Debts
€3.1m 94% of the balance sheet
Financial debts 54%Suppliers 7%Taxes and wages 4%Other 34%
Of this, €1.4m falls due within a year.
Im-Fine
Lifetime
17 annual accounts with figures on one time axis, 44 filings since 1981peak €1.3m (2024)
€758,043▼ 42.4%
lowest -€88,865 (2023)
€15,538▼ 63.3%
peak €272,920 (2021)
€197,500▲ 8.5%
€3.1m▼ 6.4%
peak 11.7 FTE (2022)
4.7 FTE▼ 53.5%
Board9 names since 2016
5 directorsChristophe Haulet SRL and 4 others
Owners3 names in the annual accounts
100%DNA33 SERVICES and 1 other
Documentsfilings and deeds
23-04-202699 days before the deadline
2025financial year
Gross margin from €1.3m to €758,043Result from €42,337 to €15,538Staff from 10.1 FTE to 4.7 FTEReappointment: Luc Callaert (statutory auditor) 30-06Cash from €99,202 to €170,228
Key points
from the 2025 annual accountsSecurities
€2.2m
Mortgages, new in 2025. 10.9 times equity · not in the 2024 accounts.
Investments
€7,211 0.0 × depreciation
Green is investment, beige is depreciation.
Staff
4.7 FTE from 11.7 in 2022
Between 2022 and 2025, 60% of the full-time equivalents disappeared.
At the same address
21 companies
Position in the sector
6.1%
Lower solvency than 88% of companies in head offices and management consultancy. Sector median 53.3% · 3,873 companies.
Checked score
82
Excellent
Financially stronger than 27% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,568 companies (NACE 70, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.4%● unchanged vs 12-2024
02-2025: 1.4%● unchanged vs 01-2025
03-2025: 1.6%▲ +0.2 percentage points vs 02-2025
04-2025: 1.6%● unchanged vs 03-2025
05-2025: 1.6%● unchanged vs 04-2025
06-2025: 1.6%● unchanged vs 05-2025
07-2025: 1.7%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 1.3%▼ -0.4 percentage points vs 07-2025
09-2025: 1.3%● unchanged vs 08-2025
10-2025: 1.3%● unchanged vs 09-2025
11-2025: 0.7%▼ -0.6 percentage points vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.8%▲ +0.1 percentage points vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.4%▼ -0.4 percentage points vs 04-2026lowest value
06-2026: 0.4%● unchanged vs 05-2026lowest value
07-2026: 0.4%● unchanged vs 06-2026lowest value
08-2026: 0.4%● unchanged vs 07-2026lowest value
09-2026: 0.4%● unchanged vs 08-2026lowest value
10-2026: 0.4%● unchanged vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Equity €197,500 (6.1% of total assets)
lowers risk
Figures for financial year 2025 (filed on 24-04-2026)
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: 4.7 FTE, total assets €3.3m
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 14% of them on solvency, 17% on liquidity, 22% on profitability and 55% on growth.
The bankruptcy probability was computed on 07-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 1,083 companies had the same profile as Im-Fine has now. Each dot stands for 3 companies, two years later.
96.9%
were still trading
2.2%
stopped another way
0.8%
went bankrupt
That fits the bankruptcy probability of Im-Fine itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 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 1,083 companies, not a prediction for Im-Fine. 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.
Credit verdict
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.26 (0.31 in 2024), below 1. Short-term debt is 42.8% and cash 5.2% of total assets. 93.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 3873 sector peers (2025).
NBB · sector comparisonPosition among 3873 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-04-2026, 99 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
99 days early
2024
17 days early
2023
8 days early
2022
3 days early
2021
1 day late
2020
2 days early
2019
25 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days before 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)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- DNA33 SERVICES 100%equity €6.8m (2025) · deed of 18-08-2026
- Companion Co Be Bv consolidatesequity €265.9m (2025) · annual accounts 2025
Recent changes
Left the Peppol Directory
Merger proposal: to be absorbed by DNA33 SERVICES
Permanent representatives: Gérald Jacqmin and Christophe Haulet · DNA33 SERVICES holds all the shares · MOORE STRATEGY & OPERATIONS SRL holds all the shares · Gazette deed
5 directors appointed, 5 resignations
Resignations: Gaetan Mondet SRL, Copley SRL, Christophe Haulet SRL, GJ Management Consulting SRL and WIP Effects SRL · Appointments: Christophe Haulet SRL, GJ Management Consulting SRL, Luc De Muynck, Joris VandenBerghe and Jo Roseleth · Director discharge: Christophe Haulet SRL · General meeting of 16-07-2025 · Gazette deed
Reappointment: Luc Callaert (statutory auditor)
General meeting of 28-06-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Im-Fine Woluwe-Saint-Lambert | €3.3m | €0.8m | 6.1% | 4.7 |
| NAGUI MANAGEMENT GROUP Brussels | €3.6m | €0.9m | 47.4% | 4.4 |
| Sesi Zandhoven | €3.2m | €0.7m | 80.0% | 3.5 |
| HOCKE PARTNERS Berchem-Sainte-Agathe | €4.3m | €0.6m | -16.7% | 4.9 |
| PROSPECT CONSULTING & SERVICES Ixelles | €2.9m | €1.0m | 4.3% | 4.6 |
| CHARLES RIVER LABORATORIES BELGIUM Ixelles | €2.2m | €1.1m | 21.3% | 4.3 |
| COPERFIN Ath | €2.5m | €0.7m | 55.2% | 4.6 |
These companies have the same main activity as Im-Fine: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €2.2m and €4.3m, founded between 1977 and 1994.
Official details
Source: KBO- Status
- Active since 14-05-1981Normal situation
- Registered office
- 23 active companies are registered at this address1 started in the 12 months before. Source: KBO register, as of 8 November 2026.
- Activity
- Business and other management consultancyNACE 70200
- Joint committees
- 200Auxiliary committee for white-collar workers
- 100Auxiliary committee for blue-collar workers · annual accounts 2025
- Establishment units
- 2.277.644.7261300 Wavre, since 01-07-2017
- 2.345.587.9791200 Woluwe-Saint-Lambert, since 01-06-2023
- Financial year end
- 31 December
- Peppol
- Left the register on 21-10-2026
Annual accounts 2025
- ≈ €1.2mestimated
- €3.3m▼ 8.1%
- Employeeson 31-12-2025
- 5=
- Filing
- Filed on 23-04-2026, 99 days before the end of the filing period
Companies linked to Im-Fine
Parent and group
Insights on Im-Fine
Im-Fine has existed since 1981. In 2017 the gross margin rose from €116 to €141,048.
DNA33 SERVICES holds all the shares. In July 2025, three directors stepped down.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Im-Fine
- What is the company number of Im-Fine?
- The company number of Im-Fine is 0421.658.703. The VAT number is the same number with BE in front: BE 0421.658.703.
- Where is Im-Fine based?
- The registered office is at Gemeenschappenlaan 110, 1200 Woluwe-Saint-Lambert.Company details
- What does Im-Fine do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of Im-Fine?
- Im-Fine is a private limited company (BV).
- When was Im-Fine founded?
- Im-Fine was founded on 14-05-1981.
- Is Im-Fine still active?
- Yes, Im-Fine is an active enterprise in the KBO register.
- How many employees does Im-Fine have?
- Im-Fine had an average of 4.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Im-Fine fall under?
- In its 2025 annual accounts, Im-Fine states joint committees 200 (Auxiliary committee for white-collar workers) and 100 (Auxiliary committee for blue-collar workers).
- What is the turnover of Im-Fine?
- The turnover in financial year 2025 is ≈ €1.2m. This figure is estimated from the gross margin of €758,043 and 74 comparable companies (NACE 70200). It probably lies between €900,000 and €2.1m. In financial year 2023 turnover was €1.9m.
- Is Im-Fine profitable?
- In financial year 2025, Im-Fine made a profit of €15,538.
- Where can I find the annual accounts of Im-Fine?
- Im-Fine filed 44 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Im-Fine due?
- Im-Fine must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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