iMatch
ActiveSummary
iMatch has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€297,024) and a net result of -€215,415. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 8113 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-6
Solvency0▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.08 against 0.46 in 2023; short-term debt: 149.3% and cash: 0% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
-51.8%
Return on assets
-37.6%
Age of the figures
24 mo
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year -€297,024
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 151 days later.
NBB · 8 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline28-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 02-03-2026, 306 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 8 filingsDeviation from the deadline
2025
not filed
2024
306 d late
2023
63 d late
2022
31 d late
2021
108 d late
2020
on the day
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 78 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
-€297,024▼ 264%
2023 · -€81,610
Total assets
€573,389▼ 18.7%
2023 · €705,603
Net result
-€215,415▼ 103%
2023 · -€106,222
Working capital
-€791,472▼ 91.1%
2023 · -€414,118
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€208,623▲ 72.6%-€366,985▼ 75.9%-€234,088▲ 36.2%-€86,128▲ 63.2%-€188,286▼ 119%
Net result-€228,690below the sector's middle half▲ 71.7%-€381,730below the sector's middle half▼ 66.9%-€245,304below the sector's middle half▲ 35.7%-€106,222below the sector's middle half▲ 56.7%-€215,415below the sector's middle half▼ 103%
Equity-€133,355below the sector's middle half▲ 70.7%-€215,085below the sector's middle half▼ 61.3%€24,612below the sector's middle half-€81,610below the sector's middle half-€297,024below the sector's middle half▼ 264%
Total assets€521,296within the sector's middle half▼ 18.7%€340,115below the sector's middle half▼ 34.8%€596,618within the sector's middle half▲ 75.4%€705,603within the sector's middle half▲ 18.3%€573,389within the sector's middle half▼ 18.7%
Debt€654,651▼ 40.2%€555,199▼ 15.2%€572,006▲ 3.0%€787,212▲ 37.6%€870,414▲ 10.6%
Working capital-€142,429below the sector's middle half▲ 75.7%-€253,938below the sector's middle half▼ 78.3%-€157,364below the sector's middle half▲ 38.0%-€414,118below the sector's middle half▼ 163%-€791,472below the sector's middle half▼ 91.1%
Solvency-25.6%below the sector's middle half▲ 45.4pp-63.2%below the sector's middle half▼ 37.7pp4.1%below the sector's middle half▲ 67.4pp-11.6%below the sector's middle half▼ 15.7pp-51.8%below the sector's middle half▼ 40.2pp
Current ratio0.60within the sector's middle half▲ 0.260.31below the sector's middle half▼ 0.280.69within the sector's middle half▲ 0.370.46below the sector's middle half▼ 0.230.08below the sector's middle half▼ 0.38
Return on assets (ROA)-43.9%below the sector's middle half▲ 82.1pp-112.2%below the sector's middle half▼ 68.4pp-41.1%below the sector's middle half▲ 71.1pp-15.1%below the sector's middle half▲ 26.1pp-37.6%below the sector's middle half▼ 22.5pp
Staff (FTE)2.5within the sector's middle half▼ 53.7%2.3within the sector's middle half▼ 8.0%3.2within the sector's middle half▲ 39.1%1.7within the sector's middle half▼ 46.9%2within the sector's middle half▲ 17.6%
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Why a figure moved sharply
- 2020 Net result +72% on 2019. The previous fiscal year ran 21 months, this one 12.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €188,286 in 2024 against €86,128 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €573,389
Fixed assets
€508,560 ▲ 43.8%
Current assets
€64,830 ▼ 81.6%
Key figures and ratios
EBITDA
-€68,173▼
2023 · €14,836
Cash flow
-€95,302▼
2023 · -€5,258
Quick ratio
0.06▼
2023 · 0.43
Debt to equity
-2.93▲
2023 · -9.65
Interest coverage
-2.53▼
2023 · 0.74
Debt ≤ 1 year
€856,301▲
2023 · €766,048
Income taxes
€169▼
2023 · €182
Staff costs
€8,545▼
2023 · €130,710
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,940 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.5%
went bankrupt
8.0%
stopped otherwise
85%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,940 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €240,000 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | €102,235 | €187,880 | €130,710 | €8,545 | ▼ 93.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €122,633 | €137,666 | €80,371 | €100,964 | €120,113 | ▲ 19.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €12,088 | - |
| Other operating charges640/8 | - | €2,654 | €3,092 | €6,959 | €2,285 | ▼ 67.2% |
| Gross operating margin9900 | -€13,112 | -€124,430 | €37,255 | €152,505 | -€45,255 | ▼ 130% |
| Operating profit (loss)9901 | -€208,623 | -€366,985 | -€234,088 | -€86,128 | -€188,286 | ▼ 119% |
| Financial income75/76B | - | €3,173 | €686 | €161 | €0 | ▼ 99.9% |
| Recurring financial income75 | €6,605 | €3,173 | €686 | €161 | €0 | ▼ 99.9% |
| Financial charges65/66B | - | €17,277 | €11,624 | €20,072 | €26,959 | ▲ 34.3% |
| Recurring financial charges65 | €26,473 | €17,277 | €11,624 | €20,072 | €26,959 | ▲ 34.3% |
| Profit (loss) for the period before taxes9903 | -€228,491 | -€381,089 | -€245,026 | -€106,040 | -€215,245 | ▼ 103% |
| Income taxes67/77 | €199 | €640 | €278 | €182 | €169 | ▼ 7.0% |
| Profit (loss) for the period9904 | -€228,690 | -€381,730 | -€245,304 | -€106,222 | -€215,415 | ▼ 103% |
| Profit (loss) for the period to be appropriated9905 | -€228,690 | -€381,730 | -€245,304 | -€106,222 | -€215,415 | ▼ 103% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €521,296 | €340,115 | €596,618 | €705,603 | €573,389 | ▼ 18.7% |
| Fixed assets21/28 | €310,934 | €223,999 | €251,845 | €353,673 | €508,560 | ▲ 43.8% |
| Intangible fixed assets21 | €287,373 | €212,322 | €242,298 | €344,914 | €502,402 | ▲ 45.7% |
| Tangible fixed assets22/27 | €23,161 | €11,277 | €8,947 | €8,558 | €5,958 | ▼ 30.4% |
| Plant, machinery and equipment23 | - | €904 | €1,926 | €3,189 | €2,241 | ▼ 29.7% |
| Furniture and vehicles24 | - | €10,373 | €7,021 | €5,369 | €3,717 | ▼ 30.8% |
| Financial fixed assets28 | €400 | €400 | €600 | €200 | €200 | = |
| Current assets29/58 | €210,362 | €116,115 | €344,773 | €351,930 | €64,830 | ▼ 81.6% |
| Stocks and contracts in progress3 | €129,727 | €98,056 | €96,195 | €24,177 | €12,088 | ▼ 50.0% |
| Stocks30/36 | - | €98,056 | €96,195 | €24,177 | €12,088 | ▼ 50.0% |
| Amounts receivable within one year40/41 | €77,385 | €13,410 | €244,494 | €325,931 | €51,811 | ▼ 84.1% |
| Trade receivables40 | - | €12,100 | €244,216 | €325,234 | €48,203 | ▼ 85.2% |
| Other amounts receivable41 | - | €1,310 | €278 | €697 | €3,608 | ▲ 418% |
| Cash at bank and in hand54/58 | €538 | €734 | €442 | €79 | €0 | ▼ 99.9% |
| Deferred charges and accrued income490/1 | - | €3,915 | €3,643 | €1,743 | €930 | ▼ 46.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €521,296 | €340,115 | €596,618 | €705,603 | €573,389 | ▼ 18.7% |
| Equity10/15 | -€133,355 | -€215,085 | €24,612 | -€81,610 | -€297,024 | ▼ 264% |
| Contributions10/11 | €100,000 | €400,000 | €650,000 | €650,000 | €650,000 | = |
| Capital10 | - | €400,000 | €650,000 | €650,000 | €650,000 | = |
| Issued capital100 | - | €400,000 | €650,000 | €650,000 | €650,000 | = |
| Profit (loss) carried forward14 | -€233,355 | -€615,085 | -€625,388 | -€731,610 | -€947,024 | ▼ 29.4% |
| Amounts payable17/49 | €654,651 | €555,199 | €572,006 | €787,212 | €870,414 | ▲ 10.6% |
| Amounts payable after more than one year17 | €297,447 | €184,351 | €68,528 | €0 | - | - |
| Financial debts170/4 | - | €184,351 | €68,528 | €0 | - | - |
| Amounts payable within one year42/48 | €352,791 | €370,053 | €502,137 | €766,048 | €856,301 | ▲ 11.8% |
| Current portion of amounts payable after more than one year42 | - | €122,399 | €125,351 | €72,353 | €19,772 | ▼ 72.7% |
| Financial debts43 | - | €100,000 | €100,000 | €100,000 | €101,752 | ▲ 1.8% |
| Credit institutions430/8 | - | €100,000 | €100,000 | €100,000 | €101,752 | ▲ 1.8% |
| Trade debts44 | €136,006 | €24,542 | €145,079 | €125,736 | €92,825 | ▼ 26.2% |
| Suppliers440/4 | - | €24,542 | €145,079 | €125,736 | €92,825 | ▼ 26.2% |
| Taxes, remuneration and social security45 | - | €57,165 | €98,193 | €73,707 | €32,125 | ▼ 56.4% |
| Taxes450/3 | - | €13,856 | €22,154 | €35,415 | €32,125 | ▼ 9.3% |
| Remuneration and social security454/9 | - | €43,310 | €76,039 | €38,292 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €65,947 | €33,513 | €394,252 | €609,827 | ▲ 54.7% |
| Accrued charges and deferred income492/3 | - | €795 | €1,341 | €21,165 | €14,112 | ▼ 33.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€228,690 | -€381,730 | -€245,304 | -€106,222 | -€215,415 | ▼ 103% |
| + Depreciation and write-downs630 | €122,633 | €137,666 | €80,371 | €100,964 | €120,113 | ▲ 19.0% |
| Operating cash flow (approximation) | -€106,057 | -€244,063 | -€164,932 | -€5,258 | -€95,302 | ▼ 1,713% |
| Investment in fixed assets (approximation) | - | -€50,732 | -€108,216 | -€202,792 | -€275,000 | ▼ 35.6% |
| Change in cash | - | €196 | -€292 | -€363 | -€79 | ▲ 78.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
19-03
State Gazette act
Resignations: ICO Invest (director) and Karine Steculorum (director)Name change · Registered-office move · Purpose change11 facts ▸
State Gazette act
Resignations: ICO Invest (director) and Karine Steculorum (director)
Name change · Registered-office move · Purpose change11 facts ▸
- General meeting, 10 maart 2026
- Name change, iMatch
- Registered-office move, 2000 Antwerpen, Meir 78
- Purpose change, Het ontwikkelen, verkopen en verhuren van tools, software, apps en diensten in verband met het identificeren en in kaart brengen van mensen hun persoonlijkheids…
- Power of attorney, Notariaat Holvoet, F&T notarisvennootschap
- General meeting, 12 februari 2026
- Director resignation, ICO Invest (director)
- Director resignation, Karine Steculorum (director)
- Director discharge, ICO Invest
- Director discharge, Karine Steculorum
- Board meeting, 13 februari 2026
02-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 306 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 63 days late
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 108 days late
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
State Gazette actNBB filing
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
9 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2017
Ground area
1.1 ha
Building footprint
1.0 ha
Volume, LiDAR
15,936 m³
2 parcels, Flanders · tallest building 17.4 m, ±3 floors. Linked by address, not a title deed.
43
companies at this address
See who is registered here
1 establishment unit
Bouwensstraat 21, 2140 Antwerpen
since 20172.274.143.917
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C0320/00E000 | Flanders | 8,698 m² | 1 · 8,737 m² | - |
| 11006A0334/00T002 | Flanders | 1,953 m² | 1 · 1,697 m² | 17.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Mandate history
2 people since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Karine Steculorum |
|
| ICO Invest |
|
Structure & network
Owners and holdings
1 ownerChain of control
- UMAN360
- iMatch
Highest known parent: UMAN360. The sources do not say who stands above it.
Owners 1
- UMAN360parentSourceaccounts UMAN360 202487.5%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,629. 32,779 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded19-08-2015
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0635632189
Also
9925:BE0635632189
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.