ISIGMA
ActiveSummary
ISIGMA has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €388k and a net result of €12k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 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
Profitability49▼-50
Solvency96▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 3.11 in 2024; short-term debt: 29.1% and cash: 31.3% of total assets), and 29.1% 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○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 →
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
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
70.9%
Return on assets
2.1%
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
62 d early
2023
62 d early
2022
59 d early
2021
59 d early
2020
66 d early
2019
63 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€388k▼ 11.9%
2024 · €440k
2018: €196k
2019: €246k
2020: €310k
2021: €327k
2022: €362k
2023: €355k
2024: €440k
2018 → 2025
Total assets
€547k▼ 15.5%
2024 · €648k
2018: €227k
2019: €308k
2020: €370k
2021: €450k
2022: €526k
2023: €512k
2024: €648k
2018 → 2025
Net result
€12k▼ 92.6%
2024 · €155k
2018: €71k
2019: €69k
2020: €64k
2021: €62k
2022: €76k
2023: €63k
2024: €155k
2018 → 2025
Working capital
€361k▼ 17.5%
2024 · €437k
2018: €191k
2019: €241k
2020: €306k
2021: €325k
2022: €360k
2023: €352k
2024: €437k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€327k-€362k▲ 10.9%€355k▼ 2.1%€440k▲ 24.1%€388k▼ 11.9%
Operating result€92k-€111k▲ 20.3%€93k▼ 16.5%€219k▲ 136%€12k▼ 94.7%
Net result€62k-€76k▲ 22.8%€63k▼ 17.5%€155k▲ 146%€12k▼ 92.6%
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 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €547k
Fixed assets
€27k ▲ 807%
Current assets
€520k ▼ 19.3%
Equity and liabilities €547k
Equity
€388k ▼ 11.9%
Debt
€159k ▼ 23.1%
Debt's share of the balance-sheet total falls from 32.0% to 29.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€16k▼
2024 · €220k
Cash flow
€16k▼
2024 · €156k
Current ratio
3.26▲
2024 · 3.11
Debt to equity
0.41▼
2024 · 0.47
ROE
3.0%▼
2024 · 35.2%
ROA
2.1%▼
2024 · 23.9%
Interest coverage
3.26▼
2024 · 26.40
Debt ≤ 1 year
€159k▼
2024 · €207k
Income taxes
€5k▼
2024 · €67k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€648k€547k▼
Fixed assets21/28€3k€27k▲
Tangible fixed assets22/27€3k€27k▲
Plant, machinery and equipment23€124-
Furniture and vehicles24€3k€27k▲
Current assets29/58€645k€520k▼
Amounts receivable within one year40/41€464k€348k▼
Trade receivables40€214k€98k▼
Other amounts receivable41€250k€250k=
Cash at bank and in hand54/58€180k€171k▼
Deferred charges and accrued income490/1€688€1k▲
Equity and liabilities
Total equity and liabilities10/49€648k€547k▼
Equity10/15€440k€388k▼
Contributions10/11€12k€12k=
Reserves13€428k€375k▼
Distributable reserves133€428k€375k▼
Amounts payable17/49€207k€159k▼
Amounts payable within one year42/48€207k€159k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€33k€24k▼
Taxes450/3€33k€24k▼
Other amounts payable47/48€171k€133k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€5k▲
Other operating charges640/8€836€860▲
Gross operating margin9900€221k€17k▼
Operating profit (loss)9901€219k€12k▼
Financial income75/76B€12k€10k▼
Recurring financial income75€12k€10k▼
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€222k€17k▼
Income taxes67/77€67k€5k▼
Profit (loss) for the period9904€155k€12k▼
Profit (loss) for the period to be appropriated9905€155k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€155k€12k▼
Transfer from equity791/2€69k€64k▼
Transfer to equity691/2€155k€12k▼
To other reserves6921€155k€12k▼
Profit to be distributed694/7€69k€64k▼
Return on contributions (dividend)694€69k€64k▼
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €12k ▼92.6%
Net result drops to €12k, the lowest in the series.
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €155k ▲146%
Operating result €219k, net result €155k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
19-02
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €246k ▲25.6%
2 profitable years in a row build equity to €246k.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2015
04-08
State Gazette act
General meeting · Board meeting
Auditor reappointment · Director resignation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Erpe-Mere · 1 establishment unit since 1994
Ground area
4,817 m²
Building footprint
445 m²
Volume, LiDAR
3,102 m³
Parcel 41016B0210/00C000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Apolloniastraat 22, 9420 Erpe-Mere
since 19942.067.272.116
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016B0210/00C000 | Flanders | 4,817 m² | 1 · 445 m² | 12.0 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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
1 location
1 location
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 36,592 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
Founded09-06-1994
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
73300Public relations and communication consultancy
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.