IPOCKET
ActiveSummary
IPOCKET has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €126k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 7% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency28▼-49
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.79 in 2024; short-term debt: 89.2% and cash: 70.1% of total assets), and 97.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
2.9%
Return on assets
48.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
8 d early
2024
26 d late
2023
30 d early
2022
35 d early
2021
20 d early
2020
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 84.0%
2024 · €48k
2020: €17k
2021: €26k
2022: €37k
2023: €94k
2024: €48k
2020 → 2025
Total assets
€261k▲ 180%
2024 · €93k
2020: €118k
2021: €120k
2022: €117k
2023: €159k
2024: €93k
2020 → 2025
Net result
€126k▲ 202%
2024 · €42k
2020: €11k
2021: €9k
2022: €11k
2023: €57k
2024: €42k
2020 → 2025
Working capital
€16k▼ 53.6%
2024 · €34k
2020: €-2k
2021: €-5k
2022: €-10k
2023: €92k
2024: €34k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€37k▲ 44.2%€94k▲ 154%€48k▼ 49.1%€8k▼ 84.0%
Operating result€13k-€17k▲ 28.5%€55k▲ 229%€61k▲ 10.3%€173k▲ 185%
Net result€9k-€11k▲ 29.3%€57k▲ 403%€42k▼ 27.0%€126k▲ 202%
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 185% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€12k ▼ 23.4%
Current assets
€249k ▲ 223%
Equity and liabilities €261k
Equity
€8k ▼ 84.0%
Debt
€253k ▲ 462%
Debt's share of the balance-sheet total rises from 48.4% to 97.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€177k▲
2024 · €63k
Cash flow
€130k▲
2024 · €44k
Current ratio
1.07▼
2024 · 1.79
Debt to equity
32.95▲
2024 · 0.94
ROA
48.4%▲
2024 · 44.9%
Interest coverage
102.45▲
2024 · 18.04
Debt ≤ 1 year
€233k▲
2024 · €43k
Income taxes
€45k▲
2024 · €16k
A ratio outside any meaningful range has been withheld (balance sheet total €261k, equity €8k).
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€93k€261k▲
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€16k€12k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€14k€10k▼
Current assets29/58€77k€249k▲
Amounts receivable within one year40/41€35k€60k▲
Trade receivables40€31k€56k▲
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€32k€183k▲
Deferred charges and accrued income490/1€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€93k€261k▲
Equity10/15€48k€8k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€42k€1k▼
Amounts payable17/49€45k€253k▲
Amounts payable within one year42/48€43k€233k▲
Trade debts44€4k€9k▲
Suppliers440/4€4k€9k▲
Advances received on contracts in progress46-€22k
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Remuneration and social security454/9€9-
Other amounts payable47/48€32k€190k▲
Accrued charges and deferred income492/3€2k€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€311€411▲
Gross operating margin9900€63k€178k▲
Operating profit (loss)9901€61k€173k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€57k€172k▲
Income taxes67/77€16k€45k▲
Profit (loss) for the period9904€42k€126k▲
Profit (loss) for the period to be appropriated9905€42k€126k▲
Appropriation of the result
Profit (loss) to be appropriated9906€130k€168k▲
Profit (loss) brought forward from the previous period14P€88k€42k▼
Profit to be distributed694/7€88k€167k▲
Return on contributions (dividend)694€88k€167k▲
The notes to these accounts (8 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €126k ▲202%
Operating result €173k, net result €126k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 2.41
Current ratio from 0.59 to 2.41.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €9k ▼18.1%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2019
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.
Baarleboslaan 179031 GentGround area
620 m²
Building footprint
152 m²
Volume, LiDAR
696 m³
Parcel 44017D1413/00C000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Baarleboslaan 17, 9031 Gent
since 20192.293.582.024
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017D1413/00C000 | Flanders | 619 m² | 1 · 152 m² | 7.0 m · 1 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
LEGALLIN
BE 0783.898.669
Huldenberg · Eq €7,657
XAMAN
BE 0798.700.968
Elsene · Eq €7,727
TRIARII Justitia
BE 0743.896.463
Ciney · Eq €7,637
WOETS
BE 0762.461.768
Dilbeek · Eq €7,602
COGITAMUS ERGO...
BE 0817.320.020
Elsene · Eq €7,568
Of 2,762 companies in sector 69109 we hold annual accounts for 1,208. 540 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
Founded23-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:inepocket@icloud.com