IONOVO
ActiveIONOVO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €354k and a net result of €72k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 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
Profitability91▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 8.17 against 5.23 in 2024; short-term debt: 11.4% and cash: 60.4% of total assets), and 11.5% 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 · 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
88.5%
Return on assets
18.1%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
30 d late
2023
37 d early
2022
24 d early
2021
48 d early
2020
87 d early
2019
14 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€354k▲ 25.7%
2024 · €282k
2018: €132k
2019: €140k
2020: €144k
2021: €164k
2022: €225k
2023: €225k
2024: €282k
2018 → 2025
Total assets
€400k▲ 13.9%
2024 · €351k
2018: €180k
2019: €170k
2020: €233k
2021: €281k
2022: €351k
2023: €360k
2024: €351k
2018 → 2025
Net result
€72k▲ 27.1%
2024 · €57k
2018: €37k
2019: €8k
2020: €54k
2021: €39k
2022: €60k
2023: €37k
2024: €57k
2018 → 2025
Working capital
€328k▲ 31.6%
2024 · €249k
2018: €124k
2019: €137k
2020: €144k
2021: €151k
2022: €185k
2023: €188k
2024: €249k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€164k-€225k▲ 36.7%€225k=€282k▲ 25.4%€354k▲ 25.7%
Operating result€52k-€87k▲ 67.8%€56k▼ 36.4%€84k▲ 51.3%€101k▲ 20.2%
Net result€39k-€60k▲ 54.6%€37k▼ 38.4%€57k▲ 53.1%€72k▲ 27.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400k
Fixed assets
€27k▼ 38.5%
Current assets
€374k▲ 21.3%
Equity and liabilities €400k
Equity
€354k▲ 25.7%
Debt
€46k▼ 33.9%
The debt ratio falls from 19.8% to 11.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€113k▲
2024 · €108k
Cash flow
€84k▲
2024 · €81k
Solvency
88.5%▲
2024 · 80.2%
Current ratio
8.17▲
2024 · 5.23
Quick ratio
8.17▲
2024 · 5.23
Debt / equity
0.13▼
2024 · 0.25
ROE
20.4%▲
2024 · 20.2%
ROA
18.1%▲
2024 · 16.2%
Interest coverage
155.88▲
2024 · 93.82
Debt
€46k▼
2024 · €70k
Debt ≤ 1 year
€46k▼
2024 · €59k
Debt > 1 year
€0▼
2024 · €10k
Income taxes
€30k▲
2024 · €26k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€351k€400k▲
Fixed assets21/28€44k€27k▼
Tangible fixed assets22/27€44k€27k▼
Plant, machinery and equipment23€1k€10k▲
Furniture and vehicles24€42k€17k▼
Current assets29/58€308k€374k▲
Amounts receivable within one year40/41€43k€18k▼
Trade receivables40€39k€17k▼
Other amounts receivable41€4k€929▼
Current investments50/53€107k€110k▲
Cash at bank and in hand54/58€153k€242k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€351k€400k▲
Equity10/15€282k€354k▲
Contributions10/11€6k€6k=
Reserves13€258k€330k▲
Distributable reserves133€258k€330k▲
Profit (loss) carried forward14€18k€18k=
Amounts payable17/49€70k€46k▼
Amounts payable after more than one year17€10k€0▼
Financial debts170/4€10k€0▼
Amounts payable within one year42/48€59k€46k▼
Current portion of amounts payable after more than one year42€19k€10k▼
Trade debts44€10k€13k▲
Suppliers440/4€10k€13k▲
Taxes, remuneration and social security45€30k€22k▼
Taxes450/3€30k€22k▼
Accrued charges and deferred income492/3€256€256=
Income statement
Code20242025
Non-recurring operating income76A-€20k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€12k▼
Other operating charges640/8€957€2k▲
Gross operating margin9900€109k€115k▲
Operating profit (loss)9901€84k€101k▲
Financial income75/76B€346€2k▲
Recurring financial income75€346€2k▲
Financial charges65/66B€1k€725▼
Recurring financial charges65€1k€725▼
Profit (loss) for the period before taxes9903€83k€103k▲
Income taxes67/77€26k€30k▲
Profit (loss) for the period9904€57k€72k▲
Profit (loss) for the period to be appropriated9905€57k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€75k€90k▲
Profit (loss) brought forward from the previous period14P€18k€18k=
Transfer to equity691/2€57k€72k▲
To other reserves6921€57k€72k▲
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €72k ▲27.1%
Operating result €101k, net result €72k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €225k ▲36.7%
5 profitable years in a row build equity to €225k.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €164k ▲14%
4 profitable years in a row build equity to €164k.
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Weakest financial yearnet €8k ▼78.6%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
20-06
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.
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, Temse · 1 establishment unit since 2008
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.
Negenoogstraat 49140 TemseGround area
1,014 m²
Building footprint
110 m²
Volume, LiDAR
555 m³
Parcel 46023C1188/00Y000, Flanders · tallest building 9.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IONOVO
since 20082.173.096.740
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46023C1188/00Y000 | Flanders | 1,014 m² | 1 · 110 m² | 9.2 m · 1 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
699400S3PGRJLPK1DZ80
Similar companies · same sector, comparable size
GROUPALIA FINANCES
BE 0885.852.993
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BIZZMINDS
BE 0810.604.155
Tremelo · Eq €354k
SINERGIO
BE 0864.993.342
Buggenhout · Eq €354k
EULOGIC
BE 0454.296.134
Welkenraedt · Eq €354k
SORMI
BE 0834.281.558
Orp-Jauche · Eq €355k
Of 16,874 companies in sector 62100 we hold annual accounts for 8,779. 5,978 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2008
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
77110Renting and leasing of cars and light motor vehicles
77393Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.