Isabeau
ActiveIsabeau has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €241k and a net result of €45k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 43% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+2
Solvency51▼-41
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 2.57 in 2024; short-term debt: 26.2% and cash: 5.5% of total assets), and 73.5% 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.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
26.5%
Return on assets
5%
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 19-01-2026, 12 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
12 d early
2024
4 d late
2023
on the day
2022
3 d late
2021
4 d late
2020
5 d early
2019
361 d late
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€241k▲ 23.1%
2024 · €196k
2019: €74k
2020: €112k
2021: €154k
2022: €185k
2023: €185k
2024: €196k
2019 → 2025
Total assets
€912k▲ 210%
2024 · €294k
2019: €127k
2020: €196k
2021: €246k
2022: €280k
2023: €255k
2024: €294k
2019 → 2025
Net result
€45k▲ 321%
2024 · €11k
2019: €53k
2020: €53k
2021: €42k
2022: €31k
2023: €367
2024: €11k
2019 → 2025
Working capital
€24k▼ 84.1%
2024 · €154k
2019: €67k
2020: €82k
2021: €102k
2022: €107k
2023: €120k
2024: €154k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€185k▲ 19.9%€185k▲ 0.2%€196k▲ 5.8%€241k▲ 23.1%
Operating result€59k-€46k▼ 22.3%€8k▼ 83.1%€24k▲ 212%€68k▲ 181%
Net result€42k-€31k▼ 26.5%€367▼ 98.8%€11k▲ 2,835%€45k▲ 321%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 181% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €912k
Fixed assets
€649k▲ 1,421%
Current assets
€264k▲ 4.8%
Equity and liabilities €912k
Equity
€241k▲ 23.1%
Debt
€671k▲ 585%
The debt ratio rises from 33.3% to 73.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€84k▲
2024 · €40k
Cash flow
€61k▲
2024 · €26k
Solvency
26.5%▼
2024 · 66.7%
Current ratio
1.10▼
2024 · 2.57
Quick ratio
0.28▼
2024 · 1.24
Debt / equity
2.78▲
2024 · 0.50
ROE
18.8%▲
2024 · 5.5%
ROA
5.0%▲
2024 · 3.7%
Interest coverage
10.50▼
2024 · 10.73
Debt
€671k▲
2024 · €98k
Debt ≤ 1 year
€239k▲
2024 · €98k
Debt > 1 year
€432k
Income taxes
€15k▲
2024 · €12k
Staff costs
€21k▲
2024 · €8k
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€294k€912k▲
Fixed assets21/28€43k€649k▲
Intangible fixed assets21€1k€571▼
Tangible fixed assets22/27€42k€648k▲
Land and buildings22-€644k
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€6k€2k▼
Other tangible fixed assets26€31k-
Current assets29/58€252k€264k▲
Stocks and contracts in progress3€130k€198k▲
Stocks30/36€130k€198k▲
Amounts receivable within one year40/41€39k-
Trade receivables40€10k-
Other amounts receivable41€29k-
Cash at bank and in hand54/58€82k€50k▼
Deferred charges and accrued income490/1-€16k
Equity and liabilities
Total equity and liabilities10/49€294k€912k▲
Equity10/15€196k€241k▲
Contributions10/11€21k€21k=
Reserves13€113k€113k=
Distributable reserves133€113k€113k=
Profit (loss) carried forward14€62k€108k▲
Amounts payable17/49€98k€671k▲
Amounts payable after more than one year17-€432k
Financial debts170/4-€432k
Amounts payable within one year42/48€98k€239k▲
Current portion of amounts payable after more than one year42€25k€31k▲
Trade debts44€53k€30k▼
Suppliers440/4€53k€30k▼
Taxes, remuneration and social security45€20k€30k▲
Taxes450/3€20k€30k▲
Other amounts payable47/48-€149k
Income statement
Code20242025
Non-recurring operating income76A€8k-
Remuneration, social security and pensions62€8k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€50k€108k▲
Operating profit (loss)9901€24k€68k▲
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€23k€60k▲
Income taxes67/77€12k€15k▲
Profit (loss) for the period9904€11k€45k▲
Profit (loss) for the period to be appropriated9905€11k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€108k▲
Profit (loss) brought forward from the previous period14P€52k€62k▲
The notes to these accounts (10 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
14-08
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 05/06/2026
- Registered-office move, Dorp 69, 2820 Bonheiden
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €200kEq €241k ▲23.1%
7 profitable years in a row build equity to €241k.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €367 ▼98.8%
Net result drops to €367, the lowest in the series; recovery starts the following year.
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
04-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
30-06
Financial
Equity above €150kEq €154k ▲37.2%
3 profitable years in a row build equity to €154k.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 361 days late
2020
30-06
Financial
Equity above €100kEq €112k ▲51.1%
2 profitable years in a row build equity to €112k.
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bonheiden · 1 establishment unit since 2017
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.
Dorp 692820 BonheidenGround area
547 m²
Building footprint
485 m²
Volume, LiDAR
2,820 m³
2 parcels, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ISABEAU
since 20172.267.594.932
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005C0490/00S000 | Flanders | 395 m² | 1 · 358 m² | 10.7 m · 1 fl. |
| 11025D0137/02H000 | Flanders | 152 m² | 1 · 126 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BRANDS 4 SALE
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JUMP-TEX
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Of 2,213 companies in sector 47711 we hold annual accounts for 890. 626 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2017
Fiscal year end30-06
Activities, NACEBEL
47711Retail sale of women's outerwear
47715Retail trade
47721Retail sale of footwear
47770Retail sale of watches and jewellery
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.