IKRA - SU

Active

Private limited companyfounded 20215 yrs activeScheldestraat 99, 9140 Temse, BelgiumKBO/BCE: BE 0772.994.186

The computed 12-month bankruptcy probability of IKRA - SU is 2.1% (moderate). The 2024 annual accounts show equity of €44k and a net result of €18k. Equity is growing by ~121.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 26056 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

68 / 100

Healthy▲ +2 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency28▲+8

Growth78=

Stability94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.2 against 1.05 in 2023), and 81.2% 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

Five signals. The signal on the left, the evidence on the right.

+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

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 →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

18.8%

Return on assets

7.6%

Age of the figures

20 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-10-2025, 88 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 · 3 filings

Deviation from the deadline

2025

not confirmed

2024

88 d late

2023

62 d late

2022

363 d late

← before the deadline after the 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 2024, micro schema

Equity

€44k▲ 68.7%

2023 · €26k

2022: €-63k 2023: €26k

2022 → 2024

Total assets

€233k▲ 1.2%

2023 · €230k

2022: €118k 2023: €230k

2022 → 2024

Net result

€18k▼ 79.9%

2023 · €89k

2022: €-81k 2023: €89k

2022 → 2024

Working capital

€37k▲ 274%

2023 · €10k

2022: €-69k 2023: €10k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€-63k-€26k€44k▲ 68.7%

Operating result€-76k-€93k€23k▼ 74.9%

Net result€-81k-€89k€18k▼ 79.9%

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 2024; 2024 is 75% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €233k

97.1%

Fixed assets €7k▼ 58.0%

Current assets €226k▲ 5.6%

Equity and liabilities €233k

18.8%

81.2%

Equity €44k▲ 68.7%

Debt €189k▼ 7.4%

The debt ratio falls from 88.7% to 81.2%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€33k▼

2023 · €102k

Cash flow

€27k▼

2023 · €98k

Solvency

18.8%▲

2023 · 11.3%

Current ratio

1.20▲

2023 · 1.05

Quick ratio

1.04▲

2023 · 0.46

Debt / equity

4.32▼

2023 · 7.88

ROE

40.7%▼

2023 · 342.1%

ROA

7.6%▼

2023 · 38.5%

Interest coverage

11.65▼

2023 · 66.60

Debt

€189k▼

2023 · €204k

Debt ≤ 1 year

€189k▼

2023 · €204k

Income taxes

€3k▲

2023 · €2k

Staff costs

€271k▲

2023 · €192k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€230k€233k▲

Fixed assets21/28€16k€7k▼

Tangible fixed assets22/27€16k€7k▼

Plant, machinery and equipment23€1k€908▼

Furniture and vehicles24€12k€4k▼

Other tangible fixed assets26€2k€2k▼

Current assets29/58€214k€226k▲

Amounts receivable after more than one year29-€125k

Other amounts receivable291-€125k

Stocks and contracts in progress3€121k€29k▼

Stocks30/36€121k€29k▼

Amounts receivable within one year40/41€32k€39k▲

Other amounts receivable41€32k€39k▲

Cash at bank and in hand54/58€62k€33k▼

Deferred charges and accrued income490/1€250€114▼

Equity and liabilities

Total equity and liabilities10/49€230k€233k▲

Equity10/15€26k€44k▲

Contributions10/11€19k€19k=

Profit (loss) carried forward14€7k€25k▲

Amounts payable17/49€204k€189k▼

Amounts payable within one year42/48€204k€189k▼

Current portion of amounts payable after more than one year42€19k-

Financial debts43€49k-

Credit institutions430/8€49k-

Trade debts44€110k€128k▲

Suppliers440/4€110k€128k▲

Taxes, remuneration and social security45€16k€59k▲

Taxes450/3€5k€18k▲

Remuneration and social security454/9€11k€40k▲

Other amounts payable47/48€10k€2k▼

Income statement Code20232024

Remuneration, social security and pensions62€192k€271k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼

Other operating charges640/8€2k€1k▼

Gross operating margin9900€296k€305k▲

Operating profit (loss)9901€93k€23k▼

Financial income75/76B€0€0▼

Recurring financial income75€0€0▼

Financial charges65/66B€2k€3k▲

Recurring financial charges65€2k€3k▲

Profit (loss) for the period before taxes9903€91k€20k▼

Income taxes67/77€2k€3k▲

Profit (loss) for the period9904€89k€18k▼

Profit (loss) for the period to be appropriated9905€89k€18k▼

Appropriation of the result

Profit (loss) to be appropriated9906€7k€25k▲

Profit (loss) brought forward from the previous period14P€-81k€7k▲

The notes to these accounts (4 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 4Financial 1Filings 3

2025

27-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 88 days late

2024

01-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 62 days late

28-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 363 days late

2023

31-12

Financial Back to profitnet €89k

Net result €89k after one loss-making year.

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, Temse · 1 establishment unit since 2021

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.

Scheldestraat 999140 Temse

Ground area

557 m²

Building footprint

443 m²

Volume, LiDAR

2,330 m³

Parcel 46302D0486/00G000, Flanders · tallest building 12.4 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

IKRAM SUPERMARKT

Scheldestraat 99, 9140 TemseRetail trade

since 20212.321.927.701

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46302D0486/00G000	Flanders	557 m²	1 · 443 m²	12.4 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.

Public money · subsidies and aid

Flemish government

2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid

Year	Entries	awarded	paid
2024	1	2,000 EUR	2,000 EUR

Schemes

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Temse2.321.927.701

2 permissions

Toelating · Detailhandel · since 01-10-2021

Toelating · Vleeswinkel · since 01-10-2021

Similar companies · same sector, comparable size

Dendermonde · Eq €44k

Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 4,544 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

47110Non-specialised retail sale with food, beverages or tobacco predominating

47113Retail trade

47114Supermarkets

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.