I-solv-IT
ActiveI-solv-IT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €32k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 31% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-5
Solvency61▲+10
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.09 in 2024; short-term debt: 27.4% and cash: 9.7% of total assets), and 64.3% 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 62
Relative position
BE, all sectors
reference
Sector 62
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
35.7%
Return on assets
9.8%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €115k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
7 d early
2023
32 d early
2022
34 d early
2021
30 d early
2020
31 d early
2019
35 d early
← before the deadline
after the deadline →
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
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 32.6%
2024 · €87k
2018: €106k
2019: €117k
2020: €104k
2021: €83k
2022: €91k
2023: €41k
2024: €87k
2018 → 2025
Total assets
€322k▼ 3.7%
2024 · €334k
2018: €137k
2019: €154k
2020: €456k
2021: €411k
2022: €309k
2023: €328k
2024: €334k
2018 → 2025
Net result
€32k▼ 31.1%
2024 · €46k
2018: €22k
2019: €12k
2020: €-13k
2021: €-21k
2022: €7k
2023: €-50k
2024: €46k
2018 → 2025
Working capital
€42k▲ 353%
2024 · €9k
2018: €114k
2019: €124k
2020: €106k
2021: €54k
2022: €63k
2023: €-11k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€91k▲ 8.9%€41k▼ 55.3%€87k▲ 113%€115k▲ 32.6%
Operating result€-15k-€13k€-49k€49k€48k▼ 2.5%
Net result€-21k-€7k€-50k€46k€32k▼ 31.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €322k
Fixed assets
€191k▼ 11.8%
Current assets
€131k▲ 11.3%
Equity and liabilities €322k
Equity
€115k▲ 32.6%
Debt
€207k▼ 16.4%
The debt ratio falls from 74.1% to 64.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€76k▼
2024 · €77k
Cash flow
€60k▼
2024 · €73k
Solvency
35.7%▲
2024 · 25.9%
Current ratio
1.48▲
2024 · 1.09
Quick ratio
1.48▲
2024 · 1.09
Debt / equity
1.80▼
2024 · 2.86
ROE
27.6%▼
2024 · 53.1%
ROA
9.8%▼
2024 · 13.8%
Interest coverage
10.01▼
2024 · 13.63
Debt
€207k▼
2024 · €248k
Debt ≤ 1 year
€88k▼
2024 · €108k
Debt > 1 year
€119k▼
2024 · €140k
Income taxes
€9k▲
2024 · €254
Staff costs
€54k▲
2024 · €52k
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€334k€322k▼
Fixed assets21/28€217k€191k▼
Intangible fixed assets21€418€0▼
Tangible fixed assets22/27€217k€191k▼
Land and buildings22€137k€129k▼
Plant, machinery and equipment23€10k€9k▼
Furniture and vehicles24€15k€13k▼
Leasing and similar rights25€51k€38k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€117k€131k▲
Amounts receivable within one year40/41€51k€42k▼
Trade receivables40€51k€41k▼
Other amounts receivable41€791€982▲
Current investments50/53€48k€53k▲
Cash at bank and in hand54/58€13k€31k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€334k€322k▼
Equity10/15€87k€115k▲
Contributions10/11€12k€12k=
Reserves13€105k€103k▼
Distributable reserves133€105k€103k▼
Profit (loss) carried forward14€-31k€-581▲
Amounts payable17/49€248k€207k▼
Amounts payable after more than one year17€140k€119k▼
Financial debts170/4€140k€119k▼
Amounts payable within one year42/48€108k€88k▼
Current portion of amounts payable after more than one year42€38k€23k▼
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€16k€17k▲
Taxes450/3€12k€13k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€50k€42k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€52k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€28k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€132k€134k▲
Operating profit (loss)9901€49k€48k▼
Financial income75/76B€3k€361▼
Recurring financial income75€3k€361▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€46k€41k▼
Income taxes67/77€254€9k▲
Profit (loss) for the period9904€46k€32k▼
Profit (loss) for the period to be appropriated9905€46k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€1k▲
Profit (loss) brought forward from the previous period14P€-77k€-31k▲
Transfer from equity791/2-€2k
Profit to be distributed694/7-€4k
Other beneficiaries697-€4k
The notes to these accounts (9 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €100kEq €115k ▲32.6%
2 profitable years in a row build equity to €115k.
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-50k ▼773%
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-03
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
3 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, Kluisbergen · 2 establishment units since 2005
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.
Doveleen 49690 KluisbergenGround area
3,002 m²
Building footprint
957 m²
Volume, LiDAR
4,262 m³
2 parcels, Flanders · tallest building 19.0 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
I-solv-IT
since 20052.144.987.229
I-solv-IT
since 20212.314.226.097
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34003A3179/00F002 | Flanders | 2,296 m² | 1 · 847 m² | 19.0 m · 1 fl. |
| 45043B0452/00H000 | Flanders | 707 m² | 1 · 110 m² | 7.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 6,079 EUR awarded · 6,079 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 157 EUR | 157 EUR |
| 2024 | 1 | 1,193 EUR | 1,193 EUR |
| 2023 | 1 | 2,663 EUR | 2,663 EUR |
| 2022 | 1 | 2,066 EUR | 2,066 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 15,522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2005
Fiscal year end30-09
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.