IPM ADVICE

Active

Private limited companyfounded 201115 yrs activeRue du Petit-Champ 7, 1450 Chastre, BelgiumKBO/BCE: BE 0833.482.396

IPM ADVICE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €75k and a net result of €26k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

58 / 100

Fair▼ -31 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency34▼-34

Growth52▼-26

Stability100

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 short (current ratio 0.67 against 1.25 in 2023), and 73.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

26.7%

Return on assets

9.3%

Age of the figures

20 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 37972 sector peers (2024).

NBB · sector comparison

Position among 37972 sector peers

Solvency

better than 25%

← weakest strongest →

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €75k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

51 d early

2023

42 d early

2022

25 d early

2021

16 d early

2020

22 d early

2019

17 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€75k▲ 53.1%

2023 · €49k

2018: €12k 2019: €9k 2020: €7k 2021: €7k 2022: €7k 2023: €49k

2018 → 2024

Total assets

€281k▲ 135%

2023 · €119k

2018: €31k 2019: €32k 2020: €42k 2021: €42k 2022: €39k 2023: €119k

2018 → 2024

Net result

€26k▼ 37.5%

2023 · €42k

2018: €33k 2019: €33k 2020: €42k 2021: €33k 2022: €27k 2023: €42k

2018 → 2024

Working capital

€-12k

2023 · €17k

2018: €10k 2019: €649 2020: €2k 2021: €6k 2022: €6k 2023: €17k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€7k-€7k▼ 1.6%€7k▲ 2.7%€49k▲ 570%€75k▲ 53.1%

Operating result€54k-€42k▼ 20.7%€37k▼ 14.1%€55k▲ 50.8%€47k▼ 14.7%

Net result€42k-€33k▼ 20.1%€27k▼ 18.5%€42k▲ 52.9%€26k▼ 37.5%

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 15% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €281k

91.0%

Fixed assets €255k▲ 712%

Current assets €25k▼ 71.2%

Equity and liabilities €281k

26.7%

73.3%

Equity €75k▲ 53.1%

Debt €206k▲ 191%

The debt ratio rises from 59.1% to 73.3%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

EBITDA

€90k▲

2023 · €57k

Cash flow

€69k▲

2023 · €43k

Solvency

26.7%▼

2023 · 40.9%

Current ratio

0.67▼

2023 · 1.25

Quick ratio

0.67▼

2023 · 1.25

Debt / equity

2.75▲

2023 · 1.44

ROE

34.7%▼

2023 · 85.1%

ROA

9.3%▼

2023 · 34.8%

Interest coverage

10.11▼

2023 · 78.54

Debt

€206k▲

2023 · €71k

Debt ≤ 1 year

€38k▼

2023 · €71k

Debt > 1 year

€168k

Income taxes

€12k▼

2023 · €13k

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€119k€281k▲

Fixed assets21/28€31k€255k▲

Tangible fixed assets22/27€31k€255k▲

Land and buildings22-€244k

Furniture and vehicles24€6k€11k▲

Assets under construction and advance payments27€25k-

Current assets29/58€88k€25k▼

Cash at bank and in hand54/58€88k€25k▼

Deferred charges and accrued income490/1€171-

Equity and liabilities

Total equity and liabilities10/49€119k€281k▲

Equity10/15€49k€75k▲

Contributions10/11€7k€7k=

Reserves13-€26k

Distributable reserves133-€26k

Profit (loss) carried forward14€42k€42k▲

Amounts payable17/49€71k€206k▲

Amounts payable after more than one year17-€168k

Financial debts170/4-€168k

Amounts payable within one year42/48€71k€38k▼

Current portion of amounts payable after more than one year42€3k€20k▲

Trade debts44€1k€865▼

Suppliers440/4€1k€865▼

Taxes, remuneration and social security45€12k€10k▼

Taxes450/3€12k€10k▼

Other amounts payable47/48€54k€6k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€43k▲

Other operating charges640/8€1k€2k▲

Gross operating margin9900€58k€92k▲

Operating profit (loss)9901€55k€47k▼

Financial charges65/66B€724€9k▲

Recurring financial charges65€724€9k▲

Profit (loss) for the period before taxes9903€54k€38k▼

Income taxes67/77€13k€12k▼

Profit (loss) for the period9904€42k€26k▼

Profit (loss) for the period to be appropriated9905€42k€26k▼

Appropriation of the result

Profit (loss) to be appropriated9906€42k€68k▲

Profit (loss) brought forward from the previous period14P€300€42k▲

Transfer to equity691/2-€26k

To other reserves6921-€26k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

2025

10-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €26k ▼37.5%

Net result drops to €26k, the lowest in the series.

19-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

06-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

15-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

09-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Highest result since 2018net €42k ▲26.3%

Net result €42k, the highest in the series.

17-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 17 days late

2019

13-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

25-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

17-07

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

11-07

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.

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, Chastre · 1 establishment unit since 2011

establishment The establishment unit on the map

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 du Petit-Champ 71450 Chastre

Ground area

1,593 m²

Building footprint

208 m²

Volume, LiDAR

1,334 m³

Parcel 25032C0224/00M000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

IPM ADVICE

Rue du Petit-Champ 7, 1450 ChastreAgents in non-specialised wholesale trade

since 20112.195.989.928

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25032C0224/00M000	Wallonia	1,593 m²	1 · 208 m²	8.2 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.

Similar companies · same sector, comparable size

OLVARO

BE 0759.729.437

Chaumont-Gistoux · Eq €75k

JONI MAGI

BE 0535.852.051

Maasmechelen · Eq €75k

STEVEN HANNES SERVICES

BE 1005.466.663

Mol · Eq €75k

Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 39,767 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded31-01-2011

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 14 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.