Isabelle Willems
ActiveIsabelle Willems has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €42k. Equity is growing by ~47.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▼-1
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 10.3 against 7.61 in 2024; short-term debt: 8.9% and cash: 87.6% of total assets), and 9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
91%
Return on assets
24.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-09-2026, 32 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 · 4 filingsDeviation from the deadline
2025
32 d late
2024
29 d late
2023
6 d early
2022
31 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k▲ 36.8%
2024 · €115k
2022: €22k
2023: €71k
2024: €115k
2022 → 2025
Total assets
€172k▲ 30.8%
2024 · €132k
2022: €35k
2023: €91k
2024: €132k
2022 → 2025
Net result
€42k▼ 3.6%
2024 · €44k
2022: €7k
2023: €49k
2024: €44k
2022 → 2025
Working capital
€143k▲ 33.6%
2024 · €107k
2022: €19k
2023: €63k
2024: €107k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€22k-€71k▲ 216%€115k▲ 61.8%€157k▲ 36.8%
Operating result€10k-€68k▲ 558%€61k▼ 10.9%€58k▼ 4.4%
Net result€7k-€49k▲ 563%€44k▼ 10.5%€42k▼ 3.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€14k▲ 63.5%
Current assets
€158k▲ 28.5%
Equity and liabilities €172k
Equity
€157k▲ 36.8%
Debt
€15k▼ 9.4%
The debt ratio falls from 13.0% to 9.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▼
2024 · €62k
Cash flow
€44k▼
2024 · €45k
Solvency
91.0%▲
2024 · 87.0%
Current ratio
10.30▲
2024 · 7.61
Quick ratio
10.30▲
2024 · 7.61
Debt / equity
0.10▼
2024 · 0.15
ROE
26.9%▼
2024 · 38.2%
ROA
24.5%▼
2024 · 33.3%
Interest coverage
90.07▼
2024 · 258.86
Debt
€15k▼
2024 · €17k
Debt ≤ 1 year
€15k▼
2024 · €16k
Income taxes
€16k▼
2024 · €17k
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€132k€172k▲
Fixed assets21/28€9k€14k▲
Tangible fixed assets22/27€9k€14k▲
Land and buildings22€6k€9k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€834€5k▲
Current assets29/58€123k€158k▲
Cash at bank and in hand54/58€115k€151k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€132k€172k▲
Equity10/15€115k€157k▲
Contributions10/11€15k€15k=
Reserves13€100k€142k▲
Distributable reserves133€100k€142k▲
Amounts payable17/49€17k€15k▼
Amounts payable within one year42/48€16k€15k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€3k€5k▲
Accrued charges and deferred income492/3€939€142▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€527▼
Gross operating margin9900€64k€60k▼
Operating profit (loss)9901€61k€58k▼
Financial income75/76B€264€977▲
Recurring financial income75€264€977▲
Financial charges65/66B€241€665▲
Recurring financial charges65€241€665▲
Profit (loss) for the period before taxes9903€61k€59k▼
Income taxes67/77€17k€16k▼
Profit (loss) for the period9904€44k€42k▼
Profit (loss) for the period to be appropriated9905€44k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€42k▼
Transfer to equity691/2€44k€42k▼
To other reserves6921€44k€42k▼
The notes to these accounts (5 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
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
2025
31-12
Financial
Equity above €150kEq €157k ▲36.8%
4 profitable years in a row build equity to €157k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €115k ▲61.8%
3 profitable years in a row build equity to €115k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €49k ▲563%
Operating result €68k, net result €49k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lummen · 1 establishment unit since 2022
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.
Dikke Eikstraat 33560 LummenGround area
1,425 m²
Building footprint
282 m²
Volume, LiDAR
1,135 m³
Parcel 71542D0531/00D002, Flanders · tallest building 21.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Isabelle Willems
since 20222.334.372.306
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71542D0531/00D002 | Flanders | 1,425 m² | 1 · 282 m² | 21.2 m · 1 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 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,757 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-08-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
69209Other tax advisory services
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.