Summary
Conclusion
the dossier summarised in one paragraphIEPERCOOL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.50M and a net result of €551k. Its solvency ranks better than 25% of 498 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
2 signals · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 498 sector peers (2025).
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-04-2026, 95 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 27-04-2026 | 95 d early | 2026-00088980 |
| 31-12-2024 | 31-07-2025 | 18-08-2025 | 18 d late | 2025-00383559 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€1.50M+58.0%
Net result€551k+22.3%
Total assets€7.59M+0.8%
Solvency19.8%+7.2pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 27-04-2026 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 19.8% | 43.2% | |
| Net result | €551k | €68k | |
| Equity | €1.50M | €492k | |
| Gross operating margin | €298k | €83k | |
| Total assets | €7.59M | €1.58M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€551k
+22.3%
24-25
€7.59M
+0.8%
24-25
€1.50M
+58.0%
24-25
€6.09M
-7.5%
24-25
€1.03M
+74.5%
24-25
€4.96M
-17.0%
24-25
19.8%
+56.7%
24-25
36.7%
-22.6%
24-25
7.3%
+21.3%
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €551k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €7.59M |
| Equity | €1.50M |
| Debt | €6.09M |
| of which ≤ 1y | €1.03M |
| of which > 1y | €4.96M |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 19.8% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 7.3% |
| ROE | 36.7% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €7.59M |
| Fixed assets | 21/28 | €6.95M |
| Financial fixed assets | 28 | €6.95M |
| Current assets | 29/58 | €639k |
| Amounts receivable within one year | 40/41 | €41k |
| Investments | 50/53 | €500k |
| Cash & bank | 54/58 | €98k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €7.59M |
| Equity | 10/15 | €1.50M |
| Contributions / capital | 10/11 | €500k |
| Reserves | 13 | €1.00M |
| Amounts payable | 17/49 | €6.09M |
| Amounts payable after one year | 17 | €4.96M |
| Amounts payable within one year | 42/48 | €1.03M |
| Trade debts payable within one year | 44 | €36k |
| Income statement | ||
| Gross operating margin | 9900 | €298k |
| Operating result | 9901 | €298k |
| Financial income | 75 | €485k |
| Financial charges | 65 | €232k |
| Result before taxes | 9903 | €551k |
| Net result for the period | 9904 | €551k |
| Result to be appropriated | 9905 | €551k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Directors
Directors & mandates
under verificationDirectors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (24082851). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
BFM BVLegal entityDirector· perm. rep.: Benoit FabryState Gazette act 24082851 (31-05-2024)Current11-01-2024 → present
-
Feys-Pattyn BVLegal entityDirectorState Gazette act 24082851 (31-05-2024)Current11-01-2024 → present
2 events
- 11-01-2024 Appointed· Director
- 11-01-2024 Appointed· Daily management
-
Overcool BVLegal entityDirectorState Gazette act 24082851 (31-05-2024)Current11-01-2024 → present
Former directors (1)
-
ATventures BVLegal entityDirectorState Gazette act 24082851 (31-05-2024)Former- → 11-01-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 19-12-2023 |
| Status | Active |
| Postal code | 3090 |
Structure & network
Locations & real estate
Establishment units
1 locationIEPERCOOL
since 20242.354.864.347
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,533 m²
Buildings1
Building footprint1,119 m²
Volume (LiDAR)5,531 m³
Tallest building7.9 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062N0041/02Z035 | Flanders | 3,533 m² | 1 · 1,119 m² | 7.9 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 2 years ago
2024
31-05-2024 4 directors appointed, 1 resigning
- Overcool BV, Bestuurder
- Feys-Pattyn BV, Bestuurder
- Benoit Fabry, Bestuurder
- Feys-Pattyn BV, Dagelijks bestuur
- ATventures BV, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axes69
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
16
Growth
78
Stability
82
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
| Legal nameNL | IEPERCOOL |
Registered office
Brusselsesteenweg 430
3090 Overijse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.