Summary
ImpaktEU 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 €19.21M and a net result of €329k. Equity is growing by ~85.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 2394 sector peers (fiscal year 2025). The company has been active since 2022 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
40 d early
2024
3 d early
2023
42 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€19.21M▲ 110%
2024 · €9.16M
2023: €3.62M
2024: €9.16M
2023 → 2025
Net result
€329k▲ 258%
2024 · €92k
2023: €-146k
2024: €92k
2023 → 2025
Total assets
€19.52M▲ 113%
2024 · €9.17M
2023: €3.67M
2024: €9.17M
2023 → 2025
Solvency
98.4%▼ 1.5pp
2024 · 99.9%
2023: 98.6%
2024: 99.9%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€3.62M-€9.16M▲ 153%€19.21M▲ 110%
Operating result€-157k-€-285k▼ 82.1%€-472k▼ 65.3%
Net result€-146k-€92k€329k▲ 258%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €472k in 2025 against €285k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19.37M
Fixed assets
€450k =
Current assets
€18.92M ▲ 122%
Equity and liabilities €19.52M
Equity
€19.21M ▲ 110%
Debt
€311k ▲ 2,349%
Debt's share of the balance-sheet total rises from 0.1% to 1.6%. Equity and debt are higher.
Key figures and ratios
ROE
1.7%▲
2024 · 1.0%
ROA
1.7%▲
2024 · 1.0%
Debt ≤ 1 year
€11k▼
2024 · €13k
Debt > 1 year
€300k
Income taxes
€477
A ratio outside any meaningful range has been withheld (balance sheet total €19.52M, equity €19.21M).
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9.17M€19.52M▲
Formation expenses20€197k€150k▼
Fixed assets21/28€450k€450k=
Financial fixed assets28€450k€450k=
Current assets29/58€8.53M€18.92M▲
Amounts receivable after more than one year29€5.45M€13.63M▲
Other amounts receivable291€5.45M€13.63M▲
Amounts receivable within one year40/41€509k€1.17M▲
Trade receivables40-€12k
Other amounts receivable41€509k€1.15M▲
Current investments50/53€1.00M€3.50M▲
Cash at bank and in hand54/58€1.54M€553k▼
Deferred charges and accrued income490/1€28k€72k▲
Equity and liabilities
Total equity and liabilities10/49€9.17M€19.52M▲
Equity10/15€9.16M€19.21M▲
Contributions10/11€9.21M€18.94M▲
Capital10€9.21M€18.94M▲
Issued capital100€15.36M€23.67M▲
Uncalled capital101€6.14M€4.73M▼
Reserves13-€14k
Non-distributable reserves130/1-€14k
Legal reserve130-€14k
Profit (loss) carried forward14€-54k€261k▲
Amounts payable17/49€13k€311k▲
Amounts payable after more than one year17-€300k
Financial debts170/4-€300k
Amounts payable within one year42/48€13k€11k▼
Trade debts44€12k€10k▼
Suppliers440/4€12k€10k▼
Taxes, remuneration and social security45€499€477▼
Taxes450/3€499€477▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€47k▲
Other operating charges640/8€33k€55k▲
Gross operating margin9900€-223k€-369k▼
Operating profit (loss)9901€-285k€-472k▼
Financial income75/76B€404k€932k▲
Recurring financial income75€404k€932k▲
Financial charges65/66B€26k€131k▲
Recurring financial charges65€26k€131k▲
Profit (loss) for the period before taxes9903€92k€329k▲
Income taxes67/77-€477
Profit (loss) for the period9904€92k€329k▲
Profit (loss) for the period to be appropriated9905€92k€329k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€275k▲
Profit (loss) brought forward from the previous period14P€-146k€-54k▲
Transfer to equity691/2-€14k
To the legal reserve6920-€14k
The notes to these accounts (4 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
18-09
State Gazette act
Resignation: P4Management (director)Appointment: Christiane Malcorps (director) · Permanent representative: Bruno DUNKEL5 facts ▸
State Gazette act
Resignation: P4Management (director)
Appointment: Christiane Malcorps (director) · Permanent representative: Bruno DUNKEL5 facts ▸
- Board meeting, 23-06-2026
- Director resignation, P4Management (director)
- Director appointment, Christiane Malcorps (director)
- Permanent representative, Bruno DUNKEL (permanent representative)
- Director in office, Inpulse Investment Manager (daily management delegate)
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Highest result since 2023net €329k ▲258%
Net result €329k, the highest in the series.
30-06
Financial
Liquidity triplescurrent ratio 1731.45
Current ratio from 671.67 to 1731.45; short-term debt falls from €13k to €11k.
30-06
Financial
Equity above €10MEq €19.21M ▲110%
2 profitable years in a row build equity to €19.21M.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Back to profitnet €92k
Net result €92k after one loss-making year.
30-06
Financial
Liquidity times 9current ratio 671.67
Current ratio from 72.29 to 671.67; short-term debt falls from €50k to €13k.
30-06
Financial
Equity above €5MEq €9.16M ▲153%
Equity rises from €3.62M to €9.16M.
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Christiane Malcorps
CurrentDirector · since 18-09-2026
18-09-2026
Christiane Malcorps: Appointed as Director
18-09-2026
P4Management: Resigned as Director
Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 2022
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.
Gachardstraat 881050 ElseneGround area
1,666 m²
Parcel 21807G0149/00W000, Brussels. Linked by address, not a title deed.
1 establishment unit
ImpaktEU
since 20222.350.041.566
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0149/00W000 | Brussels | 1,666 m² | - | - |
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.
Structure & network
Connections & network
8 connected companiesLinked via shared directors
via Christiane Malcorps · Director
→
via Christiane Malcorps · Director
→
via Christiane Malcorps · Director
→
via Christiane Malcorps · Independent director
→
Show 4 more companies with a shared director
via Christiane Malcorps · Director
former→
via Christiane Malcorps · Director
former→
via Christiane Malcorps · Director
former→
via Christiane Malcorps · Director
former→
Public money · subsidies and aid
European Union, budget
2024 · 2 entries · 20,919 EUR in total| Year | Entries | awarded |
|---|---|---|
| 2024 | 2 | 20,919 EUR |
Projects
MKSFFG - A FRANCO-BELGIAN ALLIANCE : CATALYTIC CAPITAL DRIVING IMPACT
Recognitions · licences · registrations
Legal Entity Identifier
98450075783C474TU540
Similar companies · same sector, comparable size
AUTOFIN
BE 0418.217.379
Brussel · Eq €20.38M
INVESTSUD
BE 0424.971.945
Marche-en-Famenne · Eq €17.31M
CREA - INVEST
BE 0462.931.312
Gent · Eq €21.62M
extend holding
BE 0567.701.111
Elsene · Eq €21.97M
Mastercard Transaction Services (Europe)
BE 0549.987.921
Waterloo · Eq €16.25M
Of 807 companies in sector 64999 we hold annual accounts for 484. 83 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 formPublic limited company
Founded05-09-2022
Fiscal year end30-06
Activities, NACEBEL 2025
64999Other financial services
64310Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.