IR.MA conceptstore
ActiveThe computed 12-month bankruptcy probability of IR.MA conceptstore is 1.6% (moderate). The 2025 annual accounts show equity of €109k and a net result of €50k. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 57% of 18237 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+3
Solvency68▼-1
Growth78=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.7 against 3.05 in 2024; short-term debt: 27.2% and cash: 25.8% of total assets), but 57.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
42.9%
Return on assets
19.6%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
6 d early
2023
33 d early
2022
21 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€109k▲ 13.6%
2024 · €96k
2022: €55k
2023: €59k
2024: €96k
2022 → 2025
Total assets
€255k▲ 15.7%
2024 · €221k
2022: €188k
2023: €187k
2024: €221k
2022 → 2025
Net result
€50k▲ 35.2%
2024 · €37k
2022: €36k
2023: €6k
2024: €37k
2022 → 2025
Working capital
€118k▼ 7.7%
2024 · €128k
2022: €107k
2023: €103k
2024: €128k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€55k-€59k▲ 8.1%€96k▲ 62.5%€109k▲ 13.6%
Operating result€50k-€9k▼ 81.3%€47k▲ 398%€63k▲ 34.6%
Net result€36k-€6k▼ 83.2%€37k▲ 505%€50k▲ 35.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €255k
Fixed assets
€68k▲ 124%
Current assets
€188k▼ 1.5%
Equity and liabilities €255k
Equity
€109k▲ 13.6%
Debt
€146k▲ 17.3%
The debt ratio rises from 56.3% to 57.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€69k▲
2024 · €50k
Cash flow
€56k▲
2024 · €41k
Solvency
42.9%▼
2024 · 43.7%
Current ratio
2.70▼
2024 · 3.05
Quick ratio
1.05▼
2024 · 1.62
Debt / equity
1.33▲
2024 · 1.29
ROE
45.8%▲
2024 · 38.4%
ROA
19.6%▲
2024 · 16.8%
Interest coverage
38.70▲
2024 · 37.83
Debt
€146k▲
2024 · €124k
Debt ≤ 1 year
€69k▲
2024 · €62k
Debt > 1 year
€76k▲
2024 · €61k
Income taxes
€13k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€221k€255k▲
Fixed assets21/28€30k€68k▲
Tangible fixed assets22/27€30k€68k▲
Furniture and vehicles24-€3k
Other tangible fixed assets26€30k€64k▲
Financial fixed assets28€0-
Current assets29/58€191k€188k▼
Stocks and contracts in progress3€90k€115k▲
Stocks30/36€90k€115k▲
Amounts receivable within one year40/41€12k€4k▼
Trade receivables40€8k€3k▼
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€85k€66k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€221k€255k▲
Equity10/15€96k€109k▲
Contributions10/11€20k€20k=
Reserves13€76k€89k▲
Distributable reserves133€76k€89k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€124k€146k▲
Amounts payable after more than one year17€61k€76k▲
Financial debts170/4€61k€76k▲
Amounts payable within one year42/48€62k€69k▲
Current portion of amounts payable after more than one year42€10k€17k▲
Trade debts44€14k€15k▲
Suppliers440/4€14k€15k▲
Taxes, remuneration and social security45€24k€23k▼
Taxes450/3€24k€23k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€14k€14k▲
Accrued charges and deferred income492/3€1k€100▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€841€842▲
Non-recurring operating charges66A€50€0▼
Gross operating margin9900€51k€69k▲
Operating profit (loss)9901€47k€63k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€47k€63k▲
Income taxes67/77€10k€13k▲
Profit (loss) for the period9904€37k€50k▲
Profit (loss) for the period to be appropriated9905€37k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€50k▲
Transfer from equity791/2-€37k
Transfer to equity691/2€37k€50k▲
To other reserves6921€37k€50k▲
Profit to be distributed694/7€0€37k▲
Return on contributions (dividend)694€0€37k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €50k ▲35.2%
Operating result €63k, net result €50k, both a record.
31-12
Financial
Equity above €100kEq €109k ▲13.6%
4 profitable years in a row build equity to €109k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €6k ▼83.2%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beersel · 1 establishment unit since 2021
Cannot 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.
Neerhof 31650 BeerselGround area
6,534 m²
Building footprint
1,010 m²
Volume, LiDAR
8,672 m³
2 parcels, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IR.MA conceptstore
since 20212.322.697.563
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23001B0010/00L005 | Flanders | 5,854 m² | 1 · 901 m² | 13.4 m · 3 fl. |
| 23003B0039/00R000 | Flanders | 679 m² | 1 · 110 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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TMCO.BE
BE 0878.622.139
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COSMOS GROUP
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Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,494 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2021
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47191Retail trade
47559Retail sale of other household articles
47599Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
71112Activities of interior architects
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.