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ISITOK

Active
Private limited companyfounded 20215 yrs activeCh. de la Bruyère des Censes 2, 1495 Villers-la-Ville, BelgiumKBO/BCE: BE 0772.910.846
Summary

The computed 12-month bankruptcy probability of ISITOK is 1.7% (moderate). The 2025 annual accounts show equity of €579,244 and a net result of €79,740. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 36% of 4235 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability73▲+2
Solvency49▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.02 in 2024; short-term debt: 40% and cash: 4% of total assets), and 75.7% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
24.3%
Return on assets
3.3%
Age of the figures
12 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 · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
6 d early
2024
12 d early
2023
42 d early
2022
40 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 25 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 4 April (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 26 August 2021, ISITOK was incorporated as a Private limited company.1 Total assets went from EUR 2.5 million in 2022 to EUR 2.4 million in 2025 and headcount from 6.1 to 17.4 full-time equivalents.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€79,740▲ 61.1%
2024 · €49,504
Working capital
€99,569▲ 377%
2024 · €20,894
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line2022202320242025
Operating result-€268,978-€578,756€89,875▼ 84.5%€116,603▲ 29.7%
Net result-€294,069below the sector's middle half-€542,369above the sector's middle half€49,504within the sector's middle half▼ 90.9%€79,740within the sector's middle half▲ 61.1%
Equity-€44,069below the sector's middle half-€450,000within the sector's middle half€499,504within the sector's middle half▲ 11.0%€579,244within the sector's middle half▲ 16.0%
Total assets€2.5mabove the sector's middle half-€2.8mabove the sector's middle half▲ 12.1%€2.6mabove the sector's middle half▼ 7.0%€2.4mwithin the sector's middle half▼ 9.6%
Debt€2.4m-€2.4m▼ 1.6%€2.1m▼ 10.4%€1.8m▼ 15.6%
Working capital-€319,821below the sector's middle half--€12,942below the sector's middle half▲ 96.0%€20,894within the sector's middle half€99,569within the sector's middle half▲ 377%
Solvency-1.7%below the sector's middle half-15.9%within the sector's middle half▲ 17.6pp19.0%within the sector's middle half▲ 3.1pp24.3%within the sector's middle half▲ 5.4pp
Current ratio0.71below the sector's middle half-0.99below the sector's middle half▲ 0.281.02within the sector's middle half▲ 0.031.10within the sector's middle half▲ 0.09
Return on assets (ROA)-11.6%below the sector's middle half-19.1%above the sector's middle half▲ 30.8pp1.9%within the sector's middle half▼ 17.3pp3.3%within the sector's middle half▲ 1.5pp
Staff (FTE)6.1within the sector's middle half-13.1within the sector's middle half▲ 115%14.8within the sector's middle half▲ 13.0%17.4within the sector's middle half▲ 17.6%
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€500,000-€250,000€0€250,000€500,000Operating result 2022: -€268,978-€268,978Net result 2022: -€294,069-€294,069Operating result 2023: €578,756€578,756Net result 2023: €542,369€542,369Operating result 2024: €89,875€89,875Net result 2024: €49,504€49,504Operating result 2025: €116,603€116,603Net result 2025: €79,740€79,7402022202320242025€0€200,000€400,000€600,000Operating result 2023: €578,756€579,000Net result 2023: €542,369€542,000Operating result 2024: €89,875€89,900Net result 2024: €49,504€49,500Operating result 2025: €116,603€117,000Net result 2025: €79,740€79,700202320242025
The operating result recovers in 2025; 2025 is 30% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.4m
Fixed assets €1.3m ▼ 10.4%
Current assets €1.1m ▼ 8.6%
Equity and liabilities €2.4m
Equity €579,244 ▲ 16.0%
Debt €1.8m ▼ 15.6%
Debt's share of the balance-sheet total falls from 81.0% to 75.7%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€296,074▲
2024 · €265,888
Cash flow
€259,211▲
2024 · €225,517
Quick ratio
0.60▼
2024 · 0.60
Debt to equity
3.11▼
2024 · 4.28
ROE
13.8%▲
2024 · 9.9%
Interest coverage
8.07▲
2024 · 6.68
Debt ≤ 1 year
€951,775▼
2024 · €1.1m
Debt > 1 year
€765,283▼
2024 · €904,655
Income taxes
€514▼
2024 · €745
Staff costs
€675,815▲
2024 · €560,634
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,368 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 97% are still going.

  • Small
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit under 5% of the balance sheet
1.7% went bankrupt
1.4% stopped otherwise
97% still going

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

For this company itself Checked computes a bankruptcy probability of 1.7% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 2,368 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 · 2025 against 2024 · 61 lines
Balance sheet Code20242025
Assets
Total assets20/58€2.6m€2.4m▼
Formation expenses20€937€436▼
Fixed assets21/28€1.5m€1.3m▼
Intangible fixed assets21€732€432▼
Tangible fixed assets22/27€1.5m€1.3m▼
Plant, machinery and equipment23€581,130€493,909▼
Furniture and vehicles24€335,720€300,496▼
Other tangible fixed assets26€565,702€530,317▼
Assets under construction and advance payments27€760€760=
Financial fixed assets28€697€4,357▲
Current assets29/58€1.1m€1.1m▼
Stocks and contracts in progress3€471,436€482,828▲
Stocks30/36€471,436€482,828▲
Amounts receivable within one year40/41€314,656€404,803▲
Trade receivables40€24,606€174,089▲
Other amounts receivable41€290,050€230,713▼
Cash at bank and in hand54/58€284,072€95,198▼
Deferred charges and accrued income490/1€79,717€68,515▼
Equity and liabilities
Total equity and liabilities10/49€2.6m€2.4m▼
Equity10/15€499,504€579,244▲
Contributions10/11€250,000€250,000=
Reserves13€249,504€329,244▲
Distributable reserves133€249,504€329,244▲
Profit (loss) carried forward14€0-
Amounts payable17/49€2.1m€1.8m▼
Amounts payable after more than one year17€904,655€765,283▼
Financial debts170/4€904,655€765,283▼
Amounts payable within one year42/48€1.1m€951,775▼
Current portion of amounts payable after more than one year42€152,231€153,261▲
Financial debts43€28,870€342▼
Credit institutions430/8€28,870€342▼
Trade debts44€865,725€716,226▼
Suppliers440/4€865,725€716,226▼
Taxes, remuneration and social security45€80,426€79,454▼
Taxes450/3€3,241€72▼
Remuneration and social security454/9€77,185€79,383▲
Other amounts payable47/48€1,734€2,491▲
Accrued charges and deferred income492/3€102,414€85,749▼
Income statement Code20242025
Remuneration, social security and pensions62€560,634€675,815▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€176,013€179,471▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€9,048€6,614▼
Non-recurring operating charges66A€272,824€182,743▼
Gross operating margin9900€1.1m€1.2m▲
Operating profit (loss)9901€89,875€116,603▲
Financial income75/76B€191€712▲
Recurring financial income75€191€712▲
Financial charges65/66B€39,817€37,060▼
Recurring financial charges65€39,817€36,666▼
Non-recurring financial charges66B-€395
Profit (loss) for the period before taxes9903€50,249€80,254▲
Income taxes67/77€745€514▼
Profit (loss) for the period9904€49,504€79,740▲
Profit (loss) for the period to be appropriated9905€49,504€79,740▲
Appropriation of the result
Profit (loss) to be appropriated9906€49,504€79,740▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€49,504€79,740▲
To other reserves6921€49,504€79,740▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)908714.817.4▲

The notes to these accounts (25 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Remuneration, social security and pensions62€220,810€488,169€560,634€675,815▲ 20.5%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89,941€165,502€176,013€179,471▲ 2.0%
Provisions for liabilities and charges: additions (uses and reversals)635/8--€49,798€0--
Other operating charges640/8€6,038€2,117€9,048€6,614▼ 26.9%
Non-recurring operating charges66A--€272,824€182,743▼ 33.0%
Gross operating margin9900€47,812€1.2m€1.1m€1.2m▲ 4.8%
Operating profit (loss)9901-€268,978€578,756€89,875€116,603▲ 29.7%
Financial income75/76B€38€166€191€712▲ 272%
Recurring financial income75€38€166€191€712▲ 272%
Financial charges65/66B€25,130€36,553€39,817€37,060▼ 6.9%
Recurring financial charges65€25,130€36,553€39,817€36,666▼ 7.9%
Non-recurring financial charges66B---€395-
Profit (loss) for the period before taxes9903-€294,069€542,369€50,249€80,254▲ 59.7%
Income taxes67/77--€745€514▼ 31.1%
Profit (loss) for the period9904-€294,069€542,369€49,504€79,740▲ 61.1%
Profit (loss) for the period to be appropriated9905-€294,069€542,369€49,504€79,740▲ 61.1%
Line2022202320242025Change
Assets
Total assets20/58€2.5m€2.8m€2.6m€2.4m▼ 9.6%
Formation expenses20€1,940€1,438€937€436▼ 53.5%
Fixed assets21/28€1.7m€1.6m€1.5m€1.3m▼ 10.4%
Intangible fixed assets21€1,332€1,032€732€432▼ 41.0%
Tangible fixed assets22/27€1.7m€1.6m€1.5m€1.3m▼ 10.6%
Plant, machinery and equipment23€726,982€653,794€581,130€493,909▼ 15.0%
Furniture and vehicles24€420,684€376,745€335,720€300,496▼ 10.5%
Other tangible fixed assets26€582,346€593,109€565,702€530,317▼ 6.3%
Assets under construction and advance payments27--€760€760=
Financial fixed assets28-€697€697€4,357▲ 525%
Current assets29/58€796,590€1.2m€1.1m€1.1m▼ 8.6%
Stocks and contracts in progress3€407,135€523,102€471,436€482,828▲ 2.4%
Stocks30/36€407,135€523,102€471,436€482,828▲ 2.4%
Amounts receivable within one year40/41€234,443€265,484€314,656€404,803▲ 28.6%
Trade receivables40€18,103€38,882€24,606€174,089▲ 608%
Other amounts receivable41€216,341€226,602€290,050€230,713▼ 20.5%
Cash at bank and in hand54/58€150,843€376,881€284,072€95,198▼ 66.5%
Deferred charges and accrued income490/1€4,168€42,843€79,717€68,515▼ 14.1%
Equity and liabilities
Total equity and liabilities10/49€2.5m€2.8m€2.6m€2.4m▼ 9.6%
Equity10/15-€44,069€450,000€499,504€579,244▲ 16.0%
Contributions10/11€250,000€250,000€250,000€250,000=
Reserves13-€200,000€249,504€329,244▲ 32.0%
Distributable reserves133-€200,000€249,504€329,244▲ 32.0%
Profit (loss) carried forward14-€294,069-€0--
Provisions and deferred taxes16€150,000----
Provisions for liabilities and charges160/5€150,000----
Other liabilities and charges164/5€150,000----
Amounts payable17/49€2.4m€2.4m€2.1m€1.8m▼ 15.6%
Amounts payable after more than one year17€1.2m€1.0m€904,655€765,283▼ 15.4%
Financial debts170/4€1.2m€1.0m€904,655€765,283▼ 15.4%
Amounts payable within one year42/48€1.1m€1.2m€1.1m€951,775▼ 15.7%
Current portion of amounts payable after more than one year42€136,320€151,214€152,231€153,261▲ 0.7%
Financial debts43--€28,870€342▼ 98.8%
Credit institutions430/8--€28,870€342▼ 98.8%
Trade debts44€948,252€959,105€865,725€716,226▼ 17.3%
Suppliers440/4€948,252€959,105€865,725€716,226▼ 17.3%
Taxes, remuneration and social security45€31,801€62,578€80,426€79,454▼ 1.2%
Taxes450/3--€3,241€72▼ 97.8%
Remuneration and social security454/9€31,801€62,578€77,185€79,383▲ 2.8%
Other amounts payable47/48€38€48,354€1,734€2,491▲ 43.7%
Accrued charges and deferred income492/3€127,210€120,876€102,414€85,749▼ 16.3%
Line2022202320242025Change
Profit (loss) for the period9904-€294,069€542,369€49,504€79,740▲ 61.1%
+ Depreciation and write-downs630€89,941€165,502€176,013€179,471▲ 2.0%
Operating cash flow (approximation)-€204,128€707,871€225,517€259,211▲ 14.9%
Investment in fixed assets (approximation)--€59,534-€35,378-€25,002▲ 29.3%
Change in cash-€226,038-€92,809-€188,874▼ 104%

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

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
24-04
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial Equity above €500,000Eq €579,244 ▲16%
3 profitable years in a row build equity to €579,244.
18-04
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
19-03
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial Back to profitnet €542,369
Net result €542,369 after one loss-making year.
30-09
Financial Equity above €200,000Eq €450,000
Equity rises from -€44,069 to €450,000.
21-03
NBB filing Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
1 act for this company is 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, Villers-la-Ville · 1 establishment unit since 2022
establishment The establishment unit on the map
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.

Ch. de la Bruyère des Censes 21495 Villers-la-Ville
Ground area
8,540 m²
Building footprint
1,591 m²
Parcel 25003D0040/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ISITOK
Chaussée de Bruxelles 4b, 1470 GenappeSupermarkets
since 20222.326.801.158
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25003D0040/00P000 Wallonia 8,540 m² 1 · 1,591 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.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. LUJACENSES 100%
  2. ISITOK

Highest known parent: LUJACENSES. The sources do not say who stands above it.

Owners 1

Holdings 0

The accounts to 30-09-2025 list no holdings, and no other source names one.

According to the annual accounts to 30-09-2025 of ISITOK and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Recognitions · licences · registrations

Food safety, FASFC

1 site · 1 with a smiley
Genappe2.326.801.158
2 permissions · smiley 2027FR00173 valid until 03-04-2027
Toelating · Bakkerij · since 01-03-2022
Toelating · Detailhandel · since 01-03-2022

Similar companies · same sector, comparable size

Of 3,824 companies in sector 47210 we hold annual accounts for 965. 512 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
Founded26-08-2021
Fiscal year end30-09
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47210Retail sale of fruit and vegetables
47221Retail sale of meat and meat products, excluding game and poultry
47241Retail sale of bread and pastry (bakery outlets)
E-invoicing
Reachable via Peppol
Peppol ID 0208:0772910846
Also 9925:BE0772910846
Registered 27-06-2025

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

Register as of 28 September 2026 · Peppol Directory

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