ISY BIO
ActiveSummary
ISY BIO has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €368,785 and a net result of €166,232. Equity is growing by about 15% per year across the filed financial years. Its solvency ranks better than 36% of 9,624 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €368,785
- Profit
- €166,232
Why 95lowers riskSize: total assets €1.1mFigures for financial year 2025 (filed 16-07-2026)Sector: Office administrative, office support and other business support activities (NACE 82)Liquidity: current ratio 2.81, cash €130,177Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro): better than 37% on solvency, 59% on liquidity, 61% on profitability and 78% on growth.
The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 88 days before the deadline; the sector median (NACE 82) for financial year 2024 is 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Highest result from 2018 to 2025net €166,232 ▲241%
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has risen four years in a row; 2025 is 3.9 times 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 82, Office administrative, office support and other business support activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 96.5% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of < 0.1% 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 497,475 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% | 0.9% |
| 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 74.5% 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 17,811 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,017 | €14,879 | €15,083 | €15,026 | €10,252 | €9,216 | €9,586 | €10,293 | ▲ 7.4% |
| Other operating charges640/8 | - | - | - | - | €5,231 | €2,422 | €3,470 | €3,792 | ▲ 9.3% |
| Gross operating margin9900 | €27,065 | €49,982 | €46,195 | €35,798 | €54,601 | €75,742 | €80,207 | €276,087 | ▲ 244% |
| Operating profit (loss)9901 | €20,767 | €34,663 | €30,471 | €19,017 | €39,118 | €64,103 | €67,151 | €262,002 | ▲ 290% |
| Financial income75/76B | - | - | - | - | €22 | €45 | €53 | €1,118 | ▲ 21× |
| Recurring financial income75 | €148 | €396 | €513 | €270 | €22 | €45 | €53 | €1,118 | ▲ 21× |
| Financial charges65/66B | - | - | - | - | €3,311 | €11,035 | €2,955 | €15,241 | ▲ 416% |
| Recurring financial charges65 | €179 | €3,155 | €3,434 | €3,344 | €3,311 | €11,035 | €2,955 | €6,526 | ▲ 121% |
| Non-recurring financial charges66B | - | - | - | - | - | - | - | €8,715 | - |
| Profit (loss) for the period before taxes9903 | €20,736 | €31,904 | €27,550 | €15,943 | €35,829 | €53,114 | €64,249 | €247,879 | ▲ 286% |
| Income taxes67/77 | €6,145 | €9,201 | €8,461 | €4,609 | €10,323 | €14,496 | €15,550 | €81,646 | ▲ 425% |
| Profit (loss) for the period9904 | €14,591 | €22,703 | €19,089 | €11,334 | €25,506 | €38,618 | €48,699 | €166,232 | ▲ 241% |
| Profit (loss) for the period to be appropriated9905 | €14,591 | €22,703 | €19,089 | €11,334 | €25,506 | €38,618 | €48,699 | €166,232 | ▲ 241% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.1m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.4m | €1.1m | ▲ 214% |
| Fixed assets21/28 | €0.04m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €1.0m | ▲ 549% |
| Intangible fixed assets21 | €0.004m | €0.003m | €0.003m | €0.002m | €0.001m | €371 | €83 | - | - |
| Tangible fixed assets22/27 | €0.01m | €0.2m | €0.2m | €0.2m | €0.1m | €0.1m | €0.1m | €1.0m | ▲ 670% |
| Land and buildings22 | - | - | - | - | €0.1m | €0.1m | €0.1m | €1.0m | ▲ 677% |
| Furniture and vehicles24 | - | - | - | - | - | - | €0.001m | €0.001m | ▼ 44.4% |
| Financial fixed assets28 | €0.02m | €0.02m | - | €0.05m | €0.05m | €0.03m | €0.03m | €0.02m | ▼ 33.2% |
| Current assets29/58 | €0.1m | €0.07m | €0.1m | €0.1m | €0.1m | €0.2m | €0.2m | €0.2m | ▼ 25.8% |
| Amounts receivable after more than one year29 | - | - | - | - | €0.06m | €0.06m | - | - | - |
| Trade receivables290 | - | - | - | - | €0.06m | €0.06m | - | - | - |
| Amounts receivable within one year40/41 | €0.03m | €0.02m | €0.02m | €0.02m | €0.03m | €0.05m | €0.02m | €0.02m | ▲ 9.6% |
| Trade receivables40 | - | - | - | - | €0.03m | €0.05m | €0.02m | €0.02m | ▲ 1.1% |
| Other amounts receivable41 | - | - | - | - | €0.001m | €0.001m | €0.002m | €0.003m | ▲ 93.2% |
| Cash at bank and in hand54/58 | €0.07m | €0.04m | €0.1m | €354 | €0.03m | €0.06m | €0.2m | €0.1m | ▼ 33.0% |
| Deferred charges and accrued income490/1 | - | - | - | - | €0.001m | €0.002m | €0.001m | €0.009m | ▲ 542% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.1m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.4m | €1.1m | ▲ 214% |
| Equity10/15 | €0.1m | €0.1m | €0.2m | €0.2m | €0.2m | €0.2m | €0.3m | €0.4m | ▲ 44.7% |
| Contributions10/11 | €0.01m | €0.01m | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Reserves13 | €0.03m | €0.05m | €0.07m | €0.08m | €0.1m | €0.1m | €0.2m | €0.3m | ▲ 68.2% |
| Non-distributable reserves130/1 | - | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Reserves not available under the articles1311 | - | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Distributable reserves133 | - | - | - | - | €0.1m | €0.1m | €0.2m | €0.3m | ▲ 69.0% |
| Profit (loss) carried forward14 | €0.08m | €0.08m | €0.08m | €0.08m | €0.08m | €0.08m | €0.08m | €0.08m | = |
| Amounts payable17/49 | €0.02m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.8m | ▲ 605% |
| Amounts payable after more than one year17 | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.09m | €0.09m | €0.7m | ▲ 714% |
| Financial debts170/4 | - | - | - | - | €0.1m | €0.09m | €0.09m | €0.7m | ▲ 714% |
| Amounts payable within one year42/48 | €0.02m | €0.02m | €0.03m | €0.03m | €0.03m | €0.02m | €0.02m | €0.06m | ▲ 159% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €0.005m | €0.005m | €0.005m | €0.03m | ▲ 450% |
| Financial debts43 | - | - | - | - | - | - | €449 | €220 | ▼ 51.0% |
| Other loans439 | - | - | - | - | - | - | €449 | €220 | ▼ 51.0% |
| Trade debts44 | €0.003m | €0.002m | €373 | €0.002m | €391 | €465 | €0.002m | €0.006m | ▲ 187% |
| Suppliers440/4 | - | - | - | - | €391 | €465 | €0.002m | €0.006m | ▲ 187% |
| Taxes, remuneration and social security45 | - | - | - | - | €0.007m | €0.01m | €0.01m | €0.02m | ▲ 47.6% |
| Taxes450/3 | - | - | - | - | €0.007m | €0.01m | €0.01m | €0.02m | ▲ 85.4% |
| Remuneration and social security454/9 | - | - | - | - | - | - | €0.003m | - | - |
| Other amounts payable47/48 | - | - | - | - | €0.01m | €0.004m | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €27 | €28 | €50 | €47 | ▼ 7.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,591 | €22,703 | €19,089 | €11,334 | €25,506 | €38,618 | €48,699 | €166,232 | ▲ 241% |
| + Depreciation and write-downs630 | €6,017 | €14,879 | €15,083 | €15,026 | €10,252 | €9,216 | €9,586 | €10,293 | ▲ 7.4% |
| Operating cash flow (approximation) | €20,608 | €37,582 | €34,172 | €26,360 | €35,759 | €47,835 | €58,285 | €176,525 | ▲ 203% |
| Investment in fixed assets (approximation) | - | -€178,573 | €18,563 | -€50,000 | €0 | €23,750 | -€1,484 | -€846,904 | ▼ 56,970% |
| Change in cash | - | -€25,620 | €51,116 | -€94,675 | €25,681 | €29,334 | €138,897 | -€64,089 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 11 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 16-07-2026 | 2026-00330498 |
| 31-12-2024 | micro format | 10-03-2025 | 2025-00046299 |
| 31-12-2023 | micro format | 25-03-2024 | 2024-00048922 |
| 31-12-2022 | micro format | 20-04-2023 | 2023-00062004 |
| 31-12-2021 | micro format | 17-03-2022 | 2022-08000598 |
| 31-12-2020 | micro format | 15-06-2021 | 2021-19900561 |
| 31-12-2019 | micro format | 16-06-2020 | 2020-17400249 |
| 31-12-2018 | micro format | 24-06-2019 | 2019-21400568 |
| 31-12-2017 | micro format | 26-07-2018 | 2018-38700023 |
| 31-12-2016 | micro format | 13-06-2017 | 2017-17000326 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| ISOARD Julien |
|
Owners and capital
Capital and shareholders
- 30-11-2023 Converted to available equity
Group and network
Holdings and subsidiaries
1 holdingHoldings 1
-
13.33%
According to the 2022 annual accounts of ISY BIO and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. 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 include these statements in its annual accounts, or does not have to, is not listed.
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
30-11
Gazette deed
Reappointment: ISOARD Julien (director)Capital conversion · Amendment of the articles · Capital7 facts ▸
- General meeting, 27-11-2023
- Capital conversion, “Autre apport disponible hors capital” (deed in French)
- Amendment of the articles
- Capital
- Other provision, “cessions et transmissions d'actions, Article 9” (deed in French)
- Registered office clause, “7021 Havré, rue Georges Mabile 24” (deed in French)
- Director reappointment, ISOARD Julien (director (not named in the articles))
Show earlier events
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 53038B0462/00H000 | Wallonia | 502 m² | 1 · 64 m² | 8.9 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Gestion journalière des sociétés,management opérationnel et restructuration; L’analyse des marchés,études économiques sectorielles et…” (deed in French)
12 activities (deed in French)
- Gestion journalière des sociétés,management opérationnel et restructuration
- L’analyse des marchés,études économiques sectorielles et financières
- La validation et la mise en place du Business Model du client incluant le positionnement marché,la segmentation,l’analyse SWOT,les partenariats stratégiques,l’identification des canaux clés et le mode de rémunération
- L’identification de prospects et la prospection par mail,appel à froid,démarchage sur site,ou toute autre technique en vue de l’acquisition de nouveaux prospects internationaux intéressés à la solution proposée
- La qualification de leads par l’analyse budgétaire,contraintes temporelles,concurrence,délivrable attendu
- La représentation sur salons et congrès internationaux des entités clientes
- La rédaction d’offres de services,de deals de licensing,de partenariats
- La réception de prospect sur le site du client
- La négociation contractuelle,la rédaction d’addenda contractuels ainsi que le suivi des potentielles déviations au cours de la prestation de client avec son prospect(renégociation de termes contractuels,rupture unilatérale,cas de force majeure,violation d’IP)
- Toutes fonctions de consultance et/ou de service liées aux domaines précités
- L’acceptation de l’exercice de mandats de gérant,d’administration,de liquidateur,et de membre de comité de direction dans toutes sociétés,entreprises ou associations
- L’obtention et la gestion de licences et brevets
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- ISY BIO
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, Article 2-Siège” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Un ou plusieurs administrateurs, assemblée générale” (deed in French)
Capital, shares and profit
- Share issue ruleHow and by whom new shares can be issued.
- “Agrément de la moitié au moins des actionnaires possédant au moins trois/quarts des actions, capitaux propres disponible susceptible de…” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Second Friday of June at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Décider dissolution ou mesures annoncées pour continuité, organe d’administration convoque assemblée générale” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Sauf liquidation en un seul acte, réparti de manière égale entre toutes les actions” (deed in French)