I & S Consult
ActiveI & S Consult has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €-102k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 3170 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency74▼-4
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days only on tighter terms
Liquidity short (current ratio 0.81 against 1.0 in 2024), and 24.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
75.1%
Return on assets
-7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€102k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
5 d late
2023
2 d early
2022
18 d early
2021
51 d early
2020
66 d early
2019
67 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-102k▲ 6.8%
2024 · €-109k
2018: €145k
2019: €83k
2020: €85k
2021: €175k
2022: €132k
2023: €370k
2024: €-109k
2018 → 2025
Working capital
€-22k▼ 4,668%
2024 · €-463
2018: €135k
2019: €113k
2020: €54k
2021: €217k
2022: €331k
2023: €103k
2024: €-463
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€947k-€1.08M▲ 14.0%€1.30M▲ 20.8%€1.19M▼ 8.4%€1.09M▼ 8.5%
Operating result€260k-€197k▼ 24.3%€84k▼ 57.5%€-99k€-86k▲ 13.0%
Net result€175k-€132k▼ 24.4%€370k▲ 180%€-109k€-102k▲ 6.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €86k in 2025 against €99k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€1.36M▼ 0.9%
Current assets
€93k▼ 39.5%
Equity and liabilities €1.45M
Equity
€1.09M▼ 8.5%
Debt
€363k▲ 8.8%
The debt ratio rises from 21.8% to 24.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-53k▲
2024 · €-63k
Cash flow
€-68k▲
2024 · €-73k
Solvency
75.1%▼
2024 · 78.2%
Current ratio
0.81▼
2024 · 1.00
Quick ratio
0.81▼
2024 · 1.00
Debt / equity
0.33▲
2024 · 0.28
ROE
-9.3%▼
2024 · -9.1%
ROA
-7.0%▲
2024 · -7.2%
Interest coverage
-3.41▲
2024 · -4.99
Debt
€363k▲
2024 · €333k
Debt ≤ 1 year
€115k▼
2024 · €154k
Debt > 1 year
€247k▲
2024 · €178k
Income taxes
€415▲
2024 · €220
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€1.53M€1.45M▼
Fixed assets21/28€1.37M€1.36M▼
Tangible fixed assets22/27€657k€646k▼
Land and buildings22€649k€632k▼
Plant, machinery and equipment23€3k€13k▲
Furniture and vehicles24€5k€0▼
Financial fixed assets28€716k€716k=
Current assets29/58€153k€93k▼
Amounts receivable within one year40/41€1k€922▼
Trade receivables40€0€20▲
Other amounts receivable41€1k€902▼
Current investments50/53€50k€0▼
Cash at bank and in hand54/58€100k€91k▼
Deferred charges and accrued income490/1€2k€913▼
Equity and liabilities
Total equity and liabilities10/49€1.53M€1.45M▼
Equity10/15€1.19M€1.09M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€12k€12k=
Reserves13€1.12M€1.02M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€38k€38k=
Distributable reserves133€1.08M€975k▼
Amounts payable17/49€333k€363k▲
Amounts payable after more than one year17€178k€247k▲
Financial debts170/4€40k€25k▼
Other amounts payable178/9€138k€222k▲
Amounts payable within one year42/48€154k€115k▼
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€47k€5k▼
Taxes450/3€47k€5k▼
Other amounts payable47/48€88k€90k▲
Accrued charges and deferred income492/3€1k€958▼
Income statement
Code20242025
Non-recurring operating income76A€0€2k▲
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€34k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€9k€7k▼
Gross operating margin9900€-54k€-46k▲
Operating profit (loss)9901€-99k€-86k▲
Financial income75/76B€3k€487▼
Recurring financial income75€3k€487▼
Non-recurring financial income76B€0-
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€-109k€-101k▲
Income taxes67/77€220€415▲
Profit (loss) for the period9904€-109k€-102k▲
Profit (loss) for the period to be appropriated9905€-109k€-102k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-109k€-102k▲
Transfer from equity791/2€109k€102k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (18 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 5 days late
2024
31-12
Financial
Weakest financial yearnet €-109k ▼130%
Net result drops to €-109k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €370k ▲180%
Net result €370k, the highest in the series.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.08M ▲14%
5 profitable years in a row build equity to €1.08M.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
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, Waregem · 1 establishment unit since 2000
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.
Langveld 128790 WaregemGround area
1,321 m²
Building footprint
255 m²
Volume, LiDAR
1,253 m³
Parcel 34452B0484/00E000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Langveld 12, 8790 Waregem
since 20002.097.471.283
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34452B0484/00E000 | Flanders | 1,321 m² | 1 · 255 m² | 8.9 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.
Similar companies · same sector, comparable size
ZAROLL
BE 0441.538.852
Pelt · Eq €1.09M
M.A.C.J.
BE 0792.546.913
Visé · Eq €1.09M
ALL BUILDING PROMOTIONS
BE 0460.230.059
Sint-Martens-Latem · Eq €1.09M
TH Project & Management
BE 0830.704.931
Elsene · Eq €1.09M
Recolis
BE 1019.377.552
Thuin · Eq €1.09M
Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 26,770 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-06-2000
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
68201Renting and operating of own or leased residential real estate, excluding social housing
70322
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.