ISABELLE COOREMAN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.73M and a net result of €357k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 91% of 8018 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
19202122232425
2019 to 2025 · latest year €2.73M
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-12-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
26 d early
2023
23 d early
2022
26 d early
2021
39 d early
2020
27 d early
2019
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.73M▲ 15.1%
2024 · €2.37M
2019: €2.19M
2020: €2.58M
2021: €2.67M
2022: €2.55M
2023: €2.39M
2024: €2.37M
2019 → 2025
Net result
€357k▲ 20.0%
2024 · €298k
2019: €356k
2020: €388k
2021: €389k
2022: €374k
2023: €320k
2024: €298k
2019 → 2025
Total assets
€2.94M▲ 7.1%
2024 · €2.75M
2019: €2.37M
2020: €2.76M
2021: €2.80M
2022: €2.68M
2023: €2.69M
2024: €2.75M
2019 → 2025
Solvency
92.9%▲ 6.4pp
2024 · 86.4%
2019: 92.4%
2020: 93.3%
2021: 95.0%
2022: 95.3%
2023: 89.1%
2024: 86.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.67M-€2.55M▼ 4.3%€2.39M▼ 6.1%€2.37M▼ 0.9%€2.73M▲ 15.1%
Operating result€560k-€538k▼ 3.8%€458k▼ 14.9%€355k▼ 22.5%€500k▲ 40.8%
Net result€389k-€374k▼ 3.7%€320k▼ 14.4%€298k▼ 7.1%€357k▲ 20.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 41% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.94M
Fixed assets
€1.35M▲ 3.4%
Current assets
€1.59M▲ 10.4%
Equity and liabilities €2.94M
Equity
€2.73M▲ 15.1%
Provisions
€45k=
Debt
€165k▼ 49.8%
The debt ratio falls from 11.9% to 5.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
92.9%▲
2024 · 86.4%
ROE
13.1%▲
2024 · 12.5%
ROA
12.2%▲
2024 · 10.8%
Debt
€165k▼
2024 · €328k
Debt ≤ 1 year
€165k▼
2024 · €328k
Income taxes
€168k▲
2024 · €129k
Staff costs
€625▲
2024 · €0
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€2.75M€2.94M▲
Fixed assets21/28€1.31M€1.35M▲
Tangible fixed assets22/27€1.26M€1.31M▲
Land and buildings22€1.22M€1.28M▲
Plant, machinery and equipment23€379€0▼
Furniture and vehicles24€9k€7k▼
Other tangible fixed assets26€35k€24k▼
Financial fixed assets28€45k€45k=
Current assets29/58€1.44M€1.59M▲
Amounts receivable within one year40/41€294k€1.13M▲
Trade receivables40€294k€326k▲
Other amounts receivable41€0€803k▲
Current investments50/53€605k€455k▼
Cash at bank and in hand54/58€537k€2k▼
Deferred charges and accrued income490/1€344€0▼
Equity and liabilities
Total equity and liabilities10/49€2.75M€2.94M▲
Equity10/15€2.37M€2.73M▲
Contributions10/11€19k€19k=
Reserves13€2.16M€2.49M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€71k€71k=
Distributable reserves133€2.09M€2.42M▲
Profit (loss) carried forward14€194k€221k▲
Provisions and deferred taxes16€45k€45k=
Provisions for liabilities and charges160/5€45k€45k=
Pensions and similar obligations160€45k€45k=
Amounts payable17/49€328k€165k▼
Amounts payable within one year42/48€328k€165k▼
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€99k€154k▲
Taxes450/3€99k€154k▲
Other amounts payable47/48€221k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0€625▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€159k€49k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€519k€553k▲
Operating profit (loss)9901€355k€500k▲
Financial income75/76B€72k€27k▼
Recurring financial income75€72k€27k▼
Financial charges65/66B€203€2k▲
Recurring financial charges65€203€2k▲
Profit (loss) for the period before taxes9903€427k€526k▲
Income taxes67/77€129k€168k▲
Profit (loss) for the period9904€298k€357k▲
Profit (loss) for the period to be appropriated9905€298k€357k▲
Appropriation of the result
Profit (loss) to be appropriated9906€464k€551k▲
Profit (loss) brought forward from the previous period14P€166k€194k▲
Transfer from equity791/2€320k€0▼
Transfer to equity691/2€270k€330k▲
To other reserves6921€270k€330k▲
Profit to be distributed694/7€320k€0▼
Return on contributions (dividend)694€320k€0▼
The notes to these accounts (13 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
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 9.63
Current ratio from 4.38 to 9.63; short-term debt falls from €328k to €165k.
05-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €298k ▼7.1%
Net result drops to €298k, the lowest in the series; recovery starts the following year.
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €389k ▲0.1%
Net result €389k, the highest in the series.
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Asse
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.
Meersstraat 471730 AsseGround area
1,134 m²
Building footprint
165 m²
Volume, LiDAR
971 m³
Parcel 23322E0330/00E000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322E0330/00E000 | Flanders | 1,134 m² | 1 · 165 m² | 8.4 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 9,961 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-1999
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
69101Activities of lawyers
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.