STROEF ISABELLE
ActiveSTROEF ISABELLE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €58k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-1
Solvency98=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 10.15 in 2024), and 42.2% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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 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
57.8%
Return on assets
3.1%
Age of the figures
8 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 29-07-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
19 d early
2023
3 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.09M▲ 5.6%
2024 · €1.03M
2023: €975k
2024: €1.03M
2023 → 2025
Total assets
€1.88M▲ 3.6%
2024 · €1.82M
2023: €1.73M
2024: €1.82M
2023 → 2025
Net result
€58k▲ 1.4%
2024 · €57k
2023: €75k
2024: €57k
2023 → 2025
Working capital
€122k▼ 75.8%
2024 · €503k
2023: €23k
2024: €503k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€975k-€1.03M▲ 5.8%€1.09M▲ 5.6%
Operating result€152k-€138k▼ 9.0%€127k▼ 8.4%
Net result€75k-€57k▼ 23.9%€58k▲ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 8% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.88M
Fixed assets
€1.69M▲ 34.2%
Current assets
€194k▼ 65.3%
Equity and liabilities €1.88M
Equity
€1.09M▲ 5.6%
Debt
€795k▲ 1.1%
The debt ratio falls from 43.3% to 42.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€127k▼
2024 · €180k
Cash flow
€59k▼
2024 · €99k
Solvency
57.8%▲
2024 · 56.7%
Current ratio
2.68▼
2024 · 10.15
Quick ratio
2.68▼
2024 · 10.15
Debt / equity
0.73▼
2024 · 0.76
ROE
5.3%▼
2024 · 5.5%
ROA
3.1%▼
2024 · 3.1%
Interest coverage
2.58▼
2024 · 3.23
Debt
€795k▲
2024 · €786k
Debt ≤ 1 year
€72k▲
2024 · €55k
Debt > 1 year
€723k▼
2024 · €731k
Income taxes
€28k▲
2024 · €27k
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€1.82M€1.88M▲
Fixed assets21/28€1.26M€1.69M▲
Tangible fixed assets22/27€1.26M€1.69M▲
Land and buildings22€1.26M€1.69M▲
Furniture and vehicles24€592€2k▲
Current assets29/58€558k€194k▼
Amounts receivable within one year40/41€27k€12k▼
Trade receivables40€18k€12k▼
Other amounts receivable41€8k-
Current investments50/53€444k€64k▼
Cash at bank and in hand54/58€23k€115k▲
Deferred charges and accrued income490/1€64k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.82M€1.88M▲
Equity10/15€1.03M€1.09M▲
Contributions10/11€900k€900k=
Reserves13€132k€190k▲
Distributable reserves133€132k€190k▲
Amounts payable17/49€786k€795k▲
Amounts payable after more than one year17€731k€723k▼
Other amounts payable178/9€731k€723k▼
Amounts payable within one year42/48€55k€72k▲
Trade debts44€856€690▼
Suppliers440/4€856€690▼
Taxes, remuneration and social security45€54k€72k▲
Taxes450/3€54k€72k▲
Income statement
Code20242025
Non-recurring operating income76A€61k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€805▼
Other operating charges640/8€3k€144▼
Non-recurring operating charges66A€11k-
Gross operating margin9900€194k€127k▼
Operating profit (loss)9901€138k€127k▼
Financial income75/76B€2k€9k▲
Recurring financial income75€2k€9k▲
Financial charges65/66B€56k€49k▼
Recurring financial charges65€56k€49k▼
Profit (loss) for the period before taxes9903€84k€86k▲
Income taxes67/77€27k€28k▲
Profit (loss) for the period9904€57k€58k▲
Profit (loss) for the period to be appropriated9905€57k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€58k▲
Transfer to equity691/2€57k€58k▲
To other reserves6921€57k€58k▲
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €57k ▼23.9%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 10.15
Current ratio from 1.65 to 10.15.
31-12
Financial
Equity above €1MEq €1.03M ▲5.8%
2 profitable years in a row build equity to €1.03M.
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, De Haan · 1 establishment unit since 2022
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.
Warvinge 1178421 De HaanGround area
7,807 m²
Building footprint
811 m²
Volume, LiDAR
5,159 m³
Parcel 35021B0444/00C000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STROEF ISABELLE
since 20222.337.217.374
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35021B0444/00C000 | Flanders | 7,807 m² | 1 · 811 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 494 EUR awarded · 494 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 60 EUR | 60 EUR |
| 2024 | 1 | 165 EUR | 165 EUR |
| 2023 | 1 | 269 EUR | 269 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500CIOJVXH9BKP766
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 4,268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2022
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.