IRMA HoldCo 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 €824k and a net result of €282k. Its solvency ranks better than 33% of 5523 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 18-04-2026, 104 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
104 d early
2024
17 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, abbreviated schema
Equity
€824k▲ 52.0%
2024 · €542k
2024: €542k
2024 → 2025
Net result
€282k▼ 47.8%
2024 · €540k
2024: €540k
2024 → 2025
Total assets
€2.54M▲ 0.7%
2024 · €2.52M
2024: €2.52M
2024 → 2025
Solvency
32.4%▲ 10.9pp
2024 · 21.5%
2024: 21.5%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€542k-€824k▲ 52.0%
Operating result€17k-€18k▲ 4.8%
Net result€540k-€282k▼ 47.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.54M
Fixed assets
€2.50M=
Current assets
€41k▲ 79.8%
Equity and liabilities €2.54M
Equity
€824k▲ 52.0%
Debt
€1.72M▼ 13.3%
The debt ratio falls from 78.5% to 67.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
32.4%▲
2024 · 21.5%
ROE
34.2%▼
2024 · 99.6%
ROA
11.1%▼
2024 · 21.4%
Debt
€1.72M▼
2024 · €1.98M
Debt ≤ 1 year
€443k▲
2024 · €435k
Debt > 1 year
€1.27M▼
2024 · €1.55M
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€2.52M€2.54M▲
Fixed assets21/28€2.50M€2.50M=
Financial fixed assets28€2.50M€2.50M=
Current assets29/58€23k€41k▲
Amounts receivable within one year40/41€23k€38k▲
Trade receivables40€23k€38k▲
Cash at bank and in hand54/58€387€4k▲
Equity and liabilities
Total equity and liabilities10/49€2.52M€2.54M▲
Equity10/15€542k€824k▲
Contributions10/11€2k€2k=
Reserves13€540k€821k▲
Distributable reserves133€540k€821k▲
Amounts payable17/49€1.98M€1.72M▼
Amounts payable after more than one year17€1.55M€1.27M▼
Financial debts170/4€1.55M€1.27M▼
Amounts payable within one year42/48€435k€443k▲
Current portion of amounts payable after more than one year42€263k€272k▲
Trade debts44€55€262▲
Suppliers440/4€55€262▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€168k€167k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€759-
Other operating charges640/8€168€171▲
Gross operating margin9900€18k€19k▲
Operating profit (loss)9901€17k€18k▲
Financial income75/76B€575k€325k▼
Recurring financial income75€575k€325k▼
Financial charges65/66B€53k€61k▲
Recurring financial charges65€53k€61k▲
Profit (loss) for the period before taxes9903€540k€282k▼
Profit (loss) for the period9904€540k€282k▼
Profit (loss) for the period to be appropriated9905€540k€282k▼
Appropriation of the result
Profit (loss) to be appropriated9906€540k€282k▼
Transfer to equity691/2€540k€282k▼
To other reserves6921€540k€282k▼
The notes to these accounts (6 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
18-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
NBB filing
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, Westerlo · 1 establishment unit since 2023
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.
Stenen Heide 72260 WesterloGround area
2,934 m²
Building footprint
267 m²
Volume, LiDAR
1,068 m³
Parcel 13039C0315/00R000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IRMA HoldCo
since 20232.353.562.666
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13039C0315/00R000 | Flanders | 2,934 m² | 1 · 267 m² | 7.5 m · 1 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2023
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.