IZABEN
ActiveIZABEN has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €169k and a net result of €34k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 66% of 3468 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-11
Solvency92=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 2.68 in 2024; short-term debt: 31.9% and cash: 68.4% of total assets), and 32.8% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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
67.2%
Return on assets
13.6%
Age of the figures
9 mo
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
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 11-05-2026, 81 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
81 d early
2024
77 d early
2023
79 d early
2022
53 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€169k▲ 8.7%
2024 · €156k
2022: €78k
2023: €127k
2024: €156k
2022 → 2025
Total assets
€252k▲ 8.5%
2024 · €232k
2022: €128k
2023: €187k
2024: €232k
2022 → 2025
Net result
€34k▼ 35.4%
2024 · €53k
2022: €14k
2023: €50k
2024: €53k
2022 → 2025
Working capital
€135k▲ 7.2%
2024 · €126k
2022: €70k
2023: €95k
2024: €126k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€78k-€127k▲ 61.8%€156k▲ 22.9%€169k▲ 8.7%
Operating result€22k-€73k▲ 228%€78k▲ 7.2%€50k▼ 35.5%
Net result€14k-€50k▲ 265%€53k▲ 6.2%€34k▼ 35.4%
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 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €252k
Fixed assets
€36k▲ 16.6%
Current assets
€216k▲ 7.2%
Equity and liabilities €252k
Equity
€169k▲ 8.7%
Debt
€83k▲ 7.9%
The debt ratio falls from 33.0% to 32.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€60k▼
2024 · €87k
Cash flow
€44k▼
2024 · €62k
Solvency
67.2%▲
2024 · 67.0%
Current ratio
2.68=
2024 · 2.68
Quick ratio
2.68=
2024 · 2.68
Debt / equity
0.49▼
2024 · 0.49
ROE
20.3%▼
2024 · 34.1%
ROA
13.6%▼
2024 · 22.9%
Interest coverage
25.57▼
2024 · 35.24
Debt
€83k▲
2024 · €77k
Debt ≤ 1 year
€80k▲
2024 · €75k
Income taxes
€14k▼
2024 · €23k
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€232k€252k▲
Fixed assets21/28€31k€36k▲
Tangible fixed assets22/27€31k€36k▲
Furniture and vehicles24€28k€19k▼
Other tangible fixed assets26€3k€17k▲
Financial fixed assets28€120€120=
Current assets29/58€201k€216k▲
Amounts receivable within one year40/41€29k€39k▲
Trade receivables40€23k€36k▲
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€167k€172k▲
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€232k€252k▲
Equity10/15€156k€169k▲
Contributions10/11€2k€2k=
Reserves13€154k€167k▲
Distributable reserves133€154k€167k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€77k€83k▲
Amounts payable within one year42/48€75k€80k▲
Trade debts44€12k€14k▲
Suppliers440/4€12k€14k▲
Taxes, remuneration and social security45€16k€10k▼
Taxes450/3€9k€10k▲
Remuneration and social security454/9€7k€0▼
Other amounts payable47/48€47k€57k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€89k€62k▼
Operating profit (loss)9901€78k€50k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€76k€48k▼
Income taxes67/77€23k€14k▼
Profit (loss) for the period9904€53k€34k▼
Profit (loss) for the period to be appropriated9905€53k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€34k▼
Transfer from equity791/2€22k€19k▼
Transfer to equity691/2€51k€33k▼
To other reserves6921€51k€33k▼
Profit to be distributed694/7€24k€21k▼
Return on contributions (dividend)694€24k€21k▼
The notes to these accounts (11 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €53k ▲6.2%
Operating result €78k, net result €53k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲22.9%
3 profitable years in a row build equity to €156k.
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €127k ▲61.8%
2 profitable years in a row build equity to €127k.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Lede · 1 establishment unit since 2019
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.
Kasteeldreef 619340 LedeGround area
629 m²
Building footprint
415 m²
Volume, LiDAR
4,030 m³
Parcel 41034F0744/00B000, Flanders · tallest building 15.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Benzamien
since 20192.293.944.882
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034F0744/00B000 | Flanders | 629 m² | 1 · 415 m² | 15.5 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.
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Of 6,296 companies in sector 74120 we hold annual accounts for 1,010. 728 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2018
Fiscal year end31-12
Activities, NACEBEL
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
73110Advertising agencies
73120Media representation
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.