INGO
ActiveINGO has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €239k and a net result of €-21k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 9039 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability12▼-88
Solvency87▲+12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 18.07 against 8.1 in 2023; short-term debt: 2.8% and cash: 14.8% of total assets), and 38% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
62%
Return on assets
-5.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 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
not confirmed
2024
20 d late
2023
20 d late
2022
23 d late
2021
39 d early
2020
19 d late
2019
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€239k▼ 8.2%
2023 · €260k
2018: €105k
2019: €95k
2020: €92k
2021: €105k
2022: €85k
2023: €260k
2018 → 2024
Total assets
€385k▼ 26.1%
2023 · €521k
2018: €566k
2019: €448k
2020: €380k
2021: €322k
2022: €306k
2023: €521k
2018 → 2024
Net result
€-21k
2023 · €175k
2018: €-10k
2019: €-10k
2020: €-10k
2021: €13k
2022: €-19k
2023: €175k
2018 → 2024
Working capital
€182k▼ 36.5%
2023 · €286k
2018: €126k
2019: €128k
2020: €109k
2021: €-9k
2022: €-20k
2023: €286k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€92k-€105k▲ 13.7%€85k▼ 18.5%€260k▲ 205%€239k▼ 8.2%
Operating result€-15k-€5k€-13k€241k€-22k
Net result€-10k-€13k€-19k€175k€-21k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €22k after €241k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €385k
Fixed assets
€192k▼ 0.9%
Current assets
€192k▼ 41.1%
Equity and liabilities €385k
Equity
€239k▼ 8.2%
Provisions
€55k=
Debt
€91k▼ 55.8%
The debt ratio falls from 39.4% to 23.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-20k▼
2023 · €243k
Cash flow
€-20k▼
2023 · €176k
Solvency
62.0%▲
2023 · 49.9%
Current ratio
18.07▲
2023 · 8.10
Quick ratio
9.12▲
2023 · 8.10
Debt / equity
0.38▼
2023 · 0.79
ROE
-9.0%▼
2023 · 67.2%
ROA
-5.6%▼
2023 · 33.5%
Interest coverage
-178.56▼
2023 · 24.31
Debt
€91k▼
2023 · €205k
Debt ≤ 1 year
€11k▼
2023 · €40k
Debt > 1 year
€80k▼
2023 · €155k
Income taxes
€355▼
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€521k€385k▼
Fixed assets21/28€194k€192k▼
Tangible fixed assets22/27€194k€192k▼
Land and buildings22€194k€192k▼
Financial fixed assets28€135€135=
Current assets29/58€326k€192k▼
Stocks and contracts in progress3-€95k
Stocks30/36-€95k
Amounts receivable within one year40/41€41k€40k▼
Trade receivables40€1k€0▼
Other amounts receivable41€39k€40k▲
Current investments50/53€48€0▼
Cash at bank and in hand54/58€284k€57k▼
Deferred charges and accrued income490/1€2k€137▼
Equity and liabilities
Total equity and liabilities10/49€521k€385k▼
Equity10/15€260k€239k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€198k€196k▼
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Tax-exempt reserves132€166k€166k=
Distributable reserves133€28k€26k▼
Profit (loss) carried forward14-€-19k
Provisions and deferred taxes16€55k€55k=
Deferred taxes168€55k€55k=
Amounts payable17/49€205k€91k▼
Amounts payable after more than one year17€155k€80k▼
Financial debts170/4€155k€80k▼
Amounts payable within one year42/48€40k€11k▼
Trade debts44€2k€685▼
Suppliers440/4€2k€685▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€2k€355▼
Taxes450/3€2k€355▼
Other amounts payable47/48€36k€10k▼
Accrued charges and deferred income492/3€10k€130▼
Income statement
Code20232024
Non-recurring operating income76A€259k€500▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€5k€7k▲
Gross operating margin9900€248k€-13k▼
Operating profit (loss)9901€241k€-22k▼
Financial income75/76B€757€781▲
Recurring financial income75€757€781▲
Financial charges65/66B€10k€112▼
Recurring financial charges65€10k€112▼
Profit (loss) for the period before taxes9903€232k€-21k▼
Transfer to deferred taxes680€55k€0▼
Income taxes67/77€2k€355▼
Profit (loss) for the period9904€175k€-21k▼
Transfer to tax-exempt reserves689€166k€0▼
Profit (loss) for the period to be appropriated9905€9k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-21k▼
Transfer from equity791/2€0€2k▲
Transfer to equity691/2€9k€0▼
To other reserves6921€9k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
31-12
Financial
Weakest financial yearnet €-21k ▼112%
Net result drops to €-21k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 18.07
Current ratio from 8.10 to 18.07; short-term debt falls from €40k to €11k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
31-12
Financial
Back to profitnet €175k
Net result €175k after one loss-making year.
31-12
Financial
Liquidity times 12current ratio 8.10
Current ratio from 0.67 to 8.10; short-term debt falls from €59k to €40k.
31-12
Financial
Equity above €200kEq €260k ▲205%
Equity rises from €85k to €260k.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €105k ▲13.7%
Equity rises from €92k to €105k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Bree · 1 establishment unit since 1994
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.
Itterbeekstraat 153960 BreeGround area
787 m²
Building footprint
220 m²
Volume, LiDAR
1,354 m³
Parcel 72027B0400/00R000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Itterbeekstraat 15, 3960 Bree
since 19942.065.631.529
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72027B0400/00R000 | Flanders | 787 m² | 1 · 220 m² | 8.7 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.
Similar companies · same sector, comparable size
NIALCO
BE 0438.388.431
Wavre · Eq €239k
JOOSSENS SANITAIR
BE 0417.717.830
Sint-Niklaas · Eq €238k
JANSSEN
BE 0414.637.980
Kinrooi · Eq €240k
HOME CHAMPION
BE 0449.216.995
Ninove · Eq €237k
Doneux Materiaux
BE 0460.881.939
Hannut · Eq €240k
Of 1,803 companies in sector 46831 we hold annual accounts for 1,397. 978 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-02-1994
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
51532
26700Manufacture of computer, electronic and optical products
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 31 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.