iZEM
ActiveiZEM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €376k and a net result of €116k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 7974 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-02-2026, 9 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
9 d late
2024
1 d early
2023
1 d early
2022
1 d early
2021
3 d early
2020
93 d early
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€376k▼ 9.5%
2024 · €416k
2019: €93k
2020: €174k
2021: €269k
2022: €339k
2023: €358k
2024: €416k
2019 → 2025
Net result
€116k▲ 70.4%
2024 · €68k
2019: €41k
2020: €81k
2021: €118k
2022: €70k
2023: €22k
2024: €68k
2019 → 2025
Total assets
€627k▼ 4.9%
2024 · €659k
2019: €526k
2020: €678k
2021: €623k
2022: €595k
2023: €570k
2024: €659k
2019 → 2025
Solvency
60.0%▼ 3.1pp
2024 · 63.0%
2019: 17.7%
2020: 25.7%
2021: 43.2%
2022: 56.9%
2023: 62.7%
2024: 63.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€269k-€339k▲ 26.1%€358k▲ 5.5%€416k▲ 16.3%€376k▼ 9.5%
Operating result€156k-€91k▼ 41.4%€32k▼ 65.0%€88k▲ 174%€152k▲ 73.6%
Net result€118k-€70k▼ 40.7%€22k▼ 68.3%€68k▲ 207%€116k▲ 70.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 74% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €627k
Fixed assets
€613k▼ 5.7%
Current assets
€14k▲ 47.5%
Equity and liabilities €627k
Equity
€376k▼ 9.5%
Debt
€251k▲ 3.0%
The debt ratio rises from 37.0% to 40.0%: debt grows while equity shrinks.
Key figures and ratios
Solvency
60.0%▼
2024 · 63.0%
ROE
30.9%▲
2024 · 16.4%
ROA
18.5%▲
2024 · 10.3%
Debt
€251k▲
2024 · €244k
Debt ≤ 1 year
€137k▲
2024 · €110k
Debt > 1 year
€114k▼
2024 · €134k
Income taxes
€33k▲
2024 · €15k
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€659k€627k▼
Fixed assets21/28€650k€613k▼
Tangible fixed assets22/27€649k€612k▼
Land and buildings22€630k€598k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€16k€12k▼
Financial fixed assets28€1k€1k=
Current assets29/58€9k€14k▲
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€90€488▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€5k€8k▲
Deferred charges and accrued income490/1€637€1k▲
Equity and liabilities
Total equity and liabilities10/49€659k€627k▼
Equity10/15€416k€376k▼
Contributions10/11€19k€19k=
Reserves13€397k€357k▼
Tax-exempt reserves132€15k€15k=
Distributable reserves133€382k€342k▼
Amounts payable17/49€244k€251k▲
Amounts payable after more than one year17€134k€114k▼
Financial debts170/4€134k€114k▼
Amounts payable within one year42/48€110k€137k▲
Current portion of amounts payable after more than one year42€34k€20k▼
Trade debts44€221€1k▲
Suppliers440/4€221€1k▲
Advances received on contracts in progress46-€590
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Other amounts payable47/48€73k€108k▲
Accrued charges and deferred income492/3€42€134▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€30k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€120k€185k▲
Operating profit (loss)9901€88k€152k▲
Financial income75/76B€1€2▲
Recurring financial income75€1€2▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€84k€149k▲
Income taxes67/77€15k€33k▲
Profit (loss) for the period9904€68k€116k▲
Profit (loss) for the period to be appropriated9905€68k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€116k▲
Transfer from equity791/2-€156k
Transfer to equity691/2€58k€116k▲
To other reserves6921€58k€116k▲
Profit to be distributed694/7€10k€156k▲
Return on contributions (dividend)694€10k€156k▲
The notes to these accounts (7 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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €22k ▼68.3%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Highest result since 2019net €118k ▲46%
Operating result €156k, net result €118k, both a record.
30-06
Financial
Equity above €200kEq €269k ▲54.1%
3 profitable years in a row build equity to €269k.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Equity above €150kEq €174k ▲86.8%
2 profitable years in a row build equity to €174k.
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
02-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Nieuwpoort · 1 establishment unit since 2014
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.
Canadalaan 388620 NieuwpoortGround area
124 m²
Building footprint
86 m²
Volume, LiDAR
520 m³
Parcel 38016A0029/00S004, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
iZEM
since 20142.238.686.952
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38016A0029/00S004 | Flanders | 124 m² | 1 · 86 m² | 10.7 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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,726 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2014
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.