IJSTAARTENHUIS
ActiveThe computed 12-month bankruptcy probability of IJSTAARTENHUIS is 2.2% (moderate). The annual accounts of IJSTAARTENHUIS for fiscal year 2025 show a net loss of 88% of the equity at the start of that year. The 2025 annual accounts show equity of €475 and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 800 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-16
Solvency25▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.06 against 0.68 in 2024; short-term debt: 54.5% and cash: 23.5% of total assets), and 99.6% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0.4%
Return on assets
-2.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 800 sector peers (2025).
NBB · sector comparisonPosition among 800 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-03-2026, 143 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
143 d early
2024
43 d early
2023
56 d early
2022
55 d early
2021
41 d early
2020
51 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€475▼ 87.7%
2024 · €4k
2020: €24k
2021: €4k
2022: €7k
2023: €-12k
2024: €4k
2020 → 2025
Total assets
€121k▼ 22.9%
2024 · €157k
2020: €291k
2021: €249k
2022: €233k
2023: €167k
2024: €157k
2020 → 2025
Net result
€-3k
2024 · €16k
2020: €19k
2021: €-19k
2022: €3k
2023: €-19k
2024: €16k
2020 → 2025
Working capital
€4k
2024 · €-37k
2020: €-88k
2021: €-102k
2022: €-80k
2023: €-77k
2024: €-37k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€7k▲ 74.2%€-12k€4k€475▼ 87.7%
Operating result€-16k-€7k€-16k€19k€-2k
Net result€-19k-€3k€-19k€16k€-3k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €19k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€51k▼ 36.9%
Current assets
€70k▼ 8.2%
Equity and liabilities €121k
Equity
€475▼ 87.7%
Debt
€121k▼ 21.2%
The debt ratio rises from 97.5% to 99.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€30k▼
2024 · €59k
Cash flow
€29k▼
2024 · €56k
Solvency
0.4%▼
2024 · 2.5%
Current ratio
1.06▲
2024 · 0.68
Quick ratio
0.70▲
2024 · 0.50
ROA
-2.8%▼
2024 · 10.0%
Interest coverage
16.66▼
2024 · 23.96
Debt
€121k▼
2024 · €153k
Debt ≤ 1 year
€66k▼
2024 · €114k
Debt > 1 year
€55k▲
2024 · €40k
Income taxes
€336▼
2024 · €371
Equity ratios withheld: equity of €475 is too small for a meaningful ratio.
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€157k€121k▼
Fixed assets21/28€81k€51k▼
Tangible fixed assets22/27€81k€51k▼
Land and buildings22€56k€47k▼
Plant, machinery and equipment23€6k€2k▼
Furniture and vehicles24€19k€2k▼
Current assets29/58€77k€70k▼
Stocks and contracts in progress3€20k€24k▲
Stocks30/36€20k€24k▲
Amounts receivable within one year40/41€28k€15k▼
Trade receivables40€28k€14k▼
Other amounts receivable41-€156
Cash at bank and in hand54/58€27k€29k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€157k€121k▼
Equity10/15€4k€475▼
Contributions10/11€5k€5k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€-20k€-23k▼
Amounts payable17/49€153k€121k▼
Amounts payable after more than one year17€40k€55k▲
Financial debts170/4€40k€55k▲
Amounts payable within one year42/48€114k€66k▼
Current portion of amounts payable after more than one year42€16k€10k▼
Trade debts44€14k€14k▼
Suppliers440/4€14k€14k▼
Advances received on contracts in progress46€100€100=
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€1k▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€81k€36k▼
Income statement
Code20242025
Remuneration, social security and pensions62€-54-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€32k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€289
Other operating charges640/8€624€607▼
Gross operating margin9900€59k€31k▼
Operating profit (loss)9901€19k€-2k▼
Financial income75/76B€10€397▲
Recurring financial income75€10€397▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€16k€-3k▼
Income taxes67/77€371€336▼
Profit (loss) for the period9904€16k€-3k▼
Profit (loss) for the period to be appropriated9905€16k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-23k▼
Profit (loss) brought forward from the previous period14P€-35k€-20k▲
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
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-19k ▼204%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
10-06
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
1 act for this company is 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, Zoersel · 1 establishment unit since 2020
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.
Sint Martinusstraat 642980 ZoerselGround area
1,465 m²
Building footprint
164 m²
Volume, LiDAR
891 m³
Parcel 11017B0089/00R000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IJSTAARTENHUIS
since 20202.300.768.041
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017B0089/00R000 | Flanders | 1,465 m² | 1 · 164 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 191 EUR awarded · 191 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 191 EUR | 191 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteZoersel2.300.768.041
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Of 611 companies in sector 10520 we hold annual accounts for 236. 10 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2020
Fiscal year end31-12
Activities, NACEBEL
10520Manufacture of food products
10712Artisanal bread and fresh pastry making
68121Development of residential building projects
47241Retail sale of bread and pastry (bakery outlets)
71121Engineering and related technical consultancy, excluding land surveyors
90393Specialised image, lighting and sound technical services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.