IOANNA
ActiveSummary
IOANNA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €73,214 and a net result of €18,624. Equity is growing by ~28% per year across the filed fiscal years. Its solvency ranks better than 88% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability94▲+7
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 4.78 against 3.61 in 2023; short-term debt: 19.5% and cash: 26.8% of total assets), and 19.5% of the assets are financed with debt.
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Signals
Four 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-09-2025, 47 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
47 d late
2023
90 d late
2022
24 d late
2021
140 d late
2020
136 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 78 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€18,624▲ 71.4%
2023 · €10,868
Working capital
€67,086▲ 35.9%
2023 · €49,382
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€20,215€30,064▲ 48.7%€3,727▼ 87.6%€17,473▲ 369%€25,493▲ 45.9%
Net result€18,157within the sector's middle half€23,869within the sector's middle half▲ 31.5%€1,056within the sector's middle half▼ 95.6%€10,868within the sector's middle half▲ 929%€18,624within the sector's middle half▲ 71.4%
Equity€18,797below the sector's middle half▲ 2,837%€42,666below the sector's middle half▲ 127%€43,722below the sector's middle half▲ 2.5%€54,590within the sector's middle half▲ 24.9%€73,214within the sector's middle half▲ 34.1%
Total assets€34,412below the sector's middle half▲ 8.0%€57,978below the sector's middle half▲ 68.5%€63,899below the sector's middle half▲ 10.2%€73,513within the sector's middle half▲ 15.0%€90,962within the sector's middle half▲ 23.7%
Debt€15,615▼ 50.0%€15,312▼ 1.9%€20,177▲ 31.8%€18,923▼ 6.2%€17,748▼ 6.2%
Working capital€15,416within the sector's middle half€40,200within the sector's middle half▲ 161%€39,705within the sector's middle half▼ 1.2%€49,382within the sector's middle half▲ 24.4%€67,086within the sector's middle half▲ 35.9%
Solvency54.6%above the sector's middle half▲ 52.6pp73.6%above the sector's middle half▲ 19.0pp68.4%above the sector's middle half▼ 5.2pp74.3%above the sector's middle half▲ 5.8pp80.5%above the sector's middle half▲ 6.2pp
Current ratio2.22within the sector's middle half▲ 1.533.81above the sector's middle half▲ 1.602.97above the sector's middle half▼ 0.843.61above the sector's middle half▲ 0.644.78above the sector's middle half▲ 1.17
Return on assets (ROA)52.8%above the sector's middle half▲ 73.4pp41.2%above the sector's middle half▼ 11.6pp1.7%within the sector's middle half▼ 39.5pp14.8%above the sector's middle half▲ 13.1pp20.5%above the sector's middle half▲ 5.7pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 46% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €90,962
Fixed assets
€6,128 ▲ 17.7%
Current assets
€84,834 ▲ 24.2%
Equity and liabilities €90,962
Equity
€73,214 ▲ 34.1%
Debt
€17,748 ▼ 6.2%
Debt's share of the balance-sheet total falls from 25.7% to 19.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28,982▲
2023 · €19,990
Cash flow
€22,113▲
2023 · €13,385
Quick ratio
4.70▲
2023 · 3.52
Debt to equity
0.24▼
2023 · 0.35
ROE
25.4%▲
2023 · 19.9%
Interest coverage
30.22▲
2023 · 14.88
Debt ≤ 1 year
€17,748▼
2023 · €18,923
Income taxes
€5,919▲
2023 · €5,265
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €137 | €260 | €289 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,227 | €2,829 | €3,713 | €2,517 | €3,489 | ▲ 38.6% |
| Other operating charges640/8 | - | €1,361 | €703 | €1,041 | €5,639 | ▲ 442% |
| Gross operating margin9900 | €30,669 | €34,391 | €8,403 | €21,320 | €34,621 | ▲ 62.4% |
| Operating profit (loss)9901 | €20,215 | €30,064 | €3,727 | €17,473 | €25,493 | ▲ 45.9% |
| Financial income75/76B | - | €1 | €1 | €3 | €9 | ▲ 200% |
| Recurring financial income75 | €1 | €1 | €1 | €3 | €9 | ▲ 200% |
| Financial charges65/66B | - | €1,428 | €929 | €1,343 | €959 | ▼ 28.6% |
| Recurring financial charges65 | €1,691 | €1,281 | €929 | €1,343 | €959 | ▼ 28.6% |
| Non-recurring financial charges66B | - | €147 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €18,425 | €28,637 | €2,799 | €16,133 | €24,543 | ▲ 52.1% |
| Income taxes67/77 | €268 | €4,768 | €1,743 | €5,265 | €5,919 | ▲ 12.4% |
| Profit (loss) for the period9904 | €18,157 | €23,869 | €1,056 | €10,868 | €18,624 | ▲ 71.4% |
| Profit (loss) for the period to be appropriated9905 | €18,157 | €23,869 | €1,056 | €10,868 | €18,624 | ▲ 71.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €34,412 | €57,978 | €63,899 | €73,513 | €90,962 | ▲ 23.7% |
| Fixed assets21/28 | €6,310 | €3,482 | €4,017 | €5,208 | €6,128 | ▲ 17.7% |
| Tangible fixed assets22/27 | €6,175 | €3,347 | €3,882 | €5,073 | €5,993 | ▲ 18.1% |
| Plant, machinery and equipment23 | - | €1,643 | €3,882 | €5,073 | €5,178 | ▲ 2.1% |
| Furniture and vehicles24 | - | - | - | - | €815 | - |
| Leasing and similar rights25 | - | €1,704 | - | - | - | - |
| Financial fixed assets28 | €135 | €135 | €135 | €135 | €135 | = |
| Current assets29/58 | €28,102 | €54,496 | €59,882 | €68,305 | €84,834 | ▲ 24.2% |
| Stocks and contracts in progress3 | €1,442 | €775 | €3,149 | €1,693 | €1,410 | ▼ 16.7% |
| Stocks30/36 | - | €775 | €3,149 | €1,693 | €1,410 | ▼ 16.7% |
| Amounts receivable within one year40/41 | €11,807 | €29,689 | €24,730 | €30,681 | €36,765 | ▲ 19.8% |
| Other amounts receivable41 | - | €29,689 | €24,730 | €30,681 | €36,765 | ▲ 19.8% |
| Cash at bank and in hand54/58 | €14,853 | €23,809 | €31,760 | €35,388 | €24,341 | ▼ 31.2% |
| Deferred charges and accrued income490/1 | - | €223 | €243 | €543 | €22,318 | ▲ 4,010% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €34,412 | €57,978 | €63,899 | €73,513 | €90,962 | ▲ 23.7% |
| Equity10/15 | €18,797 | €42,666 | €43,722 | €54,590 | €73,214 | ▲ 34.1% |
| Contributions10/11 | - | €18,750 | €18,750 | €18,750 | €18,750 | = |
| Reserves13 | €1,875 | €23,916 | €24,972 | €35,840 | €54,464 | ▲ 52.0% |
| Non-distributable reserves130/1 | - | €1,875 | €1,875 | €1,875 | €1,875 | = |
| Reserves not available under the articles1311 | - | €1,875 | €1,875 | €1,875 | €1,875 | = |
| Distributable reserves133 | - | €22,041 | €23,097 | €33,965 | €52,589 | ▲ 54.8% |
| Profit (loss) carried forward14 | -€1,828 | - | - | - | - | - |
| Amounts payable17/49 | €15,615 | €15,312 | €20,177 | €18,923 | €17,748 | ▼ 6.2% |
| Amounts payable after more than one year17 | €2,929 | €1,016 | - | - | - | - |
| Financial debts170/4 | - | €1,016 | - | - | - | - |
| Amounts payable within one year42/48 | €12,686 | €14,296 | €20,177 | €18,923 | €17,748 | ▼ 6.2% |
| Current portion of amounts payable after more than one year42 | - | €1,913 | €1,016 | - | - | - |
| Trade debts44 | €8,920 | €7,232 | €13,790 | €12,406 | €9,390 | ▼ 24.3% |
| Suppliers440/4 | - | €7,232 | €13,790 | €12,406 | €9,390 | ▼ 24.3% |
| Advances received on contracts in progress46 | - | - | - | €1,000 | - | - |
| Taxes, remuneration and social security45 | - | €5,151 | €5,371 | €5,517 | €8,358 | ▲ 51.5% |
| Taxes450/3 | - | €5,151 | €5,371 | €5,517 | €8,358 | ▲ 51.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,157 | €23,869 | €1,056 | €10,868 | €18,624 | ▲ 71.4% |
| + Depreciation and write-downs630 | €9,227 | €2,829 | €3,713 | €2,517 | €3,489 | ▲ 38.6% |
| Operating cash flow (approximation) | €27,384 | €26,698 | €4,769 | €13,385 | €22,113 | ▲ 65.2% |
| Investment in fixed assets (approximation) | - | -€1 | -€4,248 | -€3,708 | -€4,409 | ▼ 18.9% |
| Change in cash | - | €8,956 | €7,951 | €3,628 | -€11,047 | ▼ 404% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 47 days late
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 90 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
18-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 140 days late
2021
31-12
Financial
Highest result since 2018net €23,869 ▲31.5%
Operating result €30,064, net result €23,869, both a record.
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 136 days late
2020
31-12
Financial
Back to profitnet €18,157
Net result €18,157 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.22
Current ratio from 0.69 to 2.22; short-term debt falls from €26,545 to €12,686.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet -€6,564
Net result drops to -€6,564, the lowest in the series; recovery starts the following year.
09-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 131 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Soignies · 1 establishment unit since 2002
Ground area
1,903 m²
Building footprint
248 m²
Volume, LiDAR
1,441 m³
2 parcels, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Lessines 205, 7060 Soignies
since 20022.094.552.375
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55018D1165/00G000 | Wallonia | 1,144 m² | 1 · 123 m² | 7.0 m · 2 fl. |
| 55018D1167/00F000 | Wallonia | 759 m² | 1 · 125 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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 siteSoignies2.094.552.375
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Of 3,824 companies in sector 47210 we hold annual accounts for 965. 794 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-08-2000
Fiscal year end31-12
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47789Other retail sale of new goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472586770
Also
9925:BE0472586770
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.