Izo2
ActiveSummary
Izo2 has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €24k. Equity is growing by ~48.9% per year across the filed fiscal years. Its solvency ranks better than 76% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 6.56 against 4.17 in 2024; short-term debt: 15% and cash: 81.1% of total assets), and 15% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
85%
Return on assets
27.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-03-2026, 37 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
37 d early
2024
30 d early
2023
4 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 45.1%
2024 · €52k
2023: €25k
2024: €52k
2023 → 2025
Total assets
€89k▲ 31.6%
2024 · €67k
2023: €38k
2024: €67k
2023 → 2025
Net result
€24k▼ 13.8%
2024 · €28k
2023: €24k
2024: €28k
2023 → 2025
Working capital
€74k▲ 51.1%
2024 · €49k
2023: €25k
2024: €49k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€25k-€52k▲ 111%€75k▲ 45.1%
Operating result€30k-€36k▲ 21.3%€33k▼ 7.8%
Net result€24k-€28k▲ 19.4%€24k▼ 13.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€2k ▼ 48.8%
Current assets
€87k ▲ 35.5%
Equity and liabilities €89k
Equity
€75k ▲ 45.1%
Debt
€13k ▼ 14.0%
Debt's share of the balance-sheet total falls from 22.9% to 15.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▼
2024 · €37k
Cash flow
€26k▼
2024 · €30k
Current ratio
6.56▲
2024 · 4.17
Debt to equity
0.18▼
2024 · 0.30
ROE
32.2%▼
2024 · 54.2%
ROA
27.4%▼
2024 · 41.8%
Interest coverage
195.04▲
2024 · 152.78
Debt ≤ 1 year
€13k▼
2024 · €15k
Income taxes
€9k▲
2024 · €7k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€67k€89k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€64k€87k▲
Amounts receivable within one year40/41-€15k
Other amounts receivable41-€15k
Cash at bank and in hand54/58€64k€72k▲
Equity and liabilities
Total equity and liabilities10/49€67k€89k▲
Equity10/15€52k€75k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€51k€74k▲
Amounts payable17/49€15k€13k▼
Amounts payable within one year42/48€15k€13k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€9k€9k▼
Taxes450/3€9k€9k▼
Other amounts payable47/48€2k€833▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€561€845▲
Gross operating margin9900€38k€35k▼
Operating profit (loss)9901€36k€33k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€244€177▼
Recurring financial charges65€244€177▼
Profit (loss) for the period before taxes9903€36k€33k▼
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€28k€24k▼
Profit (loss) for the period to be appropriated9905€28k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€75k▲
Profit (loss) brought forward from the previous period14P€24k€51k▲
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2023net €28k ▲19.4%
Operating result €36k, net result €28k, both a record.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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-Pieters-Woluwe · 1 establishment unit since 2023
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.
Sperwerlaan 51150 Sint-Pieters-WoluweGround area
1,100 m²
Building footprint
337 m²
Volume, LiDAR
3,924 m³
Parcel 21684B0057/00T025, Brussels · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Izo2
since 20232.355.651.433
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0057/00T025 | Brussels | 1,100 m² | 1 · 337 m² | 15.0 m · 4 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
NIELS VERBRAEKEL
BE 1004.682.151
Sint-Lievens-Houtem · Eq €75,429
JM fysio & osteo
BE 1005.615.529
Kontich · Eq €75,311
Kinderpraktijk Sofie Coremans
BE 0649.521.797
Grobbendonk · Eq €75,532
WALLMED
BE 0784.558.170
Charleroi · Eq €75,289
Haegeman Nicolas
BE 0659.808.153
Zottegem · Eq €75,277
Of 12,686 companies in sector 86951 we hold annual accounts for 2,142. 1,917 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
Founded14-03-2023
Fiscal year end30-09
Activities, NACEBEL 2025
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.