Skip to content

ISABEL

Active
Public limited companyfounded 199531 yrs activeSinter-Goedeleplein 14, 1000 Brussel, BelgiumKBO/BCE: BE 0455.530.509
Summary

ISABEL has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73.54M and a net result of €13.22M. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 1416 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
76 / 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+46
Solvency68▲+6
Growth66=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity ample (current ratio 1.67 against 1.55 in 2024; short-term debt: 56% and cash: 15.7% of total assets), but 56.9% 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 riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
43.1%
Return on assets
7.8%
Age of the figures
9 mo
lowers risk · 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
highest failure risk from 2 to 8 years 31 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 27-05-2026, 65 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
65 d early
2024
69 d early
2023
65 d early
2022
67 d early
2021
73 d early
← before the deadline after the deadline →
Checked, nothing found (2)
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 months
Position in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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 2025, full schema, statutory accounts

Turnover
€68.47M▲ 5.2%
2024 · €65.09M
2018: €54.91M 2019: €55.99M 2020: €56.42M 2021: €58.28M 2022: €59.29M 2023: €64.83M 2024: €65.09M
2018 → 2025
EBIT margin
19.4%▲ 22.1pp
2024 · -2.7%
2018: 22.7% 2019: 21.4% 2020: 19.7% 2021: 24.0% 2022: 20.6% 2023: 28.1% 2024: -2.7%
2018 → 2025
Net result
€13.22M▼ 95.7%
2024 · €310.06M
2018: €8.55M 2019: €8.16M 2020: €8.08M 2021: €10.24M 2022: €8.75M 2023: €13.89M 2024: €310.06M
2018 → 2025
Working capital
€63.59M▼ 52.9%
2024 · €135.05M
2018: €10.53M 2019: €18.32M 2020: €26.46M 2021: €25.55M 2022: €30.52M 2023: €40.34M 2024: €135.05M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€58.28M-€59.29M▲ 1.7%€64.83M▲ 9.3%€65.09M▲ 0.4%€68.47M▲ 5.2%
Equity€57.62M-€66.37M▲ 15.2%€80.26M▲ 20.9%€145.32M▲ 81.1%€73.54M▼ 49.4%
Operating result€14.00M-€12.21M▼ 12.8%€18.21M▲ 49.1%€-1.73M€13.28M
Net result€10.24M-€8.75M▼ 14.6%€13.89M▲ 58.8%€310.06M▲ 2,132%€13.22M▼ 95.7%
Result per fiscal year
Operating resultNet result
€-100.00M€0€100.00M€200.00M€300.00MOperating result 2021: €14.00M€14.00MNet result 2021: €10.24M€10.24MOperating result 2022: €12.21M€12.21MNet result 2022: €8.75M€8.75MOperating result 2023: €18.21M€18.21MNet result 2023: €13.89M€13.89MOperating result 2024: €-1.73M€-1.73MNet result 2024: €310.06M€310.06MOperating result 2025: €13.28M€13.28MNet result 2025: €13.22M€13.22M20212022202320242025€-100M€0€100M€200M€300MOperating result 2023: €18.21M€18MNet result 2023: €13.89M€14MOperating result 2024: €-1.73M€-1.7MNet result 2024: €310.06M€310MOperating result 2025: €13.28M€13MNet result 2025: €13.22M€13M202320242025
The operating result returns to profit in 2025: €13.28M after a loss of €1.73M in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170.49M
Fixed assets €11.36M ▲ 0.2%
Current assets €159.13M ▼ 58.1%
Equity and liabilities €170.49M
Equity €73.54M ▼ 49.4%
Provisions €1.40M ▲ 32.9%
Debt €95.55M ▼ 61.0%
Debt's share of the balance-sheet total falls from 62.6% to 56.0%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€14.90M
2024 · €-109k
Cash flow
€14.84M
2024 · €311.68M
Current ratio
1.67
2024 · 1.55
Quick ratio
1.66
2024 · 1.55
Debt to equity
1.30
2024 · 1.68
ROE
18.0%
2024 · 213.4%
ROA
7.8%
2024 · 79.3%
Interest coverage
136.59
2024 · -1.17
Debt ≤ 1 year
€95.54M
2024 · €244.82M
Income taxes
€4.90M
2024 · €4.66M
Staff costs
€22.43M
2024 · €20.95M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 82 lines
Balance sheet Code20242025
Assets
Total assets20/58€391.20M€170.49M
Fixed assets21/28€11.34M€11.36M
Intangible fixed assets21€579k€459k
Tangible fixed assets22/27€2.01M€1.98M
Furniture and vehicles24€2.01M€1.93M
Assets under construction and advance payments27-€45k
Financial fixed assets28€8.75M€8.92M
Affiliated companies280/1€8.68M€8.86M
Participating interests280€6.82M€6.94M
Amounts receivable281€1.86M€1.92M
Other financial fixed assets284/8€64k€63k
Amounts receivable and cash guarantees285/8€64k€63k
Current assets29/58€379.87M€159.13M
Stocks and contracts in progress3€881k€934k
Stocks30/36€881k€934k
Goods purchased for resale34€881k€934k
Amounts receivable within one year40/41€6.77M€7.73M
Trade receivables40€6.45M€7.54M
Other amounts receivable41€324k€194k
Current investments50/53€340.00M€120.00M
Other investments51/53€340.00M€120.00M
Cash at bank and in hand54/58€29.82M€26.78M
Deferred charges and accrued income490/1€2.40M€3.68M
Equity and liabilities
Total equity and liabilities10/49€391.20M€170.49M
Equity10/15€145.32M€73.54M
Contributions10/11€3.20M€3.20M=
Capital10€3.20M€3.20M=
Issued capital100€3.20M€3.20M=
Reserves13€7.08M€7.08M=
Non-distributable reserves130/1€321k€321k=
Legal reserve130€321k€321k=
Distributable reserves133€6.76M€6.76M=
Profit (loss) carried forward14€135.05M€63.26M
Provisions and deferred taxes16€1.05M€1.40M
Provisions for liabilities and charges160/5€1.05M€1.40M
Pensions and similar obligations160€294k€351k
Other liabilities and charges164/5€759k€1.05M
Amounts payable17/49€244.83M€95.55M
Amounts payable within one year42/48€244.82M€95.54M
Trade debts44€4.32M€4.40M
Suppliers440/4€4.32M€4.40M
Taxes, remuneration and social security45€5.24M€5.88M
Taxes450/3€567k€664k
Remuneration and social security454/9€4.68M€5.21M
Other amounts payable47/48€235.26M€85.26M
Accrued charges and deferred income492/3€6k€14k
Income statement Code20242025
Operating income70/76A€71.51M€72.26M
Turnover70€65.09M€68.47M
Other operating income74€6.42M€3.78M
Operating charges60/66A€73.24M€58.97M
Goods for resale, raw materials and consumables60€1.10M€565k
Purchases600/8€396k€619k
Change in stocks: decrease (increase)609€707k€-54k
Services and other goods61€49.31M€33.91M
Remuneration, social security and pensions62€20.95M€22.43M
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.62M€1.62M
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-6k€-2k
Provisions for liabilities and charges: additions (uses and reversals)635/8€225k€346k
Other operating charges640/8€44k€101k
Operating profit (loss)9901€-1.73M€13.28M
Financial income75/76B€322.67M€5.00M
Recurring financial income75€3.27M€5.00M
Income from financial fixed assets750€104k€109k
Income from current assets751€3.16M€4.88M
Other financial income752/9€978€2k
Non-recurring financial income76B€319.40M-
Financial charges65/66B€6.22M€157k
Recurring financial charges65€120k€157k
Debt charges650€92k€109k
Other financial charges652/9€28k€47k
Non-recurring financial charges66B€6.10M-
Profit (loss) for the period before taxes9903€314.72M€18.12M
Income taxes67/77€4.66M€4.90M
Taxes670/3€4.73M€4.90M
Tax adjustments and reversals of tax provisions77€73k-
Profit (loss) for the period9904€310.06M€13.22M
Profit (loss) for the period to be appropriated9905€310.06M€13.22M
Appropriation of the result
Profit (loss) to be appropriated9906€380.05M€148.26M
Profit (loss) brought forward from the previous period14P€69.98M€135.05M
Profit to be distributed694/7€245.00M€85.00M
Return on contributions (dividend)694€245.00M€85.00M
Social balance
Average headcount (FTE)9087136.3151.6

The notes to these accounts (76 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-07
State Gazette act Registered office
Registered-office move · Establishment closure3 facts ▸
  • Board meeting, 03/07/2026
  • Registered-office move, Sinter-Goedeleplein 14, 1000 Brussel
  • Establishment closure, Keizerinlaan 13-15, 1000 Brussel, 01/10/2026
02-06
State Gazette act Resignations: Maarten Van Royen, Bram Somers and Frank Stockx
Appointments: Mario De Vry (director) and Lieve De Mol (director) · Power of attorney15 facts ▸
  • General meeting, 21-04-2026
  • Director resignation, Maarten Van Royen (director)
  • Director resignation, Bram Somers (director and chair of the board)
  • Director appointment, Mario De Vry (director)
  • Director appointment, Lieve De Mol (director)
  • Director resignation, Frank Stockx (director)
  • Board composition, François Franssen (director)
  • Board composition, Alessandra Guion (extern bestuurder)
  • Board composition, Tom Swerts (director)
  • Board composition, Filip Rombouts (director)
  • Board composition, Kris De Ryck (managing director)
  • Board composition, Mario De Vry (director)
  • +3 further facts in this act
27-05
NBB filing Annual accounts filed
fiscal year 2025 · full schema
27-05
NBB filing Annual accounts filed
fiscal year 2025 · consolidated
03-03
State Gazette act Miscellaneous
Correction1 fact ▸
  • Correction, Correctie naam gedelegeerde bestuurder in publicatie van 30/10/2025 (nr 25137708)
2025
30-10
State Gazette act Resignations & appointments
Power of attorney2 facts ▸
  • Board meeting, 10/10/2025
  • Power of attorney, Kris De Rijck
20-06
State Gazette act Appointments: PricewaterhouseCoopers- Bedrijfsrevisoren BV, Alessandra Guion and 7 others
Permanent representative: Jeroen Bockaert · Auditor fee approval12 facts ▸
  • General meeting, 07/05/2025
  • Auditor appointment, PricewaterhouseCoopers- Bedrijfsrevisoren BV (statutory auditor)
  • Permanent representative, Jeroen Bockaert
  • Director appointment, Alessandra Guion (extern bestuurder)
  • Director appointment, Bram Somers (director and chair of the board)
  • Director appointment, Filip Rombouts (director)
  • Director appointment, Maarten Van Royen (director)
  • Director appointment, François Franssen (director)
  • Director appointment, Tom Swerts (director)
  • Director appointment, Frank Stockx (extern bestuurder)
  • Director appointment, Kris De Ryck (managing director)
  • Auditor fee approval
23-05
NBB filing Annual accounts filed
fiscal year 2024 · full schema
23-05
NBB filing Annual accounts filed
fiscal year 2024 · consolidated
2024
31-12
Financial Highest result since 2018net €310.06M ▲2132%
Net result €310.06M, the highest in the series.
31-12
Financial Equity above €100MEq €145.32M ▲81.1%
7 profitable years in a row build equity to €145.32M.
04-12
State Gazette act Appointment: Alessandra Guion (externe bestuurder)
2 facts ▸
  • General meeting
  • Director appointment, Alessandra Guion (externe bestuurder)
Show earlier events
16-07
State Gazette act Appointment: Tom Swerts (director)
Resignations: Bart De Rauw, Michel Akkermans and Martin Servais5 facts ▸
  • General meeting, 12/04/2024
  • Director appointment, Tom Swerts (director)
  • Director resignation, Bart De Rauw (director)
  • Director resignation, Michel Akkermans (extern bestuurder)
  • Director resignation, Martin Servais (extern bestuurder)
27-05
NBB filing Annual accounts filed
fiscal year 2023 · full schema
27-05
NBB filing Annual accounts filed
fiscal year 2023 · consolidated
2023
11-10
State Gazette act Resignation: Jean de Crane (bestuurder en als gedelegeerd bestuurder belast met dagelijks bestuur)
Appointment: Kris De Ryck (director)3 facts ▸
  • Director resignation, Jean de Crane (bestuurder en als gedelegeerd bestuurder belast met dagelijks bestuur)
  • Director appointment, Kris De Ryck (director)
  • Director appointment, Kris De Ryck (gedelegeerd bestuurder belast met het dagelijks bestuur)
25-05
NBB filing Annual accounts filed
fiscal year 2022 · full schema
25-05
NBB filing Annual accounts filed
fiscal year 2022 · consolidated
12-05
State Gazette act Resignations: François Franssen (gecoöpteerd bestuurder) and Bram Somers (gecoöpteerd bestuurder)
Appointments: François Franssen (director) and Bram Somers (director) · Reappointment: Filip Rombouts (director)5 facts ▸
  • Director resignation, François Franssen (gecoöpteerd bestuurder)
  • Director appointment, François Franssen (director)
  • Director resignation, Bram Somers (gecoöpteerd bestuurder)
  • Director appointment, Bram Somers (director)
  • Director reappointment, Filip Rombouts (director)
2022
30-08
State Gazette act Resignations: Erik Luts, Michel Anseeuw and 5 others
Appointments: Dirk Ector, Maarten Van Royen and 3 others · Reappointment: Frank Stockx (extern bestuurder)15 facts ▸
  • General meeting, 05/05/2021
  • Director resignation, Erik Luts (director)
  • Director resignation, Michel Anseeuw (director)
  • Director appointment, Dirk Ector (director)
  • General meeting, 04/05/2022
  • Director resignation, Daniel de Clerck (director)
  • Director resignation, Ivo De Meersman (director)
  • Director resignation, Dirk Gyselinck (director)
  • Director resignation, Dirk Ector (director)
  • Director resignation, Martine Klutz (director)
  • Director appointment, Maarten Van Royen (director)
  • Director appointment, Bart De Rauw (director)
  • +3 further facts in this act
26-08
State Gazette act Appointments: KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor) and PricewaterhouseCoopers - bedrijfsrevisoren BV (statutory auditor)
Permanent representatives: Stéphane Nolf and Jeroen Bockaert · Resignation: KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)7 facts ▸
  • General meeting, 05/05/2021
  • Auditor appointment, KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)
  • Permanent representative, Stéphane Nolf
  • General meeting, 04/05/2022
  • Auditor resignation, KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)
  • Auditor appointment, PricewaterhouseCoopers - bedrijfsrevisoren BV (statutory auditor)
  • Permanent representative, Jeroen Bockaert
19-05
NBB filing Annual accounts filed
fiscal year 2021 · full schema
19-05
NBB filing Annual accounts filed
fiscal year 2021 · consolidated
2021
31-12
Financial Equity above €50MEq €57.62M ▲21.6%
4 profitable years in a row build equity to €57.62M.
08-02
State Gazette act Capital & shares · Purpose · Statutes amendment
Statutes amendment · Capital3 facts ▸
  • General meeting, 11/01/2021
  • Statutes amendment
  • Capital, €3.200.000
29-01
State Gazette act Capital & shares · Statutes amendment
Statutes amendment · Capital3 facts ▸
  • General meeting, 11/01/2021
  • Statutes amendment
  • Capital, €3.200.000
2020
31-12
Financial Weakest financial yearnet €8.08M ▼1%
Net result drops to €8.08M, the lowest in the series; recovery starts the following year.
29-06
State Gazette act Resignations: Arnaud Frippiat (director) and Geert Van Mol (director)
Appointments: Dirk Gyselinck, Martine Klutz and 2 others7 facts ▸
  • General meeting, 06/05/2020
  • Director resignation, Arnaud Frippiat (director)
  • Director resignation, Geert Van Mol (director)
  • Director appointment, Dirk Gyselinck (director)
  • Director appointment, Martine Klutz (director)
  • Director appointment, Frank Stockx (chair of the board)
  • Director appointment, Jean de Crane (managing director)
2019
24-06
State Gazette act Resignation: Olivier Onclin (director)
Appointments: Arnaud Frippiat, KPMG Bedrijfsrevisoren Burg. CVBA and 2 others · Reappointment: Ivo De Meersman (director) · Permanent representative: Stépharre Nolf8 facts ▸
  • General meeting, 02/05/2018
  • Director resignation, Olivier Onclin (director)
  • Director appointment, Arnaud Frippiat (director)
  • Director reappointment, Ivo De Meersman (director)
  • Auditor appointment, KPMG Bedrijfsrevisoren Burg. CVBA (commissaris voor de geconsolideerde jaarrekening)
  • Permanent representative, Stépharre Nolf
  • Director appointment, Frank Stockx (chair of the board)
  • Director appointment, Jean de Crane (managing director)
2018
16-08
State Gazette act Appointment: Martin Servais (extern bestuurder)
2 facts ▸
  • General meeting, 02/05/2018
  • Director appointment, Martin Servais (extern bestuurder)
02-07
State Gazette act Appointment: KPMG Bedrijfsrevisoren CVBA (statutory auditor)
Permanent representative: Stéphane Nolf3 facts ▸
  • General meeting, 02/05/2018
  • Auditor appointment, KPMG Bedrijfsrevisoren CVBA (statutory auditor)
  • Permanent representative, Stéphane Nolf
14-06
State Gazette act Resignations: Peter Pollaert (director) and A4M BVBA (bestuurder, belast met het dagelijks bestuur)
Appointments: Míchael Anseeuw, Michel Akkermans and Jean de Crane6 facts ▸
  • General meeting, 02/05/2018
  • Director resignation, Peter Pollaert (director)
  • Director appointment, Míchael Anseeuw (director)
  • Director appointment, Michel Akkermans (extern bestuurder)
  • Director resignation, A4M BVBA (bestuurder, belast met het dagelijks bestuur (gedelegeerd bestuurder))
  • Director appointment, Jean de Crane (bestuurder, belast met het dagelijks bestuur (gedelegeerd bestuurder))
26-01
State Gazette act Capital & shares · Statutes amendment
Statutes amendment6 facts ▸
  • General meeting, 28/12/2017
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
  • Statutes amendment
26-01
State Gazette act Restructuring
Merger · Accounting effect3 facts ▸
  • General meeting, 28/12/2017
  • Merger, verrichting gelijkgesteld met fusie door overneming, 01/01/2018
  • Accounting effect, 01/01/2018
17-01
State Gazette act Resignation: Lieven Haesaert (director)
Appointment: Filip Rombouts (director)3 facts ▸
  • Board meeting, 10/11/2017
  • Director resignation, Lieven Haesaert (director)
  • Director appointment, Filip Rombouts (director)
2017
24-11
State Gazette act Capital & shares
Merger · Accounting effect · Net-asset statement4 facts ▸
  • Merger, inbreng van bedrijfstak
  • Accounting effect, 01/01/2018
  • Net-asset statement, 30/09/2017
  • Excluded liabilities, gerechtelijke procedure door B2Boost NV ingeleid op 19 januari 2017 voor de Franstalige Rechtbank van Koophandel te Brussel
24-11
State Gazette act Restructuring
Merger · Accounting effect2 facts ▸
  • Merger
  • Accounting effect, 01/01/2018
22-08
State Gazette act Resignations: Johan De Meyer (director) and UBank Consult bvba (ceo belast met het dagelijks bestuur)
Appointment: A4M bvba (bestuurder, belast met het dagelijks bestuur) · Permanent representative: Jean de Crane5 facts ▸
  • Board meeting, 31/05/2017
  • Director resignation, Johan De Meyer (director)
  • Director resignation, UBank Consult bvba (ceo belast met het dagelijks bestuur)
  • Director appointment, A4M bvba (bestuurder, belast met het dagelijks bestuur (gedelegeerd bestuurder))
  • Permanent representative, Jean de Crane
23-05
State Gazette act Resignations: Patrick Devis (director) and Eric Vandenbempt (director)
Appointments: Olivier Onclin, Erik Luts and 8 others · Permanent representative: Johan De Meyer14 facts ▸
  • General meeting, 03/05/2017
  • Director resignation, Patrick Devis (director)
  • Director resignation, Eric Vandenbempt (director)
  • Director appointment, Olivier Onclin (director)
  • Director appointment, Erik Luts (director)
  • Director appointment, Frank Stockx (director and chair of the board)
  • Director appointment, Daniel de Clerck (director)
  • Director appointment, Ivo De Meersman (director)
  • Director appointment, Lieven Haesaert (director)
  • Director appointment, Peter Pollaert (director)
  • Director appointment, Geert Van Mol (director)
  • Director appointment, Johan De Meyer (director)
  • +2 further facts in this act
02-02
State Gazette act Appointment: KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)
Permanent representative: Karel Tanghe3 facts ▸
  • General meeting, 01-04-2015
  • Auditor appointment, KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)
  • Permanent representative, Karel Tanghe
2016
05-08
State Gazette act Resignation: Luc Neysens (managing director)
Appointment: Ubank Consult bvba (chief executive officer) · Permanent representative: Johan De Meyer5 facts ▸
  • Board meeting, 08/06/2016
  • Director resignation, Luc Neysens (managing director)
  • Director appointment, Ubank Consult bvba (chief executive officer (ceo))
  • Director appointment, Ubank Consult bvba (belast met het dagelijks bestuur)
  • Permanent representative, Johan De Meyer
03-08
State Gazette act Resignation: Luc Neysens (director)
Appointment: Johan De Meyer (director)3 facts ▸
  • General meeting
  • Director resignation, Luc Neysens (director)
  • Director appointment, Johan De Meyer (director)
20-07
State Gazette act Resignations: Joeri Lieten, Jacques Godet and Esquit GCV
Appointments: Frank Stockx, Daniël De Clerck and Luc Neysens · Reappointment: Peter Pollaert (director)8 facts ▸
  • General meeting, 06/04/2016
  • Director resignation, Joeri Lieten (director)
  • Director resignation, Jacques Godet (director)
  • Director resignation, Esquit GCV (gedelegeerd bestuurder en als bestuurder)
  • Director appointment, Frank Stockx (director)
  • Director appointment, Daniël De Clerck (director)
  • Director appointment, Luc Neysens (director)
  • Director reappointment, Peter Pollaert (director)
2015
12-05
State Gazette act Resignations: Bart Verbeek, Olivier Onclin and Philippe Gusbin
Appointments: Eric Vandenbempt, Patrick Devis and 7 others · Permanent representative: Luc Neysens14 facts ▸
  • General meeting, 01/04/2015
  • Director resignation, Bart Verbeek (director)
  • Director resignation, Olivier Onclin (director)
  • Director resignation, Philippe Gusbin (director)
  • Director appointment, Eric Vandenbempt (director)
  • Director appointment, Patrick Devis (director)
  • Director appointment, Joeri Lieten (director)
  • Director appointment, Jacques Godet (director and chair of the board)
  • Director appointment, Peter Pollaert (director)
  • Director appointment, Lieven Haesaert (director)
  • Director appointment, Geert Van Mol (director)
  • Director appointment, Ivo De Meersman (director)
  • +2 further facts in this act
2014
13-06
State Gazette act Resignation: Michel Luttgens (director)
Appointment: Geert Van Mol (director)3 facts ▸
  • General meeting, 02.04.2014
  • Director resignation, Michel Luttgens (director)
  • Director appointment, Geert Van Mol (director)
13-06
State Gazette act Resignations & appointments
Power of attorney2 facts ▸
  • Board meeting, 30/04/2014
  • Power of attorney, Esquit GCV
2013
20-06
State Gazette act Resignations: Dirk Cuypers (bestuurder voor kbc) and Rony Lejaeghere (bestuurder voor kbc)
Appointments: Bart Verbeek (bestuurder voor kbc) and Ivo De Meersman (bestuurder voor kbc)5 facts ▸
  • General meeting, 03/04/2013
  • Director resignation, Dirk Cuypers (bestuurder voor kbc)
  • Director resignation, Rony Lejaeghere (bestuurder voor kbc)
  • Director appointment, Bart Verbeek (bestuurder voor kbc)
  • Director appointment, Ivo De Meersman (bestuurder voor kbc)
2012
28-12
State Gazette act Resignations: Patrick Devis, Guido Busseniers and Philippe R. Dubois
Appointments: Olivier Onclin, Lieven Haesaert and 2 others · Permanent representatives: Luc Neysens and Karel Tanghe · Power of attorney12 facts ▸
  • General meeting, 12/12/2012
  • Director resignation, Patrick Devis (bestuurder voor belfius bank)
  • Director resignation, Guido Busseniers (bestuurder voor ing belgië)
  • Director appointment, Olivier Onclin (bestuurder voor belfius)
  • Director appointment, Lieven Haesaert (bestuurder voor ing belgië)
  • Director resignation, Philippe R. Dubois (director and managing director)
  • Director appointment, Esquit GCV (director)
  • Director appointment, Esquit GCV (managing director)
  • Permanent representative, Luc Neysens
  • Auditor appointment, KPMG Bedrijfsrevisoren Burg CVBA (statutory auditor)
  • Permanent representative, Karel Tanghe
  • Power of attorney, B-docs NV
14-05
State Gazette act Resignations: Frank Hubloue (director) and Joris Van der Wee (director)
Appointments: Michel Luttgens (director) and Rony Lejaeghere (director)5 facts ▸
  • General meeting, 04.04.2012
  • Director resignation, Frank Hubloue (director)
  • Director resignation, Joris Van der Wee (director)
  • Director appointment, Michel Luttgens (director)
  • Director appointment, Rony Lejaeghere (director)
2011
03-11
State Gazette act Resignations: Marc Lauwers (director) and Gunter Uytterhoeven (director)
Appointments: Jacques Godet (director) and Frank Hubloue (director)5 facts ▸
  • General meeting, 24/06/2011
  • Director resignation, Marc Lauwers (director)
  • Director resignation, Gunter Uytterhoeven (director)
  • Director appointment, Jacques Godet (director)
  • Director appointment, Frank Hubloue (director)
30-05
State Gazette act Resignation: Marc Boghe (bestuurder voor ing)
Appointment: Philippe Gusbin (bestuurder voor ing)3 facts ▸
  • General meeting, 06/04/2011
  • Director resignation, Marc Boghe (bestuurder voor ing)
  • Director appointment, Philippe Gusbin (bestuurder voor ing)
2010
17-06
State Gazette act Resignations: Simon Colboc (bestuurder voor fortis) and Benoit Görtz (bestuurder voor dexia)
Appointments: Peter Pollaert, Patrick Devis and KPMG Bedrijfsrevisoren6 facts ▸
  • General meeting, 07/04/2010
  • Director resignation, Simon Colboc (bestuurder voor fortis)
  • Director resignation, Benoit Görtz (bestuurder voor dexia)
  • Director appointment, Peter Pollaert (bestuurder voor fortis)
  • Director appointment, Patrick Devis (bestuurder voor dexia)
  • Auditor appointment, KPMG Bedrijfsrevisoren
2009
19-01
State Gazette act Appointments: Klynveld Peat Marwick Goerdeler - Reviseurs D'entreprises CVBA, Guido BUSSENIERS and Philippe R. DUBOIS
Permanent representative: Karel TANGHE · Reappointments: Marc Lauwers (chair of the board) and Philippe R. DUBOIS (managing director) · Resignation: Ferdinand De Grijs (director)11 facts ▸
  • General meeting, 23/12/2008
  • Statutes amendment
  • Auditor appointment, Klynveld Peat Marwick Goerdeler - Reviseurs D'entreprises CVBA
  • Permanent representative, Karel TANGHE
  • Director appointment, Guido BUSSENIERS (director)
  • Director appointment, Philippe R. DUBOIS (director)
  • Power of attorney, Xavier Huysmans
  • Board meeting, 23/12/2008
  • Director reappointment, Marc Lauwers (chair of the board)
  • Director reappointment, Philippe R. DUBOIS (managing director)
  • Director resignation, Ferdinand De Grijs (director)
2006
22-05
State Gazette act Resignations: Bernard Levie (bestuurder voor fortis) and Pierre Orban (bestuurder voor fortis)
Appointments: Daniël de Clerck (bestuurder voor fortis) and Cornelis J.G. Heijnen (bestuurder voor fortis) · Reappointment: Marc Boghe (bestuurder voor ing)6 facts ▸
  • General meeting, 05/04/2006
  • Director resignation, Bernard Levie (bestuurder voor fortis)
  • Director appointment, Daniël de Clerck (bestuurder voor fortis)
  • Director resignation, Pierre Orban (bestuurder voor fortis)
  • Director appointment, Cornelis J.G. Heijnen (bestuurder voor fortis)
  • Director reappointment, Marc Boghe (bestuurder voor ing)
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.An act published in both Dutch and French appears here once.

Directors · office · real estate

Directors
12 directors, no change since 2026
Lieve De Mol
Director · since 06-05-2026
Current
Mario De Vry
Director · since 06-05-2026
Current
Alessandra Guion
Externe bestuurder · since 08-11-2024
Current
Tom Swerts
Director · since 02-05-2024
Current
Kris De Ryck
Managing director · since 09-08-2023
Current
François Franssen
Director · since 03-05-2023
Current
6 other directors
Filip Rombouts
Director · since 10-11-2017
Current
Míchael Anseeuw
Director · since 29-03-2018
Not recently confirmed
A4M
Bestuurder, belast met het dagelijks bestuur (gedelegeerd bestuurder) · since 01-08-2017 · Private limited company · perm. rep.: Jean de Crane
Not recently confirmed
Ubank Consult bvba
Director · since 08-06-2016 · Legal entity · perm. rep.: Johan De Meyer
Not recently confirmed
ESQUIT
Director · since 01-12-2012 · Private limited company · perm. rep.: Luc Neysens
Not recently confirmed
Cornelis J.G. Heijnen
Bestuurder voor fortis · since 02-02-2008
Not recently confirmed
06-05-2026 Lieve De Mol: Appointed as Director
06-05-2026 Mario De Vry: Appointed as Director
20-04-2026 Frank Stockx: Resigned as Director
18-04-2026 Bram Somers: Resigned as Director and chair of the board
17-04-2026 Maarten Van Royen: Resigned as Director
Full history in the Timeline (135 changes) →
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1995
establishment 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.

Sinter-Goedeleplein 141000 Brussel
Ground area
4,891 m²
Building footprint
3,671 m²
Volume, LiDAR
90,299 m³
2 parcels, Brussels · tallest building 35.8 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
Isabel
Keizerinlaan 13-15, 1000 BrusselScientific research and development
since 19952.072.602.661
2 parcels
Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21804D1343/00R000 Brussels 3,064 m² 1 · 2,352 m² 34.5 m · 8 fl.
21804D1435/00P000 Brussels 1,827 m² 1 · 1,319 m² 35.8 m · 10 fl.
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Statutory auditor

1 auditor
PricewaterhouseCoopers Reviseurs d'EntreprisesCurrent
Statutory auditor · represented by Jeroen Bockaert
26-08-2022 → present
Show 5 earlier auditors
Klynveld Peat Marwick Goerdeler - Reviseurs D'entreprises CVBA
Auditor · represented by e5
succeeded by KPMG Bedrijfsrevisoren in 2010
19-01-2009 → 17-06-2010
Klynveld Peat Marwick Goerdeler - Reviseurs D'entreprises SCRL
Statutory auditor · represented by Karel TANGHE
succeeded by KPMG Bedrijfsrevisoren in 2010
19-01-2009 → 17-06-2010
KPMG Bedrijfsrevisoren
Auditor · represented by Karel Tanghe
succeeded by KPMG Bedrijfsrevisoren Burg. CVBA in 2015
17-06-2010 → 01-04-2015
KPMG Bedrijfsrevisoren Burg. CVBA
Commissaris voor de geconsolideerde jaarrekening · represented by Stépharre Nolf
succeeded by KPMG Réviseurs d'Entreprises in 2018
01-04-2015 → 02-07-2018
KPMG Réviseurs d'Entreprises
Statutory auditor · represented by Stéphane Nolf
succeeded by PricewaterhouseCoopers Reviseurs d'Entreprises in 2022
02-07-2018 → 26-08-2022

Articles of association

Purpose
Le développement, la réalisation, l'exploitation et la gestion d'une infrastructure ayant pour but de permettre la communication électronique entre entreprises et entre entreprises…
Full purpose

Le développement, la réalisation, l'exploitation et la gestion d'une infrastructure ayant pour but de permettre la communication électronique entre entreprises et entre entreprises et établissements de crédit. Elle peut faire ces opérations en nom et compte propre ou pour compte de tiers. Elle peut aussi faire, en Belgique et à l'étranger, toutes opérations financières, industrielles et commerciales, mobilières et immobilières, utiles ou favorables à la réalisation de son objet et ayant un rapport direct ou indirect avec celui-ci, et s'intéresser par voie de souscription, apport, prise de participation ou autre manière, dans toute société ou entreprise ayant une activité analogue, connexe ou complémentaire à la sienne, et, en général, effectuer toutes opérations de nature à favoriser la réalisation de son objet.

Structure & network

Connections & network

43 connected companies
Mario De Vry, Shared director, links 5 companies MDMario De VryBELFIUS BANQUE, via Mario De Vry BBBELFIUS BANQUEBELFIUS COMMERCIAL FINANCE, via Mario De Vry BCBELFIUSCOMMERCIAL…BELFIUS AUTO LEASE, via Mario De Vry BABELFIUS AUTOLEASEBELFIUS IMMO, via Mario De Vry BIBELFIUS IMMOVoka Brussels Metropolitan, via Mario De Vry VBVoka BrusselsMetropolitanFrançois Franssen, Shared director, links 2 companies FFFrançoisFranssenSOCOFE, via François Franssen SSOCOFEA4M, Shared director AA4MADD, Shared director AADDADINFO BELGIUM, en abrégé ADINFO, Shared director ABADINFO BELGIUMen abrégé ADINFOBancontact Company, 2 shared directors BCBancontactCompanyBATOPIN, 2 shared directors BBATOPINBecobra, Shared director BBecobraISABEL ISABEL0455.530.509
Shared directors
Linked via shared directors
BELFIUS BANQUE
via Mario De Vry · Uitvoerend bestuurder, lid van het directiecomité
former
BELFIUS IMMO
via Mario De Vry · Director
former
Show 39 more companies with a shared director
SOCOFE
via François Franssen · Director
former
former
A4M
Shared director
ADD
Shared director
Bancontact Company
Shared director
BATOPIN
Shared director
Becobra
Shared director
BELFIUS ASSURANCES
Shared director
Belgian Mobile ID
Shared director
BRS MICROFINANCE COOP
Shared director
CITYMESH INTEGRATOR
Shared director
CITYMESH OPERATOR
Shared director
CLEAR2PAY
Shared director
CREFIUS
Shared director
DE GENTSE KLUIS
Shared director
EPI Company
Shared director
EUROPAY BELGIUM
Shared director
Inetum Belgium
Shared director
Luminus
Shared director
MICROSTART
Shared director
MicroStart Support
Shared director
Nitro Software Belgium
Shared director
Omnia Travel
Shared director
PAMICA
Shared director
QUEST FOR GROWTH
Shared director
SYNTRA business
Shared director
TINC
Shared director
VAB Rijschool
Shared director
VISA BELGIUM
Shared director
AC Timber Trading
Shared corporate director
Resuwood
Shared corporate director
Siffer Dock Company
Shared corporate director
SOFIPLAS
Shared corporate director

Acquisitions and mergers

2 transactions
Took over:LOCKEY
operation treated as a merger by absorption · State Gazette act of 26-01-2018 (4 acts) · effective 01-01-2018
Contributed a branch of activity to:Codabox NV
BE 0840.559.537proposal · State Gazette act of 24-11-2017 (2 acts)

Capital and shareholders

Capital over the years
  1. 08-02-2021 Capital stated in the act · 3,200,000 EUR
  2. 29-01-2021 Capital stated in the act · 3,200,000 EUR · 1,000,000 shares

Recognitions · licences · registrations

Legal Entity Identifier

529900ULZO7S7JYJ9X64
live in the LEI register

Similar companies · same sector, comparable size

Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 162 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification
Legal formPublic limited company
Founded23-06-1995
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.