I.S.S.
ActiveThe file of I.S.S. contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The 2025 annual accounts show equity of €213k and a net result of €2k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 41% of 1475 sector peers (fiscal year 2025).
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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-05-2026, 20 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
20 d late
2024
2 d late
2023
1 d early
2022
18 d early
2021
1 d early
2020
7 d late
2019
91 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€213k▲ 0.9%
2024 · €211k
2018: €185k
2019: €190k
2020: €194k
2021: €199k
2022: €203k
2023: €207k
2024: €211k
2018 → 2025
Net result
€2k▼ 49.0%
2024 · €4k
2018: €10k
2019: €4k
2020: €5k
2021: €5k
2022: €4k
2023: €4k
2024: €4k
2018 → 2025
Total assets
€695k▲ 14.9%
2024 · €605k
2018: €642k
2019: €703k
2020: €612k
2021: €598k
2022: €615k
2023: €591k
2024: €605k
2018 → 2025
Solvency
30.6%▼ 4.2pp
2024 · 34.9%
2018: 28.9%
2019: 27.0%
2020: 31.8%
2021: 33.3%
2022: 33.0%
2023: 35.0%
2024: 34.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€199k-€203k▲ 1.9%€207k▲ 2.0%€211k▲ 1.9%€213k▲ 0.9%
Operating result€25k-€21k▼ 13.6%€22k▲ 4.3%€22k▼ 0.8%€20k▼ 7.1%
Net result€5k-€4k▼ 16.4%€4k▲ 8.0%€4k▼ 6.3%€2k▼ 49.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 7% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €695k
Fixed assets
€240k ▼ 5.4%
Current assets
€455k ▲ 29.6%
Equity and liabilities €695k
Equity
€213k ▲ 0.9%
Debt
€482k ▲ 22.4%
Debt's share of the balance-sheet total rises from 65.1% to 69.4%. Equity and debt are higher.
Key figures and ratios
ROE
0.9%▼
2024 · 1.8%
ROA
0.3%▼
2024 · 0.6%
Debt ≤ 1 year
€402k▲
2024 · €291k
Debt > 1 year
€79k▼
2024 · €101k
Income taxes
€5k▲
2024 · €4k
Staff costs
€140k▲
2024 · €133k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€605k€695k▲
Fixed assets21/28€254k€240k▼
Tangible fixed assets22/27€254k€240k▼
Land and buildings22€254k€240k▼
Current assets29/58€351k€455k▲
Amounts receivable within one year40/41€232k€328k▲
Trade receivables40€231k€327k▲
Other amounts receivable41€969€1k▲
Cash at bank and in hand54/58€48€36▼
Deferred charges and accrued income490/1€119k€127k▲
Equity and liabilities
Total equity and liabilities10/49€605k€695k▲
Equity10/15€211k€213k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€23k€23k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€125k€127k▲
Amounts payable17/49€394k€482k▲
Amounts payable after more than one year17€101k€79k▼
Financial debts170/4€101k€79k▼
Amounts payable within one year42/48€291k€402k▲
Current portion of amounts payable after more than one year42€23k€23k▲
Trade debts44€108k€97k▼
Suppliers440/4€108k€97k▼
Taxes, remuneration and social security45€108k€113k▲
Taxes450/3€51k€52k▲
Remuneration and social security454/9€57k€61k▲
Other amounts payable47/48€53k€169k▲
Accrued charges and deferred income492/3€900€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€133k€140k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€14k▼
Other operating charges640/8€11k€16k▲
Gross operating margin9900€185k€191k▲
Operating profit (loss)9901€22k€20k▼
Financial income75/76B€684€766▲
Recurring financial income75€684€766▲
Financial charges65/66B€15k€15k▼
Recurring financial charges65€15k€15k▼
Profit (loss) for the period before taxes9903€8k€7k▼
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€125k€127k▲
Profit (loss) brought forward from the previous period14P€121k€125k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (5 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
30-09
Financial
Weakest financial yearnet €2k ▼49%
Net result drops to €2k, the lowest in the series.
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 2 days late
2024
24-12
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · I.S.S. NV LIJSTERBOLSTRAAT 16, 2550 KONTICH · event 19-12-2024
26-11
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · I.S.S. NV LIJSTERBOL- STRAAT 16, 2550 KONTICH · event 14-11-2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
12-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Equity above €200kEq €203k ▲1.9%
5 profitable years in a row build equity to €203k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 7 days late
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
12-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Kontich · 1 establishment unit since 1992
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.
Lijsterbolstraat 162550 KontichGround area
860 m²
Building footprint
279 m²
Volume, LiDAR
2,134 m³
Parcel 11602E0017/00D002, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lijsterbolstraat 16, 2550 Kontich
since 19922.059.654.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602E0017/00D002 | Flanders | 860 m² | 1 · 279 m² | 11.4 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | TOMAS BRUNEEL MUSEUMSTRAAT 31-33,
2000 ANTWERPEN 1 |
14-11-2024 → 19-12-2024 |
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 165 EUR awarded · 165 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 165 EUR | 165 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,810 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
Founded13-11-1992
Fiscal year end30-09
Activities, NACEBEL 2025
66220Insurance agents and brokers
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.