INTEGRATED BUSINESS SOFTWARE SERVICES
ActiveINTEGRATED BUSINESS SOFTWARE SERVICES has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €301k and a net result of €116k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 34% of 160 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability94▲+9
Solvency77▼-23
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 4.23 in 2025; short-term debt: 47.5% and cash: 79.4% of total assets), and 47.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
52.5%
Return on assets
20.3%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 15-07-2026, 108 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
108 d early
2025
125 d early
2024
86 d early
2023
134 d early
2022
146 d early
2021
18 d early
2020
66 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€301k▼ 30.2%
2025 · €432k
2019: €502k
2020: €508k
2021: €421k
2022: €430k
2023: €449k
2024: €436k
2025: €432k
2019 → 2026
Total assets
€574k▲ 2.2%
2025 · €562k
2019: €545k
2020: €596k
2021: €624k
2022: €512k
2023: €527k
2024: €536k
2025: €562k
2019 → 2026
Net result
€116k▲ 8.9%
2025 · €107k
2019: €84k
2020: €59k
2021: €92k
2022: €75k
2023: €80k
2024: €72k
2025: €107k
2019 → 2026
Working capital
€299k▼ 28.9%
2025 · €420k
2019: €483k
2020: €490k
2021: €350k
2022: €378k
2023: €417k
2024: €413k
2025: €420k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€430k-€449k▲ 4.3%€436k▼ 2.7%€432k▼ 1.0%€301k▼ 30.2%
Operating result€87k-€97k▲ 10.9%€107k▲ 10.3%€111k▲ 3.6%€127k▲ 14.6%
Net result€75k-€80k▲ 7.8%€72k▼ 10.8%€107k▲ 48.9%€116k▲ 8.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2026 is 15% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €574k
Fixed assets
€3k▼ 77.6%
Current assets
€572k▲ 3.9%
Equity and liabilities €574k
Equity
€301k▼ 30.2%
Debt
€273k▲ 110%
The debt ratio rises from 23.1% to 47.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€137k▲
2025 · €122k
Cash flow
€127k▲
2025 · €118k
Solvency
52.5%▼
2025 · 76.9%
Current ratio
2.09▼
2025 · 4.23
Quick ratio
2.09▼
2025 · 4.23
Debt / equity
0.91▲
2025 · 0.30
ROE
38.6%▲
2025 · 24.7%
ROA
20.3%▲
2025 · 19.0%
Interest coverage
11.23▲
2025 · -174.61
Debt
€273k▲
2025 · €130k
Debt ≤ 1 year
€273k▲
2025 · €130k
Income taxes
€53k▲
2025 · €44k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€562k€574k▲
Fixed assets21/28€12k€3k▼
Tangible fixed assets22/27€12k€3k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€12k€1k▼
Current assets29/58€550k€572k▲
Amounts receivable within one year40/41€66k€68k▲
Trade receivables40€65k€68k▲
Other amounts receivable41€703-
Current investments50/53€158k€48k▼
Cash at bank and in hand54/58€325k€456k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€562k€574k▲
Equity10/15€432k€301k▼
Contributions10/11€6k€6k=
Reserves13€426k€295k▼
Distributable reserves133€426k€295k▼
Amounts payable17/49€130k€273k▲
Amounts payable within one year42/48€130k€273k▲
Trade debts44€1k€114▼
Suppliers440/4€1k€114▼
Taxes, remuneration and social security45€36k€35k▼
Taxes450/3€33k€33k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€93k€237k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€127k€144k▲
Operating profit (loss)9901€111k€127k▲
Financial income75/76B€39k€55k▲
Recurring financial income75€39k€55k▲
Financial charges65/66B€-699€12k▲
Recurring financial charges65€-699€12k▲
Profit (loss) for the period before taxes9903€150k€169k▲
Income taxes67/77€44k€53k▲
Profit (loss) for the period9904€107k€116k▲
Profit (loss) for the period to be appropriated9905€107k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€107k€116k▲
Transfer from equity791/2€111k€247k▲
Transfer to equity691/2€107k€116k▲
To other reserves6921€107k€116k▲
Profit to be distributed694/7€111k€247k▲
Return on contributions (dividend)694€111k€247k▲
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 2027, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Highest result since 2019net €116k ▲8.9%
Operating result €127k, net result €116k, both a record.
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 5.64
Current ratio from 2.74 to 5.64; short-term debt falls from €202k to €81k.
2021
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
05-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 66 days late
2020
31-03
Financial
Weakest financial yearnet €59k ▼29.6%
Net result drops to €59k, the lowest in the series; recovery starts the following year.
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
09-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Assenede · 1 establishment unit since 2002
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.
Kloosterlandstraat 229968 AssenedeGround area
793 m²
Building footprint
159 m²
Volume, LiDAR
898 m³
Parcel 43003B0740/00D000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kloosterlandstraat 22, 9968 Assenede
since 20022.114.860.415
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43003B0740/00D000 | Flanders | 793 m² | 1 · 159 m² | 9.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600MJIETJXL7G0797
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ANAKODE
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DSB
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FRAGMATIX
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 6,171 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2000
Fiscal year end31-03
Abbreviation NL
I.B.S.S.
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.