IVW-CONSULT
ActiveIVW-CONSULT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €19k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+35
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.19 against 2.91 in 2024), and 30.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
69.7%
Return on assets
16.1%
Age of the figures
8 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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
36 d early
2023
20 d early
2022
21 d late
2021
61 d early
2020
30 d late
2019
18 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 12.1%
2024 · €73k
2018: €31k
2019: €42k
2020: €50k
2021: €59k
2022: €64k
2023: €68k
2024: €73k
2018 → 2025
Total assets
€117k▲ 7.7%
2024 · €108k
2018: €148k
2019: €149k
2020: €159k
2021: €154k
2022: €129k
2023: €109k
2024: €108k
2018 → 2025
Net result
€19k▲ 98.7%
2024 · €9k
2018: €8k
2019: €21k
2020: €23k
2021: €24k
2022: €11k
2023: €8k
2024: €9k
2018 → 2025
Working capital
€77k▲ 13.1%
2024 · €68k
2018: €36k
2019: €52k
2020: €61k
2021: €63k
2022: €61k
2023: €62k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€64k▲ 9.3%€68k▲ 6.5%€73k▲ 6.5%€81k▲ 12.1%
Operating result€34k-€18k▼ 48.5%€14k▼ 21.3%€16k▲ 11.7%€27k▲ 75.5%
Net result€24k-€11k▼ 53.7%€8k▼ 24.2%€9k▲ 14.0%€19k▲ 98.7%
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 75% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€4k▼ 4.8%
Current assets
€113k▲ 8.2%
Equity and liabilities €117k
Equity
€81k▲ 12.1%
Debt
€35k▼ 1.3%
The debt ratio falls from 33.0% to 30.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k▲
2024 · €16k
Cash flow
€19k▲
2024 · €10k
Solvency
69.7%▲
2024 · 67.0%
Current ratio
3.19▲
2024 · 2.91
Quick ratio
3.19▲
2024 · 2.91
Debt / equity
0.43▼
2024 · 0.49
ROE
23.0%▲
2024 · 13.0%
ROA
16.1%▲
2024 · 8.7%
Interest coverage
167.11▲
2024 · 27.53
Debt
€35k▼
2024 · €36k
Debt ≤ 1 year
€35k▼
2024 · €36k
Income taxes
€9k▲
2024 · €6k
Staff costs
€23k▼
2024 · €23k
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€108k€117k▲
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€212€0▼
Land and buildings22€0-
Plant, machinery and equipment23€212€0▼
Financial fixed assets28€4k€4k=
Current assets29/58€104k€113k▲
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€8k€5k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€93k€107k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€108k€117k▲
Equity10/15€73k€81k▲
Contributions10/11€19k€19k=
Reserves13€54k€63k▲
Non-distributable reserves130/1€0-
Other1319€0-
Distributable reserves133€54k€63k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€36k€35k▼
Amounts payable within one year42/48€36k€35k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€8k€13k▲
Suppliers440/4€8k€13k▲
Taxes, remuneration and social security45€16k€15k▼
Taxes450/3€9k€9k▼
Remuneration and social security454/9€7k€7k▼
Other amounts payable47/48€12k€7k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€23k€23k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€775€212▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€44k€52k▲
Operating profit (loss)9901€16k€27k▲
Financial income75/76B€314€637▲
Recurring financial income75€314€637▲
Financial charges65/66B€595€165▼
Recurring financial charges65€595€165▼
Profit (loss) for the period before taxes9903€15k€28k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€9k€19k▲
Profit (loss) for the period to be appropriated9905€9k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€19k▲
Transfer from equity791/2€5k€10k▲
Transfer to equity691/2€9k€19k▲
To other reserves6921€9k€19k▲
Profit to be distributed694/7€5k€10k▲
Return on contributions (dividend)694€5k€10k▲
The notes to these accounts (11 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €24k ▲3.1%
Operating result €34k, net result €24k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Deinze · 1 establishment unit since 2000
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.
Ten Bosse 409800 DeinzeGround area
1,291 m²
Building footprint
210 m²
Volume, LiDAR
1,190 m³
Parcel 44011A0850/00P000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ten Bosse 40, 9800 Deinze
since 20002.116.009.468
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44011A0850/00P000 | Flanders | 1,291 m² | 1 · 210 m² | 8.7 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 2024 · 3 entries · 479 EUR awarded · 479 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 144 EUR | 144 EUR |
| 2023 | 1 | 202 EUR | 202 EUR |
| 2022 | 1 | 133 EUR | 133 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 40,028 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2000
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.