Financials
- Fiscal year
- 2025
- Total assets
- €13,949
- Profit
- €11,906
- Solvency
- 88.9%
IZM 86
ActiveSummary
IZM 86 has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,406 and a net result of €11,906. Its solvency ranks better than 95% of 134 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Activity
Other postal and courier activities
NACE 53200
1 site
Size
€13,949total assets 2025
- Equity
- €12,406
- Profit
- €11,906
Turnover not published (abridged schema)
Structure
Accounts 53 d early0 of 1 deed read
Why 72- Founded in 2024- Size: total assets €13,949- Sector Postal and courier activities (NACE 53)+ Liquidity: current ratio 9.04, cash €13,949Show the evidence
Checked score
Score 2025
72
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 94% of its sector peers (NACE 53, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
100
equity 88.9% of total assets
Liquidity
99
short-term debt 11.1% · cash 100.0%
Profitability
100
return on assets 85.4%
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: 3.9%
11-2025: 4.0%▲ +2.3% vs 10-2025
12-2025: 4.1%▲ +1.8% vs 11-2025
01-2026: 4.6%▲ +11.2% vs 12-2025
02-2026: 4.6%● 0.0% vs 01-2026
03-2026: 4.9%▲ +7.1% vs 02-2026
04-2026: 5.3%▲ +8.9% vs 03-2026highest value
05-2026: 5.3%▼ -0.5% vs 04-2026
06-2026: 5.2%▼ -2.7% vs 05-2026
07-2026: 0.7%▼ -85.8% vs 06-2026
08-2026: 0.7%▼ -0.5% vs 07-2026lowest value
09-2026: 0.7%▲ +2.5% vs 08-2026
10-2026: 0.8%▲ +2.6% vs 09-2026
- Founded in 2024 raises the probability for this profile
- Size: total assets €13,949 raises the probability for this profile
- Liquidity: current ratio 9.04, cash €13,949 lowers the probability
- Sector Postal and courier activities (NACE 53) raises the probability
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 9.04; short-term debt: 11.1% and cash: 100% of total assets), and 11.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 53, micro). Better than this share of them on solvency 93%, liquidity 97%, profitability 93%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 08-06-2026, 53 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
53 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · abbreviated…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 08-06-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other postal and courier activitiesNACE 53200
- Founded
- 09-09-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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