Izock
ActiveIzock has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.71M and a net result of €551k. Equity is shrinking by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 63% of 4122 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-4
Solvency78▲+19
Growth35▼-17
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 0.92 in 2024), and 52% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
48%
Return on assets
15.5%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 07-10-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
35 d early
2023
4 d early
2022
38 d early
2021
37 d early
2020
43 d early
2019
27 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
€30.65M▲ 2.4%
2024 · €29.94M
2021: €28.31M
2022: €25.56M
2023: €27.20M
2024: €29.94M
2021 → 2025
EBIT margin
2.4%▼ 1.4pp
2024 · 3.8%
2021: 5.6%
2022: 2.1%
2023: 1.2%
2024: 3.8%
2021 → 2025
Net result
€551k▼ 34.0%
2024 · €835k
2019: €589k
2021: €1.16M
2022: €390k
2023: €196k
2024: €835k
2019 → 2025
Working capital
€269k
2024 · €-154k
2019: €-1.22M
2021: €479k
2022: €1.07M
2023: €121k
2024: €-154k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€28.31M-€25.56M▼ 9.7%€27.20M▲ 6.4%€29.94M▲ 10.1%€30.65M▲ 2.4%
Equity€3.06M-€3.45M▲ 12.7%€2.14M▼ 37.8%€1.48M▼ 31.0%€1.71M▲ 15.6%
Operating result€1.58M-€548k▼ 65.3%€319k▼ 41.9%€1.12M▲ 253%€721k▼ 35.8%
Net result€1.16M-€390k▼ 66.3%€196k▼ 49.6%€835k▲ 325%€551k▼ 34.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.56M
Fixed assets
€1.92M▼ 13.2%
Current assets
€1.64M▼ 7.3%
Equity and liabilities €3.56M
Equity
€1.71M▲ 15.6%
Provisions
€476k=
Debt
€1.37M▼ 32.2%
The debt ratio falls from 50.9% to 38.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€1.04M▼
2024 · €1.46M
Cash flow
€867k▼
2024 · €1.17M
Solvency
48.0%▲
2024 · 37.1%
Current ratio
1.20▲
2024 · 0.92
Quick ratio
0.45▲
2024 · 0.39
Debt / equity
0.80▼
2024 · 1.37
ROE
32.2%▼
2024 · 56.5%
ROA
15.5%▼
2024 · 21.0%
Interest coverage
933.88▲
2024 · 56.44
Debt
€1.37M▼
2024 · €2.03M
Debt ≤ 1 year
€1.37M▼
2024 · €1.93M
Income taxes
€201k▼
2024 · €295k
Staff costs
€2.64M▲
2024 · €2.20M
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€3.98M€3.56M▼
Fixed assets21/28€2.21M€1.92M▼
Tangible fixed assets22/27€2.18M€1.89M▼
Land and buildings22€1.85M€1.69M▼
Plant, machinery and equipment23€338k€205k▼
Furniture and vehicles24-€1k
Financial fixed assets28€26k€26k=
Other financial fixed assets284/8€26k€26k=
Amounts receivable and cash guarantees285/8€26k€26k=
Current assets29/58€1.77M€1.64M▼
Stocks and contracts in progress3€1.01M€1.03M▲
Stocks30/36€1.01M€1.03M▲
Goods purchased for resale34€1.01M€1.03M▲
Amounts receivable within one year40/41€213k€386k▲
Trade receivables40€54k€2k▼
Other amounts receivable41€158k€384k▲
Cash at bank and in hand54/58€498k€225k▼
Deferred charges and accrued income490/1€50k€3k▼
Equity and liabilities
Total equity and liabilities10/49€3.98M€3.56M▼
Equity10/15€1.48M€1.71M▲
Contributions10/11€11k€11k=
Reserves13€26k€26k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Tax-exempt reserves132€20k€20k=
Profit (loss) carried forward14€1.44M€1.67M▲
Provisions and deferred taxes16€476k€476k=
Provisions for liabilities and charges160/5€476k€476k=
Major repairs and maintenance162€476k€476k=
Amounts payable17/49€2.03M€1.37M▼
Amounts payable within one year42/48€1.93M€1.37M▼
Trade debts44€1.54M€1.03M▼
Suppliers440/4€1.54M€1.03M▼
Taxes, remuneration and social security45€392k€348k▼
Taxes450/3€115k€23k▼
Remuneration and social security454/9€276k€325k▲
Accrued charges and deferred income492/3€101k€0▼
Income statement
Code20242025
Operating income70/76A€29.97M€30.75M▲
Turnover70€29.94M€30.65M▲
Other operating income74€23k€103k▲
Operating charges60/66A€28.84M€30.03M▲
Goods for resale, raw materials and consumables60€23.50M€24.26M▲
Purchases600/8€23.45M€24.27M▲
Change in stocks: decrease (increase)609€50k€-18k▼
Services and other goods61€2.77M€2.78M▲
Remuneration, social security and pensions62€2.20M€2.64M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€337k€316k▼
Other operating charges640/8€33k€38k▲
Operating profit (loss)9901€1.12M€721k▼
Financial income75/76B€32k€37k▲
Recurring financial income75€32k€37k▲
Income from current assets751-€6k
Other financial income752/9€32k€31k▼
Financial charges65/66B€26k€6k▼
Recurring financial charges65€26k€6k▼
Debt charges650-€1k
Other financial charges652/9€26k€4k▼
Profit (loss) for the period before taxes9903€1.13M€752k▼
Income taxes67/77€295k€201k▼
Taxes670/3€295k€201k▼
Profit (loss) for the period9904€835k€551k▼
Profit (loss) for the period to be appropriated9905€835k€551k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.94M€1.99M▼
Profit (loss) brought forward from the previous period14P€2.11M€1.44M▼
Profit to be distributed694/7€1.50M€320k▼
Return on contributions (dividend)694€1.50M€320k▼
Social balance
Average headcount (FTE)908750.956.7▲
The notes to these accounts (38 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
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Weakest financial yearnet €196k ▼49.6%
Net result drops to €196k, the lowest in the series; recovery starts the following year.
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Highest result since 2019net €1.16M ▲96.3%
Operating result €1.58M, net result €1.16M, both a record.
31-03
Financial
Liquidity doublescurrent ratio 1.27
Current ratio from 0.56 to 1.27; short-term debt falls from €2.74M to €1.76M.
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
04-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
17-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 17 days late
2016
22-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Grimbergen · 1 establishment unit since 1983
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.
Kerkstraat 132-1341851 GrimbergenGround area
3,690 m²
Building footprint
3,340 m²
Volume, LiDAR
17,084 m³
Parcel 23036B0395/00G002, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CoMarkt Humbeek
since 19832.025.701.874
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23036B0395/00G002 | Flanders | 3,690 m² | 1 · 3,339 m² | 11.2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 250 EUR awarded · 250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 250 EUR | 250 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteGrimbergen2.025.701.874
Similar companies · same sector, comparable size
SOFABEL
BE 0456.918.993
Anderlecht · Eq €1.71M
JMPL
BE 0432.077.788
Ingelmunster · Eq €1.71M
Superkamp
BE 0785.524.608
Kampenhout · Eq €1.71M
Le Josaphat
BE 0422.060.460
Sint-Gillis (bij-Brussel) · Eq €1.72M
VANDEN MEERSSCHE
BE 0449.401.691
Zaventem · Eq €1.70M
Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 1,643 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-1983
Fiscal year end31-03
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
47221Retail sale of meat and meat products, excluding game and poultry
52114
52220
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.