ICV
ActiveICV has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €20k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 88% of 12627 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
Profitability66▼-9
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 8.95 against 12.7 in 2024), and 11.1% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
88.9%
Return on assets
11.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
6 d late
2023
27 d late
2022
35 d late
2021
5 d early
2020
31 d late
2019
25 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€151k▲ 15.2%
2024 · €131k
2018: €77k
2019: €83k
2020: €84k
2021: €93k
2022: €108k
2023: €112k
2024: €131k
2018 → 2025
Total assets
€170k▲ 19.4%
2024 · €142k
2018: €83k
2019: €102k
2020: €98k
2021: €108k
2022: €124k
2023: €119k
2024: €142k
2018 → 2025
Net result
€20k▲ 1.3%
2024 · €20k
2018: €5k
2019: €6k
2020: €291
2021: €9k
2022: €16k
2023: €3k
2024: €20k
2018 → 2025
Working capital
€150k▲ 14.6%
2024 · €131k
2018: €77k
2019: €73k
2020: €76k
2021: €88k
2022: €104k
2023: €110k
2024: €131k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€108k▲ 16.7%€112k▲ 3.1%€131k▲ 17.6%€151k▲ 15.2%
Operating result€11k-€21k▲ 89.3%€5k▼ 75.7%€27k▲ 447%€26k▼ 6.7%
Net result€9k-€16k▲ 71.3%€3k▼ 78.2%€20k▲ 483%€20k▲ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€2k▲ 112%
Current assets
€168k▲ 18.9%
Equity and liabilities €170k
Equity
€151k▲ 15.2%
Debt
€19k▲ 68.7%
The debt ratio rises from 7.8% to 11.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€26k▼
2024 · €28k
Cash flow
€20k▼
2024 · €20k
Solvency
88.9%▼
2024 · 92.2%
Current ratio
8.95▼
2024 · 12.70
Quick ratio
8.95▼
2024 · 12.70
Debt / equity
0.12▲
2024 · 0.08
ROE
13.2%▼
2024 · 15.0%
ROA
11.7%▼
2024 · 13.8%
Interest coverage
83.80▼
2024 · 86.87
Debt
€19k▲
2024 · €11k
Debt ≤ 1 year
€19k▲
2024 · €11k
Income taxes
€6k▼
2024 · €8k
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€142k€170k▲
Fixed assets21/28€812€2k▲
Tangible fixed assets22/27€812€2k▲
Plant, machinery and equipment23€812€2k▲
Current assets29/58€142k€168k▲
Amounts receivable within one year40/41€9k€6k▼
Trade receivables40€8k€6k▼
Other amounts receivable41€1k€26▼
Current investments50/53€36k€36k=
Cash at bank and in hand54/58€97k€126k▲
Deferred charges and accrued income490/1€110€55▼
Equity and liabilities
Total equity and liabilities10/49€142k€170k▲
Equity10/15€131k€151k▲
Contributions10/11€19k€19k=
Reserves13€67k€67k=
Distributable reserves133€67k€67k=
Profit (loss) carried forward14€46k€66k▲
Amounts payable17/49€11k€19k▲
Amounts payable within one year42/48€11k€19k▲
Trade debts44-€9k
Suppliers440/4-€9k
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Other amounts payable47/48€5k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€679€359▼
Other operating charges640/8€1k€799▼
Non-recurring operating charges66A-€87
Gross operating margin9900€29k€27k▼
Operating profit (loss)9901€27k€26k▼
Financial income75/76B€851€925▲
Recurring financial income75€851€925▲
Financial charges65/66B€324€310▼
Recurring financial charges65€324€310▼
Profit (loss) for the period before taxes9903€28k€26k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€20k€20k▲
Profit (loss) for the period to be appropriated9905€20k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€66k▲
Profit (loss) brought forward from the previous period14P€45k€46k▲
Transfer to equity691/2€19k-
To other reserves6921€19k-
The notes to these accounts (7 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €20k ▲1.3%
Net result €20k, the highest in the series.
31-12
Financial
Equity above €150kEq €151k ▲15.2%
8 profitable years in a row build equity to €151k.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 17.00
Current ratio from 7.52 to 17.00; short-term debt falls from €16k to €7k.
04-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 35 days late
2022
31-12
Financial
Equity above €100kEq €108k ▲16.7%
5 profitable years in a row build equity to €108k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €291 ▼95.5%
Net result drops to €291, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
DAENEN Anne-Marie
CurrentDirector · since 23-11-2023
23-11-2023
Resigned as Manager
23-11-2023
Appointed as Director
Location & real-estate footprint
Registered office, Huy · 1 establishment unit since 2001
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 du Marais 704500 HuyGround area
327 m²
Building footprint
42 m²
Volume, LiDAR
318 m³
Parcel 61031B0689/00S004, Wallonia · tallest building 8.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Marais 70, 4500 Huy
since 20012.096.943.921
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61031B0689/00S004 | Wallonia | 327 m² | 1 · 42 m² | 8.6 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900A4YBPPBXSKHM05
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Machielsen & Partners
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,479 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2001
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.