I&S

Active

Private limited companyfounded 20206 yrs activeOude Hoogstraat 15, 3665 As, BelgiumKBO/BCE: BE 0747.663.726

The computed 12-month bankruptcy probability of I&S is 2.4% (moderate). The 2025 annual accounts show equity of €128k and a net result of €112k. Equity is growing by ~121.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 26547 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent▲ +6 vs 2024

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

Axes · tick = 2024

Profitability100=

Solvency99▲+31

Growth78=

Stability100

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €13k at 30 days acceptable

Liquidity ample (current ratio 2.63 against 1.51 in 2024), and 37.6% 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

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

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

62.4%

Return on assets

54.7%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

52 d early

2024

79 d early

2023

72 d early

2022

36 d early

2021

7 d early

← 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 2025, micro schema

Equity

€128k▲ 143%

2024 · €53k

2022: €15k 2023: €11k 2024: €53k

2022 → 2025

Total assets

€205k▲ 42.0%

2024 · €144k

2022: €76k 2023: €68k 2024: €144k

2022 → 2025

Net result

€112k▲ 161%

2024 · €43k

2022: €12k 2023: €-4k 2024: €43k

2022 → 2025

Working capital

€95k▲ 208%

2024 · €31k

2022: €9k 2023: €3k 2024: €31k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€15k-€11k▼ 26.3%€53k▲ 366%€128k▲ 143%

Operating result€14k-€-2k€64k€170k▲ 166%

Net result€12k-€-4k€43k€112k▲ 161%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 166% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €205k

25.3%

74.7%

Fixed assets €52k▼ 1.9%

Current assets €153k▲ 67.5%

Equity and liabilities €205k

62.4%

37.6%

Equity €128k▲ 143%

Debt €77k▼ 15.8%

The debt ratio falls from 63.5% to 37.6%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€195k▲

2024 · €77k

Cash flow

€137k▲

2024 · €56k

Solvency

62.4%▲

2024 · 36.5%

Current ratio

2.63▲

2024 · 1.51

Quick ratio

2.63▲

2024 · 1.51

Debt / equity

0.60▼

2024 · 1.74

ROE

87.8%▲

2024 · 81.6%

ROA

54.7%▲

2024 · 29.8%

Interest coverage

11.33▼

2024 · 11.48

Debt

€77k▼

2024 · €91k

Debt ≤ 1 year

€58k▼

2024 · €60k

Debt > 1 year

€18k▼

2024 · €31k

Income taxes

€41k▲

2024 · €14k

Staff costs

€236k▲

2024 · €78k

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

Total assets 20/58€144k€205k▲

Fixed assets 21/28€53k€52k▼

Tangible fixed assets 22/27€53k€52k▼

Current assets 29/58€91k€153k▲

Amounts receivable within one year 40/41€79k€93k▲

Cash & bank 54/58€7k€43k▲

Total equity & liabilities 10/49€144k€205k▲

Equity 10/15€53k€128k▲

Contributions / capital 10/11€5k€5k=

Reserves 13€48k€123k▲

Amounts payable 17/49€91k€77k▼

Amounts payable after one year 17€31k€18k▼

Amounts payable within one year 42/48€60k€58k▼

Trade debts payable within one year 44€15k€11k▼

Income statement Code20242025

Gross operating margin 9900€157k€436k▲

Operating result 9901€64k€170k▲

Financial income 75€9€338▲

Financial charges 65€7k€17k▲

Result before taxes 9903€57k€153k▲

Income taxes 67/77€14k€41k▲

Net result for the period 9904€43k€112k▲

Result to be appropriated 9905€43k€112k▲

Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

2026

09-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2022net €112k ▲161%

Operating result €170k, net result €112k, both a record.

31-12

Financial Equity above €100kEq €128k ▲143%

2 profitable years in a row build equity to €128k.

2024

13-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

30-06

Financial Back to profitnet €43k

Net result €43k after one loss-making year.

2023

20-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

30-06

Financial Weakest financial yearnet €-4k ▼134%

Net result drops to €-4k, the lowest in the series; recovery starts the following year.

2022

26-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

24-01

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.