I.C.I.
ActiveI.C.I. has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €-14k. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 31191 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency98▼-1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.32 against 2.67 in 2024), and 43% 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 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
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
57%
Return on assets
-10.1%
Age of the figures
11 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€14k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
2 d early
2021
3 d late
2020
44 d early
2019
106 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
07-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▼ 15.0%
2024 · €93k
2019: €27k
2020: €21k
2021: €7k
2022: €70k
2023: €103k
2024: €93k
2019 → 2025
Total assets
€139k▼ 6.5%
2024 · €149k
2019: €145k
2020: €89k
2021: €103k
2022: €143k
2023: €193k
2024: €149k
2019 → 2025
Net result
€-14k▼ 54.3%
2024 · €-9k
2019: €64k
2020: €-4k
2021: €-14k
2022: €63k
2023: €34k
2024: €-9k
2019 → 2025
Working capital
€79k▼ 14.7%
2024 · €92k
2019: €27k
2020: €21k
2021: €7k
2022: €64k
2023: €103k
2024: €92k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€70k▲ 896%€103k▲ 47.2%€93k▼ 8.9%€79k▼ 15.0%
Operating result€-16k-€80k€64k▼ 20.1%€-9k€-12k▼ 33.7%
Net result€-14k-€63k€34k▼ 47.0%€-9k€-14k▼ 54.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €9k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139k
Fixed assets
€772▼ 41.4%
Current assets
€138k▼ 6.1%
Equity and liabilities €139k
Equity
€79k▼ 15.0%
Debt
€60k▲ 8.1%
The debt ratio rises from 37.2% to 43.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-12k▼
2024 · €-9k
Cash flow
€-14k▼
2024 · €-9k
Solvency
57.0%▼
2024 · 62.8%
Current ratio
2.32▼
2024 · 2.67
Quick ratio
2.32▼
2024 · 2.67
Debt / equity
0.75▲
2024 · 0.59
ROE
-17.7%▼
2024 · -9.8%
ROA
-10.1%▼
2024 · -6.1%
Interest coverage
-1.89▼
2024 · -1.78
Debt
€60k▲
2024 · €55k
Debt ≤ 1 year
€60k▲
2024 · €55k
Income taxes
€30▼
2024 · €430
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€149k€139k▼
Fixed assets21/28€1k€772▼
Tangible fixed assets22/27€1k€772▼
Furniture and vehicles24€1k€772▼
Current assets29/58€147k€138k▼
Amounts receivable within one year40/41€147k€136k▼
Trade receivables40€59k€67k▲
Other amounts receivable41€88k€69k▼
Deferred charges and accrued income490/1€384€2k▲
Equity and liabilities
Total equity and liabilities10/49€149k€139k▼
Equity10/15€93k€79k▼
Contributions10/11€13k€13k=
Reserves13€81k€67k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€79k€65k▼
Amounts payable17/49€55k€60k▲
Amounts payable within one year42/48€55k€60k▲
Financial debts43€20k€19k▼
Credit institutions430/8€20k€19k▼
Trade debts44€13k€27k▲
Suppliers440/4€13k€27k▲
Taxes, remuneration and social security45€8k€17▼
Taxes450/3€8k€17▼
Other amounts payable47/48€14k€14k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€317€545▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-7k€-11k▼
Operating profit (loss)9901€-9k€-12k▼
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€-9k€-14k▼
Income taxes67/77€430€30▼
Profit (loss) for the period9904€-9k€-14k▼
Profit (loss) for the period to be appropriated9905€-9k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-14k▼
Transfer from equity791/2€9k€14k▲
The notes to these accounts (4 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €103k ▲47.2%
2 profitable years in a row build equity to €103k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €63k
Net result €63k after 2 loss-making years.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
17-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 95 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,136 companies in sector 70200 we hold annual accounts for 52,099. 39,744 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2007
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
68121Development of residential building projects
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
70111
70311
70312
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 25-07-2026. Scores and ratios are computed by Checked and are not a credit decision.