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IRMAR

Active
Private limited companyfounded 20223 yrs activeDuinenweg 461D, 8430 Middelkerke, BelgiumKBO/BCE: BE 0792.878.097
Summary

IRMAR has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €355,296 and a net result of -€53,782. Equity is growing by ~39.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 1559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
IRMARActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Other holiday and short-stay accommodation
NACE 55209
1 site
Size
€1.4mtotal assets 2025
Equity
€355,296
Loss
-€53,782
Turnover not published (abridged schema)
Financial health
89 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts filed 29 d late0 of 2 deeds read
Why 89- Founded in 2022- Loss of €53,782, the second in a row (FY 2025)+ Size: total assets €1.4m+ Figures for FY 2025 (filed 29-08-2026)Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Better than 45% of its sector peers (NACE 55, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 50-39
equity 24.6% of total assets
Liquidity 69-15
short-term debt 0.4% · cash 15.3%
Profitability 14+3
return on assets -3.7%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (2,509 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.2%▼ -13.2% vs 12-2024 02-2025: 0.2%▲ +3.5% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.2%▲ +1.7% vs 03-2025 05-2025: 0.3%▲ +8.7% vs 04-2025 06-2025: 0.3%▼ -2.7% vs 05-2025 07-2025: 0.3%▲ +6.6% vs 06-2025 08-2025: 0.5%▲ +87.9% vs 07-2025 09-2025: 0.3%▼ -50.3% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%▲ +1.2% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.3%▲ +4.7% vs 03-2026 05-2026: 0.3%▲ +0.7% vs 04-2026 06-2026: 0.3%▲ +15.8% vs 05-2026 07-2026: 0.3%▼ -6.7% vs 06-2026 08-2026: 0.6%▲ +106% vs 07-2026highest value 09-2026: 0.2%▼ -71.2% vs 08-2026 10-2026: 0.2%▼ -0.6% vs 09-2026lowest value
  • Size: total assets €1.4m lowers the probability for this profile
  • Figures for FY 2025 (filed 29-08-2026) lowers the probability
  • Founded in 2022 raises the probability for this profile
  • Loss of €53,782, the second in a row (FY 2025) raises the probability
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 39.1 against 7.56 in 2024; short-term debt: 0.4% and cash: 15.3% of total assets), but 75.4% 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 55, micro). Better than this share of them on solvency 52%, liquidity 83%, profitability 19%, growth against the median 28%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.4m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 29-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Founded in 2022
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Loss of €53,782, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
232425
2023 to 2025 · latest year -€53,782
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 3 filings
Deviation from the deadline
2025
29 d late
2024
24 d late
2023
49 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% 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 24 August (3 of the last 3 filed years within 72 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 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 · micro…
  2. Weakest financial yearnet -€53,782
  3. Liquidity times 5current ratio 39.10

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€53,782 View
  • Caution: Among the weakest 9% on net resultsector median €2,011 · 1,560 companies -€53,782 View
  • Total assets 20253 fiscal years filed €1.4m View

By topic

Financials

Fiscal year
2025
Total assets
€1.4m
Loss
-€53,782
Solvency
24.6%
Total assets▲ 127%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2024
Next accounts
by 31-07-2027
  1. 29-08-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 31-12-2025Liquidity times 5
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other holiday and short-stay accommodationNACE 55209
Founded
25-10-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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