IRMGARD & ASTRID
ActiveIRMGARD & ASTRID has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €7k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 13306 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
60
/ 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
Profitability50▼-19
Solvency62▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.69 against 0.79 in 2024; short-term debt: 17.3% and cash: 8.9% of total assets), and 62.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
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
37.5%
Return on assets
2.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
61 d late
2023
28 d late
2022
59 d late
2021
87 d late
2020
61 d late
2019
69 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€87k▲ 8.4%
2024 · €80k
2018: €23k
2019: €37k
2020: €44k
2021: €53k
2022: €44k
2023: €55k
2024: €80k
2018 → 2025
Total assets
€233k▼ 24.6%
2024 · €309k
2018: €367k
2019: €364k
2020: €376k
2021: €359k
2022: €324k
2023: €310k
2024: €309k
2018 → 2025
Net result
€7k▼ 73.7%
2024 · €26k
2018: €1k
2019: €14k
2020: €7k
2021: €9k
2022: €-8k
2023: €10k
2024: €26k
2018 → 2025
Working capital
€-12k▲ 46.4%
2024 · €-23k
2018: €-95k
2019: €-79k
2020: €-70k
2021: €-57k
2022: €-62k
2023: €-45k
2024: €-23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€44k▼ 15.8%€55k▲ 22.8%€80k▲ 47.2%€87k▲ 8.4%
Operating result€22k-€-5k€24k€51k▲ 111%€24k▼ 53.2%
Net result€9k-€-8k€10k€26k▲ 154%€7k▼ 73.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233k
Fixed assets
€205k▼ 8.3%
Current assets
€28k▼ 67.3%
Equity and liabilities €233k
Equity
€87k▲ 8.4%
Debt
€146k▼ 36.2%
The debt ratio falls from 73.9% to 62.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▼
2024 · €69k
Cash flow
€25k▼
2024 · €44k
Solvency
37.5%▲
2024 · 26.1%
Current ratio
0.69▼
2024 · 0.79
Quick ratio
0.60▼
2024 · 0.75
Debt / equity
1.67▼
2024 · 2.84
ROE
7.8%▼
2024 · 32.1%
ROA
2.9%▼
2024 · 8.4%
Interest coverage
3.37▼
2024 · 4.81
Debt
€146k▼
2024 · €228k
Debt ≤ 1 year
€40k▼
2024 · €108k
Debt > 1 year
€105k▼
2024 · €120k
Income taxes
€5k▼
2024 · €11k
Staff costs
€103k▲
2024 · €73k
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€309k€233k▼
Fixed assets21/28€223k€205k▼
Tangible fixed assets22/27€223k€205k▼
Land and buildings22€218k€202k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€357€0▼
Current assets29/58€85k€28k▼
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€2k€2k▼
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€25k€21k▼
Deferred charges and accrued income490/1€54k€95▼
Equity and liabilities
Total equity and liabilities10/49€309k€233k▼
Equity10/15€80k€87k▲
Contributions10/11€19k€19k=
Reserves13€70k€77k▲
Distributable reserves133€70k€77k▲
Profit (loss) carried forward14€-8k€-8k=
Amounts payable17/49€228k€146k▼
Amounts payable after more than one year17€120k€105k▼
Financial debts170/4€120k€105k▼
Amounts payable within one year42/48€108k€40k▼
Current portion of amounts payable after more than one year42€20k€15k▼
Trade debts44€2k€34▼
Suppliers440/4€2k€34▼
Taxes, remuneration and social security45€14k€7k▼
Taxes450/3€14k€7k▼
Other amounts payable47/48€72k€18k▼
Income statement
Code20242025
Remuneration, social security and pensions62€73k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€145k€149k▲
Operating profit (loss)9901€51k€24k▼
Financial income75/76B€19€0▼
Recurring financial income75€19€0▼
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€37k€11k▼
Income taxes67/77€11k€5k▼
Profit (loss) for the period9904€26k€7k▼
Profit (loss) for the period to be appropriated9905€26k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€-2k▼
Profit (loss) brought forward from the previous period14P€-8k€-8k=
Transfer to equity691/2€26k€7k▼
To other reserves6921€26k€7k▼
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €26k ▲154%
Operating result €51k, net result €26k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €-8k ▼190%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gingelom · 1 establishment unit since 2015
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.
Steenweg 1793890 GingelomGround area
578 m²
Building footprint
161 m²
Volume, LiDAR
1,018 m³
Parcel 71017B0082/00V000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TWINS
since 20152.241.174.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71017B0082/00V000 | Flanders | 578 m² | 1 · 160 m² | 10.3 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGingelom2.241.174.211
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,972 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-2015
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.