IRET
ActiveIRET has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €14k. Equity is growing by ~31.9% per year across the filed fiscal years. Its solvency ranks better than 83% of 4422 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-18
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.95 against 3.72 in 2024; short-term debt: 25% and cash: 1.9% of total assets), and 25% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
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
75%
Return on assets
10.6%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
101 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▲ 16.5%
2024 · €87k
2018: €40k
2019: €15k
2020: €4k
2021: €30k
2022: €53k
2023: €71k
2024: €87k
2018 → 2025
Total assets
€135k▲ 14.3%
2024 · €118k
2018: €77k
2019: €46k
2020: €38k
2021: €60k
2022: €77k
2023: €99k
2024: €118k
2018 → 2025
Net result
€14k▼ 10.7%
2024 · €16k
2018: €-3k
2019: €-25k
2020: €-11k
2021: €26k
2022: €23k
2023: €18k
2024: €16k
2018 → 2025
Working capital
€100k▲ 17.5%
2024 · €85k
2018: €61k
2019: €22k
2020: €9k
2021: €31k
2022: €51k
2023: €71k
2024: €85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€53k▲ 77.0%€71k▲ 34.1%€87k▲ 22.6%€102k▲ 16.5%
Operating result€25k-€23k▼ 7.8%€23k▼ 1.1%€20k▼ 11.7%€19k▼ 3.6%
Net result€26k-€23k▼ 10.0%€18k▼ 21.6%€16k▼ 11.0%€14k▼ 10.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 4% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€2k▼ 19.6%
Current assets
€134k▲ 15.0%
Equity and liabilities €135k
Equity
€102k▲ 16.5%
Debt
€34k▲ 8.3%
The debt ratio falls from 26.4% to 25.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▼
2024 · €20k
Cash flow
€15k▼
2024 · €16k
Solvency
75.0%▲
2024 · 73.6%
Current ratio
3.95▲
2024 · 3.72
Quick ratio
3.95▲
2024 · 3.72
Debt / equity
0.33▼
2024 · 0.36
ROE
14.1%▼
2024 · 18.4%
ROA
10.6%▼
2024 · 13.6%
Interest coverage
4.32▼
2024 · 8.85
Debt
€34k▲
2024 · €31k
Debt ≤ 1 year
€34k▲
2024 · €31k
Income taxes
€6k▼
2024 · €7k
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€118k€135k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€2k€2k▼
Financial fixed assets28€351€351=
Current assets29/58€116k€134k▲
Amounts receivable within one year40/41€112k€131k▲
Trade receivables40€15k€16k▲
Other amounts receivable41€97k€114k▲
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€130€307▲
Equity and liabilities
Total equity and liabilities10/49€118k€135k▲
Equity10/15€87k€102k▲
Contributions10/11€19k€19k=
Reserves13€31k€45k▲
Distributable reserves133€31k€45k▲
Profit (loss) carried forward14€37k€38k▲
Amounts payable17/49€31k€34k▲
Amounts payable within one year42/48€31k€34k▲
Trade debts44€866€1k▲
Suppliers440/4€866€1k▲
Advances received on contracts in progress46€12k€12k=
Taxes, remuneration and social security45€18k€20k▲
Taxes450/3€18k€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€305€452▲
Other operating charges640/8€875€635▼
Gross operating margin9900€21k€20k▼
Operating profit (loss)9901€20k€19k▼
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€23k€20k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€16k€14k▼
Profit (loss) for the period to be appropriated9905€16k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€52k▼
Profit (loss) brought forward from the previous period14P€36k€37k▲
Transfer to equity691/2€15k€14k▼
To other reserves6921€15k€14k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €102k ▲16.5%
5 profitable years in a row build equity to €102k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €26k
Net result €26k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Gent · 1 establishment unit since 2019
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.
Molenstraat 2479032 GentGround area
184 m²
Building footprint
74 m²
Volume, LiDAR
494 m³
Parcel 44074B0305/00F003, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
The Memo's
since 20192.288.110.630
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074B0305/00F003 | Flanders | 184 m² | 1 · 74 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
S-Services
BE 0716.868.404
Beveren-Kruibeke-Zwijndrecht · Eq €102k
MELDA
BE 0479.884.437
Sint-Joost-ten-Node · Eq €101k
NOVE
BE 0898.492.588
Lommel · Eq €102k
ACTISERVICES
BE 0837.014.681
Anderlecht · Eq €102k
Isopro Cleaning
BE 0837.822.553
Antwerpen · Eq €102k
Of 7,353 companies in sector 81210 we hold annual accounts for 2,731. 2,153 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2012
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.