IJZERHANDEL P. MATHIJS
ActiveSummary
IJZERHANDEL P. MATHIJS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €337k and a net result of €17k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 64% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+42
Solvency85▼-2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.36 in 2024; short-term debt: 36.8% and cash: 6% of total assets), and 40.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
59.9%
Return on assets
3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 10 filingsDeviation from the deadline
2025
4 d late
2024
27 d late
2023
84 d late
2022
31 d late
2021
243 d late
2020
31 d late
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€337k▲ 5.2%
2024 · €320k
2018: €302k
2019: €298k
2020: €304k
2021: €323k
2022: €328k
2023: €328k
2024: €320k
2018 → 2025
Total assets
€562k▲ 9.0%
2024 · €515k
2018: €429k
2019: €419k
2020: €482k
2021: €520k
2022: €495k
2023: €511k
2024: €515k
2018 → 2025
Net result
€17k
2024 · €-9k
2018: €-2k
2019: €-3k
2020: €6k
2021: €19k
2022: €5k
2023: €627
2024: €-9k
2018 → 2025
Working capital
€86k▲ 37.4%
2024 · €62k
2018: €64k
2019: €64k
2020: €71k
2021: €92k
2022: €77k
2023: €72k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€323k-€328k▲ 1.6%€328k▲ 0.2%€320k▼ 2.6%€337k▲ 5.2%
Operating result€24k-€9k▼ 59.9%€5k▼ 45.8%€-3k€24k
Net result€19k-€5k▼ 72.8%€627▼ 87.7%€-9k€17k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €24k after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €562k
Fixed assets
€269k ▼ 4.1%
Current assets
€292k ▲ 24.6%
Equity and liabilities €562k
Equity
€337k ▲ 5.2%
Debt
€225k ▲ 15.1%
Debt's share of the balance-sheet total rises from 37.9% to 40.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€35k▲
2024 · €10k
Cash flow
€28k▲
2024 · €4k
Current ratio
1.41▲
2024 · 1.36
Quick ratio
0.52▼
2024 · 0.56
Debt to equity
0.67▲
2024 · 0.61
ROE
5.0%▲
2024 · -2.7%
ROA
3.0%▲
2024 · -1.7%
Interest coverage
8.72▲
2024 · 1.56
Debt ≤ 1 year
€207k▲
2024 · €172k
Debt > 1 year
€18k▼
2024 · €23k
Income taxes
€3k
Staff costs
€209▼
2024 · €489
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€515k€562k▲
Formation expenses20€0€0=
Fixed assets21/28€281k€269k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€281k€269k▼
Land and buildings22€239k€233k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€33k€32k▼
Other tangible fixed assets26€2k€0▼
Current assets29/58€235k€292k▲
Stocks and contracts in progress3€139k€185k▲
Stocks30/36€139k€185k▲
Amounts receivable within one year40/41€68k€72k▲
Trade receivables40€60k€59k▼
Other amounts receivable41€8k€13k▲
Cash at bank and in hand54/58€28k€34k▲
Deferred charges and accrued income490/1€588€1k▲
Equity and liabilities
Total equity and liabilities10/49€515k€562k▲
Equity10/15€320k€337k▲
Contributions10/11€20k€20k=
Revaluation surpluses12€199k€199k=
Reserves13€79k€79k=
Distributable reserves133€79k€79k=
Profit (loss) carried forward14€22k€39k▲
Amounts payable17/49€196k€225k▲
Amounts payable after more than one year17€23k€18k▼
Financial debts170/4€23k€18k▼
Amounts payable within one year42/48€172k€207k▲
Current portion of amounts payable after more than one year42€12k€5k▼
Financial debts43€40k€40k=
Credit institutions430/8€40k€40k=
Trade debts44€116k€157k▲
Suppliers440/4€116k€157k▲
Advances received on contracts in progress46€2k€146▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€1k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€489€209▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€13k€38k▲
Operating profit (loss)9901€-3k€24k▲
Financial income75/76B€312€19▼
Recurring financial income75€312€19▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€-9k€20k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-9k€17k▲
Profit (loss) for the period to be appropriated9905€-9k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€39k▲
Profit (loss) brought forward from the previous period14P€30k€22k▼
The notes to these accounts (8 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼1465%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 243 days late
2021
31-12
Financial
Highest result since 2018net €19k ▲226%
Net result €19k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Truiden · 1 establishment unit since 1990
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.
Nerumstraat 53800 Sint-TruidenGround area
153 m²
Building footprint
153 m²
Volume, LiDAR
655 m³
Parcel 71009D0278/00N000, Flanders · tallest building 14.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IJZERHANDEL P. MATHIJS BVBA
since 19902.049.017.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009D0278/00N000 | Flanders | 153 m² | 1 · 153 m² | 14.4 m · 1 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.
Similar companies · same sector, comparable size
KSP
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BOULONS MAYER
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ROTHO BLAAS BELGIUM
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Of 505 companies in sector 46841 we hold annual accounts for 365. 273 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-1990
Fiscal year end31-12
Activities, NACEBEL 2025
46841Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.