IMART
ActiveSummary
IMART has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €776k and a net result of €193k. Equity is growing by ~41.3% per year across the filed fiscal years. Its solvency ranks better than 89% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 9.5 against 10.56 in 2024; short-term debt: 10.5% and cash: 47.1% of total assets), and 10.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
89.5%
Return on assets
22.3%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
33 d early
2023
18 d early
2022
41 d early
2021
40 d early
2020
22 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€776k▲ 15.5%
2024 · €672k
2018: €58k
2019: €127k
2020: €164k
2021: €203k
2022: €337k
2023: €475k
2024: €672k
2018 → 2025
Total assets
€867k▲ 16.9%
2024 · €742k
2018: €166k
2019: €226k
2020: €264k
2021: €308k
2022: €416k
2023: €582k
2024: €742k
2018 → 2025
Net result
€193k▼ 1.9%
2024 · €197k
2018: €93k
2019: €128k
2020: €98k
2021: €99k
2022: €134k
2023: €175k
2024: €197k
2018 → 2025
Working capital
€772k▲ 15.9%
2024 · €666k
2018: €56k
2019: €127k
2020: €163k
2021: €202k
2022: €334k
2023: €468k
2024: €666k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€203k-€337k▲ 65.8%€475k▲ 40.8%€672k▲ 41.5%€776k▲ 15.5%
Operating result€129k-€190k▲ 47.4%€246k▲ 29.5%€279k▲ 13.2%€281k▲ 0.7%
Net result€99k-€134k▲ 34.7%€175k▲ 30.6%€197k▲ 12.8%€193k▼ 1.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €867k
Fixed assets
€4k ▼ 30.8%
Current assets
€863k ▲ 17.3%
Equity and liabilities €867k
Equity
€776k ▲ 15.5%
Debt
€91k ▲ 30.3%
Debt's share of the balance-sheet total rises from 9.4% to 10.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€282k▲
2024 · €281k
Cash flow
€195k▼
2024 · €199k
Current ratio
9.50▼
2024 · 10.56
Debt to equity
0.12▲
2024 · 0.10
ROE
24.9%▼
2024 · 29.3%
ROA
22.3%▼
2024 · 26.6%
Interest coverage
168.22▼
2024 · 196.40
Debt ≤ 1 year
€91k▲
2024 · €70k
Income taxes
€92k▼
2024 · €94k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€742k€867k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€50€50=
Current assets29/58€736k€863k▲
Amounts receivable within one year40/41€276k€234k▼
Trade receivables40€105k€127k▲
Other amounts receivable41€171k€107k▼
Current investments50/53€0€200k▲
Cash at bank and in hand54/58€434k€409k▼
Deferred charges and accrued income490/1€26k€20k▼
Equity and liabilities
Total equity and liabilities10/49€742k€867k▲
Equity10/15€672k€776k▲
Contributions10/11€19k€0▼
Reserves13€653k€776k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€653k€776k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€70k€91k▲
Amounts payable within one year42/48€70k€91k▲
Trade debts44€40k€59k▲
Suppliers440/4€40k€59k▲
Taxes, remuneration and social security45€30k€32k▲
Taxes450/3€30k€32k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€282k€284k▲
Operating profit (loss)9901€279k€281k▲
Financial income75/76B€14k€7k▼
Recurring financial income75€14k€7k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€291k€286k▼
Income taxes67/77€94k€92k▼
Profit (loss) for the period9904€197k€193k▼
Profit (loss) for the period to be appropriated9905€197k€193k▼
Appropriation of the result
Profit (loss) to be appropriated9906€197k€193k▼
Transfer from equity791/2€0€71k▲
Transfer to equity691/2€197k€193k▼
To other reserves6921€197k€193k▼
Profit to be distributed694/7€0€71k▲
Return on contributions (dividend)694€0€71k▲
The notes to these accounts (10 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
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €197k ▲12.8%
Net result €197k, the highest in the series.
30-09
Financial
Equity above €500kEq €672k ▲41.5%
7 profitable years in a row build equity to €672k.
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €203k ▲24%
4 profitable years in a row build equity to €203k.
08-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €150kEq €164k ▲29.7%
3 profitable years in a row build equity to €164k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €100kEq €127k ▲118%
2 profitable years in a row build equity to €127k.
Show earlier events
10-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Kortrijk · 1 establishment unit since 1990
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.
Engelse Wandeling(Mar) 768510 KortrijkGround area
1,317 m²
Building footprint
325 m²
Volume, LiDAR
2,147 m³
Parcel 34026A0490/00N000, Flanders · tallest building 8.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Engelse Wandeling(Mar) 76, 8510 Kortrijk
since 19902.049.705.218
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0490/00N000 | Flanders | 1,317 m² | 1 · 325 m² | 8.5 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
894500V2GOCL3JG1HN50
Similar companies · same sector, comparable size
VANDUYSE/LOWATAG
BE 0814.779.709
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THIELEMANS
BE 0452.616.054
Diest · Eq €771k
AGERTI
BE 0400.512.802
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WEARHOUSE BELGIUM
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Of 1,275 companies in sector 46160 we hold annual accounts for 685. 352 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
Founded20-09-1990
Fiscal year end30-09
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.