IDYL
ActiveIDYL has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.71M and a net result of €224k. Equity is growing by ~45.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 7983 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-12
Solvency96▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 3.34 against 3.09 in 2024; short-term debt: 29.1% and cash: 18.3% of total assets), and 29.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
70.9%
Return on assets
4.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
18 d late
2024
17 d early
2023
14 d early
2022
41 d early
2021
61 d late
2020
23 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.71M▲ 6.4%
2024 · €3.48M
2020: €-375k
2021: €-786k
2022: €-1.15M
2023: €3.11M
2024: €3.48M
2020 → 2025
Total assets
€5.23M▲ 3.3%
2024 · €5.06M
2020: €300k
2021: €561k
2022: €1.39M
2023: €3.89M
2024: €5.06M
2020 → 2025
Net result
€224k▼ 39.2%
2024 · €368k
2020: €-394k
2021: €-410k
2022: €-368k
2023: €1.77M
2024: €368k
2020 → 2025
Working capital
€3.56M▲ 7.7%
2024 · €3.30M
2020: €-417k
2021: €218k
2022: €-102k
2023: €3.04M
2024: €3.30M
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-786k-€-1.15M▼ 46.8%€3.11M€3.48M▲ 11.8%€3.71M▲ 6.4%
Operating result€-267k-€68k€2.45M▲ 3,501%€564k▼ 77.0%€555k▼ 1.6%
Net result€-410k-€-368k▲ 10.3%€1.77M€368k▼ 79.2%€224k▼ 39.2%
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 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.23M
Fixed assets
€146k▼ 18.0%
Current assets
€5.08M▲ 4.1%
Equity and liabilities €5.23M
Equity
€3.71M▲ 6.4%
Debt
€1.52M▼ 3.5%
The debt ratio falls from 31.2% to 29.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€592k▼
2024 · €599k
Cash flow
€262k▼
2024 · €403k
Solvency
70.9%▲
2024 · 68.8%
Current ratio
3.34▲
2024 · 3.09
Quick ratio
1.69▲
2024 · 1.22
Debt / equity
0.41▼
2024 · 0.45
ROE
6.0%▼
2024 · 10.6%
ROA
4.3%▼
2024 · 7.3%
Interest coverage
1.52▼
2024 · 2.53
Debt
€1.52M▼
2024 · €1.58M
Debt ≤ 1 year
€1.52M▼
2024 · €1.58M
Income taxes
€89k▼
2024 · €138k
Staff costs
€314k▼
2024 · €407k
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€5.06M€5.23M▲
Fixed assets21/28€179k€146k▼
Intangible fixed assets21€12k€8k▼
Tangible fixed assets22/27€149k€119k▼
Plant, machinery and equipment23€60k€41k▼
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26€82k€73k▼
Financial fixed assets28€17k€19k▲
Current assets29/58€4.88M€5.08M▲
Stocks and contracts in progress3€2.96M€2.51M▼
Stocks30/36€2.96M€2.51M▼
Amounts receivable within one year40/41€1.55M€1.56M▲
Trade receivables40€1.54M€1.46M▼
Other amounts receivable41€3k€96k▲
Cash at bank and in hand54/58€330k€958k▲
Deferred charges and accrued income490/1€42k€52k▲
Equity and liabilities
Total equity and liabilities10/49€5.06M€5.23M▲
Equity10/15€3.48M€3.71M▲
Contributions10/11€2.52M€2.52M=
Reserves13€961k€1.19M▲
Distributable reserves133€961k€1.19M▲
Amounts payable17/49€1.58M€1.52M▼
Amounts payable within one year42/48€1.58M€1.52M▼
Financial debts43€35k€136k▲
Credit institutions430/8€35k€136k▲
Trade debts44€1.30M€840k▼
Suppliers440/4€1.30M€840k▼
Taxes, remuneration and social security45€247k€546k▲
Taxes450/3€232k€527k▲
Remuneration and social security454/9€15k€19k▲
Income statement
Code20242025
Remuneration, social security and pensions62€407k€314k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€38k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€1.01M€908k▼
Operating profit (loss)9901€564k€555k▼
Financial income75/76B€179k€149k▼
Recurring financial income75€179k€149k▼
Financial charges65/66B€236k€391k▲
Recurring financial charges65€236k€391k▲
Profit (loss) for the period before taxes9903€506k€313k▼
Income taxes67/77€138k€89k▼
Profit (loss) for the period9904€368k€224k▼
Profit (loss) for the period to be appropriated9905€368k€224k▼
Appropriation of the result
Profit (loss) to be appropriated9906€368k€224k▼
Transfer to equity691/2€368k€224k▼
To other reserves6921€368k€224k▼
Social balance
Average headcount (FTE)90877.05.8▼
The notes to these accounts (11 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €1.77M
Net result €1.77M after 3 loss-making years.
31-12
Financial
Liquidity times 5current ratio 4.90
Current ratio from 0.93 to 4.90; short-term debt falls from €1.42M to €780k.
31-12
Financial
Equity above €2MEq €3.11M
Equity rises from €-1.15M to €3.11M.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €-410k
Net result drops to €-410k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.70
Current ratio from 0.38 to 1.70; short-term debt falls from €672k to €313k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Antwerpen · 2 establishment units since 2019
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.
Hoveniersstraat 512018 AntwerpenGround area
3,770 m²
Building footprint
2,512 m²
Volume, LiDAR
63,496 m³
2 parcels, Flanders · tallest building 41.6 m, ±10 floors. Linked by address, not a title deed.
2 establishment units
IDYL
since 20192.292.454.448
IDYL
since 20242.361.302.771
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1182/00F018 | Flanders | 2,937 m² | 1 · 2,012 m² | 41.6 m · 10 fl. |
| 11810K2750/00E003 | Flanders | 833 m² | 1 · 500 m² | 32.0 m · 10 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
699400W5KM5BK6KC3414
Similar companies · same sector, comparable size
FRANSSEN
BE 0415.755.361
Hasselt · Eq €3.74M
Bloch en Co
BE 0455.128.255
Antwerpen · Eq €3.75M
SIMA DIAMOND
BE 0437.668.057
Antwerpen · Eq €3.85M
Premier Diamond Corporation
BE 0404.981.730
Antwerpen · Eq €3.92M
Pandora Jewellery Belgium
BE 0674.533.248
Antwerpen · Eq €3.43M
Of 567 companies in sector 46480 we hold annual accounts for 353. 96 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-2019
Fiscal year end31-12
Activities, NACEBEL
46480Wholesale trade
47770Retail sale of watches and jewellery
32123Manufacture of jewellery
46150Agents in the wholesale of furniture, household goods and hardware
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.