IOwnFleet
ActiveIOwnFleet has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €184k and a net result of €50k. Equity is growing by ~44.8% per year across the filed fiscal years. Its solvency ranks better than 40% of 37976 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
86
/ 100
Excellent▼ -3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency82▲+11
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.45 in 2023), but 52.9% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 30-09-2025, 61 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
1 d early
2022
3 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€184k▲ 15.3%
2023 · €160k
2022: €41k
2023: €160k
2022 → 2024
Total assets
€391k▼ 3.2%
2023 · €404k
2022: €100k
2023: €404k
2022 → 2024
Net result
€50k▼ 68.0%
2023 · €155k
2022: €51k
2023: €155k
2022 → 2024
Working capital
€114k▲ 33.7%
2023 · €85k
2022: €35k
2023: €85k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€41k-€160k▲ 289%€184k▲ 15.3%
Operating result€63k-€226k▲ 257%€69k▼ 69.4%
Net result€51k-€155k▲ 206%€50k▼ 68.0%
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 2024; 2024 is 69% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €391k
Fixed assets
€72k▼ 45.2%
Current assets
€319k▲ 17.0%
Equity and liabilities €391k
Equity
€184k▲ 15.3%
Debt
€207k▼ 15.3%
The debt ratio falls from 60.4% to 52.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€88k▼
2023 · €245k
Cash flow
€68k▼
2023 · €174k
Solvency
47.1%▲
2023 · 39.6%
Current ratio
1.56▲
2023 · 1.45
Quick ratio
1.56▲
2023 · 1.45
Debt / equity
1.12▼
2023 · 1.53
ROE
26.9%▼
2023 · 96.9%
ROA
12.7%▼
2023 · 38.3%
Interest coverage
20.15▼
2023 · 100.09
Debt
€207k▼
2023 · €244k
Debt ≤ 1 year
€205k▲
2023 · €187k
Debt > 1 year
€0▼
2023 · €57k
Income taxes
€15k▼
2023 · €68k
Staff costs
€69k▲
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€404k€391k▼
Fixed assets21/28€131k€72k▼
Intangible fixed assets21€3k€3k▼
Tangible fixed assets22/27€128k€69k▼
Furniture and vehicles24€108k€28k▼
Other tangible fixed assets26€21k€41k▲
Current assets29/58€273k€319k▲
Amounts receivable within one year40/41€64k€198k▲
Trade receivables40€64k€197k▲
Other amounts receivable41€1€2k▲
Cash at bank and in hand54/58€204k€111k▼
Deferred charges and accrued income490/1€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€404k€391k▼
Equity10/15€160k€184k▲
Contributions10/11€5k€5k=
Reserves13€155k€155k=
Distributable reserves133€155k€155k=
Profit (loss) carried forward14€0€25k▲
Amounts payable17/49€244k€207k▼
Amounts payable after more than one year17€57k€0▼
Financial debts170/4€57k€0▼
Amounts payable within one year42/48€187k€205k▲
Current portion of amounts payable after more than one year42€15k€0▼
Trade debts44€42k€106k▲
Suppliers440/4€42k€106k▲
Taxes, remuneration and social security45€85k€74k▼
Taxes450/3€83k€67k▼
Remuneration and social security454/9€2k€7k▲
Other amounts payable47/48€46k€25k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20232024
Remuneration, social security and pensions62€16k€69k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Other operating charges640/8€3k€8k▲
Non-recurring operating charges66A-€19k
Gross operating margin9900€265k€183k▼
Operating profit (loss)9901€226k€69k▼
Financial income75/76B€33€58▲
Recurring financial income75€33€58▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€223k€65k▼
Income taxes67/77€68k€15k▼
Profit (loss) for the period9904€155k€50k▼
Profit (loss) for the period to be appropriated9905€155k€50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€191k€50k▼
Profit (loss) brought forward from the previous period14P€36k€0▼
Transfer to equity691/2€155k€0▼
To other reserves6921€155k€0▼
Profit to be distributed694/7€36k€25k▼
Return on contributions (dividend)694€36k€25k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €50k ▼68%
Net result drops to €50k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €155k ▲206%
Operating result €226k, net result €155k, both a record.
31-12
Financial
Equity above €150kEq €160k ▲289%
2 profitable years in a row build equity to €160k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Trooz · 2 establishment units since 2022
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.
Rue Biche les Prés 124870 TroozGround area
9,677 m²
Building footprint
4,186 m²
Volume, LiDAR
76,404 m³
2 parcels, Wallonia · tallest building 29.5 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
IOFleet SRL
since 20222.339.522.412
Quai Banning 6, 4000 Liège
since 20262.387.038.455
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0447/00E000 | Wallonia | 6,847 m² | 1 · 4,033 m² | 29.5 m · 7 fl. |
| 62040E0167/00F004 | Wallonia | 2,830 m² | 1 · 153 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BUILD. ING
BE 0632.897.284
Dilbeek · Eq €184k
SNA
BE 1009.982.113
Elsene · Eq €184k
LDW MANAGEMENT
BE 0798.391.360
Temse · Eq €184k
FSD
BE 0821.957.907
Haacht · Eq €184k
MCAL Consulting
BE 0741.913.903
Ukkel · Eq €184k
Of 82,190 companies in sector 70200 we hold annual accounts for 52,402. 40,446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2022
Fiscal year end31-12
Abbreviation FR
IOFleet
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
45112
45192
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.