GREATTI ISABELLE

Active

Private limited companyfounded 200719 yrs activeRue du Carrefour 142, 4101 Seraing, BelgiumKBO/BCE: BE 0888.728.648

GREATTI ISABELLE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €75k and a net result of €7k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 1247 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).

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Checked score

Score 2024

75 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability57▼-19

Solvency69▲+8

Growth52=

Track record100

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity short (current ratio 0.14 against 0.15 in 2023; short-term debt: 39.2% of total assets), and 55.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

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

Sector 86

lower

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

44.5%

Return on assets

4.1%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

31 d early

2023

14 d early

2022

27 d early

2021

24 d early

2020

123 d early

2019

8 d early

← before the deadline after the deadline →

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

Financials · fiscal year 2024, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€7k▼ 40.0%

2023 · €12k

2018: €12k 2019: €15k 2020: €814 2021: €61 2022: €12k 2023: €12k

2018 → 2024

Working capital

€-57k▲ 19.2%

2023 · €-71k

2018: €-33k 2019: €-47k 2020: €-61k 2021: €-76k 2022: €-74k 2023: €-71k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€45k-€45k▲ 0.1%€57k▲ 26.0%€68k▲ 20.3%€75k▲ 10.1%

Operating result€5k-€6k▲ 17.7%€23k▲ 276%€20k▼ 12.4%€17k▼ 18.2%

Net result€814-€61▼ 92.5%€12k▲ 19,134%€12k▼ 1.7%€7k▼ 40.0%

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2024 is 18% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €169k

94.4%

Fixed assets €160k▼ 8.5%

Current assets €9k▼ 25.2%

Equity and liabilities €169k

44.5%

55.5%

Equity €75k▲ 10.1%

Debt €94k▼ 20.9%

The debt ratio falls from 63.5% to 55.5%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€31k▼

2023 · €36k

Cash flow

€22k▼

2023 · €27k

Solvency

44.5%▲

2023 · 36.5%

Current ratio

0.14▼

2023 · 0.15

Quick ratio

0.14▼

2023 · 0.15

Debt / equity

1.25▼

2023 · 1.74

ROE

9.2%▼

2023 · 16.9%

ROA

4.1%▼

2023 · 6.2%

Interest coverage

3.99▼

2023 · 7.59

Debt

€94k▼

2023 · €119k

Debt ≤ 1 year

€66k▼

2023 · €83k

Debt > 1 year

€28k▼

2023 · €36k

Income taxes

€2k▼

2023 · €4k

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€187k€169k▼

Fixed assets21/28€175k€160k▼

Tangible fixed assets22/27€175k€160k▼

Land and buildings22€157k€145k▼

Plant, machinery and equipment23€10k€9k▼

Furniture and vehicles24€8k€6k▼

Financial fixed assets28€75€75=

Current assets29/58€13k€9k▼

Amounts receivable within one year40/41€9k€7k▼

Other amounts receivable41€9k€7k▼

Deferred charges and accrued income490/1€4k€3k▼

Equity and liabilities

Total equity and liabilities10/49€187k€169k▼

Equity10/15€68k€75k▲

Contributions10/11€19k€19k=

Reserves13€25k€32k▲

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€23k€30k▲

Profit (loss) carried forward14€25k€25k=

Amounts payable17/49€119k€94k▼

Amounts payable after more than one year17€36k€28k▼

Financial debts170/4€36k€28k▼

Amounts payable within one year42/48€83k€66k▼

Current portion of amounts payable after more than one year42€17k€8k▼

Financial debts43€11k€6k▼

Credit institutions430/8€11k€3k▼

Other loans439-€3k

Trade debts44€4k€4k▲

Suppliers440/4€4k€4k▲

Taxes, remuneration and social security45€5k€1k▼

Taxes450/3€5k€1k▼

Other amounts payable47/48€46k€47k▲

Income statement Code20232024

Non-recurring operating income76A€7k-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼

Other operating charges640/8€3k€3k▼

Gross operating margin9900€39k€34k▼

Operating profit (loss)9901€20k€17k▼

Financial income75/76B€0€0▲

Recurring financial income75€0€0▲

Financial charges65/66B€5k€8k▲

Recurring financial charges65€5k€8k▲

Profit (loss) for the period before taxes9903€16k€9k▼

Income taxes67/77€4k€2k▼

Profit (loss) for the period9904€12k€7k▼

Profit (loss) for the period to be appropriated9905€12k€7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€36k€32k▼

Profit (loss) brought forward from the previous period14P€25k€25k=

Transfer to equity691/2€12k€7k▼

To other reserves6921€12k€7k▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

2025

30-06

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

17-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

04-07

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

07-07

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-12

Financial Weakest financial yearnet €61 ▼92.5%

Net result drops to €61, the lowest in the series; recovery starts the following year.

30-03

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

23-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Highest result since 2018net €15k ▲22.4%

Operating result €24k, net result €15k, both a record.

26-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

22-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

15-05

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

03-06

NBB filing Annual accounts filed

fiscal year 2015 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 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, Seraing · 1 establishment unit since 2007

establishment approximate The establishment unit on the map

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.

Rue du Carrefour 1424101 Seraing

Ground area

307 m²

Building footprint

21 m²

Volume, LiDAR

33 m³

Parcel 62058B0093/00X002, Wallonia · tallest building 1.9 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Rue du Carrefour 142, 4101 Seraing

NACE 85143

since 20072.315.987.539

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62058B0093/00X002	Wallonia	307 m²	1 · 21 m²	1.9 m · 1 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

NURSING FOR U

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La Vita Nova vroedvrouw

BE 1013.125.705

Oud-Turnhout · Eq €75k

Sint-Gillis-Waas · Eq €75k

Of 5,984 companies in sector 86940 we hold annual accounts for 1,809. 1,565 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-04-2007

Fiscal year end31-12

Activities, NACEBEL

86906Human health activities

86940Nursing and midwifery

Sources

Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.