Summary
IMTEX 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 €45k and a net result of €22k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 72% of 2435 sector peers (fiscal year 2025). The company has been active since 2004 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 check for your own amount and term
Signals
1 signal. 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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
35 d early
2023
13 d early
2022
39 d early
2021
37 d early
2020
45 d early
2019
36 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, micro schema
Equity
€45k▲ 92.2%
2024 · €24k
2018: €44k
2019: €35k
2020: €36k
2021: €32k
2022: €42k
2023: €45k
2024: €24k
2018 → 2025
Net result
€22k
2024 · €-21k
2018: €-4k
2019: €-9k
2020: €1k
2021: €-4k
2022: €10k
2023: €3k
2024: €-21k
2018 → 2025
Total assets
€62k=
2024 · €62k
2018: €75k
2019: €64k
2020: €63k
2021: €50k
2022: €83k
2023: €81k
2024: €62k
2018 → 2025
Solvency
73.0%▲ 35.0pp
2024 · 37.9%
2018: 58.8%
2019: 54.9%
2020: 58.2%
2021: 64.8%
2022: 50.4%
2023: 55.0%
2024: 37.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€42k▲ 30.4%€45k▲ 6.5%€24k▼ 47.2%€45k▲ 92.2%
Operating result€-2k-€13k€7k▼ 45.0%€-18k€28k
Net result€-4k-€10k€3k▼ 72.1%€-21k€22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €28k after a loss of €18k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€22k ▼ 21.4%
Current assets
€40k ▲ 18.0%
Equity and liabilities €62k
Equity
€45k ▲ 92.2%
Debt
€17k ▼ 56.4%
Debt's share of the balance-sheet total falls from 62.1% to 27.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
48.0%▲
2024 · -89.5%
ROA
35.0%▲
2024 · -33.9%
Debt ≤ 1 year
€16k▼
2024 · €33k
Debt > 1 year
€1k▼
2024 · €6k
Income taxes
€4k▲
2024 · €268
Staff costs
€4k▲
2024 · €4k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€62k€62k=
Fixed assets21/28€29k€22k▼
Tangible fixed assets22/27€29k€22k▼
Plant, machinery and equipment23€2k€975▼
Furniture and vehicles24€11k€8k▼
Leasing and similar rights25€16k€13k▼
Current assets29/58€34k€40k▲
Amounts receivable within one year40/41€25k€16k▼
Trade receivables40€5k-
Other amounts receivable41€21k€16k▼
Current investments50/53€0€20k▲
Cash at bank and in hand54/58€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€62k€62k=
Equity10/15€24k€45k▲
Contributions10/11€6k€6k=
Reserves13€14k€36k▲
Distributable reserves133€14k€36k▲
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€39k€17k▼
Amounts payable after more than one year17€6k€1k▼
Financial debts170/4€6k€1k▼
Amounts payable within one year42/48€33k€16k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43€3k€13▼
Credit institutions430/8€3k€13▼
Trade debts44€10k€1k▼
Suppliers440/4€10k€1k▼
Taxes, remuneration and social security45€15k€10k▼
Taxes450/3€15k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€4k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€712€270▼
Gross operating margin9900€-7k€39k▲
Operating profit (loss)9901€-18k€28k▲
Financial income75/76B€100€47▼
Recurring financial income75€100€47▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-21k€25k▲
Income taxes67/77€268€4k▲
Profit (loss) for the period9904€-21k€22k▲
Profit (loss) for the period to be appropriated9905€-21k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€25k▲
Profit (loss) brought forward from the previous period14P€24k€3k▼
Transfer to equity691/2-€22k
To other reserves6921-€22k
The notes to these accounts (5 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.56
Current ratio from 1.02 to 2.56; short-term debt falls from €33k to €16k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-21k ▼873%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tongeren-Borgloon · 1 establishment unit since 2004
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.
Graeth 73840 Tongeren-BorgloonGround area
1,249 m²
Building footprint
236 m²
Volume, LiDAR
1,764 m³
Parcel 73041A0180/00F000, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Imtex cvoa
since 20042.136.485.178
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73041A0180/00F000 | Flanders | 1,249 m² | 1 · 236 m² | 11.5 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 853 companies in sector 66210 we hold annual accounts for 511. 392 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
Founded23-02-2004
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.