Izinyo
ActiveIzinyo has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €351k and a net result of €150k. Equity is growing by ~56.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 16491 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency87▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.4 against 5.42 in 2024; short-term debt: 33.8% and cash: 22.4% of total assets), and 38.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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
61.8%
Return on assets
26.4%
Age of the figures
9 mo
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 06-05-2026, 86 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
86 d early
2024
27 d early
2023
49 d early
2022
47 d early
2021
19 d early
2020
9 d early
2019
36 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€351k▼ 0.7%
2024 · €354k
2018: €23k
2019: €31k
2020: €41k
2021: €73k
2022: €133k
2023: €218k
2024: €354k
2018 → 2025
Total assets
€568k▲ 23.6%
2024 · €460k
2018: €234k
2019: €203k
2020: €188k
2021: €200k
2022: €299k
2023: €335k
2024: €460k
2018 → 2025
Net result
€150k▲ 10.3%
2024 · €136k
2018: €-1k
2019: €8k
2020: €9k
2021: €39k
2022: €60k
2023: €85k
2024: €136k
2018 → 2025
Working capital
€269k▼ 5.2%
2024 · €284k
2018: €-21k
2019: €-10k
2020: €22k
2021: €40k
2022: €51k
2023: €160k
2024: €284k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€133k▲ 83.0%€218k▲ 63.4%€354k▲ 62.4%€351k▼ 0.7%
Operating result€56k-€89k▲ 59.0%€123k▲ 38.3%€194k▲ 57.7%€181k▼ 7.0%
Net result€39k-€60k▲ 54.2%€85k▲ 39.9%€136k▲ 60.7%€150k▲ 10.3%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €568k
Fixed assets
€107k▼ 4.0%
Current assets
€461k▲ 32.5%
Equity and liabilities €568k
Equity
€351k▼ 0.7%
Debt
€217k▲ 105%
The debt ratio rises from 23.0% to 38.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€185k▼
2024 · €199k
Cash flow
€155k▲
2024 · €140k
Solvency
61.8%▼
2024 · 77.0%
Current ratio
2.40▼
2024 · 5.42
Quick ratio
2.40▼
2024 · 5.42
Debt / equity
0.62▲
2024 · 0.30
ROE
42.7%▲
2024 · 38.4%
ROA
26.4%▼
2024 · 29.6%
Interest coverage
58.48▲
2024 · 52.02
Debt
€217k▲
2024 · €106k
Debt ≤ 1 year
€192k▲
2024 · €64k
Debt > 1 year
€25k▼
2024 · €42k
Income taxes
€41k▼
2024 · €64k
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€460k€568k▲
Fixed assets21/28€112k€107k▼
Tangible fixed assets22/27€8k€4k▼
Furniture and vehicles24€5k€2k▼
Other tangible fixed assets26€3k€1k▼
Financial fixed assets28€103k€103k=
Current assets29/58€348k€461k▲
Amounts receivable after more than one year29€46k€45k▼
Other amounts receivable291€46k€45k▼
Amounts receivable within one year40/41€255k€261k▲
Trade receivables40€20k€21k▲
Other amounts receivable41€235k€240k▲
Cash at bank and in hand54/58€19k€127k▲
Deferred charges and accrued income490/1€28k€28k▲
Equity and liabilities
Total equity and liabilities10/49€460k€568k▲
Equity10/15€354k€351k▼
Contributions10/11€20k€20k=
Reserves13€333k€331k▼
Distributable reserves133€333k€331k▼
Profit (loss) carried forward14€622€0▼
Amounts payable17/49€106k€217k▲
Amounts payable after more than one year17€42k€25k▼
Other amounts payable178/9€42k€25k▼
Amounts payable within one year42/48€64k€192k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€30k€30k▼
Credit institutions430/8€30k€30k▼
Trade debts44€779€630▼
Suppliers440/4€779€630▼
Taxes, remuneration and social security45€33k€32k▼
Taxes450/3€33k€32k▼
Other amounts payable47/48-€130k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€1k€1k▼
Gross operating margin9900€200k€187k▼
Operating profit (loss)9901€194k€181k▼
Financial income75/76B€9k€14k▲
Recurring financial income75€9k€14k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€200k€191k▼
Income taxes67/77€64k€41k▼
Profit (loss) for the period9904€136k€150k▲
Profit (loss) for the period to be appropriated9905€136k€150k▲
Appropriation of the result
Profit (loss) to be appropriated9906€137k€151k▲
Profit (loss) brought forward from the previous period14P€611€622▲
Transfer from equity791/2-€2k
Transfer to equity691/2€136k€0▼
To other reserves6921€136k€0▼
Profit to be distributed694/7-€153k
Return on contributions (dividend)694-€153k
The notes to these accounts (10 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
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €150k ▲10.3%
Net result €150k, the highest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.74
Current ratio from 1.56 to 3.74; short-term debt falls from €90k to €59k.
31-12
Financial
Equity above €200kEq €218k ▲63.4%
5 profitable years in a row build equity to €218k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €133k ▲83%
4 profitable years in a row build equity to €133k.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Essen · 1 establishment unit since 2016
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.
Stationsstraat 1212910 EssenGround area
460 m²
Building footprint
437 m²
Volume, LiDAR
3,007 m³
Parcel 11016E0744/00A003, Flanders · tallest building 14.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Izinyo
since 20162.257.781.896
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11016E0744/00A003 | Flanders | 460 m² | 1 · 437 m² | 14.7 m · 1 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 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,640 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-10-2016
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.