ONDERNEMING ISABELLE HOSTE
ActiveONDERNEMING ISABELLE HOSTE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €-24k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-63
Solvency44▼-13
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.44 against 1.77 in 2024; short-term debt: 66.1% and cash: 0.3% of total assets), and 81% 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
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 · 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 →
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 2025Solvency, return and age of the figures
Solvency
19%
Return on assets
-14%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
30 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
98 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▼ 42.5%
2024 · €56k
2018: €36k
2019: €33k
2020: €22k
2021: €33k
2022: €58k
2023: €40k
2024: €56k
2018 → 2025
Total assets
€168k▼ 3.1%
2024 · €174k
2018: €107k
2019: €143k
2020: €152k
2021: €166k
2022: €183k
2023: €174k
2024: €174k
2018 → 2025
Net result
€-24k
2024 · €15k
2018: €1k
2019: €-3k
2020: €-11k
2021: €11k
2022: €24k
2023: €-17k
2024: €15k
2018 → 2025
Working capital
€48k▼ 32.5%
2024 · €72k
2018: €26k
2019: €51k
2020: €40k
2021: €47k
2022: €70k
2023: €52k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€58k▲ 72.6%€40k▼ 30.0%€56k▲ 37.9%€32k▼ 42.5%
Operating result€16k-€30k▲ 81.5%€-12k€22k€-17k
Net result€11k-€24k▲ 111%€-17k€15k€-24k
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 2025: a loss of €17k after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€8k▼ 2.8%
Current assets
€160k▼ 3.2%
Equity and liabilities €168k
Equity
€32k▼ 42.5%
Debt
€136k▲ 15.3%
The debt ratio rises from 68.0% to 81.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-17k▼
2024 · €27k
Cash flow
€-23k▼
2024 · €20k
Solvency
19.0%▼
2024 · 32.0%
Current ratio
1.44▼
2024 · 1.77
Quick ratio
0.03▼
2024 · 0.07
Debt / equity
4.26▲
2024 · 2.13
ROE
-73.8%▼
2024 · 27.5%
ROA
-14.0%▼
2024 · 8.8%
Interest coverage
-2.48▼
2024 · 4.10
Debt
€136k▲
2024 · €118k
Debt ≤ 1 year
€111k▲
2024 · €93k
Debt > 1 year
€25k=
2024 · €25k
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€174k€168k▼
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€2k€2k▼
Land and buildings22€2k€2k▼
Financial fixed assets28€7k€7k=
Current assets29/58€165k€160k▼
Stocks and contracts in progress3€159k€156k▼
Stocks30/36€159k€156k▼
Amounts receivable within one year40/41€44€3k▲
Trade receivables40-€3k
Other amounts receivable41€44€47▲
Cash at bank and in hand54/58€5k€550▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€174k€168k▼
Equity10/15€56k€32k▼
Contributions10/11€25k€25k=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€-4k€-28k▼
Amounts payable17/49€118k€136k▲
Amounts payable after more than one year17€25k€25k=
Financial debts170/4€25k€25k=
Amounts payable within one year42/48€93k€111k▲
Financial debts43€25k€26k▲
Credit institutions430/8€25k€26k▲
Trade debts44€43k€48k▲
Suppliers440/4€43k€48k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€19k€31k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€244▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€28k€-15k▼
Operating profit (loss)9901€22k€-17k▼
Financial income75/76B€54€413▲
Recurring financial income75€54€413▲
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€15k€-24k▼
Profit (loss) for the period9904€15k€-24k▼
Profit (loss) for the period to be appropriated9905€15k€-24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-28k▼
Profit (loss) brought forward from the previous period14P€-20k€-4k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-24k ▼254%
Net result drops to €-24k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2018net €24k ▲111%
Operating result €30k, net result €24k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 363 days late
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Wevelgem · 1 establishment unit since 1995
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.
Kortrijkstraat 28560 WevelgemGround area
210 m²
Building footprint
210 m²
Volume, LiDAR
1,494 m³
Parcel 34041C0443/00R000, Flanders · tallest building 14.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BO-SUNCENTER
since 19952.070.462.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34041C0443/00R000 | Flanders | 210 m² | 1 · 210 m² | 13.9 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
M.E.R.E.L.
BE 0835.574.133
Heist-op-den-Berg · Eq €32k
GLOREA
BE 0426.222.750
Elsene · Eq €32k
ADIS BEAUTY
BE 0559.850.346
Mons · Eq €32k
SLDR CONCEPT
BE 0798.648.708
Sint-Lambrechts-Woluwe · Eq €32k
FABOZ
BE 0793.800.488
Temse · Eq €32k
Of 2,072 companies in sector 47750 we hold annual accounts for 518. 400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-1995
Fiscal year end31-12
Activities, NACEBEL
47750Retail sale of cosmetics and toilet articles
93022
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.