IMPAVIDUS HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.64M and a net result of €2.62M. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 8018 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
21 d early
2023
20 d late
2022
24 d early
2021
25 d early
2020
5 d early
2019
9 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.64M▲ 23,945%
2024 · €11k
2019: €6k
2020: €8k
2021: €6k
2022: €2k
2023: €346
2024: €11k
2019 → 2025
Net result
€2.62M▲ 2,098%
2024 · €119k
2019: €-7k
2020: €2k
2021: €-1k
2022: €-4k
2023: €-2k
2024: €119k
2019 → 2025
Total assets
€2.64M▲ 20,848%
2024 · €13k
2019: €14k
2020: €11k
2021: €9k
2022: €11k
2023: €9k
2024: €13k
2019 → 2025
Solvency
100.0%▲ 12.9pp
2024 · 87.1%
2019: 40.6%
2020: 71.3%
2021: 66.9%
2022: 23.2%
2023: 3.9%
2024: 87.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€2k▼ 61.0%€346▼ 86.0%€11k▲ 3,065%€2.64M▲ 23,945%
Operating result€-1k-€-4k▼ 173%€-2k▲ 45.9%€15k€19k▲ 26.6%
Net result€-1k-€-4k▼ 167%€-2k▲ 45.1%€119k€2.62M▲ 2,098%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.64M
Fixed assets
€31k▲ 316%
Current assets
€2.61M▲ 51,025%
Equity and liabilities €2.64M
Equity
€2.64M▲ 23,945%
Debt
€864▼ 46.8%
The debt ratio falls from 12.9% to 0.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
100.0%▲
2024 · 87.1%
ROE
99.6%
ROA
99.6%▼
2024 · 948.9%
Debt
€864▼
2024 · €2k
Debt ≤ 1 year
€864▼
2024 · €2k
Income taxes
€7k▲
2024 · €875
A ratio outside any meaningful range has been withheld (balance sheet total €2.64M, equity €2.64M).
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€13k€2.64M▲
Fixed assets21/28€7k€31k▲
Tangible fixed assets22/27-€31k
Furniture and vehicles24-€31k
Financial fixed assets28€7k€0▼
Current assets29/58€5k€2.61M▲
Amounts receivable within one year40/41€3k€1.12M▲
Trade receivables40-€14k
Other amounts receivable41€3k€1.11M▲
Cash at bank and in hand54/58€2k€1.48M▲
Deferred charges and accrued income490/1-€984
Equity and liabilities
Total equity and liabilities10/49€13k€2.64M▲
Equity10/15€11k€2.64M▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-8k€2.62M▲
Amounts payable17/49€2k€864▼
Amounts payable within one year42/48€2k€864▼
Trade debts44€749€864▲
Suppliers440/4€749€864▲
Taxes, remuneration and social security45€875€0▼
Taxes450/3€875€0▼
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€3k
Other operating charges640/8€505€444▼
Gross operating margin9900€16k€23k▲
Operating profit (loss)9901€15k€19k▲
Financial income75/76B€105k€2.61M▲
Recurring financial income75€105k€3k▼
Non-recurring financial income76B-€2.61M
Financial charges65/66B€44€49▲
Recurring financial charges65€44€49▲
Profit (loss) for the period before taxes9903€120k€2.63M▲
Income taxes67/77€875€7k▲
Profit (loss) for the period9904€119k€2.62M▲
Profit (loss) for the period to be appropriated9905€119k€2.62M▲
Appropriation of the result
Profit (loss) to be appropriated9906€107k€2.62M▲
Profit (loss) brought forward from the previous period14P€-12k€-8k▲
Profit to be distributed694/7€115k€0▼
Return on contributions (dividend)694€115k€0▼
The notes to these accounts (9 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €2.62M ▲2098%
Operating result €19k, net result €2.62M, both a record.
31-12
Financial
Liquidity times 961current ratio 3015.99
Current ratio from 3.14 to 3015.99; short-term debt falls from €2k to €864.
31-12
Financial
Equity above €2MEq €2.64M ▲23945%
2 profitable years in a row build equity to €2.64M.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €119k
Net result €119k after 3 loss-making years.
31-12
Financial
Liquidity times 54current ratio 3.14
Current ratio from 0.06 to 3.14; short-term debt falls from €8k to €2k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brecht · 1 establishment unit since 2018
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.
Zandstraat 162960 BrechtGround area
772 m²
Building footprint
93 m²
Parcel 11042A0071/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
IMPAVIDUS HOLDING
since 20182.283.015.556
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11042A0071/00D000 | Flanders | 772 m² | 1 · 93 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
699400AETMF7VE2H4102
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 10,082 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.