Ijsmanneke
ActiveThe computed 12-month bankruptcy probability of Ijsmanneke is 1.6% (moderate). The 2025 annual accounts show equity of €261k and a net result of €92k. Equity is growing by ~40.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 18237 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 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=
Solvency100▲+4
Growth52=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 4.32 against 2.78 in 2024; short-term debt: 20.2% and cash: 71.1% of total assets), and 20.8% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
79.2%
Return on assets
27.9%
Age of the figures
9 mo
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 23-03-2026, 130 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
130 d early
2024
6 d early
2023
5 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€261k▲ 37.9%
2024 · €190k
2023: €109k
2024: €190k
2023 → 2025
Total assets
€330k▲ 24.4%
2024 · €265k
2023: €198k
2024: €265k
2023 → 2025
Net result
€92k▲ 13.5%
2024 · €81k
2023: €100k
2024: €81k
2023 → 2025
Working capital
€221k▲ 74.2%
2024 · €127k
2023: €32k
2024: €127k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€109k-€190k▲ 73.7%€261k▲ 37.9%
Operating result€130k-€106k▼ 18.8%€121k▲ 13.8%
Net result€100k-€81k▼ 18.7%€92k▲ 13.5%
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 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €330k
Fixed assets
€42k▼ 36.9%
Current assets
€288k▲ 45.1%
Equity and liabilities €330k
Equity
€261k▲ 37.9%
Debt
€69k▼ 9.3%
The debt ratio falls from 28.5% to 20.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€145k▲
2024 · €131k
Cash flow
€117k▲
2024 · €106k
Solvency
79.2%▲
2024 · 71.5%
Current ratio
4.32▲
2024 · 2.78
Quick ratio
4.32▲
2024 · 2.78
Debt / equity
0.26▼
2024 · 0.40
ROE
35.3%▼
2024 · 42.9%
ROA
27.9%▼
2024 · 30.6%
Interest coverage
31.77▼
2024 · 34.92
Debt
€69k▼
2024 · €76k
Debt ≤ 1 year
€67k▼
2024 · €71k
Debt > 1 year
€0▼
2024 · €2k
Income taxes
€25k▲
2024 · €21k
Staff costs
€43k▲
2024 · €41k
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€265k€330k▲
Fixed assets21/28€67k€42k▼
Tangible fixed assets22/27€67k€42k▼
Plant, machinery and equipment23€16k€12k▼
Furniture and vehicles24€51k€30k▼
Financial fixed assets28€0-
Current assets29/58€198k€288k▲
Amounts receivable within one year40/41€2k€2k▼
Trade receivables40€2k€1k▼
Other amounts receivable41€0€628▲
Current investments50/53-€50k
Cash at bank and in hand54/58€196k€235k▲
Deferred charges and accrued income490/1€302€1k▲
Equity and liabilities
Total equity and liabilities10/49€265k€330k▲
Equity10/15€190k€261k▲
Contributions10/11€10k€10k=
Reserves13€180k€180k=
Distributable reserves133€180k€180k=
Profit (loss) carried forward14€0€72k▲
Amounts payable17/49€76k€69k▼
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€71k€67k▼
Current portion of amounts payable after more than one year42€12k€2k▼
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€24k€7k▼
Taxes450/3€22k€5k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€29k€53k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€41k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€173k€190k▲
Operating profit (loss)9901€106k€121k▲
Financial income75/76B€237€925▲
Recurring financial income75€237€925▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€102k€117k▲
Income taxes67/77€21k€25k▲
Profit (loss) for the period9904€81k€92k▲
Profit (loss) for the period to be appropriated9905€81k€92k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€92k▲
Transfer to equity691/2€80k€0▼
To other reserves6921€80k€0▼
Profit to be distributed694/7€859€20k▲
Return on contributions (dividend)694€859€20k▲
The notes to these accounts (13 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €261k ▲37.9%
3 profitable years in a row build equity to €261k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €81k ▼18.7%
Net result drops to €81k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €190k ▲73.7%
2 profitable years in a row build equity to €190k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Geel · 1 establishment unit since 2023
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.
Pierenstraat 22440 GeelGround area
1,175 m²
Building footprint
153 m²
Volume, LiDAR
1,148 m³
Parcel 13372B0686/00E000, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ijsmanneke
since 20232.340.323.651
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13372B0686/00E000 | Flanders | 1,175 m² | 1 · 152 m² | 10.4 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGeel2.340.323.651
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Of 3,827 companies in sector 47210 we hold annual accounts for 966. 674 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2023
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47810Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
10520Manufacture of food products
46170Agents in the wholesale of food, beverages and tobacco
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.