ILOPES
ActiveSummary
ILOPES has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88,988 and a net result of -€13,046. Equity has been growing by about 14% per year since 2023. Its solvency ranks better than 46% of 10,818 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 17-03-2023 Normal situation
- Activity
- Business and other management consultancy NACE 70200
- Establishment unit
- 2.343.376.676 3971 Leopoldsburg, since 17-03-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 20-04-2026
Board and ownership
- LOPES Iris FontinaDirector · since 17-03-2023
- Holdings
- Shares in 1 company FinFlowConnect
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.3%
- Gross margin
- -€1,714
- Loss
- €13,046
- Equity
- €88,988
- ▼ 12.8%
- Total assets
- €187,917
- ▼ 16.1%
- 2025 accounts filed 18 days after the deadline
Score breakdownraises riskLiquidity: current ratio 1.54, cash €4,232, halvedLoss of €13,046 (financial year 2025)lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €187,917Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 44% of them on solvency, 13% on liquidity, 11% on profitability and 26% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 25 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 18 days after the deadline Filed on 18 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00404821.
Annual accounts 2025 filed on 18-08-2026 at the NBB all 3 filings
Every figure per financial year
The operating result for 2025 is a loss of €8,851, after a profit of €54,886 in 2024. It is the lowest result since 2023.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €2,374 | €8,050 | - |
| Financial fixed assets | - | €50,000 | - |
| Depreciation and write-downs of the year | €88 | €2,094 | €1,016 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €88 | €2,094 | €1,016 | ▼ 51.5% |
| Other operating charges640/8 | €170 | €273 | €307 | ▲ 12.6% |
| Non-recurring operating charges66A | - | - | €5,813 | - |
| Gross operating margin9900 | €76,030 | €57,253 | -€1,714 | - |
| Operating profit (loss)9901 | €75,772 | €54,886 | -€8,851 | - |
| Financial income75/76B | €290 | €346 | €0 | ▼ 100% |
| Recurring financial income75 | €290 | €346 | €0 | ▼ 100% |
| Financial charges65/66B | €405 | €5,963 | €4,196 | ▼ 29.6% |
| Recurring financial charges65 | €405 | €5,963 | €4,196 | ▼ 29.6% |
| Profit (loss) for the period before taxes9903 | €75,657 | €49,268 | -€13,046 | - |
| Income taxes67/77 | €15,932 | €11,959 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €59,725 | €37,309 | -€13,046 | - |
| Profit (loss) for the period to be appropriated9905 | €59,725 | €37,309 | -€13,046 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €126,105 | €224,099 | €187,917 | ▼ 16.1% |
| Fixed assets21/28 | €2,286 | €58,242 | €51,072 | ▼ 12.3% |
| Tangible fixed assets22/27 | €2,286 | €8,242 | €1,072 | ▼ 87.0% |
| Furniture and vehicles24 | €2,286 | €8,242 | €1,072 | ▼ 87.0% |
| Financial fixed assets28 | - | €50,000 | €50,000 | = |
| Current assets29/58 | €123,819 | €165,857 | €136,844 | ▼ 17.5% |
| Amounts receivable within one year40/41 | €13,703 | €59,168 | €131,981 | ▲ 123% |
| Trade receivables40 | €13,703 | €26,224 | €40,343 | ▲ 53.8% |
| Other amounts receivable41 | - | €32,944 | €91,638 | ▲ 178% |
| Cash at bank and in hand54/58 | €109,069 | €105,887 | €4,232 | ▼ 96.0% |
| Deferred charges and accrued income490/1 | €1,047 | €802 | €631 | ▼ 21.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €126,105 | €224,099 | €187,917 | ▼ 16.1% |
| Equity10/15 | €64,725 | €102,034 | €88,988 | ▼ 12.8% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €59,725 | €97,034 | €83,988 | ▼ 13.4% |
| Distributable reserves133 | €59,725 | €97,034 | €83,988 | ▼ 13.4% |
| Amounts payable17/49 | €61,380 | €122,065 | €98,929 | ▼ 19.0% |
| Amounts payable after more than one year17 | - | €12,253 | €7,159 | ▼ 41.6% |
| Financial debts170/4 | - | €12,253 | €7,159 | ▼ 41.6% |
| Amounts payable within one year42/48 | €61,380 | €105,770 | €88,842 | ▼ 16.0% |
| Current portion of amounts payable after more than one year42 | - | €4,871 | €5,094 | ▲ 4.6% |
| Trade debts44 | €7,252 | €4,173 | €5,609 | ▲ 34.4% |
| Suppliers440/4 | €7,252 | €4,173 | €5,609 | ▲ 34.4% |
| Taxes, remuneration and social security45 | €40,868 | €34,693 | €18,159 | ▼ 47.7% |
| Taxes450/3 | €37,614 | €34,693 | €18,159 | ▼ 47.7% |
| Remuneration and social security454/9 | €3,254 | €0 | - | - |
| Other amounts payable47/48 | €13,260 | €62,033 | €59,980 | ▼ 3.3% |
| Accrued charges and deferred income492/3 | - | €4,042 | €2,928 | ▼ 27.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €59,725 | €37,309 | -€13,046 | - |
| + Depreciation and write-downs630 | €88 | €2,094 | €1,016 | ▼ 51.5% |
| Operating cash flow (approximation) | €59,813 | €39,404 | -€12,030 | - |
| Investment in fixed assets (approximation) | - | -€58,050 | €6,153 | - |
| Change in cash | - | -€3,182 | -€101,655 | ▼ 3,095% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,145 companies had the same profile as ILOPES has now. Two years later, 91.7% were still going and 2.2% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a small loss
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ILOPES itself is lower: 0.3% within 12 months. It rests on far more data about ILOPES than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,145 companies, not a prediction for ILOPES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- LOPES Iris Fontina sole founder · 100% at incorporation
Capital transactions
- 21-03-2023 Incorporation · 1,000 shares
Articles of association
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 21-03-2023 (in Dutch)
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- FinFlowConnectsubsidiarySourceown accounts 2025Equity €72,340 Profit of €977 in 2025 (profit of €1,512 in 2024) Checked score 85100%
Connections & network
1 current directorThe network starts from the directors of ILOPES. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
21-03
Gazette deed
IncorporationAppointment: LOPES Iris Fontina (director) · Founder · Founding capital14 points ▸
- Incorporation, 17-03-2023
- Founder, LOPES Iris Fontina (partner)
- Other provision, “huwelijksstelsel, wettelijk stelsel zonder huwelijkscontract” (deed in Dutch)
- Other provision, “echtgenoot van comparante” (deed in Dutch)
- Founding capital
- Other provision, “slot- en overgangsbepalingen, overeenkomstig de wet” (deed in Dutch)
- Registered office clause, “3971 Leopoldsburg (Heppen),Kanaalstraat 59” (deed in Dutch)
- Board rule, 1
- Director appointment, LOPES Iris Fontina (director)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en alle activiteiten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
- Other provision, “kosten en verklaringen van partijen”, 1500 (deed in Dutch)
- Other provision, “éénmalige handtekening betreft alle onderscheiden verrichtingen, dubbele hoedanigheid ondertekenaars” (deed in Dutch)
- The act holds 2 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
14 activities
- Het verlenen van adviezen van financiële,technische,commerciële of administratieve aard,alsook het in de ruimste zin van het woord verlenen van bijstand en diensten,rechtstreeks of onrechtstreeks,op het vlak van administratie en financiën,organisatie,verkoop,productie en algemeen bestuur
- Het verlenen van diensten op het vlak van netwerkvorming en -gebruik,externe vertegenwoordiging en representatie
- Het verrichten van commerciële activiteiten waaronder marktonderzoek,productontwikkeling,marketing en verkoop
- Het organiseren van allerlei evenementen en feestelijkheden
- Alle mogelijke advies-/en of dienstenfuncties op het vlak van bedrijfsbeheer,organisatie en planning,budgettaire en financiële aangelegenheden,commerciële en promotionele activiteiten
- Het verlenen van consultancy,opleiding,technische expertise en bijstand op voornoemde gebieden
- Het voeren van E-commerce activiteiten waaronder de aankoop en verkoop van goederen
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen;alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten(vruchtgebruik,recht van opstal,erfpacht,…),zoals de huurfinanciering van onroerend goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen,het ontwerpen en opvolgen van projecten,en het maken van studies met betrekking tot immobiliën;de aan- en verkoop,huur en verhuur van roerende goederen betreffende de inrichting en uitrusting van onroerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen;alsmede zich borg stellen voor het goede verloop van verbintenissen,door derde personen aangegaan,die het genot zouden hebben van voormelde roerende en onroerende goederen
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen;alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals het verwerven door inschrijving of aankoop,het beheren van aandelen,aandelenopties,obligaties,kasbons,afgeleide producten of andere roerende waarden,van welke vorm ook,uitgegeven door Belgische of buitenlandse emittenten
- Het opnemen van bestuurders-,vereffenaars- of andere mandaten in Belgische en/of buitenlandse vennootschappen
- Het verwerven door inschrijving of aankoop,voor eigen rekening of voor rekening van derden van aandelen,obligaties,kasbons of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten vennootschappen
- Het bevorderen van de oprichting van vennootschappen door inbreng,participatie of investering
- Het toestaan van leningen en kredietopeningen aan vennootschappen en particulieren,onder om het even welke vorm;in dit kader kan zij zich ook borg stellen of haar aval verlenen,in de meest ruime zin,alle handels- en financiële operaties verrichten behalve die welke wettelijk voorbehouden zijn aan depositobanken,houders van deposito’s op korte termijn,spaarbanken,hypotheekmaatschappijen en kapitalisatieondernemingen
- De vennootschap zal op alle wijzen belangen kunnen nemen in alle zaken,ondernemingen of vennootschappen met eenzelfde gelijklopend of aanverwant voorwerp en dat van aard is de ontwikkeling van haar onderneming te bevorderen of haar klantenbestand uit te breiden
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71023A0145/00K000 | Flanders | 901 m² | 1 · 86 m² | 7.2 m · 2 |