IMPACT
ActiveSummary
IMPACT has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.13M and a net result of €489k. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 5989 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 4.43 against 2.95 in 2023; short-term debt: 21.5% and cash: 48.1% of total assets), and 21.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
78.5%
Return on assets
33.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-10-2025, 75 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
not confirmed
2024
75 d late
2023
77 d late
2022
60 d late
2021
37 d early
2020
11 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€489k▲ 62.7%
2023 · €301k
2018: €31k
2019: €75k
2020: €206k
2021: €159k
2022: €187k
2023: €301k
2018 → 2024
Working capital
€1.06M▲ 76.4%
2023 · €602k
2018: €97k
2019: €137k
2020: €278k
2021: €370k
2022: €482k
2023: €602k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€338k-€438k▲ 29.3%€550k▲ 25.6%€684k▲ 24.5%€1.13M▲ 65.6%
Operating result€273k-€223k▼ 18.3%€259k▲ 15.9%€408k▲ 57.9%€672k▲ 64.6%
Net result€206k-€159k▼ 22.8%€187k▲ 17.5%€301k▲ 60.7%€489k▲ 62.7%
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 65% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.44M
Fixed assets
€71k ▼ 21.7%
Current assets
€1.37M ▲ 50.7%
Equity and liabilities €1.44M
Equity
€1.13M ▲ 65.6%
Debt
€310k ▼ 2.2%
Debt's share of the balance-sheet total falls from 31.6% to 21.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€706k▲
2023 · €442k
Cash flow
€523k▲
2023 · €334k
Current ratio
4.43▲
2023 · 2.95
Quick ratio
4.19▲
2023 · 2.73
Debt to equity
0.27▼
2023 · 0.46
ROE
43.2%▼
2023 · 43.9%
ROA
33.9%▲
2023 · 30.0%
Interest coverage
118.08▼
2023 · 154.35
Debt ≤ 1 year
€310k▲
2023 · €308k
Income taxes
€198k▲
2023 · €122k
Staff costs
€214k▲
2023 · €148k
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 · 2024 against 2023 · 56 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.00M€1.44M▲
Fixed assets21/28€91k€71k▼
Tangible fixed assets22/27€88k€68k▼
Furniture and vehicles24€88k€68k▼
Financial fixed assets28€3k€3k=
Current assets29/58€910k€1.37M▲
Stocks and contracts in progress3€68k€73k▲
Stocks30/36€68k€73k▲
Amounts receivable within one year40/41€492k€598k▲
Trade receivables40€397k€511k▲
Other amounts receivable41€96k€86k▼
Cash at bank and in hand54/58€345k€694k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.00M€1.44M▲
Equity10/15€684k€1.13M▲
Contributions10/11€6k€6k=
Reserves13€600k€971k▲
Tax-exempt reserves132€259k€347k▲
Distributable reserves133€342k€624k▲
Profit (loss) carried forward14€78k€156k▲
Amounts payable17/49€317k€310k▼
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€308k€310k▲
Current portion of amounts payable after more than one year42€9k€6k▼
Trade debts44€104k€103k▼
Suppliers440/4€104k€103k▼
Taxes, remuneration and social security45€89k€110k▲
Taxes450/3€70k€81k▲
Remuneration and social security454/9€19k€29k▲
Other amounts payable47/48€106k€90k▼
Accrued charges and deferred income492/3€3k-
Income statement
Code20232024
Non-recurring operating income76A€47€1k▲
Remuneration, social security and pensions62€148k€214k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€33k▼
Other operating charges640/8€7k€7k▼
Gross operating margin9900€597k€928k▲
Operating profit (loss)9901€408k€672k▲
Financial income75/76B€18k€20k▲
Recurring financial income75€18k€20k▲
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€423k€687k▲
Income taxes67/77€122k€198k▲
Profit (loss) for the period9904€301k€489k▲
Transfer from tax-exempt reserves789-€122k
Transfer to tax-exempt reserves689€63k€211k▲
Profit (loss) for the period to be appropriated9905€237k€401k▲
Appropriation of the result
Profit (loss) to be appropriated9906€313k€478k▲
Profit (loss) brought forward from the previous period14P€75k€78k▲
Transfer from equity791/2€31k€40k▲
Transfer to equity691/2€100k€322k▲
To other reserves6921€100k€322k▲
Profit to be distributed694/7€166k€40k▼
Return on contributions (dividend)694€166k€40k▼
Social balance
Average headcount (FTE)90872.32.9▲
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
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 75 days late
2024
31-12
Financial
Highest result since 2018net €489k ▲62.7%
Operating result €672k, net result €489k, both a record.
31-12
Financial
Equity above €1MEq €1.13M ▲65.6%
7 profitable years in a row build equity to €1.13M.
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 77 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 60 days late
2022
31-12
Financial
Equity above €500kEq €550k ▲25.6%
5 profitable years in a row build equity to €550k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €338k ▲109%
3 profitable years in a row build equity to €338k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €162k ▲45%
2 profitable years in a row build equity to €162k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Show earlier events
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
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
Directors
1 act for this company is 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, Chaudfontaine · 1 establishment unit since 1986
Ground area
2,718 m²
Building footprint
351 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Avenue de Thiervaux 2, 4802 Verviers
since 19862.034.570.149
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0462/00N012 | Wallonia | 1,428 m² | 1 · 203 m² | - |
| 62030C0208/00L000 | Wallonia | 1,290 m² | 1 · 148 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
HYSOP
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BIOCODEX Benelux
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VITA NOVA SUPRA
BE 0836.699.531
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Medicor International
BE 0840.369.495
Rotselaar · Eq €1,104,516
ORTHOMEDICS
BE 0473.017.530
Wetteren · Eq €1,163,871
Of 1,897 companies in sector 46460 we hold annual accounts for 1,116. 747 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
Founded25-10-1986
Fiscal year end31-12
Activities, NACEBEL 2025
46460Wholesale of pharmaceutical and medical goods
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.