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Io

Active
Private limited companyfounded 1990active for 36 yearsKronenburgstraat 104, 2000 Antwerpen, BelgiumKBO/BCE: BE 0440.351.096
Summary

Io has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€15,018) and a net result of €23,441. Equity is growing by about 11% per year across the filed financial years. Its solvency ranks better than 9% of 38,998 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Overview

Activity
Business and other management consultancy
NACE 70200
1 site
Size
€291,390total assets 2025
Equity
-€15,018
Profit
€23,441
Turnover not published (micro format)
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Structure
Accounts filed 60 days late0 of 4 deeds read
Why 53raises riskCapped at 59: negative equityLiquidity: current ratio 1.34, cash €452Latest accounts 60 days late; 1 of the last 3 latelowers riskSize: total assets €291,390Founded in 1990Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 13% of its sector peers (NACE 70, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 20+11
equity -5.2% of total assets
Liquidity 22-5
short-term debt 54.9% · cash 0.2%
Profitability 50-12
return on assets 8.0%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,305 companies, NACE 70, micro)
Last 24 months 11-2024: 0.9% 12-2024: 0.2%▼ -0.7 percentage points vs 11-2024lowest value 01-2025: 0.3%▲ +0.1 percentage points vs 12-2024 02-2025: 0.4%▲ +0.1 percentage points vs 01-2025 03-2025: 0.5%▲ +0.1 percentage points vs 02-2025 04-2025: 0.4%▼ -0.1 percentage points vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.6%▲ +0.2 percentage points vs 01-2026 03-2026: 0.8%▲ +0.2 percentage points vs 02-2026 04-2026: 0.9%▲ +0.1 percentage points vs 03-2026 05-2026: 1.2%▲ +0.3 percentage points vs 04-2026 06-2026: 1.3%▲ +0.1 percentage points vs 05-2026 07-2026: 1.7%▲ +0.4 percentage points vs 06-2026 08-2026: 2.8%▲ +1.1 percentage points vs 07-2026highest value 09-2026: 2.8%● unchanged vs 08-2026highest value 10-2026: 0.5%▼ -2.3 percentage points vs 09-2026
No credit on open account
Liquidity tight (current ratio 1.34, compared with 1.3 in 2024; short-term debt: 54.9% and cash: 0.2% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro): better than 8% on solvency, 9% on liquidity and 24% on profitability.

The bankruptcy probability was computed on 09-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €291,390
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1990
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 1.34, cash €452
NBB · annual accounts
raises risk · Latest accounts 60 days late; 1 of the last 3 late
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 38998 sector peers (2025).
NBB · sector comparison
Position among 38998 sector peers
Solvency
better than 9%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
60 days late
2024
11 days late
2023
1 day early
2022
119 days late
2021
on the day
2020
1 day late
2019
29 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 23 days after the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Highest result from 2019 to 2025net €28,204 ▲62.6%

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€15,018 View
  • Caution: Among the weakest 5% on equitysector median €78,130 · 39,030 companies -€15,018 View
  • Active since 1990founded 01-03-1990 36 years View

By topic

Financials

Financial year
2025
Total assets
€291,390
Profit
€23,441
Solvency
-5.2%
Total assets▲ 21.2%
Net result
20192025
Go to Financials

Timeline

Events
38
Since
1992
  1. 28-02-2024Annual accounts filed
  2. 31-07-2023Back to profit
  3. 27-06-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
01-03-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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