IMPECQ
ActiveSummary
IMPECQ has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-101k) and a net result of €-87k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-42
Solvency7▼-16
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.02 against 1.09 in 2024; short-term debt: 74% and cash: 12% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2025Solvency, return and age of the figures
Solvency
-17.5%
Return on assets
-15.1%
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-101k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 10 filingsDeviation from the deadline
2025
14 d late
2024
29 d late
2023
30 d late
2022
4 d early
2021
26 d early
2020
10 d early
2019
1 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-87k▼ 301%
2024 · €-22k
2018: €59k
2019: €51k
2020: €119k
2021: €24k
2022: €-41k
2023: €-46k
2024: €-22k
2018 → 2025
Working capital
€8k▼ 80.8%
2024 · €42k
2018: €-132k
2019: €-142k
2020: €-63k
2021: €-83k
2022: €-119k
2023: €-101k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€53k▼ 43.7%€8k▼ 85.9%€-14k€-101k▼ 613%
Operating result€56k-€-22k€-15k▲ 29.3%€-2k▲ 89.0%€-53k▼ 3,079%
Net result€24k-€-41k€-46k▼ 10.7%€-22k▲ 52.7%€-87k▼ 301%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €53k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €577k
Fixed assets
€142k ▼ 28.7%
Current assets
€435k ▼ 14.2%
Key figures and ratios
EBITDA
€2k▼
2024 · €58k
Cash flow
€-31k▼
2024 · €37k
Solvency
-17.5%▼
2024 · -2.0%
Current ratio
1.02▼
2024 · 1.09
Quick ratio
0.35▼
2024 · 0.39
Debt / equity
-6.70▲
2024 · -50.74
ROA
-15.1%▼
2024 · -3.1%
Interest coverage
0.12▼
2024 · 3.39
Debt
€678k▼
2024 · €720k
Debt ≤ 1 year
€427k▼
2024 · €465k
Debt > 1 year
€184k▼
2024 · €184k
Income taxes
€74▲
2024 · €17
Staff costs
€209k▼
2024 · €242k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€706k€577k▼
Fixed assets21/28€199k€142k▼
Tangible fixed assets22/27€184k€131k▼
Land and buildings22€142k€98k▼
Plant, machinery and equipment23€22k€15k▼
Furniture and vehicles24€20k€17k▼
Financial fixed assets28€15k€11k▼
Current assets29/58€507k€435k▼
Stocks and contracts in progress3€324k€286k▼
Stocks30/36€324k€286k▼
Amounts receivable within one year40/41€61k€75k▲
Trade receivables40€14k€15k▲
Other amounts receivable41€48k€60k▲
Cash at bank and in hand54/58€118k€69k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€706k€577k▼
Equity10/15€-14k€-101k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€10k€10k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€8k€8k=
Profit (loss) carried forward14€-86k€-173k▼
Amounts payable17/49€720k€678k▼
Amounts payable after more than one year17€184k€184k▼
Financial debts170/4€54k€41k▼
Other amounts payable178/9€130k€143k▲
Amounts payable within one year42/48€465k€427k▼
Current portion of amounts payable after more than one year42€16k€13k▼
Financial debts43€53k€53k=
Credit institutions430/8€53k€53k=
Trade debts44€353k€338k▼
Suppliers440/4€353k€338k▼
Taxes, remuneration and social security45€44k€24k▼
Taxes450/3€38€1k▲
Remuneration and social security454/9€44k€22k▼
Accrued charges and deferred income492/3€71k€67k▼
Income statement
Code20242025
Non-recurring operating income76A€4k€29k▲
Remuneration, social security and pensions62€242k€209k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€56k▼
Other operating charges640/8€22k€42k▲
Non-recurring operating charges66A€623€755▲
Gross operating margin9900€323k€254k▼
Operating profit (loss)9901€-2k€-53k▼
Financial income75/76B€1k€4k▲
Recurring financial income75€1k€4k▲
Financial charges65/66B€21k€37k▲
Recurring financial charges65€17k€21k▲
Non-recurring financial charges66B€4k€17k▲
Profit (loss) for the period before taxes9903€-22k€-87k▼
Income taxes67/77€17€74▲
Profit (loss) for the period9904€-22k€-87k▼
Profit (loss) for the period to be appropriated9905€-22k€-87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-86k€-173k▼
Profit (loss) brought forward from the previous period14P€-65k€-86k▼
Social balance
Average headcount (FTE)90878.17.1▼
The notes to these accounts (27 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 14 days late
2025
31-12
Financial
Weakest financial yearnet €-87k
Net result drops to €-87k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €119k ▲131%
Operating result €186k, net result €119k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 3 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Pecq · 1 establishment unit since 2008
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.
Avenue des Combattants(PEC) 117740 PecqGround area
360 m²
Building footprint
44 m²
Volume, LiDAR
370 m³
Parcel 57062B0392/00W003, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
INTERMARCHE
since 20082.166.972.278
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57062B0392/00W003indicative | Wallonia | 360 m² | 1 · 44 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
Food safety, FASFC
1 sitePecq2.166.972.278
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 3,134 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-11-2007
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
52114
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.