Checked.be
Active
BE 0754.795.996Private limited company
ISABELGIUM
Jean-Baptiste de Ghellincklaan 29 ·9051 Gent, Belgium· 5 yrs active
Sector: Retail trade
(47781)
Conclusion
The computed 12-month bankruptcy probability of ISABELGIUM is 1.9% (moderate). The 2024 annual accounts show equity of €20k and a net result of €7k. Equity is growing by ~33% per year across the filed fiscal years. Its solvency ranks better than 78% of 6697 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €20k |
| Net result | €7k |
| Better than sector | 78% |
| Active | 5 yrs |
Snowflake analysis
83
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
88
Profitability
100
Solvency
83
Growth
52
Stability
94
Bankruptcy probability (12 mo)
1.9%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Health barometer
88
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 24-07-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~33%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 53.6% | 20.4% | |
| Net result | €7k | €4k | |
| Equity | €20k | €16k | |
| Gross operating margin | €17k | €24k | |
| Total assets | €38k | €94k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€16k
-15.7%
-52% vs sector
€7k
-33.3%
+19% vs sector
€12k
-14.4%
-51% vs sector
€38k
-32.3%
-74% vs sector
€20k
+54.1%
-61% vs sector
€7k
+259.1%
-86% vs sector
€4k
-1.5%
+11% vs sector
€29k
+220.6%
20-24
€18k
-58.9%
-81% vs sector
€18k
-58.9%
-71% vs sector
1.40
+34.1%
-10% vs sector
1.40
+34.1%
-10% vs sector
53.6%
+127.8%
+50% vs sector
0.87
-73.4%
-52% vs sector
35.1%
-56.7%
far above sector median
18.8%
-1.4%
far above sector median
9.40
-0.1%
+10% vs sector
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €16k |
| Net profit | €7k |
| Cash flow | €12k |
| Staff costs | - |
| Income taxes | €4k |
| Dividends | - |
| Total assets | €38k |
| Equity | €20k |
| Debt | €18k |
| of which ≤ 1y | €18k |
| of which > 1y | - |
| Working capital | €7k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.40 |
| Quick ratio | 1.40 |
| Working capital ratio | 18.7% |
| Solvency | 53.6% |
| Debt / equity | 0.87 |
| Long-term debt ratio | - |
| Interest coverage | 9.40 |
| Gross margin | - |
| Net margin | - |
| ROA | 18.8% |
| ROE | 35.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €38k |
| Fixed assets | 21/28 | €13k |
| Tangible fixed assets | 22/27 | €10k |
| Financial fixed assets | 28 | €4k |
| Current assets | 29/58 | €25k |
| Amounts receivable within one year | 40/41 | €2k |
| Cash & bank | 54/58 | €23k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €38k |
| Equity | 10/15 | €20k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €18k |
| Amounts payable | 17/49 | €18k |
| Amounts payable within one year | 42/48 | €18k |
| Trade debts payable within one year | 44 | €4k |
| Income statement | ||
| Gross operating margin | 9900 | €17k |
| Operating result | 9901 | €12k |
| Financial income | 75 | €1k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €11k |
| Income taxes | 67/77 | €4k |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Directors & mandates
Current directors & mandates
-
Current17-06-2026 → present
Former directors (1)
-
Former- → 17-06-2026
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
| NACE primary | Retail trade(47781) |
| Legal form | Private limited company(610) |
| Incorporation | 24-09-2020 |
| Status | Active |
| Postal code | 9051 |
Establishment units
ISABELGIUM
since 20202.308.439.157
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062D0400/00A000 | Flanders | 5,063 m² | 1 · 626 m² | 20.6 m · 4 fl. |
| 11806F1277/00B006 | Flanders | 2,918 m² | 1 · 195 m² | 19.4 m · 5 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2026
07-08-2026
State Gazette act
General meeting · Registered-office move
2025
24-07-2025
NBB filing
Annual accounts filed
2024
30-08-2024
NBB filing
Annual accounts filed
2023
18-08-2023
NBB filing
Annual accounts filed
2022
18-07-2022
NBB filing
Annual accounts filed
2021
28-09-2021
NBB filing
Annual accounts filed
Belgisch Staatsblad, acts
Capital history · 1
07-02-2024
Capital change
Address history · 2
07-08-2026
Seat change: to: Grotehondstraat 44, 2018 Antwerpen, from: Jean-Baptiste De Ghellincklaan 29 bus 103, 9051 Gent, effective_date: 2026-06-17
05-11-2024
Registered-office move
All acts · 3
updated 3 days ago
2026
07-08-2026 General meeting · Seat change · Officer resignation · Officer discharge
- Publication: 07/08/2026 · Isabelgium
- Filing: 29/07/2026 · Isabelgium
- General meeting: 17/06/2026 · Isabelgium
- Seat change: to: Grotehondstraat 44, 2018 Antwerpen, from: Jean-Baptiste De Ghellincklaan 29 bus 103, 9051 Gent, effective_date: 2026-06-17 · Isabelgium
- Officer resignation: role: bestuurder, end_date: 2026-06-17 · Vandaele Dominique Pierre Bernice
- Officer discharge · Vandaele Dominique Pierre Bernice
- Officer appointment: role: bestuurder, term: onbepaalde duur, start_date: 2026-06-17 · Alfred Ofosuhene
- Mandate compensation: onbezoldigd · Alfred Ofosuhene
Summary:
General meeting · Seat change · Officer resignation · Officer discharge
Technical details
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"type": "publication",
"quote": "Bijlagen bij het Belgisch Staatsblad - 07/08/2026 - Annexes du Moniteur belge",
"value": "07/08/2026",
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},
{
"date": "2026-07-29",
"type": "filing",
"quote": "NEERLEGGING TER GRIFFIE VAN DE ONDERNEMINGSRECHTBANK GENT ... 29 JULL202\u0411",
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},
{
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"value": "17/06/2026",
"object": null,
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},
{
"date": "2026-06-17",
"type": "seat_change",
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"value": {
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},
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}
},
{
"type": "officer_resignation",
"quote": "De algemene vergadering aanvaardt, met ingang van 17 juni 2026, het ontslag van de heer Vandaele Dominique Pierre Bernice ... als bestuurder van de vennootschap.",
"value": {
"role": "bestuurder",
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"object": "e1",
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"_value_raw": {
"role": "bestuurder",
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},
{
"type": "officer_discharge",
"quote": "Aan de uittredende bestuurder wordt kwijting verleend voor de uitoefening van zijn mandaat tot op heden",
"value": {
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},
"object": "e1",
"subject": "e2"
},
{
"date": "2026-06-17",
"type": "officer_appointment",
"quote": "De algemene vergadering benoemt, met ingang van 17 juni 2026 en voor onbepaalde duur, de heer Alfred Ofosuhene ... als bestuurder van de vennootschap.",
"value": {
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"subject": "e3",
"_value_raw": {
"role": "bestuurder",
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"start_date": "17/06/2026"
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},
{
"type": "mandate_compensation",
"quote": "Het mandaat wordt onbezoldigd uitgeoefend",
"value": "onbezoldigd",
"object": "e1",
"subject": "e3"
}
],
"act_meta": {
"outcome": "corrected",
"model_id": 50,
"verified": true,
"extractor": "verified-v1",
"ocr_chars": 2255,
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},
"entities": [
{
"id": "e1",
"kbo": "0754.795.996",
"kind": "company",
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"attrs": {
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},
{
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"kind": "person",
"name": "Vandaele Dominique Pierre Bernice",
"attrs": {
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}
},
{
"id": "e3",
"kbo": null,
"kind": "person",
"name": "Alfred Ofosuhene",
"attrs": {
"rrn": "NVDCL9JP5",
"address": "Eberstr. 11, 47055 Duisburg (Duitsland)",
"birth_date": "1986-06-25",
"birth_place": "Amsterdam (Nederland)",
"nationality": "Nederlandse"
}
}
]
}2024
05-11-2024 Registered office moved from Lochristl to Sint Denijs Westrem
- Bedrijvenlaan 30A, 9080 Lochristl → 9051 Sint Denijs Westrem, Jean Baptiste de Ghellincklaan 29 bus 0103
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
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"region": "vlaams_gewest",
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"box_number": "0103",
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},
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"effective_date_qualifier": "absolute",
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}
],
"notary": {
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"is_associated": false
},
"act_meta": {
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"pub_date": "2024-11-05",
"filing_date": "2024-10-24",
"act_kind_objet": "Onderwerp akte:"
},
"decision": {
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"date": "2024-09-01",
"unanimous": null
},
"subject_company": {
"kbo": "0754.795.996",
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},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Dominique Vandaele",
"org_rep_person_name": null,
"person_role_at_subject": "Bestuurder"
},
"co_filed_documents": [
"Luk B"
]
}07-02-2024 All shares are now held by a single shareholder
Technical details
{
"events": [
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},
{
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"subscribers": [
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},
"act_meta": {
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"under_authorized_capital": false,
"underlying_resolution_date": "2023-12-31"
},
"bedrijfsrevisor": null,
"subject_company": {
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"publication_proxy": {
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},
"co_filed_documents": [],
"shareholders_after": [
{
"kbo": null,
"pct": 100.0,
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}
],
"share_classes_after": []
}Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE)
Activities
Detailhandel in vaste, vloeibare en gasvormige brandstoffen, muv motorbrandstoffen47781Overige detailhandel, niet in winkels en exclusief markt- en straathandel47990Handelsbemiddeling in voedings- en genotmiddelen46170Handelsbemiddeling in de groothandel in voedings- en genotmiddelen46170
Primary activity highlighted.
Names & trade names
| Legal nameNL | ISABELGIUM |
Registered office
Grotehondstraat 44
2018 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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