ISABAR
ActiveISABAR 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 €1.65M and a net result of €180k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 7954 sector peers (fiscal year 2025). The company has been active since 1995 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 12-07-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
31 d early
2023
23 d early
2022
28 d late
2021
12 d early
2020
16 d early
2019
8 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.65M▲ 12.2%
2024 · €1.47M
2018: €317k
2019: €390k
2020: €455k
2021: €771k
2022: €1.16M
2023: €1.46M
2024: €1.47M
2018 → 2025
Net result
€180k▼ 0.6%
2024 · €181k
2018: €94k
2019: €72k
2020: €65k
2021: €316k
2022: €391k
2023: €302k
2024: €181k
2018 → 2025
Total assets
€2.91M▲ 5.5%
2024 · €2.76M
2018: €800k
2019: €983k
2020: €957k
2021: €1.35M
2022: €1.74M
2023: €1.86M
2024: €2.76M
2018 → 2025
Solvency
56.5%▲ 3.4pp
2024 · 53.1%
2018: 39.7%
2019: 39.7%
2020: 47.5%
2021: 56.9%
2022: 66.9%
2023: 78.7%
2024: 53.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€771k-€1.16M▲ 50.7%€1.46M▲ 26.0%€1.47M▲ 0.2%€1.65M▲ 12.2%
Operating result€465k-€581k▲ 25.1%€437k▼ 24.8%€272k▼ 37.8%€298k▲ 9.8%
Net result€316k-€391k▲ 23.8%€302k▼ 22.7%€181k▼ 40.2%€180k▼ 0.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.91M
Fixed assets
€1.75M▲ 9.1%
Current assets
€1.16M▲ 0.5%
Equity and liabilities €2.91M
Equity
€1.65M▲ 12.2%
Provisions
€3k▼ 6.7%
Debt
€1.26M▼ 2.1%
The debt ratio falls from 46.7% to 43.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
56.5%▲
2024 · 53.1%
ROE
10.9%▼
2024 · 12.3%
ROA
6.2%▼
2024 · 6.6%
Debt
€1.26M▼
2024 · €1.29M
Debt ≤ 1 year
€696k▲
2024 · €663k
Debt > 1 year
€538k▼
2024 · €613k
Income taxes
€80k▲
2024 · €79k
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€2.76M€2.91M▲
Fixed assets21/28€1.61M€1.75M▲
Tangible fixed assets22/27€1.61M€1.75M▲
Land and buildings22€1.53M€1.69M▲
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€70k€63k▼
Current assets29/58€1.15M€1.16M▲
Amounts receivable within one year40/41€295k€241k▼
Trade receivables40€334€25k▲
Other amounts receivable41€295k€216k▼
Current investments50/53€825k€831k▲
Cash at bank and in hand54/58€34k€88k▲
Deferred charges and accrued income490/1-€20
Equity and liabilities
Total equity and liabilities10/49€2.76M€2.91M▲
Equity10/15€1.47M€1.65M▲
Contributions10/11€50k€50k=
Reserves13€1.42M€1.60M▲
Tax-exempt reserves132€13k€12k▼
Distributable reserves133€1.40M€1.58M▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€3k€3k▼
Deferred taxes168€3k€3k▼
Amounts payable17/49€1.29M€1.26M▼
Amounts payable after more than one year17€613k€538k▼
Financial debts170/4€613k€538k▼
Amounts payable within one year42/48€663k€696k▲
Current portion of amounts payable after more than one year42€75k€75k=
Financial debts43€212k€222k▲
Other loans439€212k€222k▲
Trade debts44€157k€7k▼
Suppliers440/4€157k€7k▼
Taxes, remuneration and social security45€49k€6k▼
Taxes450/3€49k€6k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€169k€385k▲
Accrued charges and deferred income492/3€15k€30k▲
Income statement
Code20242025
Non-recurring operating income76A€106k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€162k€42k▼
Other operating charges640/8€8k€6k▼
Gross operating margin9900€442k€347k▼
Operating profit (loss)9901€272k€298k▲
Financial income75/76B€20k€10k▼
Recurring financial income75€20k€10k▼
Financial charges65/66B€33k€49k▲
Recurring financial charges65€33k€49k▲
Profit (loss) for the period before taxes9903€259k€259k▼
Transfer from deferred taxes780€215€215=
Income taxes67/77€79k€80k▲
Profit (loss) for the period9904€181k€180k▼
Transfer from tax-exempt reserves789€859€859=
Profit (loss) for the period to be appropriated9905€182k€181k▼
Appropriation of the result
Profit (loss) to be appropriated9906€182k€181k▼
Transfer from equity791/2€178k€0▼
Transfer to equity691/2€182k€181k▼
To other reserves6921€182k€181k▼
Profit to be distributed694/7€178k€0▼
Return on contributions (dividend)694€178k€0▼
The notes to these accounts (16 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
12-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Highest result since 2018net €391k ▲23.8%
Operating result €581k, net result €391k, both a record.
31-12
Financial
Equity above €1MEq €1.16M ▲50.7%
5 profitable years in a row build equity to €1.16M.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €771k ▲69.4%
4 profitable years in a row build equity to €771k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €65k ▼9.7%
Net result drops to €65k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lendelede · 1 establishment unit since 2001
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.
't Zaagske 198860 LendeledeGround area
1,384 m²
Building footprint
335 m²
Volume, LiDAR
2,424 m³
Parcel 34025B0194/00B000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISABAR
since 20012.071.624.446
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025B0194/00B000 | Flanders | 1,384 m² | 1 · 335 m² | 11.8 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 801 companies in sector 64999 we hold annual accounts for 482. 223 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-1995
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.