ISA 2000

Active

Private limited companyfounded 199927 yrs activeRempart des Béguines 4, 5590 Ciney, BelgiumKBO/BCE: BE 0465.068.676

ISA 2000 has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €73k and a net result of €11k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 18942 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).

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Checked score

Score 2024

87 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability85▲+7

Solvency100=

Growth78=

Track record100

Bankruptcy probability, 12 months

1.4% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity ample (current ratio 10.4 against 12.63 in 2023; short-term debt: 9.5% and cash: 65.3% of total assets), and 9.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

34 d early

2023

37 d early

2022

34 d early

2021

11 d early

2020

33 d early

2019

59 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€73k▲ 17.3%

2023 · €63k

2018: €35k 2019: €36k 2020: €34k 2021: €59k 2022: €58k 2023: €63k

2018 → 2024

Total assets

€81k▲ 19.5%

2023 · €68k

2018: €38k 2019: €39k 2020: €35k 2021: €65k 2022: €61k 2023: €68k

2018 → 2024

Net result

€11k▲ 120%

2023 · €5k

2018: €2k 2019: €1k 2020: €-2k 2021: €26k 2022: €-2k 2023: €5k

2018 → 2024

Working capital

€72k▲ 17.5%

2023 · €62k

2018: €33k 2019: €35k 2020: €33k 2021: €58k 2022: €56k 2023: €62k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€34k-€59k▲ 75.8%€58k▼ 2.6%€63k▲ 8.6%€73k▲ 17.3%

Operating result€-2k-€27k€-1k€6k€15k▲ 156%

Net result€-2k-€26k€-2k€5k€11k▲ 120%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 156% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €81k

98.6%

Fixed assets €1k▲ 6.9%

Current assets €80k▲ 19.7%

Equity and liabilities €81k

90.5%

Equity €73k▲ 17.3%

Debt €8k▲ 45.4%

The debt ratio rises from 7.8% to 9.5%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€15k▲

2023 · €6k

Cash flow

€11k▲

2023 · €5k

Solvency

90.5%▼

2023 · 92.2%

Current ratio

10.40▼

2023 · 12.63

Quick ratio

9.96▼

2023 · 11.83

Debt / equity

0.10▲

2023 · 0.08

ROE

14.8%▲

2023 · 7.9%

ROA

13.4%▲

2023 · 7.3%

Interest coverage

113.14▲

2023 · 56.29

Debt

€8k▲

2023 · €5k

Debt ≤ 1 year

€8k▲

2023 · €5k

Income taxes

€4k▲

2023 · €936

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€68k€81k▲

Fixed assets21/28€1k€1k▲

Tangible fixed assets22/27€1k€1k▲

Plant, machinery and equipment23€1k€1k▲

Financial fixed assets28€50€50=

Current assets29/58€67k€80k▲

Stocks and contracts in progress3€4k€3k▼

Stocks30/36€4k€3k▼

Amounts receivable within one year40/41€8k€9k▲

Trade receivables40€7k€8k▲

Other amounts receivable41€1k€531▼

Current investments50/53€15k€15k▲

Cash at bank and in hand54/58€40k€53k▲

Deferred charges and accrued income490/1€25€81▲

Equity and liabilities

Total equity and liabilities10/49€68k€81k▲

Equity10/15€63k€73k▲

Contributions10/11€10k€10k=

Reserves13€154€10k▲

Tax-exempt reserves132€154€154=

Distributable reserves133-€10k

Profit (loss) carried forward14€53k€54k▲

Amounts payable17/49€5k€8k▲

Amounts payable within one year42/48€5k€8k▲

Trade debts44€839€875▲

Suppliers440/4€839€875▲

Taxes, remuneration and social security45€3k€5k▲

Taxes450/3€3k€5k▲

Other amounts payable47/48€1k€2k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€405€419▲

Other operating charges640/8€4k€3k▼

Gross operating margin9900€11k€19k▲

Operating profit (loss)9901€6k€15k▲

Financial income75/76B€104€163▲

Recurring financial income75€104€163▲

Financial charges65/66B€112€137▲

Recurring financial charges65€112€137▲

Profit (loss) for the period before taxes9903€6k€15k▲

Income taxes67/77€936€4k▲

Profit (loss) for the period9904€5k€11k▲

Profit (loss) for the period to be appropriated9905€5k€11k▲

Appropriation of the result

Profit (loss) to be appropriated9906€53k€64k▲

Profit (loss) brought forward from the previous period14P€48k€53k▲

Transfer to equity691/2-€10k

To other reserves6921-€10k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

2025

27-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

24-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €5k

Net result €5k after one loss-making year.

27-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

20-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Back to profitnet €26k

Net result €26k after one loss-making year.

28-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Weakest financial yearnet €-2k ▼258%

Net result drops to €-2k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity triplescurrent ratio 34.26

Current ratio from 11.15 to 34.26; short-term debt falls from €3k to €1k.

02-06

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

14-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

14-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

25-07

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

24-06

NBB filing Annual accounts filed

fiscal year 2015 · full 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, Ciney · 1 establishment unit since 1999

establishment The establishment unit on the map

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.

Rempart des Béguines 45590 Ciney

Ground area

153 m²

Building footprint

70 m²

Parcel 91030D0043/00N000, Wallonia. Linked by address, not a title deed.

1 establishment unit

LE POSTILLON

Rempart des Béguines 4, 5590 CineyNACE 5530105

since 19992.090.255.275

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
91030D0043/00N000	Wallonia	153 m²	1 · 70 m²	-

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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Ciney2.090.255.275

1 permission

Drankgelegenheid · since 21-03-2011

Similar companies · same sector, comparable size

Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,898 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-01-1999

Fiscal year end31-12

Activities, NACEBEL

55401

56301Cafés and bars

Sources

Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.