IOS CONSULTING
ActiveIOS CONSULTING has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €-9k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▲+10
Solvency99▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.87 against 6.34 in 2024; short-term debt: 25.8% and cash: 100% of total assets), and 25.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
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
74.2%
Return on assets
-9.3%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-9k
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 01-04-2026, 121 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
121 d early
2024
115 d early
2023
126 d early
2022
132 d early
2021
114 d early
2020
114 d early
2019
113 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
€74k▼ 11.1%
2024 · €84k
2018: €41k
2019: €69k
2020: €96k
2021: €108k
2022: €110k
2023: €97k
2024: €84k
2018 → 2025
Total assets
€100k▲ 0.9%
2024 · €99k
2018: €65k
2019: €107k
2020: €144k
2021: €151k
2022: €155k
2023: €118k
2024: €99k
2018 → 2025
Net result
€-9k▲ 30.5%
2024 · €-13k
2018: €8k
2019: €27k
2020: €37k
2021: €12k
2022: €2k
2023: €-13k
2024: €-13k
2018 → 2025
Working capital
€74k▼ 11.1%
2024 · €84k
2018: €40k
2019: €68k
2020: €95k
2021: €107k
2022: €109k
2023: €97k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€110k▲ 1.9%€97k▼ 12.1%€84k▼ 13.8%€74k▼ 11.1%
Operating result€16k-€3k▼ 82.7%€-14k€-13k▲ 7.0%€-9k▲ 30.7%
Net result€12k-€2k▼ 83.1%€-13k€-13k=€-9k▲ 30.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €13k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €100k
Equity
€74k▼ 11.1%
Debt
€26k▲ 65.2%
The debt ratio rises from 15.8% to 25.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
74.2%▼
2024 · 84.2%
Current ratio
3.87▼
2024 · 6.34
Quick ratio
3.87▼
2024 · 6.34
Debt / equity
0.35▲
2024 · 0.19
ROE
-12.5%▲
2024 · -16.0%
ROA
-9.3%▲
2024 · -13.5%
Debt
€26k▲
2024 · €16k
Debt ≤ 1 year
€26k▲
2024 · €16k
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€99k€100k▲
Current assets29/58€99k€100k▲
Amounts receivable within one year40/41€490€0▼
Trade receivables40€490€0▼
Cash at bank and in hand54/58€99k€100k▲
Equity and liabilities
Total equity and liabilities10/49€99k€100k▲
Equity10/15€84k€74k▼
Contributions10/11€20k€20k=
Reserves13€9k€9k=
Tax-exempt reserves132€7k€7k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€55k€45k▼
Amounts payable17/49€16k€26k▲
Amounts payable within one year42/48€16k€26k▲
Trade debts44€19€19▲
Suppliers440/4€19€19▲
Other amounts payable47/48€16k€26k▲
Income statement
Code20242025
Other operating charges640/8€822€487▼
Gross operating margin9900€-12k€-9k▲
Operating profit (loss)9901€-13k€-9k▲
Financial charges65/66B€74€75▲
Recurring financial charges65€74€75▲
Profit (loss) for the period before taxes9903€-13k€-9k▲
Profit (loss) for the period9904€-13k€-9k▲
Profit (loss) for the period to be appropriated9905€-13k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€45k▼
Profit (loss) brought forward from the previous period14P€68k€55k▼
The notes to these accounts (4 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-13k ▼743%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €100kEq €108k ▲12.8%
4 profitable years in a row build equity to €108k.
08-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €37k ▲35.1%
Operating result €36k, net result €37k, both a record.
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-04
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
2 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, Lubbeek · 1 establishment unit since 1997
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.
Rozenweg(PEL) 29A3212 LubbeekGround area
3,160 m²
Building footprint
244 m²
Volume, LiDAR
1,281 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IOS CONSULTING
since 19972.079.879.443
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24090A0004/00E000 | Flanders | 1,806 m² | 1 · 143 m² | 5.7 m · 1 fl. |
| 24090A0004/00D000 | Flanders | 1,353 m² | 1 · 101 m² | 9.1 m · 2 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.
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SOTREZ CONSULT
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-12-1996
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.