ISA LINGUA
ActiveISA LINGUA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €55k. Equity is growing by ~45.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 3451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency57▼-43
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 11.04 in 2024; short-term debt: 68% and cash: 56.5% of total assets), and 68% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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
32%
Return on assets
29.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
26 d early
2024
43 d early
2023
5 d early
2022
20 d early
2021
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▼ 70.0%
2024 · €202k
2021: €60k
2022: €87k
2023: €138k
2024: €202k
2021 → 2025
Total assets
€189k▼ 13.7%
2024 · €220k
2021: €84k
2022: €111k
2023: €168k
2024: €220k
2021 → 2025
Net result
€55k▼ 13.9%
2024 · €64k
2021: €55k
2022: €27k
2023: €51k
2024: €64k
2021 → 2025
Working capital
€44k▼ 75.7%
2024 · €181k
2021: €58k
2022: €86k
2023: €112k
2024: €181k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€87k▲ 45.4%€138k▲ 58.6%€202k▲ 46.4%€61k▼ 70.0%
Operating result€69k-€35k▼ 49.6%€64k▲ 82.7%€80k▲ 25.4%€75k▼ 6.1%
Net result€55k-€27k▼ 50.5%€51k▲ 87.7%€64k▲ 25.6%€55k▼ 13.9%
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 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€17k▼ 20.0%
Current assets
€173k▼ 13.1%
Equity and liabilities €189k
Equity
€61k▼ 70.0%
Debt
€129k▲ 616%
The debt ratio rises from 8.2% to 68.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€82k▼
2024 · €86k
Cash flow
€62k▼
2024 · €70k
Solvency
32.0%▼
2024 · 91.8%
Current ratio
1.34▼
2024 · 11.04
Quick ratio
1.34▼
2024 · 11.04
Debt / equity
2.13▲
2024 · 0.09
ROE
90.9%▲
2024 · 31.7%
ROA
29.1%▼
2024 · 29.1%
Interest coverage
278.10▼
2024 · 649.63
Debt
€129k▲
2024 · €18k
Debt ≤ 1 year
€129k▲
2024 · €18k
Income taxes
€21k▲
2024 · €19k
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€220k€189k▼
Fixed assets21/28€21k€17k▼
Tangible fixed assets22/27€21k€17k▼
Furniture and vehicles24€21k€17k▼
Current assets29/58€199k€173k▼
Amounts receivable after more than one year29€28k€24k▼
Other amounts receivable291€28k€24k▼
Amounts receivable within one year40/41€31k€39k▲
Trade receivables40€23k€26k▲
Other amounts receivable41€8k€12k▲
Current investments50/53€50k€0▼
Cash at bank and in hand54/58€88k€107k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€220k€189k▼
Equity10/15€202k€61k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€197k€56k▼
Amounts payable17/49€18k€129k▲
Amounts payable within one year42/48€18k€129k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€12k€3k▼
Taxes450/3€12k€3k▼
Other amounts payable47/48€5k€124k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€741€827▲
Gross operating margin9900€87k€83k▼
Operating profit (loss)9901€80k€75k▼
Financial income75/76B€3k€805▼
Recurring financial income75€3k€805▼
Financial charges65/66B€133€295▲
Recurring financial charges65€133€295▲
Profit (loss) for the period before taxes9903€83k€76k▼
Income taxes67/77€19k€21k▲
Profit (loss) for the period9904€64k€55k▼
Profit (loss) for the period to be appropriated9905€64k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€197k€252k▲
Profit (loss) brought forward from the previous period14P€133k€197k▲
Profit to be distributed694/7-€196k
Return on contributions (dividend)694-€196k
The notes to these accounts (5 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2021net €64k ▲25.6%
Operating result €80k, net result €64k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 11.04
Current ratio from 4.74 to 11.04; short-term debt falls from €30k to €18k.
30-06
Financial
Equity above €200kEq €202k ▲46.4%
4 profitable years in a row build equity to €202k.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €138k ▲58.6%
3 profitable years in a row build equity to €138k.
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €27k ▼50.5%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
2021
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Harelbeke · 1 establishment unit since 2019
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.
Marktstraat 668530 HarelbekeGround area
1,679 m²
Building footprint
358 m²
Volume, LiDAR
5,506 m³
Parcel 34013A1062/00D002, Flanders · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ISA LINGUA
since 20192.297.318.009
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34013A1062/00D002 | Flanders | 1,679 m² | 1 · 357 m² | 19.6 m · 5 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 4,531 companies in sector 74301 we hold annual accounts for 720. 616 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2019
Fiscal year end30-06
Activities, NACEBEL
74300Other professional, scientific and technical activities
74301Translation services
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.