IM Educational Solutions
ActiveThe computed 12-month bankruptcy probability of IM Educational Solutions is 1.9% (moderate). The annual accounts of IM Educational Solutions for fiscal year 2025 show a net loss of 124% of total assets and of 78% of the equity at the start of that year. The 2025 annual accounts show equity of €144k and a net result of €-259k. Equity is shrinking by ~18% per year across the filed fiscal years. Its solvency ranks better than 78% of 523 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. The bankruptcy probability (1.9%) counts for 35% and brings the score to 59. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency94▼-6
Growth32=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.09 against 6.74 in 2024; short-term debt: 30.7% and cash: 65.8% of total assets), and 30.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
lower
← fewer bankruptcies
more bankruptcies →
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 · 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 2025Solvency, return and age of the figures
Solvency
69.3%
Return on assets
-124.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-259k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 4 filingsDeviation from the deadline
2025
3 d late
2024
61 d late
2023
33 d early
2022
56 d late
← 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
€144k▼ 56.8%
2024 · €334k
2022: €361k
2023: €-12k
2024: €334k
2022 → 2025
Total assets
€208k▼ 46.6%
2024 · €390k
2022: €403k
2023: €81k
2024: €390k
2022 → 2025
Net result
€-259k▼ 0.3%
2024 · €-258k
2022: €-199k
2023: €-409k
2024: €-258k
2022 → 2025
Working capital
€134k▼ 58.7%
2024 · €324k
2022: €343k
2023: €-26k
2024: €324k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€361k-€-12k€334k€144k▼ 56.8%
Operating result€-198k-€-409k▼ 106%€-258k▲ 36.9%€-259k▼ 0.4%
Net result€-199k-€-409k▼ 106%€-258k▲ 36.9%€-259k▼ 0.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €259k in 2025 against €258k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208k
Fixed assets
€10k▲ 8.6%
Current assets
€198k▼ 48.0%
Equity and liabilities €208k
Equity
€144k▼ 56.8%
Debt
€64k▲ 13.2%
The debt ratio rises from 14.5% to 30.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-254k=
2024 · €-254k
Cash flow
€-254k▲
2024 · €-254k
Solvency
69.3%▼
2024 · 85.5%
Current ratio
3.09▼
2024 · 6.74
Quick ratio
3.09▼
2024 · 6.74
Debt / equity
0.44▲
2024 · 0.17
ROE
-179.7%▼
2024 · -77.4%
ROA
-124.5%▼
2024 · -66.2%
Interest coverage
-954.25▼
2024 · -556.34
Debt
€64k▲
2024 · €57k
Debt ≤ 1 year
€64k▲
2024 · €57k
Staff costs
€225k▼
2024 · €245k
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€390k€208k▼
Fixed assets21/28€10k€10k▲
Tangible fixed assets22/27€9k€10k▲
Plant, machinery and equipment23€5k€951▼
Furniture and vehicles24-€5k
Other tangible fixed assets26€4k€4k▼
Financial fixed assets28€665€665=
Current assets29/58€381k€198k▼
Amounts receivable within one year40/41€88k€60k▼
Trade receivables40€47k€55k▲
Other amounts receivable41€42k€5k▼
Cash at bank and in hand54/58€289k€137k▼
Deferred charges and accrued income490/1€4k€1k▼
Equity and liabilities
Total equity and liabilities10/49€390k€208k▼
Equity10/15€334k€144k▼
Contributions10/11€1.20M€1.27M▲
Profit (loss) carried forward14€-866k€-1.13M▼
Amounts payable17/49€57k€64k▲
Amounts payable within one year42/48€57k€64k▲
Trade debts44€15k€3k▼
Suppliers440/4€15k€3k▼
Taxes, remuneration and social security45€36k€54k▲
Taxes450/3-€3k
Remuneration and social security454/9€36k€52k▲
Other amounts payable47/48€5k€7k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€245k€225k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€641€738▲
Gross operating margin9900€-8k€-28k▼
Operating profit (loss)9901€-258k€-259k▼
Financial income75/76B€0€65▲
Recurring financial income75€0€65▲
Financial charges65/66B€456€266▼
Recurring financial charges65€456€266▼
Profit (loss) for the period before taxes9903€-258k€-259k▼
Profit (loss) for the period9904€-258k€-259k▼
Profit (loss) for the period to be appropriated9905€-258k€-259k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-866k€-1.13M▼
Profit (loss) brought forward from the previous period14P€-608k€-866k▼
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Liquidity times 9current ratio 6.74
Current ratio from 0.72 to 6.74; short-term debt falls from €93k to €57k.
31-12
Financial
Equity above €200kEq €334k
Equity rises from €-12k to €334k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-409k
Net result drops to €-409k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schaarbeek · 3 establishment units since 2022
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.
Lambermontlaan 1581030 SchaarbeekGround area
3,061 m²
Building footprint
773 m²
Volume, LiDAR
8,473 m³
3 parcels, Brussels, Flanders · tallest building 19.9 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
Lambermontlaan 158, 1030 Schaarbeek
since 20222.329.373.440
Bomastraat 16, 9000 Gent
since 20222.329.373.638
Vrijheidstraat 30, 9140 Temse
since 20262.393.034.045
3 parcels
Flanders
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2856/00H002 | Flanders | 1,759 m² | 1 · 449 m² | 19.9 m · 5 fl. |
| 46302D2036/00A000 | Flanders | 1,034 m² | 1 · 233 m² | 12.6 m · 1 fl. |
| 21902A0423/00W010 | Brussels | 268 m² | 1 · 90 m² | 19.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,590 companies in sector 88911 we hold annual accounts for 707. 536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2022
Fiscal year end31-12
Activities, NACEBEL
88911Day nurseries and crèches
88912Social work activities without accommodation
88919Social work activities without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.