Summary
iPROMACO 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 €75,003 and a net result of €56,226. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 32% of 8102 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
31 d early
2023
34 d early
2022
39 d early
2021
39 d early
2020
33 d early
2019
38 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 34 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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. Usually files around 28 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€75,003▼ 57.8%
2024 · €177,777
Net result
€56,226▼ 9.8%
2024 · €62,336
Total assets
€263,356▼ 9.0%
2024 · €289,515
Solvency
28.5%▼ 32.9pp
2024 · 61.4%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€72,301▼ 15.1%€70,864▼ 2.0%€91,143▲ 28.6%€80,168▼ 12.0%€72,770▼ 9.2%
Net result€53,894within the sector's middle half▼ 14.6%€53,227within the sector's middle half▼ 1.2%€71,008within the sector's middle half▲ 33.4%€62,336within the sector's middle half▼ 12.2%€56,226within the sector's middle half▼ 9.8%
Equity€103,102within the sector's middle half▲ 38.9%€156,330within the sector's middle half▲ 51.6%€167,337within the sector's middle half▲ 7.0%€177,777within the sector's middle half▲ 6.2%€75,003within the sector's middle half▼ 57.8%
Total assets€233,512within the sector's middle half▼ 28.1%€239,258within the sector's middle half▲ 2.5%€297,814within the sector's middle half▲ 24.5%€289,515within the sector's middle half▼ 2.8%€263,356within the sector's middle half▼ 9.0%
Debt€130,409▼ 47.9%€82,929▼ 36.4%€130,476▲ 57.3%€111,738▼ 14.4%€188,353▲ 68.6%
Working capital€56,075within the sector's middle half▲ 11.7%€105,771within the sector's middle half▲ 88.6%€33,393within the sector's middle half▼ 68.4%€60,090within the sector's middle half▲ 79.9%€108,293within the sector's middle half▲ 80.2%
Solvency44.2%within the sector's middle half▲ 21.3pp65.3%within the sector's middle half▲ 21.2pp56.2%within the sector's middle half▼ 9.2pp61.4%within the sector's middle half▲ 5.2pp28.5%within the sector's middle half▼ 32.9pp
Current ratio2.34within the sector's middle half▲ 0.949.01above the sector's middle half▲ 6.681.39within the sector's middle half▼ 7.621.83within the sector's middle half▲ 0.446.56above the sector's middle half▲ 4.73
Return on assets (ROA)23.1%within the sector's middle half▲ 3.6pp22.2%within the sector's middle half▼ 0.8pp23.8%within the sector's middle half▲ 1.6pp21.5%within the sector's middle half▼ 2.3pp21.3%within the sector's middle half▼ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263,356
Fixed assets
€135,587 ▼ 13.6%
Current assets
€127,769 ▼ 3.7%
Equity and liabilities €263,356
Equity
€75,003 ▼ 57.8%
Debt
€188,353 ▲ 68.6%
Debt's share of the balance-sheet total rises from 38.6% to 71.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
75.0%▲
2024 · 35.1%
Debt ≤ 1 year
€19,476▼
2024 · €72,581
Debt > 1 year
€168,877▲
2024 · €39,157
Income taxes
€15,644▼
2024 · €16,904
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,471 | €15,211 | €12,417 | €22,869 | €22,677 | ▼ 0.8% |
| Other operating charges640/8 | €1,227 | €1,580 | €1,558 | €1,036 | €1,182 | ▲ 14.1% |
| Gross operating margin9900 | €88,999 | €87,655 | €105,118 | €104,073 | €96,629 | ▼ 7.2% |
| Operating profit (loss)9901 | €72,301 | €70,864 | €91,143 | €80,168 | €72,770 | ▼ 9.2% |
| Financial income75/76B | - | €0 | - | - | - | - |
| Recurring financial income75 | - | €0 | - | - | - | - |
| Financial charges65/66B | €2,655 | €2,027 | €1,876 | €929 | €900 | ▼ 3.1% |
| Recurring financial charges65 | €2,655 | €2,027 | €1,876 | €929 | €900 | ▼ 3.1% |
| Profit (loss) for the period before taxes9903 | €69,646 | €68,837 | €89,267 | €79,239 | €71,870 | ▼ 9.3% |
| Income taxes67/77 | €15,753 | €15,610 | €18,259 | €16,904 | €15,644 | ▼ 7.5% |
| Profit (loss) for the period9904 | €53,894 | €53,227 | €71,008 | €62,336 | €56,226 | ▼ 9.8% |
| Profit (loss) for the period to be appropriated9905 | €53,894 | €53,227 | €71,008 | €62,336 | €56,226 | ▼ 9.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €233,512 | €239,258 | €297,814 | €289,515 | €263,356 | ▼ 9.0% |
| Fixed assets21/28 | €135,498 | €120,287 | €178,435 | €156,844 | €135,587 | ▼ 13.6% |
| Tangible fixed assets22/27 | €135,498 | €120,287 | €178,435 | €156,844 | €135,587 | ▼ 13.6% |
| Land and buildings22 | €117,689 | €111,098 | €104,508 | €97,918 | €91,327 | ▼ 6.7% |
| Plant, machinery and equipment23 | - | - | €2,338 | €1,812 | €1,287 | ▼ 29.0% |
| Furniture and vehicles24 | €17,809 | €9,188 | €71,589 | €57,114 | €42,972 | ▼ 24.8% |
| Current assets29/58 | €98,014 | €118,972 | €119,379 | €132,671 | €127,769 | ▼ 3.7% |
| Amounts receivable within one year40/41 | €18,150 | €18,540 | €20,356 | €20,800 | €163 | ▼ 99.2% |
| Trade receivables40 | €18,150 | €18,150 | €19,966 | €20,800 | €163 | ▼ 99.2% |
| Other amounts receivable41 | - | €390 | €390 | - | - | - |
| Cash at bank and in hand54/58 | €79,338 | €99,860 | €98,359 | €111,871 | €127,606 | ▲ 14.1% |
| Deferred charges and accrued income490/1 | €526 | €572 | €664 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €233,512 | €239,258 | €297,814 | €289,515 | €263,356 | ▼ 9.0% |
| Equity10/15 | €103,102 | €156,330 | €167,337 | €177,777 | €75,003 | ▼ 57.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €84,502 | €137,730 | €148,737 | €159,177 | €56,403 | ▼ 64.6% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €82,642 | €135,870 | €148,737 | €159,177 | €56,403 | ▼ 64.6% |
| Amounts payable17/49 | €130,409 | €82,929 | €130,476 | €111,738 | €188,353 | ▲ 68.6% |
| Amounts payable after more than one year17 | €88,470 | €69,727 | €44,491 | €39,157 | €168,877 | ▲ 331% |
| Financial debts170/4 | €88,470 | €69,727 | €44,491 | €39,157 | €168,877 | ▲ 331% |
| Amounts payable within one year42/48 | €41,939 | €13,201 | €85,986 | €72,581 | €19,476 | ▼ 73.2% |
| Current portion of amounts payable after more than one year42 | €5,050 | €5,143 | €5,237 | €5,333 | €5,431 | ▲ 1.8% |
| Trade debts44 | €3,459 | €2,470 | €4,009 | €3,342 | €7,675 | ▲ 130% |
| Suppliers440/4 | €3,459 | €2,470 | €4,009 | €3,342 | €7,675 | ▲ 130% |
| Taxes, remuneration and social security45 | €8,399 | €5,008 | €19,313 | €13,008 | €4,744 | ▼ 63.5% |
| Taxes450/3 | €4,709 | €5,008 | €15,623 | €9,318 | €4,744 | ▼ 49.1% |
| Remuneration and social security454/9 | €3,690 | - | €3,690 | €3,690 | - | - |
| Other amounts payable47/48 | €25,032 | €580 | €57,427 | €50,899 | €1,627 | ▼ 96.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €53,894 | €53,227 | €71,008 | €62,336 | €56,226 | ▼ 9.8% |
| + Depreciation and write-downs630 | €15,471 | €15,211 | €12,417 | €22,869 | €22,677 | ▼ 0.8% |
| Operating cash flow (approximation) | €69,364 | €68,438 | €83,425 | €85,205 | €78,903 | ▼ 7.4% |
| Investment in fixed assets (approximation) | - | €0 | -€70,566 | -€1,278 | -€1,420 | ▼ 11.1% |
| Change in cash | - | €20,522 | -€1,501 | €13,512 | €15,734 | ▲ 16.4% |
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 6.56
Current ratio from 1.83 to 6.56; short-term debt falls from €72,581 to €19,476.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €71,008 ▲33.4%
Operating result €91,143, net result €71,008, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 9.01
Current ratio from 2.34 to 9.01; short-term debt falls from €41,939 to €13,201.
31-12
Financial
Equity above €150,000Eq €156,330 ▲51.6%
5 profitable years in a row build equity to €156,330.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €103,102 ▲38.9%
4 profitable years in a row build equity to €103,102.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €111,292 ▲87.4%
2 profitable years in a row build equity to €111,292.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Oostkamp · 1 establishment unit since 2013
Ground area
852 m²
Building footprint
191 m²
Volume, LiDAR
971 m³
Parcel 31025G0187/00R002, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
iPROMACO
since 20132.221.707.202
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31025G0187/00R002 | Flanders | 852 m² | 1 · 191 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 551 EUR awarded · 1,129 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 74 EUR | 74 EUR |
| 2024 | 1 | 477 EUR | 477 EUR |
| 2023 | 1 | 0 EUR | 578 EUR |
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 11,593 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
Founded02-09-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0537851934
Also
9925:BE0537851934
Registered
08-06-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.