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ISHOJO

Active
Private limited companyfounded 20233 yrs activeRue du Monument, Schaltin 32, 5364 Hamois, BelgiumKBO/BCE: BE 0800.660.170
Summary

The computed 12-month bankruptcy probability of ISHOJO is 4.9% (elevated). The 2024 annual accounts show equity of €12,059 and a net result of €7,059. The company has been active since 2023 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Checked score

Score 2024
Axes
Profitability89
Solvency53
Growth-
Track record71
Bankruptcy probability, 12 months
4.9% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.2; short-term debt: 70.5% and cash: 5.8% of total assets), and 72.2% of the assets are financed with debt.
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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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Ex-officio strike-off
The KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.
KBO publications
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 2024
Solvency, return and age of the figures
Solvency
27.8%
Return on assets
16.3%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2024
57 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its 2024 accounts 57 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
UBO non-compliance

History

On 12 April 2023, ISHOJO was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€12,059
Total assets
€43,431
Net result
€7,059
Working capital
€6,011

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €43,431
Fixed assets €6,821
Current assets €36,610
Equity and liabilities €43,431
Equity €12,059
Debt €31,372
Debt finances 72.2% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€21,475
Cash flow
€17,489
Current ratio
1.20
Debt to equity
2.60
ROE
58.5%
ROA
16.3%
Interest coverage
13.52
Debt ≤ 1 year
€30,600
Income taxes
€2,398

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.6% went bankrupt
1.8% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 4.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.9%
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 7,976 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
Filed annual accounts As filed with the NBB · 2024 · 31 lines
Balance sheet Code2024
Assets
Total assets20/58€43,431
Fixed assets21/28€6,821
Tangible fixed assets22/27€6,821
Furniture and vehicles24€6,821
Current assets29/58€36,610
Amounts receivable within one year40/41€34,083
Other amounts receivable41€34,083
Cash at bank and in hand54/58€2,527
Equity and liabilities
Total equity and liabilities10/49€43,431
Equity10/15€12,059
Contributions10/11€5,000
Profit (loss) carried forward14€7,059
Amounts payable17/49€31,372
Amounts payable within one year42/48€30,600
Trade debts44€3,477
Suppliers440/4€3,477
Taxes, remuneration and social security45€2,398
Taxes450/3€2,398
Other amounts payable47/48€24,725
Accrued charges and deferred income492/3€772
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,429
Other operating charges640/8€5,846
Gross operating margin9900€27,321
Operating profit (loss)9901€11,045
Financial charges65/66B€1,588
Recurring financial charges65€1,588
Profit (loss) for the period before taxes9903€9,457
Income taxes67/77€2,398
Profit (loss) for the period9904€7,059
Profit (loss) for the period to be appropriated9905€7,059
Appropriation of the result
Profit (loss) to be appropriated9906€7,059

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,429
Other operating charges640/8€5,846
Gross operating margin9900€27,321
Operating profit (loss)9901€11,045
Financial charges65/66B€1,588
Recurring financial charges65€1,588
Profit (loss) for the period before taxes9903€9,457
Income taxes67/77€2,398
Profit (loss) for the period9904€7,059
Profit (loss) for the period to be appropriated9905€7,059
Line2024
Assets
Total assets20/58€43,431
Fixed assets21/28€6,821
Tangible fixed assets22/27€6,821
Furniture and vehicles24€6,821
Current assets29/58€36,610
Amounts receivable within one year40/41€34,083
Other amounts receivable41€34,083
Cash at bank and in hand54/58€2,527
Equity and liabilities
Total equity and liabilities10/49€43,431
Equity10/15€12,059
Contributions10/11€5,000
Profit (loss) carried forward14€7,059
Amounts payable17/49€31,372
Amounts payable within one year42/48€30,600
Trade debts44€3,477
Suppliers440/4€3,477
Taxes, remuneration and social security45€2,398
Taxes450/3€2,398
Other amounts payable47/48€24,725
Accrued charges and deferred income492/3€772
Line2024
Profit (loss) for the period9904€7,059
+ Depreciation and write-downs630€10,429
Operating cash flow (approximation)€17,489

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
26-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
12-04
KBO administration UBO non-compliance
event 01-04-2024
SignalNBB filing
0 of 2 acts read
About the unread acts

We know of 2 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
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, Hamois · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
711 m²
Building footprint
168 m²
Parcel 91116B0662/00N003, Wallonia. Linked by address, not a title deed.
1 establishment unit
ISHOJO
Rue du Monument, Schaltin 32, 5364 HamoisGeneral medical practice
since 20232.375.609.281
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
91116B0662/00N003 Wallonia 711 m² 1 · 168 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded12-04-2023
Fiscal year end31-12
Contact
E-mail le.claude@hotmail.com
Phone +32495516034
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.