IMRAY
InactiveNo longer registered with the KBO since 27-05-2026; last annual accounts for fiscal year 2024.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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
30 d late
2023
152 d late
2022
84 d late
2021
88 d late
2020
61 d late
2019
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€125k▼ 7.2%
2023 · €134k
2018: €53k
2019: €63k
2020: €89k
2021: €109k
2022: €108k
2023: €134k
2018 → 2024
Total assets
€140k▲ 1.3%
2023 · €138k
2018: €87k
2019: €94k
2020: €94k
2021: €111k
2022: €117k
2023: €138k
2018 → 2024
Net result
€338▼ 98.7%
2023 · €26k
2018: €16k
2019: €9k
2020: €26k
2021: €18k
2022: €-1k
2023: €26k
2018 → 2024
Working capital
€124k▼ 6.8%
2023 · €133k
2018: €41k
2019: €59k
2020: €84k
2021: €106k
2022: €106k
2023: €133k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€89k-€109k▲ 23.3%€108k▼ 0.9%€134k▲ 24.1%€125k▼ 7.2%
Operating result€38k-€29k▼ 24.5%€4k▼ 86.7%€26k▲ 592%€15k▼ 41.7%
Net result€26k-€18k▼ 28.7%€-1k€26k€338▼ 98.7%
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 2024; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €140k
Fixed assets
€1k▼ 34.5%
Current assets
€139k▲ 1.8%
Equity and liabilities €140k
Equity
€125k▼ 7.2%
Debt
€15k▲ 308%
The debt ratio rises from 2.7% to 10.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€16k▼
2023 · €27k
Cash flow
€991▼
2023 · €27k
Solvency
89.2%▼
2023 · 97.3%
Current ratio
9.17▼
2023 · 36.93
Quick ratio
9.17▼
2023 · 36.93
Debt / equity
0.12▲
2023 · 0.03
ROE
0.3%▼
2023 · 19.4%
ROA
0.2%▼
2023 · 18.9%
Interest coverage
47.64▼
2023 · 91.71
Debt
€15k▲
2023 · €4k
Debt ≤ 1 year
€15k▲
2023 · €4k
Income taxes
€15k▲
2023 · €-106
Staff costs
€193
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€138k€140k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€944€291▼
Furniture and vehicles24€944€291▼
Financial fixed assets28€950€950=
Current assets29/58€136k€139k▲
Amounts receivable within one year40/41€97k€96k▼
Trade receivables40€19k€20k▲
Other amounts receivable41€78k€76k▼
Cash at bank and in hand54/58€38k€42k▲
Deferred charges and accrued income490/1€2k€640▼
Equity and liabilities
Total equity and liabilities10/49€138k€140k▲
Equity10/15€134k€125k▼
Contributions10/11€3k€3k=
Reserves13€61k€61k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€61k€61k=
Profit (loss) carried forward14€70k€61k▼
Amounts payable17/49€4k€15k▲
Amounts payable within one year42/48€4k€15k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€935€1k▲
Taxes450/3€935€1k▲
Other amounts payable47/48-€10k
Accrued charges and deferred income492/3€20€0▼
Income statement
Code20232024
Remuneration, social security and pensions62-€193
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€653€653=
Other operating charges640/8€968€2k▲
Gross operating margin9900€28k€18k▼
Operating profit (loss)9901€26k€15k▼
Financial income75/76B€2€109▲
Recurring financial income75€2€109▲
Financial charges65/66B€294€336▲
Recurring financial charges65€294€336▲
Profit (loss) for the period before taxes9903€26k€15k▼
Income taxes67/77€-106€15k▲
Profit (loss) for the period9904€26k€338▼
Profit (loss) for the period to be appropriated9905€26k€338▼
Appropriation of the result
Profit (loss) to be appropriated9906€95k€71k▼
Profit (loss) brought forward from the previous period14P€69k€70k▲
Transfer to equity691/2€25k€0▼
To other reserves6921€25k€0▼
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 152 days late
2023
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 36.93
Current ratio from 13.95 to 36.93; short-term debt falls from €8k to €4k.
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 84 days late
2022
31-12
Financial
Weakest financial yearnet €-1k ▼105%
Net result drops to €-1k, the lowest in the series.
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 88 days late
2021
31-12
Financial
Liquidity times 6current ratio 93.47
Current ratio from 16.68 to 93.47; short-term debt falls from €5k to €1k.
31-12
Financial
Equity above €100kEq €109k ▲23.3%
4 profitable years in a row build equity to €109k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Liquidity times 6current ratio 16.68
Current ratio from 2.89 to 16.68; short-term debt falls from €31k to €5k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
30-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 152 days late
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 121 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lasne
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.
Chemin du Bois Magonette 201380 LasneGround area
1,890 m²
Building footprint
154 m²
Volume, LiDAR
1,013 m³
Parcel 25076G0283/00L000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076G0283/00L000 | Wallonia | 1,890 m² | 1 · 154 m² | 8.5 m · 2 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2009
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.