IVPV Médic
ActiveIVPV Médic has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €15k. Equity is growing by ~47.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 16424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency80▼-20
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 4.53 in 2024; short-term debt: 44.6% and cash: 65.1% of total assets), and 44.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 86
Relative position
BE, all sectors
reference
Sector 86
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
55.4%
Return on assets
39.9%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
21 d late
2023
14 d late
2022
39 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€105k
EBIT margin
28.6%
Net result
€15k▲ 37.1%
2024 · €11k
2022: €24k
2023: €9k
2024: €11k
2022 → 2025
Working capital
€19k▼ 7.2%
2024 · €21k
2022: €2k
2023: €11k
2024: €21k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€105k-
Equity€2k-€11k▲ 433%€21k▲ 96.2%€21k▲ 1.2%
Operating result€30k-€12k▼ 59.9%€14k▲ 18.3%€21k▲ 50.5%
Net result€24k-€9k▼ 60.2%€11k▲ 17.1%€15k▲ 37.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 51% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€2k
Current assets
€36k
Equity and liabilities €38k
Equity
€21k▲ 1.2%
Debt
€17k▲ 187%
The debt ratio rises from 22.1% to 44.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k
Cash flow
€15k
Solvency
55.4%▼
2024 · 77.9%
Current ratio
2.14▼
2024 · 4.53
Quick ratio
2.14▼
2024 · 4.53
Debt / equity
0.80▲
2024 · 0.28
ROE
72.0%▲
2024 · 53.1%
ROA
39.9%▼
2024 · 41.4%
Interest coverage
395.93
Debt
€17k▲
2024 · €6k
Debt ≤ 1 year
€17k▲
2024 · €6k
Income taxes
€6k▲
2024 · €3k
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€27k€38k▲
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Current assets29/58€27k€36k▲
Amounts receivable within one year40/41€6k€11k▲
Trade receivables40€5k€6k▲
Other amounts receivable41€588€5k▲
Cash at bank and in hand54/58€21k€25k▲
Deferred charges and accrued income490/1€565€979▲
Equity and liabilities
Total equity and liabilities10/49€27k€38k▲
Equity10/15€21k€21k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€19k€19k▲
Amounts payable17/49€6k€17k▲
Amounts payable within one year42/48€6k€17k▲
Trade debts44€355€2k▲
Suppliers440/4€355€2k▲
Taxes, remuneration and social security45€5k€82▼
Taxes450/3€5k€82▼
Other amounts payable47/48€859€15k▲
Income statement
Code20242025
Non-recurring operating income76A€384€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1
Other operating charges640/8€646€400▼
Gross operating margin9900€15k€22k▲
Operating profit (loss)9901€14k€21k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€75€54▼
Recurring financial charges65€75€54▼
Profit (loss) for the period before taxes9903€14k€21k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€11k€15k▲
Profit (loss) for the period to be appropriated9905€11k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€34k▲
Profit (loss) brought forward from the previous period14P€9k€19k▲
Profit to be distributed694/7€859€15k▲
Return on contributions (dividend)694€859€15k▲
The notes to these accounts (14 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Weakest financial yearnet €9k ▼60.2%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 2.68
Current ratio from 1.06 to 2.68; short-term debt falls from €31k to €6k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Hamois · 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.
Rue de Rempache, Schaltin 35364 HamoisGround area
1,137 m²
Building footprint
135 m²
Parcel 91116B0513/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
IVPV Médic
since 20212.325.416.632
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91116B0513/00D000 | Wallonia | 1,137 m² | 1 · 135 m² | - |
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 5,984 companies in sector 86940 we hold annual accounts for 1,807. 1,466 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2021
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.