Maite Ibañez
ActiveThe computed 12-month bankruptcy probability of Maite Ibañez is 2.5% (moderate). The annual accounts of Maite Ibañez for fiscal year 2025 show a net loss of 173% of total assets and of 66% of the equity at the start of that year. The 2025 annual accounts show equity of €5k and a net result of €-11k. Equity is shrinking by ~35.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 92% of 18237 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 7.99 against 22.89 in 2024; short-term debt: 12.2% and cash: 0.1% of total assets), and 12.2% 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.
+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.8%
Return on assets
-173.3%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2025Net result per financial year
202122232425
2020 to 2025 · latest year €-11k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-01-2026, 12 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
12 d early
2024
4 d early
2023
27 d early
2022
9 d late
2021
4 d early
2020
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 66.4%
2024 · €16k
2020: €25k
2021: €47k
2022: €52k
2023: €33k
2024: €16k
2020 → 2025
Total assets
€6k▼ 63.3%
2024 · €17k
2020: €43k
2021: €78k
2022: €73k
2023: €47k
2024: €17k
2020 → 2025
Net result
€-11k▲ 37.3%
2024 · €-17k
2020: €22k
2021: €22k
2022: €5k
2023: €-19k
2024: €-17k
2020 → 2025
Working capital
€5k▼ 66.4%
2024 · €16k
2020: €2k
2021: €42k
2022: €50k
2023: €34k
2024: €16k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€52k▲ 9.6%€33k▼ 36.2%€16k▼ 51.4%€5k▼ 66.4%
Operating result€30k-€5k▼ 83.3%€-18k€-17k▲ 8.7%€-11k▲ 35.5%
Net result€22k-€5k▼ 79.4%€-19k€-17k▲ 9.5%€-11k▲ 37.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €17k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6k
Fixed assets
€158▼ 63.8%
Current assets
€6k▼ 63.3%
Equity and liabilities €6k
Equity
€5k▼ 66.4%
Debt
€751▲ 5.1%
The debt ratio rises from 4.3% to 12.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-11k▲
2024 · €-16k
Cash flow
€-10k▲
2024 · €-17k
Solvency
87.8%▼
2024 · 95.7%
Current ratio
7.99▼
2024 · 22.89
Quick ratio
7.99▼
2024 · 22.89
Debt / equity
0.14▲
2024 · 0.04
ROE
-197.3%▼
2024 · -105.9%
ROA
-173.3%▼
2024 · -101.4%
Interest coverage
-227.17▼
2024 · -58.11
Debt
€751▲
2024 · €715
Debt ≤ 1 year
€751▲
2024 · €715
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€17k€6k▼
Fixed assets21/28€436€158▼
Intangible fixed assets21€1-
Tangible fixed assets22/27€435€158▼
Furniture and vehicles24€435€158▼
Current assets29/58€16k€6k▼
Amounts receivable after more than one year29-€6k
Other amounts receivable291-€6k
Amounts receivable within one year40/41€16k-
Other amounts receivable41€16k-
Cash at bank and in hand54/58€20€4▼
Equity and liabilities
Total equity and liabilities10/49€17k€6k▼
Equity10/15€16k€5k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€13k€2k▼
Amounts payable17/49€715€751▲
Amounts payable within one year42/48€715€751▲
Trade debts44€662€662=
Suppliers440/4€662€662=
Taxes, remuneration and social security45€53€52▼
Taxes450/3€53€52▼
Other amounts payable47/48-€37
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€307€277▼
Other operating charges640/8€961€1▼
Gross operating margin9900€-15k€-11k▲
Operating profit (loss)9901€-17k€-11k▲
Financial income75/76B€2€180▲
Recurring financial income75€2€180▲
Financial charges65/66B€283€46▼
Recurring financial charges65€283€46▼
Profit (loss) for the period before taxes9903€-17k€-11k▲
Profit (loss) for the period9904€-17k€-11k▲
Profit (loss) for the period to be appropriated9905€-17k€-11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€2k▼
Profit (loss) brought forward from the previous period14P€30k€13k▼
The notes to these accounts (6 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
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity triplescurrent ratio 22.89
Current ratio from 7.39 to 22.89; short-term debt falls from €5k to €715.
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-19k ▼512%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
09-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 9 days late
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Liquidity quadruplescurrent ratio 4.06
Current ratio from 1.11 to 4.06; short-term debt falls from €18k to €14k.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated 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, Sint-Genesius-Rode · 1 establishment unit since 2019
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.
Parelhoenlaan 61640 Sint-Genesius-RodeGround area
776 m²
Building footprint
170 m²
Volume, LiDAR
590 m³
Parcel 22552E0015/00W008, Flanders · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Maite Ibañez
since 20192.297.506.861
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552E0015/00W008 | Flanders | 776 m² | 1 · 170 m² | 5.7 m · 1 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.
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Of 2,477 companies in sector 47279 we hold annual accounts for 950. 439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2019
Fiscal year end30-06
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
47120Other non-specialised retail sale
47252Retail sale of beverages, general range
47620Retail trade
47621Retail sale of newspapers and periodicals
47630Retail trade
47690Retail sale of other cultural and recreation goods
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.