Isabel De Beule
ActiveIsabel De Beule has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €19k. Equity is shrinking by ~61.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 23% of 2035 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+9
Solvency33▲+3
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2035 sector peers (2025).
NBB · sector comparisonPosition among 2035 sector peers
Solvency
better than 23%
← weakest
strongest →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
29 d early
2024
24 d early
2023
84 d late
2022
26 d late
2021
12 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k=
2024 · €3k
2021: €18k
2022: €18k
2023: €8k
2024: €3k
2021 → 2025
Total assets
€33k▼ 37.9%
2024 · €52k
2021: €35k
2022: €40k
2023: €20k
2024: €52k
2021 → 2025
Net result
€19k▲ 107%
2024 · €9k
2021: €15k
2022: €711
2023: €-10k
2024: €9k
2021 → 2025
Working capital
€897▲ 127%
2024 · €395
2021: €18k
2022: €17k
2023: €8k
2024: €395
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€18k▲ 4.0%€8k▼ 56.4%€3k▼ 68.9%€3k=
Operating result€21k-€3k▼ 85.1%€-10k€14k€30k▲ 112%
Net result€15k-€711▼ 95.3%€-10k€9k€19k▲ 107%
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 112% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€2k▼ 23.9%
Current assets
€31k▼ 38.5%
Equity and liabilities €33k
Equity
€3k=
Debt
€30k▼ 39.8%
The debt ratio falls from 95.2% to 92.3%. Debt is lower.
Key figures and ratios
EBITDA
€31k▲
2024 · €14k
Cash flow
€20k▲
2024 · €10k
Solvency
7.7%▲
2024 · 4.8%
Current ratio
1.03▲
2024 · 1.01
Quick ratio
1.03▲
2024 · 1.01
Debt / equity
12.03▼
2024 · 19.97
ROE
769.1%▲
2024 · 372.1%
ROA
59.0%▲
2024 · 17.7%
Interest coverage
45.87▼
2024 · 143.59
Debt
€30k▼
2024 · €50k
Debt ≤ 1 year
€30k▼
2024 · €50k
Income taxes
€10k▲
2024 · €5k
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€52k€33k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€990€630▼
Furniture and vehicles24€1k€973▼
Current assets29/58€50k€31k▼
Amounts receivable within one year40/41€19k€251▼
Trade receivables40€16k€212▼
Other amounts receivable41€4k€39▼
Cash at bank and in hand54/58€29k€30k▲
Deferred charges and accrued income490/1€2k€745▼
Equity and liabilities
Total equity and liabilities10/49€52k€33k▼
Equity10/15€3k€3k=
Contributions10/11€3k€3k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€0€0=
Amounts payable17/49€50k€30k▼
Amounts payable within one year42/48€50k€30k▼
Trade debts44€22k€1k▼
Suppliers440/4€22k€1k▼
Taxes, remuneration and social security45€14k€8k▼
Taxes450/3€14k€8k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€15k€20k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€233€502▲
Other operating charges640/8€695€1k▲
Gross operating margin9900€15k€32k▲
Operating profit (loss)9901€14k€30k▲
Financial income75/76B€0€75▲
Recurring financial income75€0€75▲
Financial charges65/66B€100€666▲
Recurring financial charges65€100€666▲
Profit (loss) for the period before taxes9903€14k€29k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€9k€19k▲
Profit (loss) for the period to be appropriated9905€9k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€19k▲
Transfer from equity791/2€6k€0▼
Profit to be distributed694/7€15k€19k▲
Return on contributions (dividend)694€15k€19k▲
The notes to these accounts (8 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €19k ▲107%
Operating result €30k, net result €19k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
31-12
Financial
Weakest financial yearnet €-10k ▼1563%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
19-07
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
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, Bornem · 1 establishment unit since 2021
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.
Sint-Margaretaplein(WIN) 132880 BornemGround area
99 m²
Building footprint
68 m²
Volume, LiDAR
483 m³
Parcel 12015B0274/00Y000, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Isabel De Beule
since 20212.316.551.129
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015B0274/00Y000 | Flanders | 99 m² | 1 · 68 m² | 9.9 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,632 EUR awarded · 1,632 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 120 EUR | 120 EUR |
| 2023 | 1 | 762 EUR | 762 EUR |
| 2022 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
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Of 11,669 companies in sector 85599 we hold annual accounts for 1,329. 396 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2021
Fiscal year end31-12
Activities, NACEBEL
85599Other education
78200Temporary employment agencies and other provision of personnel
78300Employment activities
86904Human health activities
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.