ISABEAU
ActiveISABEAU has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency43▲+11
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.45 in 2024; short-term debt: 60.5% and cash: 57% of total assets), but 81.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
18.1%
Return on assets
34.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 31540 sector peers (2025).
NBB · sector comparisonPosition among 31540 sector peers
Solvency
better than 22%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €13k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
50 d early
2023
7 d early
2022
47 d early
2021
2 d early
2020
18 d early
2019
3 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▲ 253%
2024 · €4k
2018: €6k
2019: €129
2020: €3k
2021: €7k
2022: €-2k
2023: €11k
2024: €4k
2018 → 2025
Total assets
€70k▲ 40.6%
2024 · €50k
2018: €123k
2019: €87k
2020: €87k
2021: €85k
2022: €79k
2023: €68k
2024: €50k
2018 → 2025
Net result
€24k
2024 · €-8k
2018: €25k
2019: €-5k
2020: €3k
2021: €4k
2022: €-9k
2023: €13k
2024: €-8k
2018 → 2025
Working capital
€22k▲ 58.0%
2024 · €14k
2018: €52k
2019: €37k
2020: €38k
2021: €36k
2022: €21k
2023: €25k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€-2k€11k€4k▼ 67.6%€13k▲ 253%
Operating result€8k-€-7k€19k€-7k€25k
Net result€4k-€-9k€13k€-8k€24k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €25k after a loss of €7k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€5k▲ 20.3%
Current assets
€65k▲ 42.6%
Equity and liabilities €70k
Equity
€13k▲ 253%
Debt
€57k▲ 24.1%
The debt ratio falls from 92.8% to 81.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▲
2024 · €-6k
Cash flow
€25k▲
2024 · €-7k
Solvency
18.1%▲
2024 · 7.2%
Current ratio
1.53▲
2024 · 1.45
Quick ratio
1.43▲
2024 · 0.82
Debt / equity
4.52▼
2024 · 12.85
ROE
189.6%▲
2024 · -208.6%
ROA
34.4%▲
2024 · -15.1%
Interest coverage
47.01▲
2024 · -17.16
Debt
€57k▲
2024 · €46k
Debt ≤ 1 year
€42k▲
2024 · €31k
Debt > 1 year
€15k=
2024 · €15k
Income taxes
€642▼
2024 · €686
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€50k€70k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€3k€4k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24-€1k
Financial fixed assets28€2k€2k=
Current assets29/58€45k€65k▲
Stocks and contracts in progress3€20k€4k▼
Stocks30/36€20k€4k▼
Amounts receivable within one year40/41€6k€21k▲
Trade receivables40€6k€16k▲
Other amounts receivable41€610€5k▲
Cash at bank and in hand54/58€17k€40k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€50k€70k▲
Equity10/15€4k€13k▲
Contributions10/11€6k€6k=
Reserves13€100€7k▲
Distributable reserves133€100€7k▲
Profit (loss) carried forward14€-3k-
Amounts payable17/49€46k€57k▲
Amounts payable after more than one year17€15k€15k=
Financial debts170/4€15k€15k=
Amounts payable within one year42/48€31k€42k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€6k▼
Other amounts payable47/48€19k€35k▲
Income statement
Code20242025
Non-recurring operating income76A€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€149€557▲
Other operating charges640/8€803€774▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€-4k€27k▲
Operating profit (loss)9901€-7k€25k▲
Financial income75/76B€130-
Recurring financial income75€130-
Financial charges65/66B€375€550▲
Recurring financial charges65€375€550▲
Profit (loss) for the period before taxes9903€-7k€25k▲
Income taxes67/77€686€642▼
Profit (loss) for the period9904€-8k€24k▲
Profit (loss) for the period to be appropriated9905€-8k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€21k▲
Profit (loss) brought forward from the previous period14P€5k€-3k▼
Transfer to equity691/2-€6k
To the legal reserve6920-€6k
Profit to be distributed694/7-€15k
Directors or managers695-€15k
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-9k ▼331%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Liège · 1 establishment unit since 2006
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.
Rue Curtius 184020 LiègeGround area
511 m²
Building footprint
134 m²
Volume, LiDAR
1,172 m³
2 parcels, Wallonia · tallest building 11.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ISABEAU SPRL
since 20062.158.172.103
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62096A0286/00A018 | Wallonia | 305 m² | 1 · 62 m² | 11.8 m · 4 fl. |
| 62808A0004/00E002 | Wallonia | 206 m² | 1 · 72 m² | 10.0 m · 2 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesISABEAU SRL40577
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 25,602 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.