IZIFAC
ActiveIZIFAC has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €21k. Equity is growing by ~42.6% per year across the filed fiscal years. Its solvency ranks better than 18% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+35
Solvency40▲+8
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.28 in 2024; short-term debt: 32% and cash: 9.8% of total assets), and 84.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 17007 sector peers (2025).
NBB · sector comparisonPosition among 17007 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
27 d late
2023
4 d early
2022
11 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 144%
2024 · €14k
2022: €10k
2023: €11k
2024: €14k
2022 → 2025
Total assets
€228k▲ 15.0%
2024 · €198k
2022: €19k
2023: €163k
2024: €198k
2022 → 2025
Net result
€21k▲ 465%
2024 · €4k
2022: €9k
2023: €3k
2024: €4k
2022 → 2025
Working capital
€-35k▲ 11.5%
2024 · €-39k
2022: €8k
2023: €-124k
2024: €-39k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€10k-€11k▲ 6.7%€14k▲ 34.1%€35k▲ 144%
Operating result€10k-€3k▼ 72.9%€12k▲ 334%€34k▲ 176%
Net result€9k-€3k▼ 70.2%€4k▲ 35.8%€21k▲ 465%
Turnover and EBIT margin not published: the 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 176% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€190k▲ 3.9%
Current assets
€38k▲ 145%
Equity and liabilities €228k
Equity
€35k▲ 144%
Debt
€193k▲ 5.0%
The debt ratio falls from 92.8% to 84.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€50k▲
2024 · €22k
Cash flow
€36k▲
2024 · €13k
Solvency
15.3%▲
2024 · 7.2%
Current ratio
0.52▲
2024 · 0.28
Quick ratio
0.52▲
2024 · 0.28
Debt / equity
5.54▼
2024 · 12.87
ROE
59.0%▲
2024 · 25.4%
ROA
9.0%▲
2024 · 1.8%
Interest coverage
6.81▲
2024 · 2.83
Debt
€193k▲
2024 · €184k
Debt ≤ 1 year
€73k▲
2024 · €55k
Debt > 1 year
€120k▼
2024 · €129k
Income taxes
€6k▲
2024 · €880
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€198k€228k▲
Fixed assets21/28€182k€190k▲
Intangible fixed assets21€3k€556▼
Tangible fixed assets22/27€180k€189k▲
Land and buildings22€176k€185k▲
Plant, machinery and equipment23€1k€472▼
Furniture and vehicles24€2k€3k▲
Current assets29/58€16k€38k▲
Amounts receivable within one year40/41€9k€12k▲
Trade receivables40€7k€11k▲
Other amounts receivable41€1k€221▼
Cash at bank and in hand54/58€2k€22k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€198k€228k▲
Equity10/15€14k€35k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€11k€32k▲
Amounts payable17/49€184k€193k▲
Amounts payable after more than one year17€129k€120k▼
Financial debts170/4€129k€120k▼
Amounts payable within one year42/48€55k€73k▲
Current portion of amounts payable after more than one year42€5k€7k▲
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€3k€14k▲
Taxes450/3€1k€11k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€37k€47k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€16k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€24k€53k▲
Operating profit (loss)9901€12k€34k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€5k€27k▲
Income taxes67/77€880€6k▲
Profit (loss) for the period9904€4k€21k▲
Profit (loss) for the period to be appropriated9905€4k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€32k▲
Profit (loss) brought forward from the previous period14P€8k€11k▲
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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2022net €21k ▲465%
Operating result €34k, net result €21k, both a record.
2024
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €3k ▼70.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
2022
20-10
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
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, Libin · 1 establishment unit since 2020
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.
Rue de Villance 1056890 LibinGround area
1,115 m²
Building footprint
115 m²
Volume, LiDAR
892 m³
Parcel 84035B1031/00M000, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IZIFAC
since 20202.308.834.778
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84035B1031/00M000 | Wallonia | 1,115 m² | 1 · 115 m² | 9.2 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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STEVENART.DEV
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iCentro
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ACROID
BE 0867.597.593
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CGROUP COMMUNICATION
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EMR CONSULTING
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 6,522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2020
Fiscal year end31-03
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
47120Other non-specialised retail sale
47910Retail trade
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
85599Other education
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.