IPM INTERIEUR
ActiveSummary
IPM INTERIEUR has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209,269 and a net result of €61,092. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 7900 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▲+92
Solvency89=
Growth85▲+17
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 2.54 against 2.54 in 2024; short-term debt: 35.9% and cash: 23.2% of total assets), and 35.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
64.1%
Return on assets
18.7%
Age of the figures
9 mo
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
13 d early
2023
20 d early
2022
98 d late
2021
116 d late
2020
172 d late
2019
279 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 88 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, abbreviated schema
Turnover
€808,652▲ 49.5%
2020 · €541,008
EBIT margin
4.5%▼ 5.7pp
2020 · 10.2%
Net result
€61,092
2024 · -€60,691
Working capital
€181,116▼ 12.1%
2024 · €206,082
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€808,652▲ 49.5%
Operating result€36,038▼ 34.7%€8,591▼ 76.2%€48,009▲ 459%-€28,499€71,912
Net result€36,038above the sector's middle half▼ 36.4%€8,591within the sector's middle half▼ 76.2%€48,009above the sector's middle half▲ 459%-€60,691below the sector's middle half€61,092within the sector's middle half
EBIT margin4.5%▼ 5.7pp
Equity€242,273above the sector's middle half▲ 17.5%€250,864above the sector's middle half▲ 3.5%€298,873above the sector's middle half▲ 19.1%€238,182above the sector's middle half▼ 20.3%€209,269within the sector's middle half▼ 12.1%
Total assets€434,902above the sector's middle half▲ 37.4%€357,482above the sector's middle half▼ 17.8%€391,332above the sector's middle half▲ 9.5%€374,260above the sector's middle half▼ 4.4%€326,577within the sector's middle half▼ 12.7%
Debt€192,629▲ 74.7%€106,618▼ 44.7%€92,459▼ 13.3%€136,078▲ 47.2%€117,308▼ 13.8%
Working capital€234,693▲ 22.6%€241,133▲ 2.7%€299,653▲ 24.3%€206,082▼ 31.2%€181,116▼ 12.1%
Solvency55.7%within the sector's middle half▼ 9.5pp70.2%above the sector's middle half▲ 14.5pp76.4%above the sector's middle half▲ 6.2pp63.6%within the sector's middle half▼ 12.7pp64.1%within the sector's middle half▲ 0.4pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €71,912 after a loss of €28,499 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326,577
Fixed assets
€28,153 ▼ 18.9%
Current assets
€298,424 ▼ 12.1%
Equity and liabilities €326,577
Equity
€209,269 ▼ 12.1%
Debt
€117,308 ▼ 13.8%
Debt's share of the balance-sheet total falls from 36.4% to 35.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€78,488
Cash flow
€67,668
Current ratio
2.54=
2024 · 2.54
Debt to equity
0.56▼
2024 · 0.57
ROE
29.2%▲
2024 · -25.5%
ROA
18.7%▲
2024 · -16.2%
Interest coverage
50.64
Debt ≤ 1 year
€117,308▼
2024 · €133,449
Income taxes
€12,050▼
2024 · €32,582
Staff costs
€59,701▲
2024 · €33,806
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €808,652 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €717,001 | €850,626 | €1.0m | €666,548 | €576,944 | ▼ 13.4% |
| Remuneration, social security and pensions62 | €36,166 | €33,847 | €66,015 | €33,806 | €59,701 | ▲ 76.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,320 | - | €10,511 | - | €6,576 | - |
| Other operating charges640/8 | €127 | €1,862 | €1,801 | €4,160 | €1,011 | ▼ 75.7% |
| Gross operating margin9900 | €91,651 | €44,300 | €126,336 | €9,467 | €139,200 | ▲ 1,370% |
| Operating profit (loss)9901 | €36,038 | €8,591 | €48,009 | -€28,499 | €71,912 | ▲ 352% |
| Financial income75/76B | - | - | - | €604 | €2,780 | ▲ 360% |
| Recurring financial income75 | - | - | - | €604 | €1,545 | ▲ 156% |
| Non-recurring financial income76B | - | - | - | - | €1,235 | - |
| Financial charges65/66B | - | - | - | €214 | €1,550 | ▲ 624% |
| Recurring financial charges65 | - | - | - | €214 | €1,550 | ▲ 624% |
| Profit (loss) for the period before taxes9903 | €36,038 | €8,591 | €48,009 | -€28,109 | €73,142 | ▲ 360% |
| Income taxes67/77 | - | - | - | €32,582 | €12,050 | ▼ 63.0% |
| Profit (loss) for the period9904 | €36,038 | €8,591 | €48,009 | -€60,691 | €61,092 | ▲ 201% |
| Profit (loss) for the period to be appropriated9905 | €36,038 | €8,591 | €48,009 | -€60,691 | €61,092 | ▲ 201% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €434,902 | €357,482 | €391,332 | €374,260 | €326,577 | ▼ 12.7% |
| Fixed assets21/28 | €12,360 | €12,360 | €1,849 | €34,729 | €28,153 | ▼ 18.9% |
| Tangible fixed assets22/27 | €12,360 | €12,360 | €1,849 | €34,729 | €28,153 | ▼ 18.9% |
| Plant, machinery and equipment23 | €2,958 | €2,958 | €1,849 | €1,849 | €1,849 | = |
| Furniture and vehicles24 | €9,402 | €9,402 | - | €32,880 | €26,304 | ▼ 20.0% |
| Current assets29/58 | €422,542 | €345,122 | €389,483 | €339,531 | €298,424 | ▼ 12.1% |
| Amounts receivable within one year40/41 | €381,770 | €304,804 | €271,763 | €144,062 | €222,564 | ▲ 54.5% |
| Trade receivables40 | €244,363 | €124,699 | €101,669 | €96,014 | €178,664 | ▲ 86.1% |
| Other amounts receivable41 | €137,407 | €180,105 | €170,094 | €48,048 | €43,900 | ▼ 8.6% |
| Cash at bank and in hand54/58 | €40,772 | €40,318 | €117,720 | €195,469 | €75,860 | ▼ 61.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €434,902 | €357,482 | €391,332 | €374,260 | €326,577 | ▼ 12.7% |
| Equity10/15 | €242,273 | €250,864 | €298,873 | €238,182 | €209,269 | ▼ 12.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Uncalled capital101 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €12,385 | €12,385 | €12,385 | €12,385 | €12,385 | = |
| Non-distributable reserves130/1 | €12,385 | €12,385 | €12,385 | €12,385 | €12,385 | = |
| Legal reserve130 | €12,385 | €12,385 | €621 | €621 | €621 | = |
| Other1319 | - | - | €11,764 | €11,764 | €11,764 | = |
| Profit (loss) carried forward14 | €223,688 | €232,279 | €280,288 | €219,597 | €190,684 | ▼ 13.2% |
| Amounts payable17/49 | €192,629 | €106,618 | €92,459 | €136,078 | €117,308 | ▼ 13.8% |
| Amounts payable after more than one year17 | €4,780 | €2,629 | €2,629 | €2,629 | - | - |
| Financial debts170/4 | €4,780 | €2,629 | €2,629 | €2,629 | - | - |
| Amounts payable within one year42/48 | €187,849 | €103,989 | €89,830 | €133,449 | €117,308 | ▼ 12.1% |
| Current portion of amounts payable after more than one year42 | €2,278 | €2,149 | €1,713 | €1,713 | €318 | ▼ 81.4% |
| Trade debts44 | €69,301 | €47,950 | €29,530 | €65,489 | €31,917 | ▼ 51.3% |
| Suppliers440/4 | €69,301 | €47,950 | €29,530 | €65,489 | €31,917 | ▼ 51.3% |
| Taxes, remuneration and social security45 | €67,270 | €4,890 | €9,587 | €17,247 | €31,073 | ▲ 80.2% |
| Taxes450/3 | - | - | - | - | €31,073 | - |
| Remuneration and social security454/9 | €67,270 | €4,890 | €9,587 | €17,247 | - | - |
| Other amounts payable47/48 | €49,000 | €49,000 | €49,000 | €49,000 | €54,000 | ▲ 10.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36,038 | €8,591 | €48,009 | -€60,691 | €61,092 | ▲ 201% |
| + Depreciation and write-downs630 | €19,320 | - | €10,511 | - | €6,576 | - |
| Operating cash flow (approximation) | €55,358 | €8,591 | €58,520 | -€60,691 | €67,668 | ▲ 211% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€32,880 | €0 | ▲ 100% |
| Change in cash | - | -€454 | €77,402 | €77,749 | -€119,609 | ▼ 254% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €61,092
Net result €61,092 after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€60,691
Net result drops to -€60,691, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 98 days late
2022
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 116 days late
19-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 172 days late
2021
06-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 279 days late
2020
31-12
Financial
Equity above €200,000Eq €206,236 ▲18.2%
3 profitable years in a row build equity to €206,236.
2019
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 132 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Anderlecht · 1 establishment unit since 2007
Ground area
973 m²
Building footprint
418 m²
Volume, LiDAR
17,368 m³
2 parcels, Brussels · tallest building 52.2 m, ±16 floors. Linked by address, not a title deed.
143
companies at this address
See who is registered here
1 establishment unit
-
since 20072.163.263.118
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0298/00G000 | Brussels | 797 m² | 1 · 333 m² | 52.2 m · 16 fl. |
| 21013B0077/00S005 | Brussels | 177 m² | 1 · 84 m² | 19.8 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,366 companies in sector 43110 we hold annual accounts for 635. 490 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-04-2007
Fiscal year end31-12
Activities, NACEBEL 2025
43110Demolition
43350Other building finishing work
43320Joinery installation
43332Laying of wooden floor and wall coverings
43341Painting of buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0888740427
Also
9925:BE0888740427
Registered
14-11-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.