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IPON

Active
Public limited companyfounded 198343 yrs activeKapelanielaan 9 C, 9140 Temse, BelgiumKBO/BCE: BE 0425.474.563
Summary

IPON has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27.2m and a net result of €1.5m. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 10466 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
IPONActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Real estate agency activities
NACE 68310Real estate development NACE 41101Development of residential building projects NACE 68121
#4 company by total assets in Temse, Real estate sector1 site
Size
€43.5mtotal assets 2025
Staff
3.1 FTE
Equity
€27.2m
Profit
€1.5m
Turnover not published (abridged schema)
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Parent
JCS- INVEST · 96%
Accounts 1 d early0 of 13 deeds read
Why 95- Liquidity: current ratio 4.00, cash €2.9m+ Size: 3.1 FTE, total assets €43.5m+ Founded in 1983+ Equity €27.2m (62.6% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 88-3
equity 62.6% of total assets
Liquidity 54+3
short-term debt 17.5% · cash 6.6%
Profitability 61-10
return on assets 3.6%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%▲ +4.4% vs 11-2024 01-2025: 0.1%▲ +57.7% vs 12-2024highest value 02-2025: < 0.1%▼ -57.1% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%▲ +2.1% vs 09-2025 11-2025: 0.1%▲ +2.0% vs 10-2025 12-2025: 0.1%▲ +6.0% vs 11-2025 01-2026: 0.1%▲ +50.9% vs 12-2025 02-2026: < 0.1%▼ -43.8% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%● 0.0% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%▼ -2.2% vs 08-2026lowest value 10-2026: < 0.1%▲ +2.3% vs 09-2026
  • Size: 3.1 FTE, total assets €43.5m lowers the probability for this profile
  • Founded in 1983 lowers the probability for this profile
  • Equity €27.2m (62.6% of total assets) lowers the probability
  • Liquidity: current ratio 4.00, cash €2.9m raises the probability
Credit up to €2,550,000 at 30 days acceptable
Liquidity ample (current ratio 4.0 against 4.15 in 2024; short-term debt: 17.5% and cash: 6.6% of total assets), and 37.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 73%, liquidity 63%, profitability 49%, growth against the median 58%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: 3.1 FTE, total assets €43.5m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1983
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €27.2m (62.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 4.00, cash €2.9m
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
1 d early
2023
15 d early
2022
21 d early
2021
21 d late
2020
3 d early
2019
11 d early
← 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 4 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 30 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close03-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Equity above €25mEq €26.0m ▲8.4%

Key points

  • Positive: Among the best 5% on net resultsector median €10,430 · 10,455 companies €1.5m View
  • Caution: Result fell in 2025from €2.5m to €1.5m ▼ 39.1% View
  • Controlled by JCS- INVEST 96% View
  • Positive: 7 profitable years in a rowprofit 2025: €1.5m 7 years View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

By topic

Financials

Fiscal year
2025
Total assets
€43.5m
Profit
€1.5m
Solvency
62.6%
Total assets▲ 10.2%
Net result
20192025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-01-2027
  1. 30-01-2026Annual accounts filed
  2. 30-01-2025Annual accounts filed
  3. 30-06-2024Equity above €25m
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Real estate agency activitiesNACE 68310
Founded
01-10-1983
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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