ISAL
ActiveISAL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €33k and a net result of €8k. Equity is growing by ~27.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 26056 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
70
/ 100
Healthy▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency60▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.33 in 2023), and 67.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
32.2%
Return on assets
7.5%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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
57 d late
2023
323 d late
2022
92 d late
2021
127 d late
2020
368 d late
2019
19 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€8k▼ 20.2%
2023 · €10k
2018: €1k
2019: €3k
2020: €-5k
2021: €7k
2022: €3k
2023: €10k
2018 → 2024
Working capital
€30k▲ 33.8%
2023 · €22k
2018: €5k
2019: €7k
2020: €3k
2021: €10k
2022: €13k
2023: €22k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€5k-€12k▲ 129%€16k▲ 26.0%€25k▲ 61.0%€33k▲ 30.2%
Operating result€-4k-€8k€4k▼ 45.7%€7k▲ 69.7%€6k▼ 18.0%
Net result€-5k-€7k€3k▼ 53.9%€10k▲ 196%€8k▼ 20.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 18% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €102k
Fixed assets
€3k=
Current assets
€99k▲ 9.9%
Equity and liabilities €102k
Equity
€33k▲ 30.2%
Debt
€69k▲ 1.9%
The debt ratio falls from 72.9% to 67.8%: equity grows faster than debt.
Key figures and ratios
Solvency
32.2%▲
2023 · 27.1%
Current ratio
1.44▲
2023 · 1.33
Quick ratio
1.23▲
2023 · 1.08
Debt / equity
2.11▼
2023 · 2.69
ROE
23.2%▼
2023 · 37.9%
ROA
7.5%▼
2023 · 10.3%
Debt
€69k▲
2023 · €68k
Debt ≤ 1 year
€69k▲
2023 · €68k
Staff costs
€3k
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€93k€102k▲
Fixed assets21/28€3k€3k=
Financial fixed assets28€3k€3k=
Current assets29/58€90k€99k▲
Stocks and contracts in progress3€17k€14k▼
Stocks30/36€17k€14k▼
Amounts receivable within one year40/41€57k€60k▲
Other amounts receivable41€57k€60k▲
Cash at bank and in hand54/58€14k€23k▲
Deferred charges and accrued income490/1€2k€2k=
Equity and liabilities
Total equity and liabilities10/49€93k€102k▲
Equity10/15€25k€33k▲
Contributions10/11€11k€11k=
Profit (loss) carried forward14€14k€21k▲
Amounts payable17/49€68k€69k▲
Amounts payable within one year42/48€68k€69k▲
Trade debts44€68k€69k▲
Suppliers440/4€68k€69k▲
Income statement
Code20232024
Remuneration, social security and pensions62-€3k
Other operating charges640/8€708€482▼
Gross operating margin9900€8k€9k▲
Operating profit (loss)9901€7k€6k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€553€2k▲
Recurring financial charges65€553€2k▲
Profit (loss) for the period before taxes9903€10k€8k▼
Profit (loss) for the period9904€10k€8k▼
Profit (loss) for the period to be appropriated9905€10k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€21k▲
Profit (loss) brought forward from the previous period14P€4k€14k▲
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 323 days late
2023
31-12
Financial
Highest result since 2018net €10k ▲196%
Net result €10k, the highest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
05-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 127 days late
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 368 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2020
31-12
Financial
Weakest financial yearnet €-5k ▼284%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2014
12-08
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2014
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
05-03-2014
Kumar ANOOP: Resigned as Managing director
01-02-2011
AZAM SHAFIUL: Resigned as Managing director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2010
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.
Legrandlaan 91000 BrusselGround area
138 m²
Building footprint
94 m²
Volume, LiDAR
1,397 m³
Parcel 21822R0226/00M005, Brussels · tallest building 17.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Legrandlaan 9, 1000 Brussel
since 20102.190.809.732
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0226/00M005 | Brussels | 138 m² | 1 · 94 m² | 17.7 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.190.809.732
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RYCKX - JEURIS
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Of 2,466 companies in sector 47279 we hold annual accounts for 942. 749 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2010
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.