I&S
ActiveThe computed 12-month bankruptcy probability of I&S is 2.4% (moderate). The 2025 annual accounts show equity of €128k and a net result of €112k. Equity is growing by ~121.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 26547 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+31
Growth78=
Stability100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.63 against 1.51 in 2024), and 37.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
62.4%
Return on assets
54.7%
Age of the figures
8 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 09-06-2026, 52 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
52 d early
2024
79 d early
2023
72 d early
2022
36 d early
2021
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€128k▲ 143%
2024 · €53k
2022: €15k
2023: €11k
2024: €53k
2022 → 2025
Total assets
€205k▲ 42.0%
2024 · €144k
2022: €76k
2023: €68k
2024: €144k
2022 → 2025
Net result
€112k▲ 161%
2024 · €43k
2022: €12k
2023: €-4k
2024: €43k
2022 → 2025
Working capital
€95k▲ 208%
2024 · €31k
2022: €9k
2023: €3k
2024: €31k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€11k▼ 26.3%€53k▲ 366%€128k▲ 143%
Operating result€14k-€-2k€64k€170k▲ 166%
Net result€12k-€-4k€43k€112k▲ 161%
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 166% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€52k▼ 1.9%
Current assets
€153k▲ 67.5%
Equity and liabilities €205k
Equity
€128k▲ 143%
Debt
€77k▼ 15.8%
The debt ratio falls from 63.5% to 37.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€195k▲
2024 · €77k
Cash flow
€137k▲
2024 · €56k
Solvency
62.4%▲
2024 · 36.5%
Current ratio
2.63▲
2024 · 1.51
Quick ratio
2.63▲
2024 · 1.51
Debt / equity
0.60▼
2024 · 1.74
ROE
87.8%▲
2024 · 81.6%
ROA
54.7%▲
2024 · 29.8%
Interest coverage
11.33▼
2024 · 11.48
Debt
€77k▼
2024 · €91k
Debt ≤ 1 year
€58k▼
2024 · €60k
Debt > 1 year
€18k▼
2024 · €31k
Income taxes
€41k▲
2024 · €14k
Staff costs
€236k▲
2024 · €78k
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
Total assets
20/58€144k€205k▲
Fixed assets
21/28€53k€52k▼
Tangible fixed assets
22/27€53k€52k▼
Current assets
29/58€91k€153k▲
Amounts receivable within one year
40/41€79k€93k▲
Cash & bank
54/58€7k€43k▲
Total equity & liabilities
10/49€144k€205k▲
Equity
10/15€53k€128k▲
Contributions / capital
10/11€5k€5k=
Reserves
13€48k€123k▲
Amounts payable
17/49€91k€77k▼
Amounts payable after one year
17€31k€18k▼
Amounts payable within one year
42/48€60k€58k▼
Trade debts payable within one year
44€15k€11k▼
Income statement
Code20242025
Gross operating margin
9900€157k€436k▲
Operating result
9901€64k€170k▲
Financial income
75€9€338▲
Financial charges
65€7k€17k▲
Result before taxes
9903€57k€153k▲
Income taxes
67/77€14k€41k▲
Net result for the period
9904€43k€112k▲
Result to be appropriated
9905€43k€112k▲
Timeline · acts, filings and financial milestones
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €112k ▲161%
Operating result €170k, net result €112k, both a record.
31-12
Financial
Equity above €100kEq €128k ▲143%
2 profitable years in a row build equity to €128k.
2024
13-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
2023
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-4k ▼134%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2022
26-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
JET COMPANY
BE 0873.503.608
Temse · Eq €128k
GRONDWERKEN SURINX
BE 0817.147.202
Herk-de-Stad · Eq €127k
SAFETY ROAD
BE 1003.458.565
Perwez · Eq €127k
AGRI-VOLCKE
BE 0897.760.140
Kortemark · Eq €127k
SNTT
BE 0793.855.027
Chaumont-Gistoux · Eq €127k
Of 8,397 companies in sector 43120 we hold annual accounts for 3,138. 2,595 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2020
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-07-2026. Scores and ratios are computed by Checked and are not a credit decision.