Isabelle Moens
ActiveSummary
Isabelle Moens has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €31k. Its solvency ranks better than 72% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+20
Growth52
Track record82
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 3.49 against 1.89 in 2024; short-term debt: 26.6% and cash: 37.1% of total assets), and 26.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
73.4%
Return on assets
30.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-03-2026, 141 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
141 d early
2024
147 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€74k▲ 67.3%
2024 · €44k
2024: €44k
2024 → 2025
Total assets
€101k▲ 21.4%
2024 · €83k
2024: €83k
2024 → 2025
Net result
€31k▼ 26.4%
2024 · €42k
2024: €42k
2024 → 2025
Working capital
€67k▲ 92.5%
2024 · €35k
2024: €35k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€44k-€74k▲ 67.3%
Operating result€53k-€39k▼ 25.6%
Net result€42k-€31k▼ 26.4%
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 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€7k ▼ 23.8%
Current assets
€93k ▲ 27.2%
Equity and liabilities €101k
Equity
€74k ▲ 67.3%
Debt
€27k ▼ 30.9%
Debt's share of the balance-sheet total falls from 46.8% to 26.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €54k
Cash flow
€33k▼
2024 · €43k
Current ratio
3.49▲
2024 · 1.89
Debt to equity
0.36▼
2024 · 0.88
ROE
41.4%▼
2024 · 94.0%
ROA
30.4%▼
2024 · 50.0%
Interest coverage
482.41▼
2024 · 985.11
Debt ≤ 1 year
€27k▼
2024 · €39k
Income taxes
€9k▼
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€83k€101k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Furniture and vehicles24€10k€7k▼
Current assets29/58€73k€93k▲
Amounts receivable within one year40/41€53k€56k▲
Trade receivables40€53k€43k▼
Other amounts receivable41-€13k
Cash at bank and in hand54/58€21k€37k▲
Equity and liabilities
Total equity and liabilities10/49€83k€101k▲
Equity10/15€44k€74k▲
Contributions10/11€4k€4k=
Reserves13€40k€70k▲
Distributable reserves133€40k€70k▲
Profit (loss) carried forward14€660€398▼
Amounts payable17/49€39k€27k▼
Amounts payable within one year42/48€39k€27k▼
Trade debts44€365€962▲
Suppliers440/4€365€962▲
Taxes, remuneration and social security45€17k€25k▲
Taxes450/3€17k€25k▲
Other amounts payable47/48€22k€833▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€641€261▼
Gross operating margin9900€55k€42k▼
Operating profit (loss)9901€53k€39k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€55€86▲
Recurring financial charges65€55€86▲
Profit (loss) for the period before taxes9903€53k€39k▼
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€42k€31k▼
Profit (loss) for the period to be appropriated9905€42k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€31k▼
Profit (loss) brought forward from the previous period14P-€660
Transfer to equity691/2€40k€30k▼
To other reserves6921€40k€30k▼
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (4 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
12-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-03
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, Kontich · 1 establishment unit since 2024
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.
Elshagelaan 72550 KontichGround area
649 m²
Building footprint
97 m²
Volume, LiDAR
497 m³
Parcel 11602C0646/00W000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Isabelle Moens
since 20242.356.400.709
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602C0646/00W000 | Flanders | 649 m² | 1 · 97 m² | 7.5 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
WINGER ACADEMY
BE 0683.768.638
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BE 0775.317.238
Overijse · Eq €73,851
Antwerp Service Partners
BE 0826.849.873
Antwerpen · Eq €73,841
Pigment Paint & Sip
BE 1010.833.040
Gent · Eq €73,827
MALEAM
BE 0712.654.248
Sint-Genesius-Rode · Eq €73,821
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,112 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2024
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.