ISABELLE ET DANIEL
ActiveISABELLE ET DANIEL has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-12k) and a net result of €-12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
26
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-18
Solvency7▼-19
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.78 against 0.96 in 2023; short-term debt: 117.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-18%
Return on assets
-18.8%
Age of the figures
20 mo
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
30 d late
2022
1 d late
2021
31 d early
2020
15 d early
2019
15 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-12k
2023 · €512
2018: €12k
2019: €-8k
2020: €-3k
2021: €1k
2022: €2k
2023: €512
2018 → 2024
Total assets
€66k▲ 2.0%
2023 · €65k
2018: €65k
2019: €40k
2020: €78k
2021: €38k
2022: €37k
2023: €65k
2018 → 2024
Net result
€-12k▼ 644%
2023 · €-2k
2018: €-11k
2019: €-19k
2020: €5k
2021: €5k
2022: €809
2023: €-2k
2018 → 2024
Working capital
€-17k▼ 502%
2023 · €-3k
2018: €2k
2019: €-16k
2020: €-9k
2021: €-3k
2022: €-457
2023: €-3k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-3k-€1k€2k▲ 59.1%€512▼ 76.5%€-12k
Operating result€-2k-€6k€1k▼ 77.6%€-162€-11k▼ 6,539%
Net result€5k-€5k▲ 1.2%€809▼ 82.3%€-2k€-12k▼ 644%
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 €11k in 2024 against €162 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €66k
Fixed assets
€6k▲ 69.5%
Current assets
€60k▼ 1.7%
Key figures and ratios
EBITDA
€-10k▼
2023 · €522
Cash flow
€-12k▼
2023 · €-984
Solvency
-18.0%▼
2023 · 0.8%
Current ratio
0.78▼
2023 · 0.96
Quick ratio
0.78▼
2023 · 0.96
Debt / equity
-6.55
ROA
-18.8%▼
2023 · -2.6%
Interest coverage
-6.79▼
2023 · 0.35
Debt
€78k▲
2023 · €64k
Debt ≤ 1 year
€78k▲
2023 · €64k
Income taxes
€209▼
2023 · €218
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€65k€66k▲
Fixed assets21/28€3k€6k▲
Tangible fixed assets22/27€2k€5k▲
Plant, machinery and equipment23€621€551▼
Furniture and vehicles24€2k€4k▲
Financial fixed assets28€1k€1k=
Current assets29/58€61k€60k▼
Amounts receivable within one year40/41€59k€58k▼
Trade receivables40€55k€56k▲
Other amounts receivable41€4k€2k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€65k€66k▲
Equity10/15€512€-12k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-8k€-20k▼
Amounts payable17/49€64k€78k▲
Amounts payable within one year42/48€64k€78k▲
Financial debts43€7k€7k▲
Credit institutions430/8€7k€7k▲
Trade debts44€52k€51k▼
Suppliers440/4€52k€51k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€660▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€3k€18k▲
Accrued charges and deferred income492/3-€387
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€683€752▲
Other operating charges640/8€687€558▼
Non-recurring operating charges66A€110-
Gross operating margin9900€1k€-9k▼
Operating profit (loss)9901€-162€-11k▼
Financial income75/76B€183€0▼
Recurring financial income75€183€0▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-1k€-12k▼
Income taxes67/77€218€209▼
Profit (loss) for the period9904€-2k€-12k▼
Profit (loss) for the period to be appropriated9905€-2k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-20k▼
Profit (loss) brought forward from the previous period14P€-6k€-8k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €5k ▲1.2%
Operating result €6k, net result €5k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
10-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oupeye · 1 establishment unit since 1994
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.
Rue Baloé 124680 OupeyeGround area
1,605 m²
Building footprint
170 m²
Volume, LiDAR
969 m³
Parcel 62079A0081/00A000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Baloé 12, 4680 Oupeye
since 19942.066.559.066
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62079A0081/00A000 | Wallonia | 1,605 m² | 1 · 170 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.
Similar companies · same sector, comparable size
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Avide
BE 0766.310.886
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Contiland Trading
BE 0438.001.223
Hoogstraten · Eq €472
JANA-SAM
BE 0838.805.718
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Of 6,157 companies in sector 46190 we hold annual accounts for 2,567. 216 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-1994
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
43320Joinery installation
47551Retail sale of household furniture
47553Retail trade
47591Retail trade
47593Retail trade
52441
95240Repair and maintenance of furniture and upholstery
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.