ISO-SELECT EBVBA
ActiveISO-SELECT EBVBA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €19k and a net result of €-3k. Equity is growing by ~43.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability1▼-52
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 37.17 against 15.98 in 2023; short-term debt: 2.7% and cash: 2.5% of total assets), and 2.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
97.3%
Return on assets
-14.5%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-07-2025, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
15 d early
2023
13 d late
2022
33 d early
2021
13 d early
2020
18 d early
2019
37 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€19k▼ 13.0%
2023 · €21k
2018: €-25k
2019: €-20k
2020: €-4k
2021: €15k
2022: €20k
2023: €21k
2018 → 2024
Total assets
€19k▼ 16.2%
2023 · €23k
2018: €9k
2019: €18k
2020: €10k
2021: €23k
2022: €21k
2023: €23k
2018 → 2024
Net result
€-3k
2023 · €1k
2018: €-6k
2019: €6k
2020: €15k
2021: €19k
2022: €5k
2023: €1k
2018 → 2024
Working capital
€19k▼ 13.0%
2023 · €21k
2018: €-25k
2019: €-20k
2020: €-4k
2021: €15k
2022: €20k
2023: €21k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-4k-€15k€20k▲ 32.4%€21k▲ 7.1%€19k▼ 13.0%
Operating result€16k-€20k▲ 28.0%€6k▼ 70.4%€2k▼ 61.3%€-1k
Net result€15k-€19k▲ 27.0%€5k▼ 74.9%€1k▼ 71.1%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €1k after €2k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €19k
Equity
€19k▼ 13.0%
Debt
€513▼ 64.0%
The debt ratio falls from 6.3% to 2.7%. Equity and debt are lower.
Key figures and ratios
Solvency
97.3%▲
2023 · 93.7%
Current ratio
37.17▲
2023 · 15.98
Quick ratio
37.17▲
2023 · 15.98
Debt / equity
0.03▼
2023 · 0.07
ROE
-14.9%▼
2023 · 6.6%
ROA
-14.5%▼
2023 · 6.2%
Debt
€513▼
2023 · €1k
Debt ≤ 1 year
€513▼
2023 · €1k
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€23k€19k▼
Current assets29/58€23k€19k▼
Amounts receivable within one year40/41€19k€19k▼
Trade receivables40€19k€18k▼
Other amounts receivable41€334€398▲
Cash at bank and in hand54/58€4k€485▼
Equity and liabilities
Total equity and liabilities10/49€23k€19k▼
Equity10/15€21k€19k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€3k€-52▼
Amounts payable17/49€1k€513▼
Amounts payable within one year42/48€1k€513▼
Taxes, remuneration and social security45€1k€513▼
Taxes450/3€1k€513▼
Other amounts payable47/48€225-
Income statement
Code20232024
Other operating charges640/8€323€1k▲
Gross operating margin9900€3k€-198▼
Operating profit (loss)9901€2k€-1k▼
Financial charges65/66B€388€1k▲
Recurring financial charges65€388€1k▲
Profit (loss) for the period before taxes9903€2k€-3k▼
Income taxes67/77€513-
Profit (loss) for the period9904€1k€-3k▼
Profit (loss) for the period to be appropriated9905€1k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-52▼
Profit (loss) brought forward from the previous period14P€1k€3k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 37.17
Current ratio from 15.98 to 37.17; short-term debt falls from €1k to €513.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 14.58
Current ratio from 3.01 to 14.58; short-term debt falls from €7k to €1k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €19k ▲27%
Operating result €20k, net result €19k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 3.01
Current ratio from 0.70 to 3.01; short-term debt falls from €15k to €7k.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
22-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2011
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.
Passendalestraat 162600 AntwerpenGround area
232 m²
Building footprint
159 m²
Volume, LiDAR
1,061 m³
Parcel 11302A0070/00X024, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BABABOEM
since 20112.198.311.295
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302A0070/00X024 | Flanders | 232 m² | 1 · 159 m² | 8.3 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.
Similar companies · same sector, comparable size
Rekenaars
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SANTENS BART
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ALSOM
BE 0758.681.243
Tessenderlo-Ham · Eq €18k
Simons A Corporation
BE 0720.767.408
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PSL & CO
BE 0838.206.593
Lier · Eq €18k
Of 1,804 companies in sector 46831 we hold annual accounts for 1,398. 415 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-03-2011
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
46839Wholesale trade
46842Wholesale trade
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.