Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of IPCOS Group is 0.1% (very low). The 2025 annual accounts show equity of €7.76M and a net result of €54k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 92 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 6 annual accounts.
Signals
2 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 92 peers (2025). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 17-10-2025, 14 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
How we compute the deadline
The year end is derived from 6 filed financial years, each closing on 31-03. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-03-2025 | 31-10-2025 | 17-10-2025 | 14 d early | 2025-00549301 |
| 31-03-2024 | 31-10-2024 | 17-10-2024 | 14 d early | 2024-00512410 |
| 31-12-2022 | 31-07-2023 | 05-06-2023 | 56 d early | 2023-00109759 |
| 31-12-2021 | 31-07-2022 | 09-06-2022 | 52 d early | 2022-20060264 |
| 31-12-2020 | 31-07-2021 | 04-06-2021 | 57 d early | 2021-17500545 |
| 31-12-2019 | 31-07-2020 | 11-06-2020 | 50 d early | 2020-16700033 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2018, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.1%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Annual accounts: healthy financial profile
−Lower-risk legal form
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€1.83M+24.5%
EBIT margin2.9%+1.2pp
Net result€54k+82.5%
Working capital€865k+8.5%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 17-10-2025 with the NBB · fiscal year 2025 · volledig
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~21.8%/year over 6 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 96.4% | 46.9% | |
| Net result | €54k | €44k | |
| Equity | €7.76M | €91k | |
| Staff costs | €648k | €303k | |
| Employees (FTE) | 4.5 | 2.0 |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P95
Improving position over 2020-2025
· n=92-295
P60
Stable position over 2020-2025
· n=92-295
P90
Stable position over 2020-2025
· n=92-295
P61
Weakening position over 2021-2025
· n=44-147
Describes the position versus peers, not a forecast.
€1.83M
+24.5%
19-25
€65k
+56.2%
19-25
€54k
+82.5%
19-25
€65k
+41.2%
19-25
€8.06M
-0.8%
19-25
€7.76M
+0.7%
19-25
€865k
+8.5%
19-25
5
+9.8%
19-25
€648k
-4.8%
19-25
€22k
+56.6%
19-25
€292k
-28.9%
19-25
€277k
-30.3%
19-25
€4k
-41.9%
19-25
4.12
+37.1%
19-25
4.12
+37.1%
19-25
96.4%
+1.5%
19-25
0.04
-29.4%
19-25
0.7%
+81.2%
19-25
0.7%
+83.9%
19-25
2.9%
+46.5%
19-25
3.6%
+25.5%
19-25
7.86
+513.3%
19-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | volledig |
| Revenue | €1.83M |
| EBITDA | €65k |
| Net profit | €54k |
| Cash flow | €65k |
| Staff costs | €648k |
| Income taxes | €22k |
| Dividends | - |
| Total assets | €8.06M |
| Equity | €7.76M |
| Debt | €292k |
| of which ≤ 1y | €277k |
| of which > 1y | - |
| Working capital | €865k |
| Employees (FTE) | 4.5 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 4.12 |
| Quick ratio | 4.12 |
| Working capital ratio | 10.7% |
| Solvency | 96.4% |
| Debt / equity | 0.04 |
| Long-term debt ratio | - |
| Interest coverage | 7.86 |
| Gross margin | - |
| Net margin | 2.9% |
| ROA | 0.7% |
| ROE | 0.7% |
| EBITDA margin | 3.6% |
| Days sales outstanding | 89d |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €8.06M |
| Fixed assets | 21/28 | €6.91M |
| Tangible fixed assets | 22/27 | €9k |
| Financial fixed assets | 28 | €6.91M |
| Current assets | 29/58 | €1.14M |
| Amounts receivable within one year | 40/41 | €881k |
| Cash & bank | 54/58 | €206k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €8.06M |
| Equity | 10/15 | €7.76M |
| Contributions / capital | 10/11 | €5.90M |
| Reserves | 13 | €94k |
| Accumulated profits (losses) | 14 | €1.77M |
| Amounts payable | 17/49 | €292k |
| Amounts payable within one year | 42/48 | €277k |
| Trade debts payable within one year | 44 | €161k |
| Income statement | ||
| Turnover | 70 | €1.83M |
| Operating result | 9901 | €54k |
| Financial income | 75 | €32k |
| Financial charges | 65 | €10k |
| Result before taxes | 9903 | €76k |
| Income taxes | 67/77 | €22k |
| Net result for the period | 9904 | €54k |
| Result to be appropriated | 9905 | €54k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed96
/ 100
Excellent
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Directors
Directors & mandates
under verificationDirectors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (25002546). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
Current07-01-2025 → present
-
Peter Van Overschee ConsultLegal entityDirector· perm. rep.: Peter Van OverscheeState Gazette act 25002546 (07-01-2025)Current07-01-2025 → present
-
Filip Stroobant ConsultLegal entityDirector· perm. rep.: Filip StroobantState Gazette act 25002546 (07-01-2025)Current22-12-2022 → present
3 events
- 07-01-2025 Mandate renewed· Director
- 30-09-2024 Mandate renewed· Managing director
- 22-12-2022 Appointed· Managing director
Former directors (4)
-
Former22-12-2022 → 07-01-2025
2 events
- 07-01-2025 Resigned· Director
- 22-12-2022 Appointed· Director
-
Former24-09-2019 → 22-12-2022
2 events
- 22-12-2022 Resigned· Director
- 24-09-2019 Appointed· Director
-
Former- → 22-12-2022
-
PVO CONSULT BVLegal entityManaging director· perm. rep.: Peter Van OverscheeState Gazette act 23017887 (06-02-2023)Former- → 22-12-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor
2 auditors| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| BDO EXPERTS COMPTABLES & CONSEILLERS FISCAUXCurrent Statutory auditor · represented by Gert Maris |
- | 07-01-2025 → present |
| BDO Bedrijfsrevisoren CVBA Statutory auditor · represented by Gert Maris succeeded by BDO EXPERTS COMPTABLES & CONSEILLERS FISCAUX in 2025 |
- | 29-12-2021 → 07-01-2025 |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Ontwerpen van computerprogramma’s(62100) |
| Legal form | Public limited company(014) |
| Incorporation | 25-06-2018 |
| Status | Active |
| Postal code | 3001 |
Structure & network
Connections & network
5 connected companiesGroup structure
Sits on the board · 2 subsidiaries · 1 location
Control→
Sits on the board · 2 subsidiaries · 1 location
Control→
Sits on the board · 2 subsidiaries · 1 location
Control→
Network connections
Shared corporate director
→
Shared corporate director
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
3 partiesControl over this companysits on this company's board3
2 subsidiaries · 1 location
2 subsidiaries · 1 location
2 subsidiaries · 1 location
controls
IPCOS GroupBE 0698.764.640
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Geldenaaksebaan 3293001 LeuvenEstablishment units
1 locationIPCOS Group
since 20182.277.171.604
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.0 ha
Buildings1
Building footprint2,574 m²
Volume (LiDAR)18,141 m³
Tallest building10.4 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514C0024/00M004 | Flanders | 1.0 ha | 1 · 2,574 m² | 10.4 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
8 verified actsWhat every Belgian State Gazette publication actually says, each act broken down into appointments, capital movements, seat moves and statute amendments.
2026
19-02-2026
Restructuring
- Board meeting , 06/02/2026
- Merger , silent merger
- Merger , silent merger
- Accounting effect , 01/04/2026
- Corporate purpose , De vennootschap heeft tot voorwerp, voor eigen rekening en voor rekening van derden, zowel in België als in het buitenland: - de import, export en handel in com…
- Corporate purpose , De Vennootschap heeft tot voorwerp, zowel in België als in het buitenland, zowel in eigen naam en voor eigen rekening als in naam en voor rekening van derden, a…
+1 further fact
2025
07-01-2025
Resignations & appointments
- General meeting , 30/09/2024
- Board meeting , 30/09/2024
- Director resignation, Frank Schmidt (bestuurder)
- Director reappointment, Peter Van Overschee Consult BV (bestuurder)
- Permanent representative, Peter Van Overschee
- Director reappointment, FST Consult BV (bestuurder)
+5 further facts
2023
26-09-2023
Statutes amendment
- General meeting , 22 september 2023
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Power of attorney, Isabelle MOSTAERT
- Power of attorney, Bestuursorgaan
06-02-2023
Resignations & appointments
- General meeting , 22/12/2022
- Director resignation, DILKOMA BV (onafhankelijk bestuurder)
- Director resignation, EDWIN WEETINK (bestuurder)
- Director discharge, DILKOMA BV
- Director discharge, EDWIN WEETINK
- Director appointment, Frank SCHMIDT (bestuurder)
+6 further facts
2022
28-12-2022
Capital & shares · Statutes amendment · Resignations & appointments · Miscellaneous
- General meeting , 22 december 2022
- Capital increase , €4.000.000
- Purpose change , De Vennootschap heeft tot voorwerp, zowel in België als in het buitenland, zowel in eigen naam en voor eigen rekening als in naam en voor rekening van derden, a…
- Corporate purpose , De Vennootschap heeft tot voorwerp, zowel in België als in het buitenland, zowel in eigen naam en voor eigen rekening als in naam en voor rekening van derden, a…
- Statutes amendment
- Capital , €5.900.000
2021
29-12-2021
Resignations & appointments
- General meeting , 10/05/2021
- Auditor appointment, BDO Bedrijfsrevisoren CVBA (commissaris)
- Permanent representative, Gert Maris
2019
24-09-2019
Resignations & appointments
- General meeting , 02/09/2019
- Director appointment, DILKOMA bvba (onafhankelijke bestuurder)
- Permanent representative, John Dejaeger
2018
27-06-2018
Incorporation
- Incorporation , 25 juni 2018
- Founder, Peter Van Overschee Consult
- Founder, DenX
- Founder, EWMC Beheer B.V.
- Founder, Filip Stroobant Consult
- Founding capital , €1.900.000
+10 further facts
Analysis
Snowflake analysis
financial profile on 5 axes77
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
96
Profitability
20
Solvency
100
Growth
68
Stability
100
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Company registry
Company registry (CBE)
Crossroads BankActivities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Computerconsultancy-activiteiten62020Overige diensten op het gebied van informatietechnologie en computer62090Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Overige diensten op het gebied van informatietechnologie en computer62900Holdings64200Activiteiten van holdings64210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | IPCOS Group |
Registered office
Geldenaaksebaan 329
3001 Leuven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.