ISYBEL
ActiveISYBEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €89k and a net result of €4k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 7962 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-04-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
1 d early
2023
31 d early
2022
on the day
2021
51 d early
2020
52 d early
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▲ 4.1%
2024 · €86k
2018: €28k
2019: €36k
2020: €58k
2021: €63k
2022: €69k
2023: €76k
2024: €86k
2018 → 2025
Net result
€4k▼ 64.9%
2024 · €10k
2018: €37k
2019: €9k
2020: €21k
2021: €6k
2022: €5k
2023: €7k
2024: €10k
2018 → 2025
Total assets
€155k▲ 18.0%
2024 · €131k
2018: €44k
2019: €54k
2020: €77k
2021: €92k
2022: €89k
2023: €91k
2024: €131k
2018 → 2025
Solvency
57.6%▼ 7.7pp
2024 · 65.3%
2018: 62.9%
2019: 68.0%
2020: 75.4%
2021: 68.7%
2022: 76.9%
2023: 83.4%
2024: 65.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€69k▲ 8.6%€76k▲ 10.1%€86k▲ 13.2%€89k▲ 4.1%
Operating result€6k-€10k▲ 62.3%€11k▲ 10.4%€13k▲ 15.9%€8k▼ 41.5%
Net result€6k-€5k▼ 1.6%€7k▲ 27.5%€10k▲ 44.4%€4k▼ 64.9%
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 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€78k=
Current assets
€77k▲ 44.1%
Equity and liabilities €155k
Equity
€89k▲ 4.1%
Debt
€66k▲ 44.3%
The debt ratio rises from 34.7% to 42.4%: debt grows faster than equity.
Key figures and ratios
Solvency
57.6%▼
2024 · 65.3%
ROE
3.9%▼
2024 · 11.7%
ROA
2.3%▼
2024 · 7.6%
Debt
€66k▲
2024 · €45k
Debt ≤ 1 year
€66k▲
2024 · €45k
Income taxes
€2k▼
2024 · €2k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€131k€155k▲
Fixed assets21/28€78k€78k=
Financial fixed assets28€78k€78k=
Current assets29/58€54k€77k▲
Amounts receivable within one year40/41€51k€76k▲
Trade receivables40€24k€5k▼
Other amounts receivable41€28k€71k▲
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€267€294▲
Equity and liabilities
Total equity and liabilities10/49€131k€155k▲
Equity10/15€86k€89k▲
Contributions10/11€120k€120k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€-40k€-36k▲
Amounts payable17/49€45k€66k▲
Amounts payable within one year42/48€45k€66k▲
Current portion of amounts payable after more than one year42€2k€2k▼
Financial debts43€25k€25k=
Credit institutions430/8€25k€25k=
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€15k€36k▲
Income statement
Code20242025
Other operating charges640/8€2k€1k▼
Gross operating margin9900€14k€9k▼
Operating profit (loss)9901€13k€8k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€702€2k▲
Recurring financial charges65€702€2k▲
Profit (loss) for the period before taxes9903€12k€6k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€10k€4k▼
Profit (loss) for the period to be appropriated9905€10k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-36k▲
Profit (loss) brought forward from the previous period14P€-50k€-40k▲
The notes to these accounts (6 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
11-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €4k ▼64.9%
Net result drops to €4k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Izegem · 1 establishment unit since 1998
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.
Burgemeester Vandenbogaerdelaan 388870 IzegemGround area
153 m²
Building footprint
214 m²
Volume, LiDAR
1,512 m³
Parcel 36494D1126/00A007, Flanders · tallest building 15.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISYBEL
since 19982.085.175.247
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494D1126/00A007 | Flanders | 153 m² | 1 · 214 m² | 15.8 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.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 12,010 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-1998
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.