Financials
- Financial year
- 2025
- Total assets
- €460,889
- Profit
- €177,319
- Solvency
- 38.5%
IOAN
ActiveSummary
IOAN has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €177,419 and a net result of €177,319. Its solvency ranks better than 52% of 12,519 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Retail sale of cosmetics and toilet articles
NACE 47750
1 site
Size
€460,889total assets 2025
- Equity
- €177,419
- Profit
- €177,319
Turnover not published (abbreviated format)
Structure
Accounts 50 days early
Why 89raises riskFounded in 2024Sector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 1.49, cash €251,322Size: total assets €460,889Show the evidence
Checked score
Score 2025
89
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 74% of its sector peers (NACE 47, micro)
Financial strength
Strong
Solvency
63
equity 38.5% of total assets
Liquidity
68
short-term debt 61.5% · cash 54.5%
Profitability
100
return on assets 38.5%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 1.8%
01-2026: 1.8%● unchanged vs 12-2025
02-2026: 1.9%▲ +0.1 percentage points vs 01-2026
03-2026: 2.2%▲ +0.3 percentage points vs 02-2026
04-2026: 2.3%▲ +0.1 percentage points vs 03-2026
05-2026: 2.6%▲ +0.3 percentage points vs 04-2026highest value
06-2026: 2.6%● unchanged vs 05-2026highest value
07-2026: 0.3%▼ -2.3 percentage points vs 06-2026lowest value
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
Credit of up to €15,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity tight (current ratio 1.49, below the usual 1.5; short-term debt: 61.5% and cash: 54.5% of total assets), and 61.5% of the assets are financed with debt and provisions.
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 47, micro): better than 54% on solvency, 74% on liquidity and 96% on profitability.
The bankruptcy probability was computed on 17-10-2026 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
Five signals.
lowers riskraises riskneutral
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 11-06-2026, 50 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
50 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · abbreviated…
- IncorporationAppointments: QOZMO (director) and FISSERS…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2024
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of cosmetics and toilet articlesNACE 47750
- Founded
- 26-11-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 13
- Who signs
- Each director alone
- Annual meeting
- First Friday of June at 17:00
- Purpose
- “De ontwikkeling,klein-en groothandel,import en export van schoonheidsproducten en…” (deed in Dutch)
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