I & S CLEANING SERVICES
ActiveThe computed 12-month bankruptcy probability of I & S CLEANING SERVICES is 2.3% (moderate). The 2025 annual accounts show equity of €43k and a net result of €-28k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 4418 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency81▼-17
Growth52=
Stability100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 1.69 against 2.28 in 2024), but 56.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
43.1%
Return on assets
-27.8%
Age of the figures
8 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€28k
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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
22 d late
2022
30 d late
2021
40 d late
2020
73 d late
2019
91 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▼ 39.2%
2024 · €71k
2018: €16k
2019: €25k
2020: €52k
2021: €89k
2022: €129k
2023: €93k
2024: €71k
2018 → 2025
Total assets
€100k▼ 18.5%
2024 · €122k
2018: €83k
2019: €195k
2020: €207k
2021: €359k
2022: €197k
2023: €178k
2024: €122k
2018 → 2025
Net result
€-28k▼ 26.6%
2024 · €-22k
2018: €9k
2019: €5k
2020: €28k
2021: €37k
2022: €40k
2023: €-36k
2024: €-22k
2018 → 2025
Working capital
€39k▼ 40.8%
2024 · €66k
2018: €10k
2019: €3k
2020: €9k
2021: €59k
2022: €110k
2023: €82k
2024: €66k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€129k▲ 45.1%€93k▼ 28.2%€71k▼ 23.6%€43k▼ 39.2%
Operating result€51k-€61k▲ 18.1%€-33k€-19k▲ 43.7%€-24k▼ 30.9%
Net result€37k-€40k▲ 9.6%€-36k€-22k▲ 39.8%€-28k▼ 26.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24k in 2025 against €19k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€4k▼ 16.2%
Current assets
€96k▼ 18.6%
Equity and liabilities €100k
Equity
€43k▼ 39.2%
Debt
€57k▲ 9.9%
The debt ratio rises from 42.2% to 56.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-22k▼
2024 · €-12k
Cash flow
€-26k▼
2024 · €-16k
Solvency
43.1%▼
2024 · 57.8%
Current ratio
1.69▼
2024 · 2.28
Quick ratio
0.49▼
2024 · 0.79
Debt / equity
1.32▲
2024 · 0.73
ROE
-64.5%▼
2024 · -31.0%
ROA
-27.8%▼
2024 · -17.9%
Interest coverage
-7.19▼
2024 · -3.91
Debt
€57k▲
2024 · €52k
Debt ≤ 1 year
€57k▲
2024 · €52k
Income taxes
€376▲
2024 · €166
Staff costs
€4k▼
2024 · €25k
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€122k€100k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€1k€4k▲
Plant, machinery and equipment23€865-
Furniture and vehicles24-€4k
Leasing and similar rights25€207-
Financial fixed assets28€3k-
Current assets29/58€118k€96k▼
Stocks and contracts in progress3€77k€68k▼
Stocks30/36€77k€68k▼
Amounts receivable within one year40/41€41k€28k▼
Trade receivables40€39k€28k▼
Other amounts receivable41€2k-
Equity and liabilities
Total equity and liabilities10/49€122k€100k▼
Equity10/15€71k€43k▼
Contributions10/11€11k€11k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€58k€30k▼
Amounts payable17/49€52k€57k▲
Amounts payable within one year42/48€52k€57k▲
Financial debts43€19k€18k▼
Credit institutions430/8€19k€18k▼
Trade debts44€23k€36k▲
Suppliers440/4€23k€36k▲
Advances received on contracts in progress46-€125
Taxes, remuneration and social security45€10k€2k▼
Taxes450/3€684€672▼
Remuneration and social security454/9€10k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€246-
Remuneration, social security and pensions62€25k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k€6k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€26k€-10k▼
Operating profit (loss)9901€-19k€-24k▼
Financial income75/76B€0€7▲
Recurring financial income75€0€7▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-22k€-27k▼
Income taxes67/77€166€376▲
Profit (loss) for the period9904€-22k€-28k▼
Profit (loss) for the period to be appropriated9905€-22k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€30k▼
Profit (loss) brought forward from the previous period14P€80k€58k▼
The notes to these accounts (6 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
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Weakest financial yearnet €-36k ▼191%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €40k ▲9.6%
Operating result €61k, net result €40k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.76
Current ratio from 1.23 to 2.76; short-term debt falls from €258k to €63k.
31-12
Financial
Equity above €100kEq €129k ▲45.1%
5 profitable years in a row build equity to €129k.
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 40 days late
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 73 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
14-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schaarbeek · 1 establishment unit since 2018
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.
Albert Giraudlaan 29/351030 SchaarbeekGround area
1,390 m²
Building footprint
962 m²
Volume, LiDAR
7,409 m³
Parcel 21015A0483/00A004, Brussels · tallest building 18.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
I & S CLEANING SERVICES
since 20182.272.787.994
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21015A0483/00A004 | Brussels | 1,390 m² | 1 · 962 m² | 18.4 m · 2 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.
Similar companies · same sector, comparable size
NOLA CLEANING
BE 0760.489.304
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ALREEFI MARKET
BE 0777.917.828
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Dienstencheque-onderneming Halen
BE 0462.754.930
Halen · Eq €43k
EY&AS
BE 0754.397.110
Schaarbeek · Eq €43k
Schoonmaak De Zon
BE 0480.363.596
Deinze · Eq €43k
Of 7,264 companies in sector 81210 we hold annual accounts for 2,690. 2,201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-01-2018
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.