I.S.B. SERVICES
ActiveThe computed 12-month bankruptcy probability of I.S.B. SERVICES is 2.7% (moderate). The 2024 annual accounts show equity of €40k and a net result of €11k. Equity is growing by ~30.8% per year across the filed fiscal years. Its solvency ranks better than 31% of 36375 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▼-1
Solvency55▼-7
Growth52=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.42 against 1.6 in 2023; short-term debt: 70.3% and cash: 10.2% of total assets), and 70.3% 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.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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 2024Solvency, return and age of the figures
Solvency
29.7%
Return on assets
8.3%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
145 d late
2022
189 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€40k▲ 38.7%
2023 · €29k
2022: €22k
2023: €29k
2022 → 2024
Total assets
€133k▲ 75.2%
2023 · €76k
2022: €54k
2023: €76k
2022 → 2024
Net result
€11k▲ 68.5%
2023 · €7k
2022: €12k
2023: €7k
2022 → 2024
Working capital
€40k▲ 38.7%
2023 · €29k
2022: €22k
2023: €29k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€22k-€29k▲ 29.8%€40k▲ 38.7%
Operating result€17k-€18k▲ 5.0%€15k▼ 14.7%
Net result€12k-€7k▼ 45.3%€11k▲ 68.5%
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 2024; 2024 is 15% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €133k
Equity
€40k▲ 38.7%
Debt
€94k▲ 97.0%
The debt ratio rises from 62.5% to 70.3%. Equity and debt are higher.
Key figures and ratios
Solvency
29.7%▼
2023 · 37.5%
Current ratio
1.42▼
2023 · 1.60
Quick ratio
1.42▼
2023 · 1.60
Debt / equity
2.37▲
2023 · 1.67
ROE
27.9%▲
2023 · 23.0%
ROA
8.3%▼
2023 · 8.6%
Debt
€94k▲
2023 · €48k
Debt ≤ 1 year
€94k▲
2023 · €48k
Income taxes
€3k
Staff costs
€143k▲
2023 · €42k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€76k€133k▲
Current assets29/58€76k€133k▲
Amounts receivable within one year40/41€67k€119k▲
Trade receivables40€39k€41k▲
Other amounts receivable41€28k€78k▲
Cash at bank and in hand54/58€8k€14k▲
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€76k€133k▲
Equity10/15€29k€40k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€19k€30k▲
Amounts payable17/49€48k€94k▲
Amounts payable within one year42/48€48k€94k▲
Financial debts43€10k€10k=
Credit institutions430/8€10k€10k=
Trade debts44€30k€49k▲
Suppliers440/4€30k€49k▲
Taxes, remuneration and social security45€7k€34k▲
Taxes450/3€5k€9k▲
Remuneration and social security454/9€2k€25k▲
Other amounts payable47/48-€200
Income statement
Code20232024
Remuneration, social security and pensions62€42k€143k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€64k€164k▲
Operating profit (loss)9901€18k€15k▼
Financial charges65/66B€12k€2k▼
Recurring financial charges65€12k€2k▼
Profit (loss) for the period before taxes9903€7k€14k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€7k€11k▲
Profit (loss) for the period to be appropriated9905€7k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€30k▲
Profit (loss) brought forward from the previous period14P€12k€19k▲
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 145 days late
05-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 189 days late
2023
31-12
Financial
Weakest financial yearnet €7k ▼45.3%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
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, Antwerpen · 1 establishment unit since 2022
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.
Bredastraat 1042060 AntwerpenGround area
1,357 m²
Building footprint
457 m²
Volume, LiDAR
3,935 m³
Parcel 11807G0001/00E004, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bredastraat 104, 2060 Antwerpen
since 20222.327.894.981
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0001/00E004 | Flanders | 1,357 m² | 1 · 457 m² | 12.4 m · 3 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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VAN DEN BROECK INTERIEUR-BOUW
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CKL DECO RENO
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Of 7,866 companies in sector 43341 we hold annual accounts for 2,664. 2,281 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2022
Fiscal year end31-12
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.