IVAN EN ANNY MAES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.61M and a net result of €-239. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 95% of 7980 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
29 d early
2022
5 d early
2021
4 d early
2020
30 d early
2019
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.61M=
2024 · €1.61M
2019: €1.68M
2020: €1.69M
2021: €1.69M
2022: €1.63M
2023: €1.62M
2024: €1.61M
2019 → 2025
Net result
€-239▲ 98.2%
2024 · €-13k
2019: €15k
2020: €12k
2021: €7k
2022: €-6k
2023: €-11k
2024: €-13k
2019 → 2025
Total assets
€1.61M▼ 0.3%
2024 · €1.62M
2019: €1.73M
2020: €1.72M
2021: €1.71M
2022: €1.69M
2023: €1.64M
2024: €1.62M
2019 → 2025
Solvency
99.5%▲ 0.3pp
2024 · 99.2%
2019: 97.2%
2020: 98.2%
2021: 98.7%
2022: 96.5%
2023: 98.8%
2024: 99.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.69M-€1.63M▼ 3.5%€1.62M▼ 0.7%€1.61M▼ 0.8%€1.61M=
Operating result€14k-€-5k€-10k▼ 96.8%€-14k▼ 38.0%€-3k▲ 78.8%
Net result€7k-€-6k€-11k▼ 95.3%€-13k▼ 19.2%€-239▲ 98.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €14k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.61M
Fixed assets
€299k▼ 1.6%
Current assets
€1.32M=
Equity and liabilities €1.61M
Equity
€1.61M=
Debt
€8k▼ 37.5%
The debt ratio falls from 0.8% to 0.5%. Debt is lower.
Key figures and ratios
Solvency
99.5%▲
2024 · 99.2%
ROE
0.0%▲
2024 · -0.8%
ROA
0.0%▲
2024 · -0.8%
Debt
€8k▼
2024 · €13k
Debt ≤ 1 year
€7k▼
2024 · €12k
A ratio outside any meaningful range has been withheld (balance sheet total €1.61M, equity €1.61M).
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€1.62M€1.61M▼
Fixed assets21/28€304k€299k▼
Tangible fixed assets22/27€301k€296k▼
Other tangible fixed assets26€301k€296k▼
Financial fixed assets28€3k€3k=
Current assets29/58€1.32M€1.32M=
Stocks and contracts in progress3€1.22M€1.22M=
Stocks30/36€1.22M€1.22M=
Amounts receivable within one year40/41€48k€50k▲
Trade receivables40€8k€7k▼
Other amounts receivable41€40k€43k▲
Cash at bank and in hand54/58€44k€41k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€1.62M€1.61M▼
Equity10/15€1.61M€1.61M=
Contributions10/11€1.39M€1.39M=
Reserves13€218k€218k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€218k€218k▼
Amounts payable17/49€13k€8k▼
Amounts payable within one year42/48€12k€7k▼
Trade debts44€6k€918▼
Suppliers440/4€6k€918▼
Taxes, remuneration and social security45€408€270▼
Taxes450/3€408€270▼
Other amounts payable47/48€6k€6k=
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€5k€4k▼
Gross operating margin9900€-4k€6k▲
Operating profit (loss)9901€-14k€-3k▲
Financial income75/76B€789€3k▲
Recurring financial income75€789€3k▲
Financial charges65/66B€324€329▲
Recurring financial charges65€324€329▲
Profit (loss) for the period before taxes9903€-13k€-239▲
Income taxes67/77€0-
Profit (loss) for the period9904€-13k€-239▲
Profit (loss) for the period to be appropriated9905€-13k€-239▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-239▲
Transfer from equity791/2€13k€239▼
The notes to these accounts (6 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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 68.92
Current ratio from 23.42 to 68.92; short-term debt falls from €59k to €19k.
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
03-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Koksijde · 1 establishment unit since 2009
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.
Zonstraat(Kok) 58670 KoksijdeGround area
2,219 m²
Building footprint
291 m²
Volume, LiDAR
1,360 m³
Parcel 38343A0863/00R013, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IVAN EN ANNY MAES
since 20092.185.694.169
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38343A0863/00R013 | Flanders | 2,219 m² | 1 · 291 m² | 9.0 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 11,543 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2009
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
68321Property management for co-owned buildings (syndics)
68322Real estate activities
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.