IBD SOLUTIONS
ActiveSummary
IBD SOLUTIONS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €882k and a net result of €228k. Equity is growing by ~28.3% per year across the filed fiscal years. Its solvency ranks better than 15% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-13
Solvency36▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity short (current ratio 0.57 against 0.6 in 2024; short-term debt: 19.4% and cash: 1.6% of total assets), and 89.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 · 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
10.5%
Return on assets
2.7%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
60 d late
2023
61 d late
2022
32 d late
2021
40 d late
2020
61 d late
2019
75 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€228k▼ 33.5%
2024 · €343k
2018: €71k
2019: €56k
2020: €214k
2021: €200k
2022: €413k
2023: €175k
2024: €343k
2018 → 2025
Working capital
€-702k▼ 87.8%
2024 · €-374k
2018: €-10k
2019: €-41k
2020: €37k
2021: €16k
2022: €256k
2023: €-230k
2024: €-374k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€568k-€981k▲ 72.7%€1.06M▲ 7.6%€1.30M▲ 23.0%€882k▼ 32.1%
Operating result€267k-€552k▲ 107%€330k▼ 40.2%€625k▲ 89.3%€479k▼ 23.3%
Net result€200k-€413k▲ 106%€175k▼ 57.7%€343k▲ 96.0%€228k▼ 33.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.40M
Fixed assets
€7.47M ▲ 17.4%
Current assets
€928k ▲ 62.7%
Equity and liabilities €8.40M
Equity
€882k ▼ 32.1%
Provisions
€5k ▼ 18.3%
Debt
€7.51M ▲ 33.5%
Debt's share of the balance-sheet total rises from 81.2% to 89.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€896k▼
2024 · €974k
Cash flow
€645k▼
2024 · €692k
Current ratio
0.57▼
2024 · 0.60
Debt to equity
8.51▲
2024 · 4.33
ROE
25.8%▼
2024 · 26.4%
ROA
2.7%▼
2024 · 4.9%
Interest coverage
4.83▼
2024 · 6.88
Debt ≤ 1 year
€1.63M▲
2024 · €944k
Debt > 1 year
€5.87M▲
2024 · €4.68M
Income taxes
€130k▼
2024 · €173k
Staff costs
€363k▲
2024 · €189k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 69 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.93M€8.40M▲
Fixed assets21/28€6.36M€7.47M▲
Intangible fixed assets21-€436
Tangible fixed assets22/27€6.19M€7.29M▲
Land and buildings22€708k€920k▲
Plant, machinery and equipment23€468k€442k▼
Furniture and vehicles24€260k€453k▲
Leasing and similar rights25-€5.45M
Other tangible fixed assets26€4.74M-
Assets under construction and advance payments27€19k€20k▲
Financial fixed assets28€169k€184k▲
Current assets29/58€570k€928k▲
Amounts receivable after more than one year29€68k€51k▼
Trade receivables290-€51k
Other amounts receivable291€68k-
Amounts receivable within one year40/41€348k€641k▲
Trade receivables40€179k€494k▲
Other amounts receivable41€169k€146k▼
Cash at bank and in hand54/58€129k€137k▲
Deferred charges and accrued income490/1€25k€99k▲
Equity and liabilities
Total equity and liabilities10/49€6.93M€8.40M▲
Equity10/15€1.30M€882k▼
Contributions10/11€19k€19k=
Reserves13€1.16M€745k▼
Tax-exempt reserves132€26k€21k▼
Distributable reserves133€1.14M€723k▼
Profit (loss) carried forward14€118k€119k▲
Provisions and deferred taxes16€6k€5k▼
Deferred taxes168€6k€5k▼
Amounts payable17/49€5.63M€7.51M▲
Amounts payable after more than one year17€4.68M€5.87M▲
Financial debts170/4€4.68M€5.87M▲
Amounts payable within one year42/48€944k€1.63M▲
Current portion of amounts payable after more than one year42€388k€480k▲
Financial debts43€59k€94k▲
Credit institutions430/8€59k€94k▲
Trade debts44€236k€451k▲
Suppliers440/4€236k€451k▲
Taxes, remuneration and social security45€125k€139k▲
Taxes450/3€105k€81k▼
Remuneration and social security454/9€20k€58k▲
Other amounts payable47/48€136k€465k▲
Accrued charges and deferred income492/3€7k€8k▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€189k€363k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€349k€417k▲
Other operating charges640/8€61k€105k▲
Non-recurring operating charges66A€1k-
Gross operating margin9900€1.22M€1.36M▲
Operating profit (loss)9901€625k€479k▼
Financial income75/76B€32k€63k▲
Recurring financial income75€32k€8k▼
Non-recurring financial income76B-€55k
Financial charges65/66B€142k€185k▲
Recurring financial charges65€142k€185k▲
Profit (loss) for the period before taxes9903€514k€357k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€173k€130k▼
Profit (loss) for the period9904€343k€228k▼
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€347k€233k▼
Appropriation of the result
Profit (loss) to be appropriated9906€528k€351k▼
Profit (loss) brought forward from the previous period14P€181k€118k▼
Transfer from equity791/2-€644k
Transfer to equity691/2€310k€232k▼
To other reserves6921€310k€232k▼
Profit to be distributed694/7€100k€644k▲
Return on contributions (dividend)694€100k€644k▲
Social balance
Average headcount (FTE)90874.67.8▲
The notes to these accounts (23 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 60 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-12
Financial
Equity above €1MEq €1.06M ▲7.6%
6 profitable years in a row build equity to €1.06M.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
31-12
Financial
Highest result since 2018net €413k ▲106%
Net result €413k, the highest in the series.
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 40 days late
2021
31-12
Financial
Equity above €500kEq €568k ▲58.2%
4 profitable years in a row build equity to €568k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Equity above €200kEq €359k ▲147%
3 profitable years in a row build equity to €359k.
14-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 75 days late
2019
31-12
Financial
Weakest financial yearnet €56k ▼21.8%
Net result drops to €56k, the lowest in the series; recovery starts the following year.
Show earlier events
31-12
Financial
Equity above €100kEq €145k ▲61.8%
2 profitable years in a row build equity to €145k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Liège · 1 establishment unit since 2014
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 Hors-Château 334000 LiègeGround area
884 m²
Building footprint
102 m²
Parcel 62810C0222/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
IBD solutions
since 20142.233.710.654
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810C0222/00C000 ProtectedMonument |
Wallonia | 884 m² | 1 · 102 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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EIGHT ADVISORY BELGIUM
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 29,218 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.