Summary
IZUWI EUROPE 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 €174k and a net result of €64k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 2394 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
56 d late
2023
41 d late
2022
16 d late
2021
60 d late
2020
30 d late
2020
54 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€174k▲ 58.3%
2024 · €110k
2018: €80k
2020: €-257k
2020: €-579k
2021: €-660k
2022: €-722k
2023: €-1.10M
2024: €110k
2018 → 2025
Net result
€64k▼ 18.1%
2024 · €78k
2018: €2k
2020: €-337k
2020: €-322k
2021: €-81k
2022: €-63k
2023: €-377k
2024: €78k
2018 → 2025
Total assets
€308k▲ 117%
2024 · €142k
2018: €122k
2020: €2.07M
2020: €1.70M
2021: €1.39M
2022: €1.05M
2023: €307k
2024: €142k
2018 → 2025
Solvency
56.4%▼ 20.9pp
2024 · 77.2%
2018: 66.1%
2020: -12.4%
2020: -34.0%
2021: -47.5%
2022: -68.7%
2023: -358.3%
2024: 77.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-660k-€-722k▼ 9.5%€-1.10M▼ 52.1%€110k€174k▲ 58.3%
Operating result€-66k-€-23k▲ 64.8%€-247k▼ 964%€77k€36k▼ 53.7%
Net result€-81k-€-63k▲ 22.3%€-377k▼ 500%€78k€64k▼ 18.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €308k
Equity
€174k ▲ 58.3%
Debt
€134k ▲ 316%
Debt's share of the balance-sheet total rises from 22.8% to 43.6%. Equity and debt are higher.
Key figures and ratios
ROE
36.8%▼
2024 · 71.2%
ROA
20.8%▼
2024 · 55.0%
Debt ≤ 1 year
€134k▲
2024 · €32k
Staff costs
€66k▲
2024 · €931
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€142k€308k▲
Formation expenses20€7k€32k▲
Current assets29/58€135k€276k▲
Amounts receivable within one year40/41€35k€270k▲
Trade receivables40€22k€243k▲
Other amounts receivable41€13k€27k▲
Cash at bank and in hand54/58€99k€6k▼
Deferred charges and accrued income490/1€560-
Equity and liabilities
Total equity and liabilities10/49€142k€308k▲
Equity10/15€110k€174k▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€1k€6k▲
Non-distributable reserves130/1€1k€6k▲
Legal reserve130€1k€6k▲
Profit (loss) carried forward14€33k€92k▲
Amounts payable17/49€32k€134k▲
Amounts payable within one year42/48€32k€134k▲
Trade debts44€31k€127k▲
Suppliers440/4€31k€127k▲
Taxes, remuneration and social security45€1k€8k▲
Taxes450/3€1k-
Remuneration and social security454/9€67€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€931€66k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€8k▼
Other operating charges640/8€687€10k▲
Gross operating margin9900€109k€120k▲
Operating profit (loss)9901€77k€36k▼
Financial income75/76B€3k€29k▲
Recurring financial income75€3k€29k▲
Financial charges65/66B€2k€641▼
Recurring financial charges65€2k€641▼
Profit (loss) for the period before taxes9903€78k€64k▼
Profit (loss) for the period9904€78k€64k▼
Profit (loss) for the period to be appropriated9905€78k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1.10M€97k▲
Profit (loss) brought forward from the previous period14P€-1.18M€33k▲
Transfer from equity791/2€1.13M-
Transfer to equity691/2-€5k
To the legal reserve6920-€5k
Social balance
Average headcount (FTE)9087-1.0
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €150kEq €174k ▲58.3%
2 profitable years in a row build equity to €174k.
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 56 days late
2024
31-12
Financial
Back to profitnet €78k
Net result €78k after 5 loss-making years.
31-12
Financial
Liquidity times 22current ratio 4.16
Current ratio from 0.19 to 4.16; short-term debt falls from €1.41M to €32k.
31-12
Financial
Equity above €100kEq €110k
Equity rises from €-1.10M to €110k.
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 41 days late
2023
31-12
Financial
Weakest financial yearnet €-377k
Net result drops to €-377k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 16 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 60 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 54 days late
Show earlier events
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
32 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, Anderlecht · 2 establishment units since 2013
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.
Industrielaan 91070 AnderlechtGround area
2.0 ha
Building footprint
1.1 ha
Volume, LiDAR
208,806 m³
3 parcels, Brussels, Flanders, Wallonia · tallest building 29.5 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
IZUWI EUROPE
since 20132.217.559.758
IZUWI EUROPE
since 20262.392.157.481
3 parcels
Flanders
1
(33.3%)
Wallonia
1
(33.3%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0289/00B004 | Brussels | 9,782 m² | 1 · 4,538 m² | 28.4 m · 7 fl. |
| 62814C0447/00E000 | Wallonia | 6,847 m² | 1 · 4,033 m² | 29.5 m · 7 fl. |
| 71353F0065/00V003 | Flanders | 3,453 m² | 1 · 2,606 m² | 29.2 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,492 EUR awarded · 2,492 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,492 EUR | 2,492 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Legal Entity Identifier
6488VG92F138YW72FB44
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,446 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-03-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82200Office administrative, office support and other business support activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:amarbehant@ikanbi.com