DEWAELE ISABELLE
ActiveDEWAELE ISABELLE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €525k and a net result of €147k. Equity is growing by ~56.3% per year across the filed fiscal years. Its solvency ranks better than 56% of 7974 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
15 d early
2024
11 d late
2023
30 d late
2022
32 d late
2021
28 d late
2020
16 d early
2019
28 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
€525k▲ 21.0%
2024 · €434k
2018: €28k
2019: €37k
2020: €63k
2021: €57k
2022: €143k
2023: €298k
2024: €434k
2018 → 2025
Net result
€147k▼ 23.6%
2024 · €193k
2018: €67k
2019: €68k
2020: €83k
2021: €50k
2022: €143k
2023: €211k
2024: €193k
2018 → 2025
Total assets
€890k▲ 6.3%
2024 · €837k
2018: €133k
2019: €95k
2020: €105k
2021: €506k
2022: €567k
2023: €679k
2024: €837k
2018 → 2025
Solvency
59.0%▲ 7.1pp
2024 · 51.8%
2018: 21.4%
2019: 38.7%
2020: 60.1%
2021: 11.2%
2022: 25.2%
2023: 43.8%
2024: 51.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€143k▲ 152%€298k▲ 109%€434k▲ 45.9%€525k▲ 21.0%
Operating result€73k-€193k▲ 164%€286k▲ 48.4%€260k▼ 8.9%€201k▼ 22.9%
Net result€50k-€143k▲ 187%€211k▲ 48.3%€193k▼ 8.7%€147k▼ 23.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €890k
Fixed assets
€566k▲ 17.6%
Current assets
€324k▼ 8.9%
Equity and liabilities €890k
Equity
€525k▲ 21.0%
Debt
€365k▼ 9.4%
The debt ratio falls from 48.2% to 41.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
59.0%▲
2024 · 51.8%
ROE
28.1%▼
2024 · 44.5%
ROA
16.6%▼
2024 · 23.0%
Debt
€365k▼
2024 · €403k
Debt ≤ 1 year
€125k▼
2024 · €174k
Debt > 1 year
€240k▲
2024 · €230k
Income taxes
€45k▼
2024 · €58k
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€837k€890k▲
Fixed assets21/28€481k€566k▲
Tangible fixed assets22/27€481k€566k▲
Land and buildings22€469k€449k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€12k€115k▲
Current assets29/58€356k€324k▼
Amounts receivable within one year40/41€93k€8k▼
Trade receivables40€91k€1k▼
Other amounts receivable41€2k€7k▲
Current investments50/53€60k€150k▲
Cash at bank and in hand54/58€140k€163k▲
Deferred charges and accrued income490/1€62k€3k▼
Equity and liabilities
Total equity and liabilities10/49€837k€890k▲
Equity10/15€434k€525k▲
Contributions10/11€19k€19k=
Reserves13€415k€506k▲
Distributable reserves133€415k€506k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€403k€365k▼
Amounts payable after more than one year17€230k€240k▲
Financial debts170/4€230k€240k▲
Amounts payable within one year42/48€174k€125k▼
Current portion of amounts payable after more than one year42€87k€54k▼
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€15k€13k▼
Taxes450/3€11k€9k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€65k€53k▼
Income statement
Code20242025
Non-recurring operating income76A€15k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€28k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€1k€17k▲
Gross operating margin9900€290k€249k▼
Operating profit (loss)9901€260k€201k▼
Financial income75/76B€3€2k▲
Recurring financial income75€3€2k▲
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€251k€193k▼
Income taxes67/77€58k€45k▼
Profit (loss) for the period9904€193k€147k▼
Profit (loss) for the period to be appropriated9905€193k€147k▼
Appropriation of the result
Profit (loss) to be appropriated9906€193k€147k▼
Transfer to equity691/2€137k€91k▼
To other reserves6921€137k€91k▼
Profit to be distributed694/7€56k€56k=
Return on contributions (dividend)694€56k€56k=
The notes to these accounts (11 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €500kEq €525k ▲21%
8 profitable years in a row build equity to €525k.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €211k ▲48.3%
Operating result €286k, net result €211k, both a record.
31-12
Financial
Liquidity times 5current ratio 1.55
Current ratio from 0.30 to 1.55; short-term debt falls from €118k to €114k.
31-12
Financial
Equity above €200kEq €298k ▲109%
6 profitable years in a row build equity to €298k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Equity above €100kEq €143k ▲152%
5 profitable years in a row build equity to €143k.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Weakest financial yearnet €50k ▼40.3%
Net result drops to €50k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
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, Zuienkerke · 1 establishment unit since 2016
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.
Hoeksam 88377 ZuienkerkeGround area
678 m²
Building footprint
143 m²
Volume, LiDAR
626 m³
Parcel 31020A0356/00A000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Hoeksam 8, 8377 Zuienkerke
since 20162.254.164.192
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31020A0356/00A000 | Flanders | 678 m² | 1 · 143 m² | 7.2 m · 1 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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,558 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.