IZ-Solutions
ActiveIZ-Solutions has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €10k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
93
/ 100
Excellent▲ +41 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+51
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 12.03 against 8.14 in 2024), and 8.3% 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
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
91.7%
Return on assets
9.4%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-07-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
58 d early
2023
57 d early
2022
57 d early
2021
30 d early
2020
60 d early
2019
52 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▲ 11.4%
2024 · €85k
2018: €24k
2019: €37k
2020: €55k
2021: €70k
2022: €94k
2023: €91k
2024: €85k
2018 → 2025
Total assets
€103k▲ 6.6%
2024 · €96k
2018: €59k
2019: €73k
2020: €118k
2021: €197k
2022: €157k
2023: €125k
2024: €96k
2018 → 2025
Net result
€10k
2024 · €-7k
2018: €12k
2019: €13k
2020: €18k
2021: €15k
2022: €24k
2023: €-3k
2024: €-7k
2018 → 2025
Working capital
€94k▲ 11.4%
2024 · €85k
2018: €24k
2019: €37k
2020: €53k
2021: €66k
2022: €92k
2023: €91k
2024: €85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€94k▲ 34.8%€91k▼ 3.2%€85k▼ 7.1%€94k▲ 11.4%
Operating result€22k-€36k▲ 61.5%€-3k€-6k▼ 143%€10k
Net result€15k-€24k▲ 63.3%€-3k€-7k▼ 114%€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €103k
Equity
€94k▲ 11.4%
Debt
€9k▼ 27.9%
The debt ratio falls from 12.3% to 8.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
91.7%▲
2024 · 87.7%
Current ratio
12.03▲
2024 · 8.14
Quick ratio
10.37▲
2024 · 7.07
Debt / equity
0.09▼
2024 · 0.14
ROE
10.3%▲
2024 · -7.7%
ROA
9.4%▲
2024 · -6.7%
Debt
€9k▼
2024 · €12k
Debt ≤ 1 year
€9k▼
2024 · €12k
Income taxes
€76
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€96k€103k▲
Current assets29/58€96k€103k▲
Stocks and contracts in progress3€13k€14k▲
Stocks30/36€13k€14k▲
Amounts receivable within one year40/41€74k€83k▲
Trade receivables40€58k€50k▼
Other amounts receivable41€15k€33k▲
Cash at bank and in hand54/58€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€96k€103k▲
Equity10/15€85k€94k▲
Contributions10/11€6k€6k=
Reserves13€83k€83k=
Distributable reserves133€83k€83k=
Profit (loss) carried forward14€-4k€5k▲
Amounts payable17/49€12k€9k▼
Amounts payable within one year42/48€12k€9k▼
Trade debts44€5k-
Suppliers440/4€5k-
Advances received on contracts in progress46€174-
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€7k€7k=
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€310-
Other operating charges640/8€415-
Gross operating margin9900€-6k€10k▲
Operating profit (loss)9901€-6k€10k▲
Financial income75/76B-€21
Recurring financial income75-€21
Financial charges65/66B€137€286▲
Recurring financial charges65€137€286▲
Profit (loss) for the period before taxes9903€-7k€10k▲
Income taxes67/77-€76
Profit (loss) for the period9904€-7k€10k▲
Profit (loss) for the period to be appropriated9905€-7k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€5k▲
Profit (loss) brought forward from the previous period14P€2k€-4k▼
The notes to these accounts (5 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 8.14
Current ratio from 3.70 to 8.14; short-term debt falls from €34k to €12k.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €24k ▲63.3%
Operating result €36k, net result €24k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Zele · 1 establishment unit since 2013
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.
Spinnerijstraat 49240 ZeleGround area
2,140 m²
Building footprint
1,158 m²
Volume, LiDAR
6,414 m³
Parcel 42028A1402/00D000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IZ-SOLUTIONS
since 20132.221.101.644
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42028A1402/00D000 | Flanders | 2,140 m² | 1 · 1,158 m² | 7.2 m · 2 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.
Similar companies · same sector, comparable size
ONE-STOP BUILD KONSTRUCTIVE
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BE 0690.740.463
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HOUTPUNT
BE 0821.137.464
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@Energy
BE 0671.455.279
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PUR-O-FLOORING
BE 0755.719.773
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Of 1,136 companies in sector 46130 we hold annual accounts for 646. 513 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2013
Fiscal year end31-12
Activities, NACEBEL
46130Agents in the wholesale of timber and building materials
68121Development of residential building projects
46839Wholesale trade
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68204Real estate activities
68310Real estate agency activities
68311Real estate activities
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.