IMAC & RETAIL SERVICES
ActiveSummary
IMAC & RETAIL SERVICES has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €912k and a net result of €140k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 1037 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-3
Solvency56▼-20
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 4.24 against 3.96 in 2024; short-term debt: 18.5% and cash: 7.5% of total assets), but 68.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
31.3%
Return on assets
4.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
1 d early
2023
75 d early
2022
54 d early
2021
51 d early
2020
50 d early
2019
35 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 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, abbreviated schema
Equity
€912k▼ 24.0%
2024 · €1.20M
2018: €748k
2019: €964k
2020: €785k
2021: €964k
2022: €1.06M
2023: €1.02M
2024: €1.20M
2018 → 2025
Total assets
€2.92M▲ 24.2%
2024 · €2.35M
2018: €1.68M
2019: €1.69M
2020: €1.60M
2021: €1.30M
2022: €1.38M
2023: €1.38M
2024: €2.35M
2018 → 2025
Net result
€140k▼ 23.7%
2024 · €183k
2018: €211k
2019: €216k
2020: €78k
2021: €179k
2022: €169k
2023: €58k
2024: €183k
2018 → 2025
Working capital
€1.75M▲ 25.4%
2024 · €1.40M
2018: €1.11M
2019: €1.24M
2020: €967k
2021: €1.03M
2022: €948k
2023: €918k
2024: €1.40M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€964k-€1.06M▲ 9.9%€1.02M▼ 4.1%€1.20M▲ 18.0%€912k▼ 24.0%
Operating result€282k-€274k▼ 2.8%€118k▼ 56.9%€321k▲ 171%€244k▼ 24.0%
Net result€179k-€169k▼ 5.4%€58k▼ 66.0%€183k▲ 218%€140k▼ 23.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.92M
Fixed assets
€626k ▲ 29.8%
Current assets
€2.29M ▲ 22.8%
Equity and liabilities €2.92M
Equity
€912k ▼ 24.0%
Debt
€2.01M ▲ 74.5%
Debt's share of the balance-sheet total rises from 48.9% to 68.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€371k▼
2024 · €418k
Cash flow
€266k▼
2024 · €280k
Current ratio
4.24▲
2024 · 3.96
Debt to equity
2.20▲
2024 · 0.96
ROE
15.3%▲
2024 · 15.2%
ROA
4.8%▼
2024 · 7.8%
Interest coverage
25.14▲
2024 · 14.87
Debt ≤ 1 year
€541k▲
2024 · €471k
Debt > 1 year
€105k▼
2024 · €107k
Income taxes
€91k▼
2024 · €111k
Staff costs
€830k▲
2024 · €797k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.35M€2.92M▲
Fixed assets21/28€482k€626k▲
Intangible fixed assets21€127k€157k▲
Tangible fixed assets22/27€255k€260k▲
Plant, machinery and equipment23€10k€15k▲
Furniture and vehicles24€28k€45k▲
Leasing and similar rights25€201k€189k▼
Other tangible fixed assets26€16k€11k▼
Financial fixed assets28€101k€209k▲
Current assets29/58€1.87M€2.29M▲
Amounts receivable after more than one year29€870k€690k▼
Other amounts receivable291€870k€690k▼
Amounts receivable within one year40/41€721k€1.34M▲
Trade receivables40€638k€1.17M▲
Other amounts receivable41€83k€165k▲
Cash at bank and in hand54/58€269k€218k▼
Deferred charges and accrued income490/1€7k€47k▲
Equity and liabilities
Total equity and liabilities10/49€2.35M€2.92M▲
Equity10/15€1.20M€912k▼
Contributions10/11€100k€100k=
Reserves13€1.10M€812k▼
Distributable reserves133€1.10M€812k▼
Amounts payable17/49€1.15M€2.01M▲
Amounts payable after more than one year17€107k€105k▼
Financial debts170/4€107k€105k▼
Amounts payable within one year42/48€471k€541k▲
Current portion of amounts payable after more than one year42€70k€68k▼
Financial debts43-€100k
Credit institutions430/8-€100k
Trade debts44€255k€226k▼
Suppliers440/4€255k€226k▼
Taxes, remuneration and social security45€146k€146k▲
Taxes450/3€695€54k▲
Remuneration and social security454/9€145k€93k▼
Accrued charges and deferred income492/3€571k€1.36M▲
Income statement
Code20242025
Remuneration, social security and pensions62€797k€830k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€97k€127k▲
Other operating charges640/8€20k€22k▲
Non-recurring operating charges66A-€125k
Gross operating margin9900€1.23M€1.35M▲
Operating profit (loss)9901€321k€244k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€28k€15k▼
Recurring financial charges65€28k€15k▼
Profit (loss) for the period before taxes9903€294k€231k▼
Income taxes67/77€111k€91k▼
Profit (loss) for the period9904€183k€140k▼
Profit (loss) for the period to be appropriated9905€183k€140k▼
Appropriation of the result
Profit (loss) to be appropriated9906€183k€140k▼
Transfer from equity791/2-€427k
Transfer to equity691/2€183k€140k▼
To other reserves6921€183k€140k▼
Profit to be distributed694/7-€427k
Return on contributions (dividend)694-€427k
Social balance
Average headcount (FTE)908715.715.7=
The notes to these accounts (16 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €58k ▼66%
Net result drops to €58k, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.06M ▲9.9%
5 profitable years in a row build equity to €1.06M.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity triplescurrent ratio 7.80
Current ratio from 2.97 to 7.80; short-term debt falls from €491k to €151k.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €216k ▲2.7%
Operating result €354k, net result €216k, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Bornem · 1 establishment unit since 2007
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.
Lodderstraat(EIK) 82880 BornemGround area
2,798 m²
Building footprint
1,080 m²
Volume, LiDAR
6,025 m³
Parcel 12015D0434/00D000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IRS
since 20072.163.995.467
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015D0434/00D000 | Flanders | 2,798 m² | 1 · 1,080 m² | 7.6 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.
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Of 863 companies in sector 95100 we hold annual accounts for 265. 123 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
Founded18-07-2007
Fiscal year end31-12
Abbreviation NL
IRS
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
95100Repair and maintenance of computers and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.