Improve your adaptive management for durability
ActiveImprove your adaptive management for durability has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €27k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 59% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency90▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.96 against 3.15 in 2024; short-term debt: 33.7% and cash: 7.9% of total assets), and 35.1% of the assets are financed with debt.
Credit advice 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
64.9%
Return on assets
25%
Age of the figures
9 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 31-08-2026, 31 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
31 d late
2024
29 d late
2023
61 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
152 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 26.4%
2024 · €56k
2018: €81k
2019: €100k
2020: €104k
2021: €117k
2022: €139k
2023: €164k
2024: €56k
2018 → 2025
Total assets
€109k▲ 29.9%
2024 · €84k
2018: €101k
2019: €118k
2020: €123k
2021: €135k
2022: €156k
2023: €188k
2024: €84k
2018 → 2025
Net result
€27k▼ 38.7%
2024 · €44k
2018: €22k
2019: €19k
2020: €4k
2021: €13k
2022: €22k
2023: €25k
2024: €44k
2018 → 2025
Working capital
€72k▲ 26.6%
2024 · €57k
2018: €75k
2019: €97k
2020: €102k
2021: €114k
2022: €137k
2023: €163k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€117k-€139k▲ 18.9%€164k▲ 17.9%€56k▼ 65.9%€71k▲ 26.4%
Operating result€13k-€27k▲ 112%€30k▲ 8.7%€54k▲ 81.4%€28k▼ 47.6%
Net result€13k-€22k▲ 76.1%€25k▲ 12.4%€44k▲ 78.6%€27k▼ 38.7%
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 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€315▼ 51.3%
Current assets
€109k▲ 30.5%
Equity and liabilities €109k
Equity
€71k▲ 26.4%
Debt
€38k▲ 36.7%
The debt ratio rises from 33.4% to 35.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28k▼
2024 · €54k
Cash flow
€28k▼
2024 · €45k
Solvency
64.9%▼
2024 · 66.6%
Current ratio
2.96▼
2024 · 3.15
Quick ratio
2.96▼
2024 · 3.15
Debt / equity
0.54▲
2024 · 0.50
ROE
38.6%▼
2024 · 79.5%
ROA
25.0%▼
2024 · 53.0%
Interest coverage
453.11▼
2024 · 662.52
Debt
€38k▲
2024 · €28k
Debt ≤ 1 year
€37k▲
2024 · €26k
Income taxes
€5k▼
2024 · €11k
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€84k€109k▲
Fixed assets21/28€647€315▼
Tangible fixed assets22/27€647€315▼
Plant, machinery and equipment23€647€315▼
Current assets29/58€83k€109k▲
Amounts receivable within one year40/41€69k€99k▲
Trade receivables40€20k€6k▼
Other amounts receivable41€49k€93k▲
Cash at bank and in hand54/58€12k€9k▼
Deferred charges and accrued income490/1€2k€954▼
Equity and liabilities
Total equity and liabilities10/49€84k€109k▲
Equity10/15€56k€71k▲
Contributions10/11€19k€19k=
Reserves13€37k€52k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€35k€50k▲
Amounts payable17/49€28k€38k▲
Amounts payable within one year42/48€26k€37k▲
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€13k€14k▲
Other amounts payable47/48€9k€22k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€508€332▼
Other operating charges640/8€952€986▲
Gross operating margin9900€55k€29k▼
Operating profit (loss)9901€54k€28k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€82€63▼
Recurring financial charges65€82€63▼
Profit (loss) for the period before taxes9903€55k€32k▼
Income taxes67/77€11k€5k▼
Profit (loss) for the period9904€44k€27k▼
Profit (loss) for the period to be appropriated9905€44k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€188k€27k▼
Profit (loss) brought forward from the previous period14P€144k-
Transfer to equity691/2€35k€15k▼
To other reserves6921€35k€15k▼
Profit to be distributed694/7€153k€13k▼
Return on contributions (dividend)694€144k-
Directors or managers695€9k€13k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €44k ▲78.6%
Operating result €54k, net result €44k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Equity above €150kEq €164k ▲17.9%
6 profitable years in a row build equity to €164k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €4k ▼77.6%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 152 days late
2019
31-12
Financial
Equity above €100kEq €100k ▲23.4%
2 profitable years in a row build equity to €100k.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Walcourt · 1 establishment unit since 2015
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 de Norgimont(Lan) 95651 WalcourtGround area
2,058 m²
Building footprint
88 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
iam4D
since 20152.242.597.240
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93037A0364/00A000 | Wallonia | 1,820 m² | - | - |
| 93037B0571/00E002 | Wallonia | 238 m² | 1 · 88 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 39,682 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-05-2015
Fiscal year end31-12
Abbreviation FR
iam4D
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:dd.iam4d@gmail.com
Phone:0479/01.97.95