IZTEX
ActiveThe computed 12-month bankruptcy probability of IZTEX is 2.8% (moderate). The 2025 annual accounts show equity of €47k and a net result of €26k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 18207 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+83
Solvency93▼-5
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.15 against 3.58 in 2024; short-term debt: 31.6% and cash: 60.7% of total assets), and 31.6% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
68.4%
Return on assets
37.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
23 d late
2022
31 d late
2021
19 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 124%
2024 · €21k
2021: €19k
2022: €24k
2023: €23k
2024: €21k
2021 → 2025
Total assets
€68k▲ 139%
2024 · €29k
2021: €27k
2022: €32k
2023: €31k
2024: €29k
2021 → 2025
Net result
€26k
2024 · €-2k
2021: €4k
2022: €5k
2023: €-1k
2024: €-2k
2021 → 2025
Working capital
€46k▲ 132%
2024 · €20k
2021: €18k
2022: €24k
2023: €22k
2024: €20k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€24k▲ 26.3%€23k▼ 5.5%€21k▼ 9.9%€47k▲ 124%
Operating result€5k-€5k▲ 16.9%€-690€26k
Net result€4k-€5k▲ 16.4%€-1k€-2k▼ 69.5%€26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €26k after a loss of €690 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€241▼ 71.7%
Current assets
€68k▲ 145%
Equity and liabilities €68k
Equity
€47k▲ 124%
Debt
€22k▲ 179%
The debt ratio rises from 27.1% to 31.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k
Cash flow
€26k
Solvency
68.4%▼
2024 · 72.9%
Current ratio
3.15▼
2024 · 3.58
Quick ratio
2.77▼
2024 · 2.88
Debt / equity
0.46▲
2024 · 0.37
ROE
55.4%▲
2024 · -11.0%
ROA
37.9%▲
2024 · -8.0%
Interest coverage
94.72
Debt
€22k▲
2024 · €8k
Debt ≤ 1 year
€22k▲
2024 · €8k
Staff costs
€3k
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€29k€68k▲
Fixed assets21/28€852€241▼
Tangible fixed assets22/27€852€241▼
Furniture and vehicles24€852€241▼
Current assets29/58€28k€68k▲
Stocks and contracts in progress3€5k€8k▲
Stocks30/36€5k€8k▲
Amounts receivable within one year40/41€22k€18k▼
Other amounts receivable41€22k€18k▼
Cash at bank and in hand54/58€35€41k▲
Equity and liabilities
Total equity and liabilities10/49€29k€68k▲
Equity10/15€21k€47k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€6k€32k▲
Amounts payable17/49€8k€22k▲
Amounts payable within one year42/48€8k€22k▲
Trade debts44€8k€8k▲
Suppliers440/4€8k€8k▲
Taxes, remuneration and social security45-€13k
Taxes450/3-€10k
Remuneration and social security454/9-€3k
Other amounts payable47/48€174€174=
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€277-
Remuneration, social security and pensions62-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€611
Other operating charges640/8€413€427▲
Gross operating margin9900€-277€30k▲
Operating profit (loss)9901€-690€26k▲
Financial charges65/66B€436€282▼
Recurring financial charges65€436€282▼
Profit (loss) for the period before taxes9903€-1k€26k▲
Income taxes67/77€1k-
Profit (loss) for the period9904€-2k€26k▲
Profit (loss) for the period to be appropriated9905€-2k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€32k▲
Profit (loss) brought forward from the previous period14P€8k€6k▼
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
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, Sint-Jans-Molenbeek · 1 establishment unit since 2021
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.
Gentsesteenweg 71080 Sint-Jans-MolenbeekGround area
1.1 ha
Building footprint
4,822 m²
Volume, LiDAR
32,488 m³
2 parcels, Brussels, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
IZTEX
since 20212.317.101.455
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0358/00M000 | Flanders | 1.0 ha | 1 · 4,706 m² | 7.8 m · 2 fl. |
| 21522B0409/00H002 | Brussels | 114 m² | 1 · 116 m² | 17.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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TAOBE
BE 0675.689.231
Houffalize · Eq €47k
Baby'phine
BE 0758.459.727
Torhout · Eq €47k
MOONSTRUCK
BE 1017.052.819
Denderleeuw · Eq €47k
Rochefort Economie Locale Associative Interactive Solidaire coopérative
BE 0725.965.915
Rochefort · Eq €46k
Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,509 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2021
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47711Retail sale of women's outerwear
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.