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ISMARA

Active
Private limited companyfounded 20224 yrs activeHertooiebos 22, 9052 Gent, BelgiumKBO/BCE: BE 0788.245.754
Summary

ISMARA has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22,615 and a net result of €14,189. Equity is growing by ~98.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 16718 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+22
Solvency100▲+17
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 3.03 against 1.74 in 2024; short-term debt: 20.2% and cash: 59.7% of total assets), and 20.2% of the assets are financed with debt.
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Signals

Four 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
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
79.8%
Return on assets
50.1%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
27 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
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 5 July 2022, ISMARA was incorporated as a Private limited company.1 Total assets went from EUR 24,125 in 2023 to EUR 28,324 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€22,615▲ 168%
2024 · €8,426
Total assets
€28,324▲ 95.1%
2024 · €14,517
Net result
€14,189▲ 507%
2024 · €2,339
Working capital
€11,590▲ 157%
2024 · €4,510
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result€7,589-€5,242▼ 30.9%€19,881▲ 279%
Net result€3,587below the sector's middle half-€2,339below the sector's middle half▼ 34.8%€14,189below the sector's middle half▲ 507%
Equity€6,087below the sector's middle half-€8,426below the sector's middle half▲ 38.4%€22,615below the sector's middle half▲ 168%
Total assets€24,125below the sector's middle half-€14,517below the sector's middle half▼ 39.8%€28,324below the sector's middle half▲ 95.1%
Debt€18,038-€6,092▼ 66.2%€5,709▼ 6.3%
Working capital€4,877-€4,510▼ 7.5%€11,590▲ 157%
Solvency25.2%below the sector's middle half-58.0%within the sector's middle half▲ 32.8pp79.8%within the sector's middle half▲ 21.8pp
above within below the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5,000€10,000€15,000€20,000Operating result 2023: €7,589€7,589Net result 2023: €3,587€3,587Operating result 2024: €5,242€5,242Net result 2024: €2,339€2,339Operating result 2025: €19,881€19,881Net result 2025: €14,189€14,189202320242025€0€5,000€10,000€15,000€20,000Operating result 2023: €7,589€7,590Net result 2023: €3,587€3,590Operating result 2024: €5,242€5,240Net result 2024: €2,339€2,340Operating result 2025: €19,881€19,900Net result 2025: €14,189€14,200202320242025
The operating result recovers in 2025; 2025 is 279% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28,324
Fixed assets €11,025 ▲ 182%
Current assets €17,299 ▲ 63.2%
Equity and liabilities €28,324
Equity €22,615 ▲ 168%
Debt €5,709 ▼ 6.3%
Debt's share of the balance-sheet total falls from 42.0% to 20.2%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€21,580▲
2024 · €6,238
Cash flow
€15,888▲
2024 · €3,334
Current ratio
3.03▲
2024 · 1.74
Debt to equity
0.25▼
2024 · 0.72
ROE
62.7%▲
2024 · 27.8%
ROA
50.1%▲
2024 · 16.1%
Interest coverage
15.68▲
2024 · 4.68
Debt ≤ 1 year
€5,709▼
2024 · €6,092
Income taxes
€4,316▲
2024 · €1,572
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

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

For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% 1.6%
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 74% 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 39,275 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 against 2024 · 37 lines
Balance sheet Code20242025
Assets
Total assets20/58€14,517€28,324▲
Fixed assets21/28€3,916€11,025▲
Tangible fixed assets22/27€2,866€11,025▲
Plant, machinery and equipment23€1,404€1,847▲
Furniture and vehicles24€1,462€1,069▼
Other tangible fixed assets26-€8,108
Financial fixed assets28€1,050-
Current assets29/58€10,602€17,299▲
Amounts receivable within one year40/41€4,050€393▼
Trade receivables40€4,050€393▼
Cash at bank and in hand54/58€6,027€16,906▲
Deferred charges and accrued income490/1€525-
Equity and liabilities
Total equity and liabilities10/49€14,517€28,324▲
Equity10/15€8,426€22,615▲
Contributions10/11€2,500€2,500=
Reserves13€5,926€20,115▲
Distributable reserves133€5,926€20,115▲
Amounts payable17/49€6,092€5,709▼
Amounts payable within one year42/48€6,092€5,709▼
Trade debts44€1,604€477▼
Suppliers440/4€1,604€477▼
Taxes, remuneration and social security45€1,572€4,316▲
Taxes450/3€1,572€4,316▲
Other amounts payable47/48€2,916€916▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€995€1,699▲
Other operating charges640/8€1,500€1,153▼
Gross operating margin9900€7,738€22,733▲
Operating profit (loss)9901€5,242€19,881▲
Financial charges65/66B€1,332€1,377▲
Recurring financial charges65€1,332€1,377▲
Profit (loss) for the period before taxes9903€3,910€18,505▲
Income taxes67/77€1,572€4,316▲
Profit (loss) for the period9904€2,339€14,189▲
Profit (loss) for the period to be appropriated9905€2,339€14,189▲
Appropriation of the result
Profit (loss) to be appropriated9906€2,339€14,189▲
Transfer to equity691/2€2,339€14,189▲
To other reserves6921€2,339€14,189▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€119€995€1,699▲ 70.7%
Other operating charges640/8€738€1,500€1,153▼ 23.2%
Gross operating margin9900€8,445€7,738€22,733▲ 194%
Operating profit (loss)9901€7,589€5,242€19,881▲ 279%
Financial charges65/66B€82€1,332€1,377▲ 3.4%
Recurring financial charges65€82€1,332€1,377▲ 3.4%
Profit (loss) for the period before taxes9903€7,507€3,910€18,505▲ 373%
Income taxes67/77€3,920€1,572€4,316▲ 175%
Profit (loss) for the period9904€3,587€2,339€14,189▲ 507%
Profit (loss) for the period to be appropriated9905€3,587€2,339€14,189▲ 507%
Line202320242025Change
Assets
Total assets20/58€24,125€14,517€28,324▲ 95.1%
Fixed assets21/28€1,210€3,916€11,025▲ 182%
Tangible fixed assets22/27€1,210€2,866€11,025▲ 285%
Plant, machinery and equipment23€1,210€1,404€1,847▲ 31.6%
Furniture and vehicles24€0€1,462€1,069▼ 26.8%
Other tangible fixed assets26--€8,108-
Financial fixed assets28-€1,050--
Current assets29/58€22,914€10,602€17,299▲ 63.2%
Amounts receivable within one year40/41-€4,050€393▼ 90.3%
Trade receivables40-€4,050€393▼ 90.3%
Cash at bank and in hand54/58€20,069€6,027€16,906▲ 181%
Deferred charges and accrued income490/1€2,845€525--
Equity and liabilities
Total equity and liabilities10/49€24,125€14,517€28,324▲ 95.1%
Equity10/15€6,087€8,426€22,615▲ 168%
Contributions10/11€2,500€2,500€2,500=
Reserves13€3,587€5,926€20,115▲ 239%
Distributable reserves133€3,587€5,926€20,115▲ 239%
Amounts payable17/49€18,038€6,092€5,709▼ 6.3%
Amounts payable within one year42/48€18,038€6,092€5,709▼ 6.3%
Trade debts44€11,117€1,604€477▼ 70.3%
Suppliers440/4€11,117€1,604€477▼ 70.3%
Taxes, remuneration and social security45€3,920€1,572€4,316▲ 175%
Taxes450/3€3,920€1,572€4,316▲ 175%
Other amounts payable47/48€3,001€2,916€916▼ 68.6%
Line202320242025Change
Profit (loss) for the period9904€3,587€2,339€14,189▲ 507%
+ Depreciation and write-downs630€119€995€1,699▲ 70.7%
Operating cash flow (approximation)€3,706€3,334€15,888▲ 377%
Investment in fixed assets (approximation)--€3,701-€8,808▼ 138%
Change in cash--€14,042€10,879▲ 177%

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

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Highest result since 2023net €14,189 ▲507%
Operating result €19,881, net result €14,189, both a record.
31-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet €2,339 ▼34.8%
Net result drops to €2,339, the lowest in the series; recovery starts the following year.
27-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Gent · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
478 m²
Building footprint
190 m²
Volume, LiDAR
1,080 m³
Parcel 44082B0061/00P003, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISMARA
Hertooiebos 22, 9052 GentBusiness consulting
since 20222.333.959.164
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44082B0061/00P003 Flanders 478 m² 1 · 190 m² 11.2 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 10,437 companies in sector 86995 we hold annual accounts for 886. 605 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
Founded05-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
86995Nutrition and dietetics services
70200Business and other management consultancy
74301Translation services
85599Other education
86931Psychology services
Contact
E-mail info@ismara.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:0788245754
Registered 01-01-2026

Register as of 27 September 2026 · Peppol Directory

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