ISABEL VANNESTE
ActiveISABEL VANNESTE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €1k. Its solvency ranks better than 71% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-24
Solvency98▼-2
Growth52
Track record82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 3.15 in 2024; short-term debt: 27.5% and cash: 15.8% of total assets), and 27.5% of the assets are financed with debt.
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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
72.5%
Return on assets
5.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
30 d early
2024
64 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 8.7%
2024 · €15k
2024: €15k
2024 → 2025
Total assets
€22k▲ 11.9%
2024 · €20k
2024: €20k
2024 → 2025
Net result
€1k▼ 87.0%
2024 · €10k
2024: €10k
2024 → 2025
Working capital
€11k▲ 1.3%
2024 · €11k
2024: €11k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€15k-€16k▲ 8.7%
Operating result€14k-€2k▼ 82.7%
Net result€10k-€1k▼ 87.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€5k▲ 28.5%
Current assets
€17k▲ 7.7%
Equity and liabilities €22k
Equity
€16k▲ 8.7%
Debt
€6k▲ 21.4%
The debt ratio rises from 25.3% to 27.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €15k
Cash flow
€3k▼
2024 · €11k
Solvency
72.5%▼
2024 · 74.7%
Current ratio
2.79▼
2024 · 3.15
Quick ratio
2.79▼
2024 · 3.15
Debt / equity
0.38▲
2024 · 0.34
ROE
8.0%▼
2024 · 66.6%
ROA
5.8%▼
2024 · 49.7%
Interest coverage
79.55▼
2024 · 315.10
Debt
€6k▲
2024 · €5k
Debt ≤ 1 year
€6k▲
2024 · €5k
Income taxes
€1k▼
2024 · €4k
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€20k€22k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Plant, machinery and equipment23€966€490▼
Furniture and vehicles24€3k€5k▲
Current assets29/58€16k€17k▲
Amounts receivable within one year40/41€8k€14k▲
Trade receivables40-€5k
Other amounts receivable41€8k€9k▲
Cash at bank and in hand54/58€8k€4k▼
Deferred charges and accrued income490/1€93€29▼
Equity and liabilities
Total equity and liabilities10/49€20k€22k▲
Equity10/15€15k€16k▲
Contributions10/11€5k€5k=
Reserves13€10k€11k▲
Distributable reserves133€10k€11k▲
Amounts payable17/49€5k€6k▲
Amounts payable within one year42/48€5k€6k▲
Taxes, remuneration and social security45€446€3k▲
Taxes450/3€446€3k▲
Other amounts payable47/48€5k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€72€72=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€384€513▲
Gross operating margin9900€16k€5k▼
Operating profit (loss)9901€14k€2k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€48€54▲
Recurring financial charges65€48€54▲
Profit (loss) for the period before taxes9903€14k€2k▼
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€10k€1k▼
Profit (loss) for the period to be appropriated9905€10k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€1k▼
Transfer to equity691/2€10k€1k▼
To other reserves6921€10k€1k▼
The notes to these accounts (5 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Brugge · 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.
Het Brembos 58200 BruggeGround area
543 m²
Building footprint
138 m²
Volume, LiDAR
707 m³
Parcel 31512B0480/00S002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISABEL VANNESTE
since 20232.352.250.889
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31512B0480/00S002 | Flanders | 543 m² | 1 · 138 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 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,442 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2023
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.