IP-mobile is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €700,011 and a net result of €428,011. Equity is growing by about 4.3% per year across the filed financial years. Its solvency ranks better than 56% of 604 sector peers (NACE 66, financial year 2025). The company has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals.
Auditor: Deloitte Bedrijfsrevisoren/Réviseurs d’Entreprises2025 accounts 37 days early4 of 12 deeds summarised
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Checked score
A figure from 0 to 100: the higher it is, the smaller the chance that the company goes bankrupt within twelve months. The band, from Critical to Excellent, follows from that chance; within the band, how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
Bankruptcy probability
The chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. 0.2% means about 2 in 1,000 comparable companies. The higher it is, the shorter the payment term to agree.
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 30 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% 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 June (5 of the last 5 filed years within 30 days of that day).
2021 to 2025, 5 financial years2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 34% below 2024 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.6m2025Net result€0.4m2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.4m2025Equity€0.7m2025Debt€0.7m2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.5m2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)29.7%2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency48.6%2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.712025
Average staff in full-time equivalents (FTE).
Staff (FTE)5.42025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
Net result€0.2m-€0.4m▲ 151%€0.5mabove the sector's middle half▲ 24.8%€0.5mabove the sector's middle half▼ 2.5%€0.6mabove the sector's middle half▲ 16.7%€0.5mabove the sector's middle half▼ 14.3%€0.6mabove the sector's middle half▲ 35.3%€0.4mabove the sector's middle half▼ 33.8%
Equity€0.5m-€0.9m▲ 84.6%€0.1mwithin the sector's middle half▼ 84.5%€0.6mwithin the sector's middle half▲ 361%€0.7mwithin the sector's middle half▲ 9.5%€0.7mwithin the sector's middle half▲ 4.2%€0.7mwithin the sector's middle half▲ 0.9%€0.7mwithin the sector's middle half▼ 0.3%
Total assets€0.9m-€1.5m▲ 59.7%€1.8mabove the sector's middle half▲ 20.7%€1.3mwithin the sector's middle half▼ 27.3%€1.5mwithin the sector's middle half▲ 14.1%€1.5mwithin the sector's middle half▲ 4.1%€1.8mwithin the sector's middle half▲ 14.8%€1.4mwithin the sector's middle half▼ 18.3%
Working capital€0.4m-€0.8m▲ 71.7%€0.07mwithin the sector's middle half▼ 90.6%€0.6mabove the sector's middle half▲ 679%€0.7mabove the sector's middle half▲ 19.5%€0.6mabove the sector's middle half▼ 5.1%€0.6mabove the sector's middle half▼ 7.4%€0.5mwithin the sector's middle half▼ 9.9%
Solvency50.3%-58.1%▲ 7.8pp7.4%below the sector's middle half▼ 50.7pp47.1%within the sector's middle half▲ 39.7pp45.2%within the sector's middle half▼ 1.9pp45.2%within the sector's middle half=39.8%within the sector's middle half▼ 5.5pp48.6%within the sector's middle half▲ 8.8pp
Current ratio2.39-2.25▼ 0.151.04within the sector's middle half▼ 1.201.82within the sector's middle half▲ 0.771.86within the sector's middle half▲ 0.041.75within the sector's middle half▼ 0.111.55within the sector's middle half▼ 0.201.71within the sector's middle half▲ 0.16
Return on assets (ROA)16.9%-26.6%▲ 9.7pp27.5%above the sector's middle half▲ 0.9pp36.9%above the sector's middle half▲ 9.4pp37.8%above the sector's middle half▲ 0.9pp31.1%above the sector's middle half▼ 6.7pp36.6%above the sector's middle half▲ 5.5pp29.7%above the sector's middle half▼ 6.9pp
Staff (FTE)2.2-1.8▼ 18.2%5.3within the sector's middle half▲ 194%5within the sector's middle half▼ 5.7%5.8within the sector's middle half▲ 16.0%6.5above the sector's middle half▲ 12.1%5.4within the sector's middle half▼ 16.9%5.4within the sector's middle half=
abovewithinbelowthe middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
12%
88.1%
Fixed assets€171,228 ▲ 48.4%
Current assets€1.3m ▼ 23.0%
Equity and liabilities €1.4m
48.6%
51.4%
Equity€700,011 ▼ 0.3%
Debt€741,429 ▼ 30.3%
Debt's share of the balance-sheet total falls from 60.2% to 51.4%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
ROE
61.1%▼
2024 · 92.1%
Debt ≤ 1 year
€741,429▼
2024 · €1.1m
Income taxes
€146,389▼
2024 · €219,816
Staff costs
€370,886▲
2024 · €330,860
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accountsAs filed with the NBB · 2025 against 2024 · 49 lines
Balance sheetCode20242025
Assets
Total assets20/58€1.8m€1.4m▼
Fixed assets21/28€0.1m€0.2m▲
Tangible fixed assets22/27€0.1m€0.2m▲
Plant, machinery and equipment23€0.003m€0.01m▲
Furniture and vehicles24€0.1m€0.1m▲
Financial fixed assets28€0.01m€0.01m▲
Current assets29/58€1.6m€1.3m▼
Stocks and contracts in progress3€0.3m€0.3m▼
Stocks30/36€0.3m€0.3m▼
Amounts receivable within one year40/41€0.6m€0.6m▲
Trade receivables40€0.5m€0.6m▲
Other amounts receivable41€0.04m€0.05m▲
Cash at bank and in hand54/58€0.7m€0.3m▼
Deferred charges and accrued income490/1€0.02m€0.03m▲
Equity and liabilities
Total equity and liabilities10/49€1.8m€1.4m▼
Equity10/15€0.7m€0.7m▼
Contributions10/11€0.1m€0.1m=
Capital10€0.1m€0.1m=
Issued capital100€0.1m€0.1m=
Reserves13€0.01m€0.01m=
Non-distributable reserves130/1€0.01m€0.01m=
Legal reserve130€0.01m€0.01m=
Profit (loss) carried forward14€0.6m€0.6m▼
Amounts payable17/49€1.1m€0.7m▼
Amounts payable within one year42/48€1.1m€0.7m▼
Trade debts44€0.4m€0.3m▼
Suppliers440/4€0.4m€0.3m▼
Taxes, remuneration and social security45€0.05m€0.04m▼
Taxes450/3€0.02m-
Remuneration and social security454/9€0.03m€0.04m▲
Other amounts payable47/48€0.6m€0.4m▼
Income statementCode20242025
Remuneration, social security and pensions62€0.3m€0.4m▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.03m€0.03m▲
Other operating charges640/8€0.004m€0.004m▼
Gross operating margin9900€1.2m€1.0m▼
Operating profit (loss)9901€0.9m€0.6m▼
Financial income75/76B€34€49▲
Recurring financial income75€34€49▲
Financial charges65/66B€0.005m€0.005m▼
Recurring financial charges65€0.005m€0.005m▼
Profit (loss) for the period before taxes9903€0.9m€0.6m▼
Income taxes67/77€0.2m€0.1m▼
Profit (loss) for the period9904€0.6m€0.4m▼
Profit (loss) for the period to be appropriated9905€0.6m€0.4m▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.2m€1.0m▼
Profit (loss) brought forward from the previous period14P€0.6m€0.6m▲
Profit to be distributed694/7€0.6m€0.4m▼
Return on contributions (dividend)694€0.6m€0.4m▼
Social balance sheet
Average headcount (FTE)90875.45.4=
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Line
2018
2019
2020
2021
2022
2023
2024
2025
Change
Non-recurring operating income76A
-
-
-
€0.05m
-
-
-
-
-
Remuneration, social security and pensions62
-
-
-
€0.3m
€0.3m
€0.4m
€0.3m
€0.4m
▲ 12.1%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630
€0.07m
€0.07m
€0.08m
€0.04m
€0.02m
€0.01m
€0.03m
€0.03m
▲ 1.9%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4
-
-
-
-€0.02m
-
-
-
-
-
Other operating charges640/8
-
-
-
€0.003m
€0.004m
€0.004m
€0.004m
€0.004m
▼ 7.5%
Gross operating margin9900
€0.5m
€0.8m
€1.2m
€1.0m
€1.1m
€1.0m
€1.2m
€1.0m
▼ 20.5%
Operating profit (loss)9901
€0.2m
€0.6m
€0.7m
€0.6m
€0.8m
€0.6m
€0.9m
€0.6m
▼ 33.6%
Financial income75/76B
-
-
-
€0
€0.001m
€17
€34
€49
▲ 42.2%
Recurring financial income75
€0.003m
-
€0.006m
€0
€0.001m
€17
€34
€49
▲ 42.2%
Financial charges65/66B
-
-
-
€0.004m
€0.003m
€0.005m
€0.005m
€0.005m
▼ 15.2%
Recurring financial charges65
€0.003m
€0.002m
€0.004m
€0.004m
€0.003m
€0.005m
€0.005m
€0.005m
▼ 15.2%
Profit (loss) for the period before taxes9903
€0.2m
€0.6m
€0.7m
€0.6m
€0.7m
€0.6m
€0.9m
€0.6m
▼ 33.7%
Income taxes67/77
€0.07m
€0.2m
€0.2m
€0.2m
€0.2m
€0.2m
€0.2m
€0.1m
▼ 33.4%
Profit (loss) for the period9904
€0.2m
€0.4m
€0.5m
€0.5m
€0.6m
€0.5m
€0.6m
€0.4m
▼ 33.8%
Profit (loss) for the period to be appropriated9905
€0.2m
€0.4m
€0.5m
€0.5m
€0.6m
€0.5m
€0.6m
€0.4m
▼ 33.8%
Line
2018
2019
2020
2021
2022
2023
2024
2025
Change
Assets
Total assets20/58
€0.9m
€1.5m
€1.8m
€1.3m
€1.5m
€1.5m
€1.8m
€1.4m
▼ 18.3%
Fixed assets21/28
€0.2m
€0.09m
€0.07m
€0.05m
€0.03m
€0.06m
€0.1m
€0.2m
▲ 48.4%
Intangible fixed assets21
€0.2m
€0.09m
€0.02m
-
-
-
-
-
-
Tangible fixed assets22/27
€0.001m
€0.006m
€0.04m
€0.03m
€0.01m
€0.05m
€0.1m
€0.2m
▲ 53.2%
Plant, machinery and equipment23
-
-
-
€0.02m
€0.004m
€0.004m
€0.003m
€0.01m
▲ 401%
Furniture and vehicles24
-
-
-
€0.01m
€0.01m
€0.05m
€0.1m
€0.1m
▲ 43.6%
Financial fixed assets28
-
-
€0.005m
€0.02m
€0.02m
€0.01m
€0.01m
€0.01m
▲ 0.2%
Current assets29/58
€0.8m
€1.4m
€1.7m
€1.2m
€1.4m
€1.5m
€1.6m
€1.3m
▼ 23.0%
Stocks and contracts in progress3
€0.02m
€0.01m
€0.2m
€0.1m
€0.4m
€0.8m
€0.3m
€0.3m
▼ 11.4%
Stocks30/36
-
-
-
€0.1m
€0.4m
€0.8m
€0.3m
€0.3m
▼ 11.4%
Amounts receivable within one year40/41
€0.5m
€1.2m
€0.7m
€0.9m
€0.4m
€0.4m
€0.6m
€0.6m
▲ 11.5%
Trade receivables40
-
-
-
€0.9m
€0.4m
€0.3m
€0.5m
€0.6m
▲ 11.0%
Other amounts receivable41
-
-
-
€0.004m
€0.03m
€0.06m
€0.04m
€0.05m
▲ 17.5%
Cash at bank and in hand54/58
€0.1m
€0.1m
€0.8m
€0.2m
€0.6m
€0.3m
€0.7m
€0.3m
▼ 56.5%
Deferred charges and accrued income490/1
-
-
-
€0.03m
€0.04m
€0.02m
€0.02m
€0.03m
▲ 55.3%
Equity and liabilities
Total equity and liabilities10/49
€0.9m
€1.5m
€1.8m
€1.3m
€1.5m
€1.5m
€1.8m
€1.4m
▼ 18.3%
Equity10/15
€0.5m
€0.9m
€0.1m
€0.6m
€0.7m
€0.7m
€0.7m
€0.7m
▼ 0.3%
Contributions10/11
€0.1m
€0.1m
€0.1m
€0.1m
€0.1m
€0.1m
€0.1m
€0.1m
=
Capital10
-
-
-
€0.1m
€0.1m
€0.1m
€0.1m
€0.1m
=
Issued capital100
-
-
-
€0.1m
€0.1m
€0.1m
€0.1m
€0.1m
=
Reserves13
€0.01m
€0.01m
€0.01m
€0.01m
€0.01m
€0.01m
€0.01m
€0.01m
=
Non-distributable reserves130/1
-
-
-
€0.01m
€0.01m
€0.01m
€0.01m
€0.01m
=
Legal reserve130
-
-
-
€0.01m
€0.01m
€0.01m
€0.01m
€0.01m
=
Profit (loss) carried forward14
€0.4m
€0.7m
€0.02m
€0.5m
€0.6m
€0.6m
€0.6m
€0.6m
▼ 0.3%
Amounts payable17/49
€0.5m
€0.6m
€1.6m
€0.7m
€0.8m
€0.8m
€1.1m
€0.7m
▼ 30.3%
Amounts payable within one year42/48
€0.3m
€0.6m
€1.6m
€0.7m
€0.8m
€0.8m
€1.1m
€0.7m
▼ 30.3%
Trade debts44
€0.2m
€0.5m
€0.3m
€0.3m
€0.2m
€0.4m
€0.4m
€0.3m
▼ 26.6%
Suppliers440/4
-
-
-
€0.3m
€0.2m
€0.4m
€0.4m
€0.3m
▼ 26.6%
Taxes, remuneration and social security45
-
-
-
€0.04m
€0.04m
€0.04m
€0.05m
€0.04m
▼ 25.3%
Taxes450/3
-
-
-
€0.001m
€0.008m
-
€0.02m
-
-
Remuneration and social security454/9
-
-
-
€0.04m
€0.03m
€0.04m
€0.03m
€0.04m
▲ 18.2%
Other amounts payable47/48
-
-
-
€0.3m
€0.5m
€0.5m
€0.6m
€0.4m
▼ 32.8%
Accrued charges and deferred income492/3
-
-
-
-
€0.03m
-
-
-
-
Line
2018
2019
2020
2021
2022
2023
2024
2025
Change
Profit (loss) for the period9904
€156,554
€392,760
€490,218
€477,776
€557,723
€477,721
€646,327
€428,011
▼ 33.8%
+ Depreciation and write-downs630
€71,591
€68,982
€80,498
€39,584
€19,298
€10,362
€27,112
€27,640
▲ 1.9%
Operating cash flow (approximation)
€228,145
€461,742
€570,715
€517,361
€577,021
€488,083
€673,439
€455,650
▼ 32.3%
Investment in fixed assets (approximation)
-
-€6,143
-€52,609
-€24,742
€1,102
-€41,437
-€80,476
-€83,498
▼ 3.8%
Change in cash
-
€4,923
€706,806
-€618,841
€343,698
-€306,279
€480,595
-€415,967
-
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Of the 1,467 active companies whose main activity is other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199), figures are known for 928. 568 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
Directors
Who runs the company today and since when, grouped the way the KBO groups its office holders. Many recent board changes are a reason to keep a close eye.
under verification, last change in 2024
This board is reconstructed from a single act (24171311). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Not every act has been read: a resignation may still be missing
8 of this company's 12 Belgian Official Gazette deeds have not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.
Mandate history
Mandate history
Who held which function and when, per person: one bar per period, from appointment to resignation or to today. An open left edge means the mandate began before the oldest act we hold.
According to the 2025 annual accounts of IP-mobile and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it.
The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Capital and shareholders
Capital and shareholders
When capital was put in or taken out. An increase often strengthens the company; a reduction deserves a look.
Capital over the years
08-03-2024Capital stated in the deed · €100,000 · 100,000 shares
The company's story in a few sentences, from the company register, the Belgian Official Gazette and the filed annual accounts. Each number opens the document the sentence rests on.
IP-mobile was incorporated on 4 April 2014.1Total assets rose from €924,126 in 2018 to €1.4m in 2025 and headcount from 2.2 to 5.4 full-time equivalents.2
FinancialHighest result from 2018 to 2025net €646,327 ▲35.3%
Operating result €871,597, net result €646,327, both a record.
04-12
Gazette deedResignation: Henricus Smulders (director)
Reappointments: Indigo Infra Belgium NV (director) and Amavia Services BV (director) · Permanent representatives: Thomas Bimson, Philippe Vranckx and Jimmy Smulders · Appointment: Jimmy Smulders Beheer B.V. (director)8 facts ▸
General meeting, 17-06-2024
Director resignation, Henricus Smulders (director)
Director reappointment, Indigo Infra Belgium NV (director)
Permanent representative, Thomas Bimson
Director reappointment, Amavia Services BV (director)
Permanent representative, Philippe Vranckx
Director appointment, Jimmy Smulders Beheer B.V. (director)
Permanent representative, Jimmy Smulders
27-06
NBB filingAnnual accounts filed
financial year 2023 · abbreviated format
08-03
Gazette deedAmendment of the articles
Capital · Power of attorney8 facts ▸
General meeting, 27-12-2023
Amendment of the articles (2 times)
Other provision, “TITEL I:NAAM-ZETEL-VOORWERP-DUUR” (deed in Dutch)
Other provision, “TITEL II:KAPITAAL-AANDELEN-OBLIGATIES” (deed in Dutch)
Capital, €100,000
Other provision, “TITEL III:EFFECTEN” (deed in Dutch)
A profit in every financial year since 2018 builds equity to €857,235.
12-07
NBB filingAnnual accounts filed
financial year 2018 · abbreviated format
27-02
NBB filingAnnual accounts filed
financial year 2017 · abbreviated format · 211 days late
2017
12-07
NBB filingAnnual accounts filed
financial year 2016 · abbreviated format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 11 annual accounts filed, the latest 10 are here; all 11 are under Financials.
4 of 12 deeds read
About the unread acts
Of the 12 Belgian Official Gazette deeds we know for this company, 4 have been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.
Nieuwlandlaan 111, 3200 AarschotOther activities auxiliary to financial services, excluding insurance and pension funding
since 2014unit no. 2.247.445.755
1 parcel
Flanders1(100%)
Cadastral parcel
Region
Area
Buildings
Height / floors
24662F0084/00V000
Flanders
1.3 ha
1 · 5,798 m²
7.3 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
What the company does
PurposeThe activities the company may carry out under its articles.
“Het aanbieden van een digitaal platform voor mobiel betalen,en dit in de breedst mogelijke zin; Het wederverkopen van parkingbeheersystemen…” (deed in Dutch)
3 activities (deed in Dutch)
Het aanbieden van een digitaal platform voor mobiel betalen,en dit in de breedst mogelijke zin.
Het wederverkopen van parkingbeheersystemen.
Het wederverkopen van systemen voor controle op parkeren met beperkte duur.