KENNIS

LEMMENS Bart Jozef Maria, Bestuurder
LEMMENS Bart Jozef Maria, Bestuurder
VAN BAELEN Katleen Jan Josepha, Bestuurder

Notary: Tuur KENNIS · Oud-Turnhout

Original publication ↗

Technical details

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  "notary": {
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    "is_associated": false
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  "act_meta": {
    "language": "nl",
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  "decisions": [
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    }
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  "co_filed_documents": [
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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Vervaardiging van consumptie-ijs10520Vervaardiging van roomijs en ander consumptie-ijs10520Vervaardiging van consumptie-ijs15520Detailhandel in groenten en fruit47210Markt- en straathandel in voedings- en genotmiddelen47810Markt- en straathandel in voedingsmiddelen52621

Primary activity highlighted.

Names & trade names

Legal nameNL

IJSMAN

Registered office

Stenehei 30 bus 1

2480 Dessel, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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