ISABELLE
ActiveSummary
ISABELLE has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €226,007 and a net result of -€13,240. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 95% of 6160 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability12▲+5
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days only on tighter terms
Liquidity ample (current ratio 15.0 against 69.35 in 2023; short-term debt: 4.8% and cash: 0.7% of total assets), and 4.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
95.2%
Return on assets
-5.6%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
192021222324
2019 to 2024 · latest year -€13,240
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-11-2025, 106 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
106 d late
2023
145 d late
2022
70 d late
2021
31 d late
2020
88 d late
2019
86 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 88 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€226,007▼ 5.5%
2023 · €239,247
Total assets
€237,439▼ 2.2%
2023 · €242,682
Net result
-€13,240▲ 42.7%
2023 · -€23,087
Working capital
€160,011▼ 31.8%
2023 · €234,764
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€4,023▼ 77.7%€6,200▲ 54.1%€18,478▲ 198%-€14,438-€9,134▲ 36.7%
Net result-€1,004within the sector's middle half€2,717within the sector's middle half€5,059within the sector's middle half▲ 86.2%-€23,087below the sector's middle half-€13,240below the sector's middle half▲ 42.7%
Equity€253,745above the sector's middle half▼ 0.4%€252,145above the sector's middle half▼ 0.6%€262,335above the sector's middle half▲ 4.0%€239,247above the sector's middle half▼ 8.8%€226,007above the sector's middle half▼ 5.5%
Total assets€396,576above the sector's middle half▼ 3.7%€469,691above the sector's middle half▲ 18.4%€383,584above the sector's middle half▼ 18.3%€242,682above the sector's middle half▼ 36.7%€237,439above the sector's middle half▼ 2.2%
Debt€142,831▼ 9.2%€217,546▲ 52.3%€121,249▼ 44.3%€3,435▼ 97.2%€11,432▲ 233%
Working capital€224,589above the sector's middle half▼ 1.8%€211,448above the sector's middle half▼ 5.9%€226,032above the sector's middle half▲ 6.9%€234,764above the sector's middle half▲ 3.9%€160,011above the sector's middle half▼ 31.8%
Solvency64.0%above the sector's middle half▲ 2.2pp53.7%within the sector's middle half▼ 10.3pp68.4%above the sector's middle half▲ 14.7pp98.6%above the sector's middle half▲ 30.2pp95.2%above the sector's middle half▼ 3.4pp
Current ratio12.78above the sector's middle half▼ 0.592.87above the sector's middle half▼ 9.919.98above the sector's middle half▲ 7.1069.35above the sector's middle half▲ 59.3715.00above the sector's middle half▼ 54.35
Return on assets (ROA)-0.3%within the sector's middle half▼ 2.9pp0.6%within the sector's middle half▲ 0.8pp1.3%within the sector's middle half▲ 0.7pp-9.5%below the sector's middle half▼ 10.8pp-5.6%below the sector's middle half▲ 3.9pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9,134 in 2024 against €14,438 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €237,439
Fixed assets
€65,996 ▲ 1,372%
Current assets
€171,443 ▼ 28.0%
Equity and liabilities €237,439
Equity
€226,007 ▼ 5.5%
Debt
€11,432 ▲ 233%
Debt's share of the balance-sheet total rises from 1.4% to 4.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€1,224▲
2023 · -€12,425
Cash flow
-€5,330▲
2023 · -€21,074
Quick ratio
14.51▼
2023 · 67.82
Debt to equity
0.05▲
2023 · 0.01
ROE
-5.9%▲
2023 · -9.7%
Interest coverage
-2.82▼
2023 · -2.28
Debt ≤ 1 year
€11,432▲
2023 · €3,435
Debt > 1 year
€0▼
2023 · €0
Income taxes
€3,675▲
2023 · €3,188
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €50,750 | €905 | ▼ 98.2% |
| Remuneration, social security and pensions62 | - | - | €21 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,988 | €12,860 | €12,060 | €2,013 | €7,910 | ▲ 293% |
| Other operating charges640/8 | - | €3,192 | €3,316 | €4,917 | €717 | ▼ 85.4% |
| Non-recurring operating charges66A | - | - | - | €5,016 | €1,291 | ▼ 74.3% |
| Gross operating margin9900 | €19,329 | €22,251 | €33,875 | -€2,492 | €784 | ▲ 131% |
| Operating profit (loss)9901 | €4,023 | €6,200 | €18,478 | -€14,438 | -€9,134 | ▲ 36.7% |
| Financial income75/76B | - | €0 | €0 | €0 | €4 | ▲ 6,750% |
| Recurring financial income75 | €97 | €0 | €0 | €0 | €4 | ▲ 6,750% |
| Financial charges65/66B | - | €3,483 | €4,195 | €5,462 | €434 | ▼ 92.0% |
| Recurring financial charges65 | €4,003 | €3,483 | €4,195 | €5,462 | €434 | ▼ 92.0% |
| Profit (loss) for the period before taxes9903 | -€914 | €2,717 | €14,283 | -€19,900 | -€9,565 | ▲ 51.9% |
| Income taxes67/77 | €90 | - | €9,225 | €3,188 | €3,675 | ▲ 15.3% |
| Profit (loss) for the period9904 | -€1,004 | €2,717 | €5,059 | -€23,087 | -€13,240 | ▲ 42.7% |
| Profit (loss) for the period to be appropriated9905 | -€1,004 | €2,717 | €5,059 | -€23,087 | -€13,240 | ▲ 42.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €396,576 | €469,691 | €383,584 | €242,682 | €237,439 | ▼ 2.2% |
| Fixed assets21/28 | €152,924 | €145,323 | €132,373 | €4,483 | €65,996 | ▲ 1,372% |
| Tangible fixed assets22/27 | €152,924 | €145,323 | €132,373 | €4,483 | €65,996 | ▲ 1,372% |
| Land and buildings22 | - | €141,000 | €129,250 | €0 | €60,197 | - |
| Plant, machinery and equipment23 | - | €87 | €0 | €0 | €892 | - |
| Furniture and vehicles24 | - | €4,236 | €3,123 | €4,483 | €4,907 | ▲ 9.5% |
| Current assets29/58 | €243,652 | €324,368 | €251,211 | €238,199 | €171,443 | ▼ 28.0% |
| Amounts receivable after more than one year29 | - | €211,028 | €211,028 | €201,937 | €163,658 | ▼ 19.0% |
| Other amounts receivable291 | - | €211,028 | €211,028 | €201,937 | €163,658 | ▼ 19.0% |
| Stocks and contracts in progress3 | €1,576 | - | €5,253 | €5,253 | €5,534 | ▲ 5.4% |
| Stocks30/36 | - | - | €5,253 | €5,253 | €5,534 | ▲ 5.4% |
| Amounts receivable within one year40/41 | €7,930 | €112,049 | €21,809 | €15,155 | €502 | ▼ 96.7% |
| Trade receivables40 | - | €109,881 | €16,049 | €9,395 | €302 | ▼ 96.8% |
| Other amounts receivable41 | - | €2,168 | €5,760 | €5,760 | €200 | ▼ 96.5% |
| Cash at bank and in hand54/58 | €19,323 | - | €11,830 | €13,939 | €1,593 | ▼ 88.6% |
| Deferred charges and accrued income490/1 | - | €1,291 | €1,291 | €1,914 | €156 | ▼ 91.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €396,576 | €469,691 | €383,584 | €242,682 | €237,439 | ▼ 2.2% |
| Equity10/15 | €253,745 | €252,145 | €262,335 | €239,247 | €226,007 | ▼ 5.5% |
| Contributions10/11 | - | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Reserves13 | €30,030 | €30,030 | €30,030 | €30,030 | €30,030 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Tax-exempt reserves132 | - | €28,171 | €28,171 | €28,171 | €28,171 | = |
| Profit (loss) carried forward14 | €217,517 | €215,917 | €226,107 | €203,019 | €189,779 | ▼ 6.5% |
| Amounts payable17/49 | €142,831 | €217,546 | €121,249 | €3,435 | €11,432 | ▲ 233% |
| Amounts payable after more than one year17 | €123,435 | €104,626 | €95,270 | €0 | €0 | ▼ 100% |
| Financial debts170/4 | - | €104,626 | €95,270 | €0 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €19,063 | €112,920 | €25,178 | €3,435 | €11,432 | ▲ 233% |
| Current portion of amounts payable after more than one year42 | - | €14,009 | €14,009 | €0 | - | - |
| Financial debts43 | - | - | - | - | €155 | - |
| Credit institutions430/8 | - | - | - | - | €155 | - |
| Trade debts44 | €1,835 | €8,510 | €1,751 | €2,440 | €2,940 | ▲ 20.5% |
| Suppliers440/4 | - | €8,510 | €1,751 | €2,440 | €2,940 | ▲ 20.5% |
| Advances received on contracts in progress46 | - | €74,216 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €1,272 | €1,317 | €994 | €1,733 | ▲ 74.2% |
| Taxes450/3 | - | €1,272 | €1,310 | €994 | €1,733 | ▲ 74.2% |
| Remuneration and social security454/9 | - | - | €7 | €0 | - | - |
| Other amounts payable47/48 | - | €14,913 | €8,102 | €0 | €6,604 | - |
| Accrued charges and deferred income492/3 | - | - | €801 | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,004 | €2,717 | €5,059 | -€23,087 | -€13,240 | ▲ 42.7% |
| + Depreciation and write-downs630 | €11,988 | €12,860 | €12,060 | €2,013 | €7,910 | ▲ 293% |
| Operating cash flow (approximation) | €10,984 | €15,577 | €17,119 | -€21,074 | -€5,330 | ▲ 74.7% |
| Investment in fixed assets (approximation) | - | -€5,258 | €890 | €125,877 | -€69,423 | ▼ 155% |
| Change in cash | - | - | - | €2,109 | -€12,346 | ▼ 685% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
14-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 106 days late
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 145 days late
2023
31-12
Financial
Weakest financial yearnet -€23,087
Net result drops to -€23,087, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 69.35
Current ratio from 9.98 to 69.35; short-term debt falls from €25,178 to €3,435.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 9.98
Current ratio from 2.87 to 9.98; short-term debt falls from €112,920 to €25,178.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €2,717
Net result €2,717 after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 86 days late
2019
07-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 191 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Pepingen · 1 establishment unit since 1998
Ground area
839 m²
Building footprint
100 m²
Volume, LiDAR
590 m³
Parcel 23064E0154/02S000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Si'Zoo
since 19982.086.949.555
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23064E0154/02S000 | Flanders | 839 m² | 1 · 100 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 21,722 companies in this sector we hold annual accounts for 2,838. 1,260 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded27-01-1998
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
96220Beauty care and other beauty treatments
E-invoicing
Reachable via Peppol
Peppol ID
0208:0462525989
Registered
19-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.