Isik
ActiveThe computed 12-month bankruptcy probability of Isik is 1.6% (moderate). The 2025 annual accounts show equity of €30k and a net result of €13k. Equity is growing by ~96.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 18035 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+32
Growth52=
Stability94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 1.18 in 2024), and 28.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
71.4%
Return on assets
29.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 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 · 5 filingsDeviation from the deadline
2025
39 d late
2024
51 d late
2023
30 d late
2022
52 d late
2021
219 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€96k▼ 13.8%
2021 · €111k
2021: €111k
2021 → 2022
EBIT margin
4.3%▲ 2.9pp
2021 · 1.4%
2021: 1.4%
2021 → 2022
Net result
€13k▼ 2.0%
2024 · €13k
2021: €181
2022: €2k
2023: €669
2024: €13k
2021 → 2025
Working capital
€20k▲ 345%
2024 · €4k
2021: €-3k
2022: €-5k
2023: €-6k
2024: €4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€111k-€96k▼ 13.8%
Equity€2k-€4k▲ 106%€5k▲ 14.9%€18k▲ 247%€30k▲ 69.8%
Operating result€2k-€4k▲ 163%€3k▼ 26.7%€18k▲ 505%€16k▼ 12.2%
Net result€181-€2k▲ 1,177%€669▼ 71.1%€13k▲ 1,811%€13k▼ 2.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€11k▼ 18.4%
Current assets
€32k▲ 9.2%
Equity and liabilities €43k
Equity
€30k▲ 69.8%
Debt
€12k▼ 50.8%
The debt ratio falls from 58.0% to 28.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▼
2024 · €21k
Cash flow
€15k▼
2024 · €16k
Solvency
71.4%▲
2024 · 42.0%
Current ratio
2.62▲
2024 · 1.18
Quick ratio
2.38▲
2024 · 0.98
Debt / equity
0.40▼
2024 · 1.38
ROE
41.1%▼
2024 · 71.2%
ROA
29.4%▼
2024 · 29.9%
Interest coverage
24.51▲
2024 · 13.84
Debt
€12k▼
2024 · €25k
Debt ≤ 1 year
€12k▼
2024 · €25k
Income taxes
€3k▼
2024 · €4k
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€43k€43k▼
Formation expenses20€350-
Fixed assets21/28€13k€11k▼
Tangible fixed assets22/27€13k€11k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€11k€10k▼
Current assets29/58€29k€32k▲
Stocks and contracts in progress3€5k€3k▼
Stocks30/36€5k€3k▼
Amounts receivable within one year40/41€13k€19k▲
Trade receivables40€8k€3k▼
Other amounts receivable41€5k€16k▲
Cash at bank and in hand54/58€11k€10k▼
Deferred charges and accrued income490/1€284-
Equity and liabilities
Total equity and liabilities10/49€43k€43k▼
Equity10/15€18k€30k▲
Contributions10/11€2k€2k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14-€13k
Amounts payable17/49€25k€12k▼
Amounts payable within one year42/48€25k€12k▼
Financial debts43-€15
Credit institutions430/8-€15
Trade debts44€17k€4k▼
Suppliers440/4€17k€4k▼
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€23k€20k▼
Operating profit (loss)9901€18k€16k▼
Financial income75/76B€9€568▲
Recurring financial income75€9€568▲
Financial charges65/66B€2k€773▼
Recurring financial charges65€2k€773▼
Profit (loss) for the period before taxes9903€17k€16k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€13k€13k▼
Profit (loss) for the period to be appropriated9905€13k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€13k▼
Transfer to equity691/2€13k-
To other reserves6921€13k-
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
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 39 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 2.62
Current ratio from 1.18 to 2.62; short-term debt falls from €25k to €12k.
20-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 51 days late
2024
31-12
Financial
Highest result since 2021net €13k ▲1811%
Operating result €18k, net result €13k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 219 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Heusden-Zolder · 1 establishment unit since 2020
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.
Koolmijnlaan 1893550 Heusden-ZolderGround area
543 m²
Building footprint
104 m²
Volume, LiDAR
884 m³
Parcel 71025A0107/00Z002, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ZEHRAM BAKLAVALAND
since 20202.310.610.274
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A0107/00Z002 | Flanders | 543 m² | 1 · 104 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 siteHeusden-Zolder2.310.610.274
Similar companies · same sector, comparable size
ELCY
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Midchoc
BE 1010.772.860
Middelkerke · Eq €30k
VERSTRAETE
BE 0461.082.273
Brugge · Eq €31k
La Fabrique à Chocolat
BE 0655.945.276
Schaarbeek · Eq €30k
CAPRICE SERVICES
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Of 897 companies in sector 47242 we hold annual accounts for 338. 279 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2020
Fiscal year end31-12
Activities, NACEBEL
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.