Skip to content

ISADE

Active
Private limited companyfounded 20241 yr activeRue de l'Ourchet 3, 1367 Ramillies, BelgiumKBO/BCE: BE 1017.855.939
Summary

ISADE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,131 and a net result of €13,156. Its solvency ranks better than 17% of 16754 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes
Profitability97
Solvency41
Growth-
Track record67
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.96; short-term debt: 30% and cash: 13.9% of total assets), and 84% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
16%
Return on assets
23%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 16754 sector peers (2025).
NBB · sector comparison
Position among 16754 sector peers
Solvency
better than 17%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 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 · 1 filing
Deviation from the deadline
2025
22 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 23 December 2024, ISADE was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€9,131
Total assets
€57,225
Net result
€13,156
Working capital
-€704

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €57,225
Fixed assets €40,744
Current assets €16,481
Equity and liabilities €57,225
Equity €9,131
Debt €48,094
Debt finances 84.0% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€26,255
Cash flow
€21,273
Current ratio
0.96
Debt to equity
5.27
ROE
144.1%
ROA
23.0%
Interest coverage
26.59
Debt ≤ 1 year
€17,185
Debt > 1 year
€30,691
Income taxes
€3,995

Peer companies

Historical observation

Of the 2,390 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.0% went bankrupt
1.9% stopped otherwise
97% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 2,390 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
Filed annual accounts As filed with the NBB · 2025 · 39 lines
Balance sheet Code2025
Assets
Total assets20/58€57,225
Fixed assets21/28€40,744
Tangible fixed assets22/27€40,744
Plant, machinery and equipment23€1,526
Furniture and vehicles24€39,218
Current assets29/58€16,481
Amounts receivable within one year40/41€7,976
Trade receivables40€7,976
Cash at bank and in hand54/58€7,976
Deferred charges and accrued income490/1€528
Equity and liabilities
Total equity and liabilities10/49€57,225
Equity10/15€9,131
Contributions10/11€1,500
Profit (loss) carried forward14€7,631
Amounts payable17/49€48,094
Amounts payable after more than one year17€30,691
Financial debts170/4€30,691
Amounts payable within one year42/48€17,185
Current portion of amounts payable after more than one year42€8,848
Trade debts44€524
Suppliers440/4€524
Taxes, remuneration and social security45€3,550
Taxes450/3€3,550
Other amounts payable47/48€4,264
Accrued charges and deferred income492/3€217
Income statement Code2025
Goods, raw materials, services and sundry goods60/61€94,725
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,116
Other operating charges640/8€932
Gross operating margin9900€27,187
Operating profit (loss)9901€18,138
Financial charges65/66B€987
Recurring financial charges65€987
Profit (loss) for the period before taxes9903€17,151
Income taxes67/77€3,995
Profit (loss) for the period9904€13,156
Profit (loss) for the period to be appropriated9905€13,156
Appropriation of the result
Profit (loss) to be appropriated9906€13,156
Profit to be distributed694/7€5,525
Return on contributions (dividend)694€5,525

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Goods, raw materials, services and sundry goods60/61€94,725
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,116
Other operating charges640/8€932
Gross operating margin9900€27,187
Operating profit (loss)9901€18,138
Financial charges65/66B€987
Recurring financial charges65€987
Profit (loss) for the period before taxes9903€17,151
Income taxes67/77€3,995
Profit (loss) for the period9904€13,156
Profit (loss) for the period to be appropriated9905€13,156
Line2025
Assets
Total assets20/58€57,225
Fixed assets21/28€40,744
Tangible fixed assets22/27€40,744
Plant, machinery and equipment23€1,526
Furniture and vehicles24€39,218
Current assets29/58€16,481
Amounts receivable within one year40/41€7,976
Trade receivables40€7,976
Cash at bank and in hand54/58€7,976
Deferred charges and accrued income490/1€528
Equity and liabilities
Total equity and liabilities10/49€57,225
Equity10/15€9,131
Contributions10/11€1,500
Profit (loss) carried forward14€7,631
Amounts payable17/49€48,094
Amounts payable after more than one year17€30,691
Financial debts170/4€30,691
Amounts payable within one year42/48€17,185
Current portion of amounts payable after more than one year42€8,848
Trade debts44€524
Suppliers440/4€524
Taxes, remuneration and social security45€3,550
Taxes450/3€3,550
Other amounts payable47/48€4,264
Accrued charges and deferred income492/3€217
Line2025
Profit (loss) for the period9904€13,156
+ Depreciation and write-downs630€8,116
Operating cash flow (approximation)€21,273

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2026
22-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
NBB filing
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.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
2 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, Ramillies · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
803 m²
Building footprint
68 m²
Volume, LiDAR
373 m³
Parcel 25009A0254/00S000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l'Ourchet 3, 1367 Ramillies
Human health activities
since 20242.367.623.312
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25009A0254/00S000 Wallonia 803 m² 1 · 68 m² 7.7 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.

Similar companies · same sector, comparable size

Of 5,993 companies in sector 86940 we hold annual accounts for 1,811. 1,143 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded23-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
86940Nursing and midwifery
38110Waste collection, recovery and disposal activities
38320Waste collection, recovery and disposal activities
82990Other business support services
96999Other personal services
Contact
E-mail guffensmariefrance@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:1017855939
Also 9925:BE1017855939
Registered 18-01-2026

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.