IM & CO PROJECTS
ActiveSummary
IM & CO PROJECTS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €26k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 59% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency81▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.56 against 2.93 in 2024; short-term debt: 38.2% and cash: 0% of total assets), and 44.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
55.5%
Return on assets
18.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
47 d early
2024
on the day
2023
8 d late
2022
2 d late
2021
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▲ 50.4%
2024 · €51k
2021: €35k
2022: €40k
2023: €35k
2024: €51k
2021 → 2025
Total assets
€138k▲ 82.7%
2024 · €76k
2021: €91k
2022: €90k
2023: €131k
2024: €76k
2021 → 2025
Net result
€26k▲ 15.9%
2024 · €22k
2021: €22k
2022: €5k
2023: €-5k
2024: €22k
2021 → 2025
Working capital
€82k▲ 73.6%
2024 · €48k
2021: €46k
2022: €-1k
2023: €-7k
2024: €48k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€40k▲ 15.1%€35k▼ 12.1%€51k▲ 46.5%€77k▲ 50.4%
Operating result€32k-€14k▼ 57.0%€5k▼ 66.4%€32k▲ 593%€47k▲ 49.3%
Net result€22k-€5k▼ 76.2%€-5k€22k€26k▲ 15.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€3k ▼ 15.0%
Current assets
€135k ▲ 87.6%
Equity and liabilities €138k
Equity
€77k ▲ 50.4%
Debt
€62k ▲ 150%
Debt's share of the balance-sheet total rises from 32.5% to 44.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▲
2024 · €33k
Cash flow
€28k▲
2024 · €24k
Current ratio
2.56▼
2024 · 2.93
Debt to equity
0.80▲
2024 · 0.48
ROE
33.5%▼
2024 · 43.5%
ROA
18.6%▼
2024 · 29.3%
Interest coverage
6.94▼
2024 · 13.45
Debt ≤ 1 year
€53k▲
2024 · €25k
Debt > 1 year
€9k
Income taxes
€14k▲
2024 · €7k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€76k€138k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€3k€3k▼
Financial fixed assets28€450€450=
Current assets29/58€72k€135k▲
Amounts receivable after more than one year29€31k€26k▼
Trade receivables290€31k€26k▼
Amounts receivable within one year40/41€41k€106k▲
Trade receivables40€13k€38k▲
Other amounts receivable41€28k€68k▲
Cash at bank and in hand54/58€226€1▼
Deferred charges and accrued income490/1€93€3k▲
Equity and liabilities
Total equity and liabilities10/49€76k€138k▲
Equity10/15€51k€77k▲
Contributions10/11€1k€1k=
Reserves13€50k€76k▲
Distributable reserves133€50k€76k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€25k€62k▲
Amounts payable after more than one year17-€9k
Financial debts170/4-€9k
Amounts payable within one year42/48€25k€53k▲
Current portion of amounts payable after more than one year42€0€8k▲
Financial debts43-€6k
Credit institutions430/8-€2k
Other loans439-€4k
Trade debts44€6k€19k▲
Suppliers440/4€6k€19k▲
Taxes, remuneration and social security45€12k€19k▲
Taxes450/3€12k€19k▲
Other amounts payable47/48€7k€656▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€35k€51k▲
Operating profit (loss)9901€32k€47k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€2k€7k▲
Recurring financial charges65€2k€7k▲
Profit (loss) for the period before taxes9903€29k€40k▲
Income taxes67/77€7k€14k▲
Profit (loss) for the period9904€22k€26k▲
Profit (loss) for the period to be appropriated9905€22k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€26k▲
Transfer from equity791/2€0-
Transfer to equity691/2€16k€26k▲
To other reserves6921€16k€26k▲
Profit to be distributed694/7€6k€0▼
Directors or managers695€6k€0▼
The notes to these accounts (10 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2021net €26k ▲15.9%
Operating result €47k, net result €26k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 2.93
Current ratio from 0.93 to 2.93; short-term debt falls from €96k to €25k.
08-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
30-06
Financial
Weakest financial yearnet €-5k ▼192%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Ingelmunster · 1 establishment unit since 2017
Ground area
3,316 m²
Building footprint
1,258 m²
Volume, LiDAR
5,753 m³
Parcel 36007A0160/00E000, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IM & CO Invest
since 20172.267.438.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007A0160/00E000 | Flanders | 3,316 m² | 1 · 1,258 m² | 6.9 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.
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,660 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
Founded25-07-2017
Fiscal year end30-06
Activities, NACEBEL 2025
43320Joinery installation
43230Insulation installation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.