IVD Business Consultancy
ActiveSummary
IVD Business Consultancy has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €312k and a net result of €134k. Equity is growing by ~43.1% per year across the filed fiscal years. Its solvency ranks better than 46% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency76▼-24
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.04 against 11.53 in 2024; short-term debt: 48.5% and cash: 18.7% of total assets), and 48.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
51.3%
Return on assets
22%
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 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
6 d early
2023
27 d late
2022
31 d late
2021
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€312k▼ 34.7%
2024 · €478k
2021: €141k
2022: €196k
2023: €324k
2024: €478k
2021 → 2025
Total assets
€608k▲ 15.1%
2024 · €528k
2021: €264k
2022: €318k
2023: €417k
2024: €528k
2021 → 2025
Net result
€134k▼ 13.2%
2024 · €154k
2021: €140k
2022: €55k
2023: €128k
2024: €154k
2021 → 2025
Working capital
€307k▼ 34.0%
2024 · €465k
2021: €123k
2022: €179k
2023: €309k
2024: €465k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€196k▲ 38.7%€324k▲ 65.6%€478k▲ 47.7%€312k▼ 34.7%
Operating result€181k-€70k▼ 61.5%€163k▲ 134%€193k▲ 19.0%€167k▼ 13.9%
Net result€140k-€55k▼ 60.9%€128k▲ 135%€154k▲ 20.4%€134k▼ 13.2%
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 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €608k
Fixed assets
€6k ▼ 66.5%
Current assets
€602k ▲ 18.2%
Equity and liabilities €608k
Equity
€312k ▼ 34.7%
Debt
€296k ▲ 490%
Debt's share of the balance-sheet total rises from 9.5% to 48.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€181k▼
2024 · €207k
Cash flow
€148k▼
2024 · €168k
Current ratio
2.04▼
2024 · 11.53
Debt to equity
0.95▲
2024 · 0.10
ROE
42.9%▲
2024 · 32.3%
ROA
22.0%▼
2024 · 29.2%
Interest coverage
178.28▼
2024 · 361.79
Debt ≤ 1 year
€295k▲
2024 · €44k
Debt > 1 year
€0▼
2024 · €5k
Income taxes
€39k▼
2024 · €46k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€528k€608k▲
Fixed assets21/28€19k€6k▼
Tangible fixed assets22/27€19k€6k▼
Furniture and vehicles24€19k€6k▼
Current assets29/58€509k€602k▲
Amounts receivable within one year40/41€66k€36k▼
Trade receivables40€66k€36k▼
Other amounts receivable41€0-
Current investments50/53€350k€450k▲
Cash at bank and in hand54/58€91k€114k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€528k€608k▲
Equity10/15€478k€312k▼
Contributions10/11€2k€2k=
Reserves13€477k€311k▼
Distributable reserves133€477k€311k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€50k€296k▲
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€44k€295k▲
Current portion of amounts payable after more than one year42€13k€5k▼
Trade debts44€1k€758▼
Suppliers440/4€1k€758▼
Taxes, remuneration and social security45€29k€31k▲
Taxes450/3€29k€31k▲
Other amounts payable47/48€1k€258k▲
Accrued charges and deferred income492/3€694€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€792€817▲
Gross operating margin9900€208k€181k▼
Operating profit (loss)9901€193k€167k▼
Financial income75/76B€8k€8k▲
Recurring financial income75€8k€8k▲
Financial charges65/66B€573€1k▲
Recurring financial charges65€573€1k▲
Profit (loss) for the period before taxes9903€201k€173k▼
Income taxes67/77€46k€39k▼
Profit (loss) for the period9904€154k€134k▼
Profit (loss) for the period to be appropriated9905€154k€134k▼
Appropriation of the result
Profit (loss) to be appropriated9906€154k€134k▼
Transfer from equity791/2-€300k
Transfer to equity691/2€154k€134k▼
To other reserves6921€154k€134k▼
Profit to be distributed694/7-€300k
Return on contributions (dividend)694-€300k
The notes to these accounts (8 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
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €154k ▲20.4%
Operating result €193k, net result €154k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 11.53
Current ratio from 5.13 to 11.53; short-term debt falls from €75k to €44k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €200kEq €324k ▲65.6%
3 profitable years in a row build equity to €324k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €55k ▼60.9%
Net result drops to €55k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €196k ▲38.7%
2 profitable years in a row build equity to €196k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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, Roeselare · 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.
Ardooisesteenweg 4048800 RoeselareGround area
1,286 m²
Building footprint
223 m²
Volume, LiDAR
1,296 m³
Parcel 36502B1373/00N000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IVD Business Consultancy
since 20212.312.075.172
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B1373/00N000 | Flanders | 1,286 m² | 1 · 223 m² | 9.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 4,802 EUR awarded · 4,802 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,114 EUR | 2,114 EUR |
| 2023 | 1 | 1,398 EUR | 1,398 EUR |
| 2022 | 1 | 1,290 EUR | 1,290 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,909 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.