Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 62 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
If and Co from Walcourt, company number BE0871551928, closed financial year 2025 with a result of € 9,376 after tax. For that financial year If and Co recorded a gross margin of € 14,902 and equity of € -2,703. Compared with financial year 2024, the result moved from € -21,809 to € 9,376. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 2, 2026.
€ -2,703
▼ € 6,824 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 9,376
▲ still € 21,809 loss in 2024
Profit after tax over the fiscal year.
€ 3,567
▲ 45% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 16,200 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 9,271
▼ 24% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1,890
▼ 52% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 7,786 | € 4,969 | € -19,690 | € 14,902 | ▲ € 34,592 |
| Profit after taxes | € 4,159 | € -2,195 | € -21,809 | € 9,376 | ▲ € 31,185 |
| Equity | € 28,126 | € 25,931 | € 4,121 | € -2,703 | ▼ € 6,824 |
| Total debts | € 19,362 | € 15,148 | € 30,197 | € 39,653 | ▲ 31% |
| Cash | € 6,361 | - | € 2,454 | € 3,567 | ▲ 45% |
| Retained profit | € 11,926 | € 9,731 | € -12,079 | € -18,903 | ▼ € 6,824 |
| Dividend | € 0 | € 0 | € 0 | € 16,200 | |
| Bank debt | € 0 | € 2,530 | € 2,623 | € 0 | ▼ 100% |
| Balance sheet total | € 47,488 | € 41,079 | € 34,319 | € 36,950 | ▲ 8% |
Key figures of If and Co, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to If and Co?
What happened at If and Co in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 9,376. Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Mettet. KBO
- Vincent FRANCOIS became a director. NBB
In short
From € 4,159 profit in 2022 to € 9,376 profit in 2025.
Paid € 7,489 in corporate taxes since 2022.
Best year ever: 2025, with € 9,376 profit.
Paid out € 16,200 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Vincent FRANCOIS
Director
since 2005
Establishments
Establishment units
Physical locations of this company
Rue sous le Château(Wal) 7
5650 Walcourt
Rue Albert Ier 66
5640 Mettet
Active since 27 January 2005
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0871.551.928
- VAT number
- BE 0871.551.928
- Registered office
- Rue sous le Château(Wal) 7, 5650 Walcourt
- Names & denominations
- If and Co
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 31 January 2005
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
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