Equity
-€7,279
Debts exceed assets in financial year 2025.
't Ijsbeertje
Lifetime
1 annual account with figuresGross marginpeak -€1,033 (2025)
-€1,033
Resultlowest -€10,279 (2025)
-€10,279
Equitypeak -€7,279 (2025)
-€7,279
Debts
€14,981
Board3 names since 2025
1 directorMilon Ahmadi
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Loss of €10,279Registered office moved from Brecht to Merksem 15-07Incorporation 04-041 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€14,981 195% of the balance sheet
Board
1 joined · 1 left
Board changed. Latest change 01-04-2026 · 1 in office.
2025 accounts filed 28 days after the deadlineTurnover not published (micro format)
Checked score
46
Fair
Financially stronger than 6% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
4.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,273 companies (NACE 47, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2026: 3.8%lowest value
06-2026: 3.8%● unchanged vs 05-2026
07-2026: 4.3%▲ +0.5 percentage points vs 06-2026
08-2026: 4.4%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 3.8%▼ -0.6 percentage points vs 08-2026
10-2026: 4.0%▲ +0.2 percentage points vs 09-2026
11-2026: 4.0%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2025
1 change of registered office in 24 months
lowers risk
Size: total assets €7,702
Figures for financial year 2025 (filed on 01-09-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 6% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,322 companies had the same profile as 't Ijsbeertje has now. Each dot stands for 4 companies, two years later.
90.3%
were still trading
5.5%
stopped another way
4.2%
went bankrupt
That fits the bankruptcy probability of 't Ijsbeertje itself: 4.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,322 companies, not a prediction for 't Ijsbeertje. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.25, below 1. Short-term debt is 194.5% and cash 2.9% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
28 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
New director
Milon Ahmadi appointed, Naqhibullh SAMIR resigned · General meeting of 01-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1021821556
Registered office moved from Brecht to Merksem
New registered office: Kastanjeboomplein 43, 2170 Merksem · Previous registered office: Oostmalsebaan 12J, 2960 Brecht · Resignation: Ahmadi Munir (director) · General meeting of 28-05-2025 · Gazette deed
Incorporation
Founding capital of €3,000, 3,000 shares · Founder: AHMADI Munir · Appointment: AHMADI Munir (director) · published on 04-04-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| 't Ijsbeertje Antwerp | €7,702 | -€1,033 | -94.5% | - |
| NOT JUST SALT Antwerp | €9,161 | -€41,288 | -32.9% | - |
| ZAI EXPRESS Mechelen | €9,682 | -€673 | -21.1% | - |
| Flanders Food Services 6 Aartselaar | €4,632 | -€1,579 | -5.3% | 0 |
| ER COMPANY La Louvière | €10,334 | €320 | 2.8% | - |
| MAM ARAM Seraing | €11,094 | -€16,519 | -146.0% | - |
| DATACENTER INSTALLS Sint-Gillis (bij-Brussel) | €13,008 | -€14,495 | -108.3% | - |
These companies have the same main activity as 't Ijsbeertje: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €4,630 and €13,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 02-04-2025Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110and 5 others
- Establishment unit
- 2.372.528.9382170 Antwerp, since 02-04-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2025
Annual accounts 2025
- Total assets
- €7,702
- Staff
- ≈ 0.2 FTEestimated
- Filing
- Filed on 28-08-2026
Insights on 't Ijsbeertje
The computed 12-month bankruptcy probability of 't Ijsbeertje is 4.0% (moderate). The 2025 annual accounts show negative equity (-€7,279) and a net result of -€10,279.
Its solvency ranks better than 9% of 22,859 sector peers (NACE 47, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about 't Ijsbeertje
- What is the company number of 't Ijsbeertje?
- The company number of 't Ijsbeertje is 1021.821.556. The VAT number is the same number with BE in front: BE 1021.821.556.
- Where is 't Ijsbeertje based?
- The registered office is at Kastanjeboomplein 43, 2170 Antwerp.Company details
- What does 't Ijsbeertje do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of 't Ijsbeertje?
- 't Ijsbeertje is a private limited company (BV).
- When was 't Ijsbeertje founded?
- 't Ijsbeertje was founded on 02-04-2025.
- Is 't Ijsbeertje still active?
- Yes, 't Ijsbeertje is an active enterprise in the KBO register.
- What is the turnover of 't Ijsbeertje?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is 't Ijsbeertje profitable?
- In financial year 2025, 't Ijsbeertje made a loss of €10,279.
- Where can I find the annual accounts of 't Ijsbeertje?
- 't Ijsbeertje filed 1 annual account with the National Bank of Belgium, for financial year 2025.
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