IOSA
ActiveSummary
IOSA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71,566 and a net result of €42,694. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 74% of 17239 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+5
Solvency100▲+28
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 4.57 against 1.32 in 2024; short-term debt: 14.6% and cash: 29.5% of total assets), and 20% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
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
80%
Return on assets
47.8%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €71,566
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
35 d early
2023
44 d early
2022
2 d late
2021
28 d early
2020
33 d late
2019
6 d late
← 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 16 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 27 December (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#10 oldest company in Silly, Telecoms and IT sector
Equity
€71,566▲ 148%
2024 · €28,872
Total assets
€89,407▲ 45.3%
2024 · €61,528
Net result
€42,694▲ 227%
2024 · €13,050
Working capital
€46,736▲ 536%
2024 · €7,347
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€6,164▲ 61.1%€7,321€34,463▲ 371%€20,264▼ 41.2%€58,507▲ 189%
Net result-€6,991below the sector's middle half▲ 57.2%€6,179within the sector's middle half€25,418within the sector's middle half▲ 311%€13,050within the sector's middle half▼ 48.7%€42,694within the sector's middle half▲ 227%
Equity-€15,775below the sector's middle half▼ 79.6%-€9,596below the sector's middle half▲ 39.2%€15,822below the sector's middle half€28,872within the sector's middle half▲ 82.5%€71,566within the sector's middle half▲ 148%
Total assets€25,159below the sector's middle half▲ 78.5%€62,547below the sector's middle half▲ 149%€70,783within the sector's middle half▲ 13.2%€61,528below the sector's middle half▼ 13.1%€89,407within the sector's middle half▲ 45.3%
Debt€40,934▲ 78.9%€72,143▲ 76.2%€54,961▼ 23.8%€32,656▼ 40.6%€17,841▼ 45.4%
Working capital-€17,650below the sector's middle half-€22,619below the sector's middle half▼ 28.2%-€4,824below the sector's middle half▲ 78.7%€7,347below the sector's middle half€46,736within the sector's middle half▲ 536%
Solvency-62.7%below the sector's middle half▼ 0.4pp-15.3%below the sector's middle half▲ 47.4pp22.4%below the sector's middle half▲ 37.7pp46.9%within the sector's middle half▲ 24.6pp80.0%within the sector's middle half▲ 33.1pp
Current ratio0.36below the sector's middle half▼ 0.840.46below the sector's middle half▲ 0.100.87below the sector's middle half▲ 0.411.32below the sector's middle half▲ 0.454.57within the sector's middle half▲ 3.25
Return on assets (ROA)-27.8%below the sector's middle half▲ 88.1pp9.9%within the sector's middle half▲ 37.7pp35.9%above the sector's middle half▲ 26.0pp21.2%within the sector's middle half▼ 14.7pp47.8%above the sector's middle half▲ 26.5pp
Staff (FTE)0.7▼ 12.5%5▲ 614%4.4▼ 12.0%3.5▼ 20.5%
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 189% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89,407
Fixed assets
€29,587 ▼ 5.4%
Current assets
€59,820 ▲ 97.7%
Equity and liabilities €89,407
Equity
€71,566 ▲ 148%
Debt
€17,841 ▼ 45.4%
Debt's share of the balance-sheet total falls from 53.1% to 20.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74,379▲
2024 · €37,365
Cash flow
€58,566▲
2024 · €30,151
Debt to equity
0.25▼
2024 · 1.13
ROE
59.7%▲
2024 · 45.2%
Interest coverage
120.75▼
2024 · 123.32
Debt ≤ 1 year
€13,084▼
2024 · €22,904
Debt > 1 year
€4,757▼
2024 · €9,752
Income taxes
€15,197▲
2024 · €6,911
Staff costs
€124,365▼
2024 · €131,364
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €62,484 | €93,084 | €131,364 | €124,365 | ▼ 5.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,074 | €6,056 | €13,679 | €17,101 | €15,872 | ▼ 7.2% |
| Other operating charges640/8 | - | €1,477 | €1,756 | €5,183 | €11,361 | ▲ 119% |
| Non-recurring operating charges66A | - | €36 | - | - | - | - |
| Gross operating margin9900 | €38,757 | €77,374 | €142,983 | €173,912 | €210,105 | ▲ 20.8% |
| Operating profit (loss)9901 | -€6,164 | €7,321 | €34,463 | €20,264 | €58,507 | ▲ 189% |
| Financial income75/76B | - | €3 | €27 | - | - | - |
| Recurring financial income75 | €19 | €3 | €27 | - | - | - |
| Financial charges65/66B | - | €1,110 | €1,228 | €303 | €616 | ▲ 103% |
| Recurring financial charges65 | €845 | €1,110 | €1,228 | €303 | €616 | ▲ 103% |
| Profit (loss) for the period before taxes9903 | -€6,991 | €6,214 | €33,262 | €19,961 | €57,891 | ▲ 190% |
| Income taxes67/77 | - | €35 | €7,845 | €6,911 | €15,197 | ▲ 120% |
| Profit (loss) for the period9904 | -€6,991 | €6,179 | €25,418 | €13,050 | €42,694 | ▲ 227% |
| Profit (loss) for the period to be appropriated9905 | -€6,991 | €6,179 | €25,418 | €13,050 | €42,694 | ▲ 227% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €25,159 | €62,547 | €70,783 | €61,528 | €89,407 | ▲ 45.3% |
| Fixed assets21/28 | €15,120 | €43,117 | €38,010 | €31,277 | €29,587 | ▼ 5.4% |
| Intangible fixed assets21 | - | - | €4,472 | €2,805 | €1,143 | ▼ 59.3% |
| Tangible fixed assets22/27 | €15,120 | €43,117 | €33,538 | €27,244 | €27,216 | ▼ 0.1% |
| Plant, machinery and equipment23 | - | €1,125 | €1,250 | €6,428 | €5,657 | ▼ 12.0% |
| Furniture and vehicles24 | - | €41,092 | €31,483 | €20,106 | €20,944 | ▲ 4.2% |
| Other tangible fixed assets26 | - | €900 | €805 | €710 | €615 | ▼ 13.4% |
| Financial fixed assets28 | - | - | - | €1,228 | €1,228 | = |
| Current assets29/58 | €10,039 | €19,430 | €32,773 | €30,251 | €59,820 | ▲ 97.7% |
| Amounts receivable after more than one year29 | - | - | - | - | €10,000 | - |
| Trade receivables290 | - | - | - | - | €10,000 | - |
| Amounts receivable within one year40/41 | €5,666 | €873 | €1,477 | €18,467 | €23,455 | ▲ 27.0% |
| Trade receivables40 | - | €873 | €1,477 | €12,369 | €21,955 | ▲ 77.5% |
| Other amounts receivable41 | - | - | - | €6,098 | €1,500 | ▼ 75.4% |
| Cash at bank and in hand54/58 | €122 | €2,981 | €13,363 | €8,774 | €26,365 | ▲ 200% |
| Deferred charges and accrued income490/1 | - | €15,576 | €17,933 | €3,010 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €25,159 | €62,547 | €70,783 | €61,528 | €89,407 | ▲ 45.3% |
| Equity10/15 | -€15,775 | -€9,596 | €15,822 | €28,872 | €71,566 | ▲ 148% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €9,622 | €9,622 | €49,622 | ▲ 416% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | €7,762 | €7,762 | €47,762 | ▲ 515% |
| Profit (loss) carried forward14 | -€23,835 | -€17,656 | - | €13,050 | €15,744 | ▲ 20.6% |
| Amounts payable17/49 | €40,934 | €72,143 | €54,961 | €32,656 | €17,841 | ▼ 45.4% |
| Amounts payable after more than one year17 | €6,635 | €19,165 | €14,552 | €9,752 | €4,757 | ▼ 51.2% |
| Financial debts170/4 | - | €19,165 | €14,552 | €9,752 | €4,757 | ▼ 51.2% |
| Amounts payable within one year42/48 | €27,689 | €42,049 | €37,597 | €22,904 | €13,084 | ▼ 42.9% |
| Current portion of amounts payable after more than one year42 | - | €4,433 | €4,613 | €4,800 | €4,995 | ▲ 4.1% |
| Trade debts44 | €17,867 | €19,830 | €13,907 | €4,667 | €5,826 | ▲ 24.8% |
| Suppliers440/4 | - | €19,830 | €13,907 | €4,667 | €5,826 | ▲ 24.8% |
| Advances received on contracts in progress46 | - | - | - | €3,000 | €1,190 | ▼ 60.3% |
| Taxes, remuneration and social security45 | - | €15,953 | €17,265 | €10,437 | €333 | ▼ 96.8% |
| Taxes450/3 | - | €618 | €3,323 | - | - | - |
| Remuneration and social security454/9 | - | €15,335 | €13,943 | €10,437 | €333 | ▼ 96.8% |
| Other amounts payable47/48 | - | €1,835 | €1,813 | - | €740 | - |
| Accrued charges and deferred income492/3 | - | €10,929 | €2,812 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,991 | €6,179 | €25,418 | €13,050 | €42,694 | ▲ 227% |
| + Depreciation and write-downs630 | €3,074 | €6,056 | €13,679 | €17,101 | €15,872 | ▼ 7.2% |
| Operating cash flow (approximation) | -€3,917 | €12,235 | €39,097 | €30,151 | €58,566 | ▲ 94.2% |
| Investment in fixed assets (approximation) | - | -€34,053 | -€8,572 | -€10,368 | -€14,182 | ▼ 36.8% |
| Change in cash | - | €2,859 | €10,383 | -€4,589 | €17,591 | ▲ 483% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €42,694 ▲227%
Operating result €58,507, net result €42,694, both a record.
30-06
Financial
Liquidity triplescurrent ratio 4.57
Current ratio from 1.32 to 4.57; short-term debt falls from €22,904 to €13,084.
2024
27-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
30-06
Financial
Back to profitnet €6,179
Net result €6,179 after 2 loss-making years.
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 33 days late
2020
30-06
Financial
Weakest financial yearnet -€16,325
Net result drops to -€16,325, the lowest in the series; recovery starts the following year.
06-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
09-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
06-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 34 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Silly · 2 establishment units since 2011
Ground area
1,660 m²
Building footprint
273 m²
Volume, LiDAR
1,698 m³
2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Rue Chef-lieu(Hellebecq) 42, 7830 Silly
since 20112.197.972.587
La Radieuse Senior Resort
since 20192.292.256.389
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51031A0369/00K000 | Wallonia | 1,150 m² | 1 · 200 m² | 8.0 m · 2 fl. |
| 55033D0133/00T003 | Wallonia | 511 m² | 1 · 73 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEnghien/Edingen2.292.256.389
Legal Entity Identifier
25490028RA7SQXUBJW16
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Of 30,008 companies in sector 62200 we hold annual accounts for 18,400. 15,544 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-03-2011
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
87302Residential care activities
68110Buying and selling of own real estate
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0834157339
Registered
31-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.