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IOKEM FREDDY

Active
Private limited companyfounded 2005active for 21 yearsRue des Bégonias(BU) 82, 5004 Namur, BelgiumKBO/BCE: BE 0873.327.424
Summary

IOKEM FREDDY has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,127 and a net result of €2,404. Equity has been growing by about 12% per year since 2018. Its solvency ranks better than 85% of 20,678 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 20-04-2005 Normal situation
Activity
Psychology services NACE 86931
Establishment unit
2.276.359.475 5004 Namur, since 28-02-2018
Financial year end
31 December
Peppol
Reachable since 17-03-2026

Board and ownership

Board

Financial position

94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€10,282
▼ 13.5%
Turnover
≈ €65,000
estimated
Profit
€2,404
▼ 33.1%
Equity
€33,127
▼ 18.7%
Total assets
€36,441
▼ 12.1%
  • 2025 accounts filed 88 days after the deadline
Filed on 27-10-2026
Score breakdownraises riskLast filed accounts filed 88 days late; 1 of the last 3 accounts latelowers riskSector: Human health activities (NACE 86)Liquidity: current ratio 7.09, cash €22,088Equity €33,127 (90.9% of total assets)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 55% of micro companies in human health (NACE 86)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 90.9% of total assets
Liquidity 100+7
short-term debt 9.1% · cash 60.6%
Profitability 77-3
return on assets 6.6%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (24,160 companies, NACE 86, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026highest value 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.09 (32.25 in 2024), above the usual 1.5. Short-term debt is 9.1% and cash 60.6% of total assets. 9.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 82% of them on solvency, 95% on liquidity, 21% on profitability and 22% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Human health activities (NACE 86)
KBO
raises risk · Last filed accounts filed 88 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 7.09, cash €22,088
NBB · annual accounts
lowers risk · Equity €33,127 (90.9% of total assets)
NBB · annual accounts
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-10-2026, 88 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
88 days late
2024
31 days early
2023
67 days early
2022
64 days early
2021
63 days early
2020
70 days early
2019
69 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 39 days before the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 May (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 89% of companies in human healthsector median €60,139 · 20,665 companies €2,404 View
  • Positive: 7 profitable years in a rowprofit 2025: €2,404 7 years View

Recent changes

  1. · Gazette deed Change of role: IOKEM Freddy Marie Gabriel Ghislain, from manager to director
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as IOKEM FREDDY: psychology services (NACE 86931). They are comparable in size and age: total assets between €24,700 and €61,000, founded between 2002 and 2012.

CompanyTotal assetsGross margin
IOKEM FREDDY Namur€36,441€10,282
DD-NET Antwerpen€61,022€7,407
Autrique Antwerpen€34,211€6,449
PSYPUNT Gent€59,512€8,757
C4YOU Harelbeke€57,159€21,405
KHEIRON Landen€24,735€20,428
BLT Bree€27,198€4,405
Full comparison

Key facts about IOKEM FREDDY

What is the company number of IOKEM FREDDY?
The company number of IOKEM FREDDY is 0873.327.424. The VAT number is the same number with BE in front: BE 0873.327.424.
Where is IOKEM FREDDY based?
The registered office is at Rue des Bégonias(BU) 82, 5004 Namur.Company details
What does IOKEM FREDDY do?
According to the KBO register, the main activity is psychology services (NACE 86931).
What is the legal form of IOKEM FREDDY?
The legal form of IOKEM FREDDY is Private limited company (BV).
When was IOKEM FREDDY founded?
IOKEM FREDDY was founded on 20-04-2005.
Is IOKEM FREDDY still active?
Yes, IOKEM FREDDY is an active enterprise in the KBO register.
What is the turnover of IOKEM FREDDY?
The turnover in financial year 2025 is ≈ €65,000. This figure is estimated from the gross margin of €10,282 and 41 comparable companies (NACE 869). It probably lies between €41,000 and €110,000. It is a rough estimate.Financials
Is IOKEM FREDDY profitable?
In financial year 2025, IOKEM FREDDY made a profit of €2,404.
Where can I find the annual accounts of IOKEM FREDDY?
IOKEM FREDDY filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of IOKEM FREDDY due?
IOKEM FREDDY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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