IM'S ADVISOR
ActiveSummary
The computed 12-month bankruptcy probability of IM'S ADVISOR is 2.8% (moderate). The 2025 annual accounts show negative equity (€-12k) and a net result of €-4k. Equity is shrinking by ~43.4% per year across the filed fiscal years. Its solvency ranks better than 12% of 11322 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-33
Solvency0=
Growth58=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.67 against 0.71 in 2024; short-term debt: 142.8% and cash: 4.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
-42.8%
Return on assets
-13.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
28 d late
2023
27 d late
2022
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-12k▼ 44.4%
2024 · €-8k
2022: €-822
2023: €-9k
2024: €-8k
2022 → 2025
Total assets
€28k▲ 30.5%
2024 · €22k
2022: €24k
2023: €21k
2024: €22k
2022 → 2025
Net result
€-4k
2024 · €471
2022: €-4k
2023: €-8k
2024: €471
2022 → 2025
Working capital
€-13k▼ 69.4%
2024 · €-8k
2022: €-5k
2023: €-11k
2024: €-8k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-822-€-9k▼ 985%€-8k▲ 5.3%€-12k▼ 44.4%
Operating result€-2k-€-6k▼ 229%€3k€164▼ 94.8%
Net result€-4k-€-8k▼ 112%€471€-4k
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 2025; 2025 is 95% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€1k ▼ 50.0%
Current assets
€27k ▲ 40.0%
Key figures and ratios
EBITDA
€1k▼
2024 · €4k
Cash flow
€-3k▼
2024 · €2k
Solvency
-42.8%▼
2024 · -38.7%
Current ratio
0.67▼
2024 · 0.71
Debt to equity
-3.34▲
2024 · -3.58
ROA
-13.2%▼
2024 · 2.2%
Interest coverage
0.45▼
2024 · 2.07
Debt
€41k▲
2024 · €30k
Debt ≤ 1 year
€41k▲
2024 · €27k
Income taxes
€954▲
2024 · €587
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€22k€28k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€20k€27k▲
Amounts receivable within one year40/41€9k€26k▲
Trade receivables40€9k€26k▲
Other amounts receivable41€39€39=
Cash at bank and in hand54/58€9k€1k▼
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€22k€28k▲
Equity10/15€-8k€-12k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-11k€-15k▼
Amounts payable17/49€30k€41k▲
Amounts payable within one year42/48€27k€41k▲
Trade debts44€5k€13k▲
Suppliers440/4€5k€13k▲
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€7k€2k▼
Other amounts payable47/48€16k€26k▲
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€632€4k▲
Gross operating margin9900€5k€5k▼
Operating profit (loss)9901€3k€164▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€1k€-3k▼
Income taxes67/77€587€954▲
Profit (loss) for the period9904€471€-4k▼
Profit (loss) for the period to be appropriated9905€471€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-15k▼
Profit (loss) brought forward from the previous period14P€-12k€-11k▲
The notes to these accounts (12 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
14-08
State Gazette act
General meeting · Director resignation
Director appointment · Share transfer
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €471
Net result €471 after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneState Gazette actNBB 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, Saint-Ghislain · 1 establishment unit since 2021
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.
Rue des Herbières(T) 807333 Saint-GhislainGround area
684 m²
Building footprint
68 m²
Volume, LiDAR
450 m³
Parcel 53075D0582/00P002, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IM'S ADVISOR
since 20212.324.778.115
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53075D0582/00P002 | Wallonia | 684 m² | 1 · 68 m² | 7.7 m · 2 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.
Similar companies · same sector and region
MARIMORELI
BE 0728.565.317
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BE 0547.985.761
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AGENCE C.E.A.
BE 0477.388.963
Frameries
AL. CARS
BE 0460.343.489
Lessines
ALL4
BE 0544.428.831
La Louvière
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
47120Other non-specialised retail sale
70200Business and other management consultancy
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:massimo.saporito@ims-advisor.com
Phone:+32479559916