Interpersonal Dynamics Optimizer
ActiveSummary
Interpersonal Dynamics Optimizer has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €9k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+4
Solvency95▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.35 against 2.26 in 2024; short-term debt: 29.9% and cash: 9.1% of total assets), and 29.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.1%
Return on assets
19.4%
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
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
9 d early
2023
15 d early
2022
12 d early
2021
11 d early
2020
10 d early
2019
11 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
€33k▼ 9.3%
2024 · €36k
2018: €12k
2019: €12k
2020: €13k
2021: €20k
2022: €22k
2023: €28k
2024: €36k
2018 → 2025
Total assets
€47k▼ 7.7%
2024 · €51k
2018: €18k
2019: €15k
2020: €49k
2021: €56k
2022: €47k
2023: €45k
2024: €51k
2018 → 2025
Net result
€9k▲ 9.4%
2024 · €8k
2018: €97
2019: €177
2020: €643
2021: €7k
2022: €1k
2023: €6k
2024: €8k
2018 → 2025
Working capital
€19k▲ 2.4%
2024 · €18k
2018: €6k
2019: €8k
2020: €854
2021: €31k
2022: €-3k
2023: €4k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€22k▲ 5.9%€28k▲ 28.5%€36k▲ 29.7%€33k▼ 9.3%
Operating result€13k-€4k▼ 66.9%€11k▲ 172%€15k▲ 29.8%€15k▼ 1.2%
Net result€7k-€1k▼ 83.7%€6k▲ 414%€8k▲ 33.9%€9k▲ 9.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€14k ▼ 21.3%
Current assets
€33k ▼ 0.4%
Equity and liabilities €47k
Equity
€33k ▼ 9.3%
Debt
€14k ▼ 3.8%
Debt's share of the balance-sheet total rises from 28.7% to 29.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€24k▲
2024 · €23k
Cash flow
€18k▲
2024 · €17k
Current ratio
2.35▲
2024 · 2.26
Debt to equity
0.43▲
2024 · 0.40
ROE
27.6%▲
2024 · 22.9%
ROA
19.4%▲
2024 · 16.3%
Interest coverage
209.41▲
2024 · 86.92
Debt ≤ 1 year
€14k▼
2024 · €15k
Income taxes
€7k▲
2024 · €6k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€51k€47k▼
Fixed assets21/28€18k€14k▼
Tangible fixed assets22/27€18k€14k▼
Plant, machinery and equipment23€2k€5k▲
Furniture and vehicles24€15k€8k▼
Other tangible fixed assets26€824€533▼
Current assets29/58€33k€33k▼
Amounts receivable after more than one year29-€26k
Other amounts receivable291-€26k
Amounts receivable within one year40/41€29k€1k▼
Trade receivables40€29k€1k▼
Other amounts receivable41€61€61=
Cash at bank and in hand54/58€4k€4k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€51k€47k▼
Equity10/15€36k€33k▼
Contributions10/11€12k-
Reserves13€24k€33k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€22k€33k▲
Amounts payable17/49€15k€14k▼
Amounts payable within one year42/48€15k€14k▼
Current portion of amounts payable after more than one year42€2k-
Trade debts44€528€441▼
Suppliers440/4€528€441▼
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€12k€13k▲
Other amounts payable47/48-€293
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€26k€27k▲
Operating profit (loss)9901€15k€15k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€266€114▼
Recurring financial charges65€266€114▼
Profit (loss) for the period before taxes9903€14k€16k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€8k€9k▲
Profit (loss) for the period to be appropriated9905€8k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€9k▲
Transfer to equity691/2€8k€9k▲
To other reserves6921€8k€9k▲
The notes to these accounts (4 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €9k ▲9.4%
Net result €9k, the highest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 2.75
Current ratio from 1.08 to 2.75.
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Aalst · 1 establishment unit since 2013
Ground area
604 m²
Building footprint
181 m²
Volume, LiDAR
1,163 m³
Parcel 41047B0057/00V002, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nieuwerkerken-Dorp 65, 9320 Aalst
since 20132.222.894.560
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41047B0057/00V002 | Flanders | 604 m² | 1 · 181 m² | 10.8 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.
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Of 5,524 companies in sector 86931 we hold annual accounts for 550. 441 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
Founded26-09-2013
Fiscal year end31-12
Abbreviation NL
ID-O2
Activities, NACEBEL 2025
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.