IO-consult
ActiveSummary
IO-consult has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128k and a net result of €-5k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-25
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
short-term debt: 0.1% and cash: 20.6% of total assets, and 0.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
36 d early
2023
51 d early
2022
53 d early
2021
46 d early
2020
53 d early
2019
39 d early
← 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, micro schema
Equity
€128k▼ 3.7%
2024 · €133k
2018: €12k
2019: €23k
2020: €39k
2021: €133k
2022: €144k
2023: €130k
2024: €133k
2018 → 2025
Total assets
€128k▼ 5.4%
2024 · €135k
2018: €21k
2019: €26k
2020: €43k
2021: €140k
2022: €150k
2023: €148k
2024: €135k
2018 → 2025
Net result
€-5k
2024 · €2k
2018: €-1k
2019: €11k
2020: €16k
2021: €93k
2022: €11k
2023: €2k
2024: €2k
2018 → 2025
Working capital
€128k▼ 3.7%
2024 · €133k
2018: €-3k
2019: €8k
2020: €17k
2021: €128k
2022: €142k
2023: €130k
2024: €133k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€133k-€144k▲ 8.3%€130k▼ 9.1%€133k▲ 1.8%€128k▼ 3.7%
Operating result€10k-€14k▲ 41.4%€3k▼ 80.1%€205▼ 92.7%€-7k
Net result€93k-€11k▼ 88.3%€2k▼ 82.2%€2k▲ 21.7%€-5k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €205 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €128k
Equity
€128k ▼ 3.7%
Debt
€109 ▼ 95.7%
Debt's share of the balance-sheet total falls from 1.9% to 0.1%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.00▼
2024 · 0.02
ROE
-3.8%▼
2024 · 1.8%
ROA
-3.8%▼
2024 · 1.7%
Debt ≤ 1 year
€109▼
2024 · €3k
A ratio outside any meaningful range has been withheld (balance sheet total €128k, equity €128k).
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€135k€128k▼
Current assets29/58€135k€128k▼
Amounts receivable within one year40/41€664€1k▲
Other amounts receivable41€664€1k▲
Current investments50/53€100k€100k=
Cash at bank and in hand54/58€34k€26k▼
Deferred charges and accrued income490/1€467€501▲
Equity and liabilities
Total equity and liabilities10/49€135k€128k▼
Equity10/15€133k€128k▼
Contributions10/11€19k€19k=
Reserves13€114k€109k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€114k€109k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€3k€109▼
Amounts payable within one year42/48€3k€109▼
Trade debts44€14€109▲
Suppliers440/4€14€109▲
Taxes, remuneration and social security45€3k€0▼
Taxes450/3€0-
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€0-
Income statement
Code20242025
Non-recurring operating income76A€10k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€449€462▲
Gross operating margin9900€654€-6k▼
Operating profit (loss)9901€205€-7k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€54€45▼
Recurring financial charges65€54€45▼
Profit (loss) for the period before taxes9903€2k€-5k▼
Income taxes67/77€0-
Profit (loss) for the period9904€2k€-5k▼
Profit (loss) for the period to be appropriated9905€2k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-5k▼
Transfer from equity791/2€0€5k▲
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (1 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-5k ▼306%
Net result drops to €-5k, the lowest in the series.
31-12
Financial
Liquidity times 22current ratio 1179.44
Current ratio from 53.85 to 1179.44; short-term debt falls from €3k to €109.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 7current ratio 53.85
Current ratio from 8.27 to 53.85; short-term debt falls from €18k to €3k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €93k ▲473%
Net result €93k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 17.21
Current ratio from 5.09 to 17.21.
31-12
Financial
Equity above €100kEq €133k ▲238%
3 profitable years in a row build equity to €133k.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 3.54
Current ratio from 0.69 to 3.54; short-term debt falls from €9k to €3k.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Heusden-Zolder · 1 establishment unit since 2015
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.
Ringlaan 783550 Heusden-ZolderGround area
1,846 m²
Building footprint
220 m²
Volume, LiDAR
1,153 m³
Parcel 71065A1626/00G000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IO-CONSULT
since 20152.244.384.911
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065A1626/00G000 | Flanders | 1,846 m² | 1 · 220 m² | 8.3 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
ACONTRARIO
BE 0641.999.349
Bornem · Eq €128,001
SCALDIS TRADING BELGIUM
BE 0434.548.815
Brecht · Eq €128,009
FDH
BE 0692.752.521
Dendermonde · Eq €128,013
OCO & Partners
BE 0795.340.414
Walhain · Eq €127,986
JKR Management
BE 0788.186.069
Dilbeek · Eq €127,986
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,854 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 formPrivate limited company
Founded18-07-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.