Isa & Roza
ActiveIsa & Roza has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €2k. Its solvency ranks better than 20% of 643 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+2
Solvency27▲+1
Growth78
Track record94
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.62 against 0.57 in 2024; short-term debt: 31% and cash: 5.9% of total assets), and 97.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 32
Relative position
BE, all sectors
reference
Sector 32
lower
← 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 2025Solvency, return and age of the figures
Solvency
2.2%
Return on assets
0.9%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 643 sector peers (2025).
NBB · sector comparisonPosition among 643 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 04-05-2026, 185 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 · 2 filingsDeviation from the deadline
2025
185 d late
2024
48 d late
← 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 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 65.7%
2024 · €3k
2024: €3k
2024 → 2025
Total assets
€217k▼ 28.0%
2024 · €302k
2024: €302k
2024 → 2025
Net result
€2k
2024 · €-2k
2024: €-2k
2024 → 2025
Working capital
€-26k▲ 66.6%
2024 · €-77k
2024: €-77k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€3k-€5k▲ 65.7%
Operating result€433-€8k▲ 1,746%
Net result€-2k-€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1,746% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €217k
Fixed assets
€175k▼ 12.8%
Current assets
€42k▼ 58.5%
Equity and liabilities €217k
Equity
€5k▲ 65.7%
Debt
€212k▼ 29.0%
The debt ratio falls from 99.0% to 97.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▲
2024 · €20k
Cash flow
€30k▲
2024 · €17k
Solvency
2.2%▲
2024 · 1.0%
Current ratio
0.62▲
2024 · 0.57
Quick ratio
0.40▼
2024 · 0.53
Debt / equity
43.88
ROE
39.6%▲
2024 · -71.4%
ROA
0.9%▲
2024 · -0.7%
Interest coverage
6.71▼
2024 · 7.95
Debt
€212k▼
2024 · €299k
Debt ≤ 1 year
€67k▼
2024 · €177k
Debt > 1 year
€145k▲
2024 · €121k
Income taxes
€1k
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€302k€217k▼
Fixed assets21/28€201k€175k▼
Intangible fixed assets21€1k€229▼
Tangible fixed assets22/27€200k€175k▼
Land and buildings22€91k€87k▼
Plant, machinery and equipment23€6k€6k▼
Furniture and vehicles24€68k€54k▼
Other tangible fixed assets26€34k€29k▼
Current assets29/58€101k€42k▼
Stocks and contracts in progress3€6k€15k▲
Stocks30/36€6k€15k▲
Amounts receivable within one year40/41€19k€13k▼
Trade receivables40€16k€10k▼
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€76k€13k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€302k€217k▼
Equity10/15€3k€5k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-2k€-166▲
Amounts payable17/49€299k€212k▼
Amounts payable after more than one year17€121k€145k▲
Financial debts170/4€121k€145k▲
Amounts payable within one year42/48€177k€67k▼
Current portion of amounts payable after more than one year42€7k€15k▲
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€79k€7k▼
Suppliers440/4€79k€7k▼
Taxes, remuneration and social security45-€1k
Remuneration and social security454/9-€1k
Other amounts payable47/48€90k€44k▼
Income statement
Code20242025
Remuneration, social security and pensions62€55-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€29k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€20k-
Other operating charges640/8€895€825▼
Gross operating margin9900€41k€37k▼
Operating profit (loss)9901€433€8k▲
Financial income75/76B-€461
Recurring financial income75-€461
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€-2k€3k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-2k€2k▲
Profit (loss) for the period to be appropriated9905€-2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-166▲
Profit (loss) brought forward from the previous period14P-€-2k
The notes to these accounts (9 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 185 days late
2025
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 48 days late
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, Boortmeerbeek · 1 establishment unit since 2023
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.
Kleinveldweg 13191 BoortmeerbeekGround area
531 m²
Building footprint
96 m²
Volume, LiDAR
517 m³
Parcel 24039A0062/00L004, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Isa & Roza
since 20232.345.876.011
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24039A0062/00L004 | Flanders | 531 m² | 1 · 96 m² | 8.3 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.
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Of 712 companies in sector 32130 we hold annual accounts for 32. 19 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2023
Fiscal year end31-03
Activities, NACEBEL
32130Manufacture of imitation jewellery and related articles
47120Other non-specialised retail sale
47559Retail sale of other household articles
47599Retail trade
47789Other retail sale of new goods
47910Retail trade
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.isaenroza.be
E-mail:info@isaenroza.be