ISABELLE QUINTYN
ActiveSummary
ISABELLE QUINTYN has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €492. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 66% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-36
Solvency96▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.16 against 2.5 in 2024; short-term debt: 28.7% and cash: 57.6% of total assets), and 28.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
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
71.2%
Return on assets
0.8%
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 26-08-2026, 26 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
26 d late
2024
61 d late
2023
12 d early
2022
38 d late
2021
26 d late
2020
23 d late
2019
89 d late
← 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▼ 16.8%
2024 · €54k
2018: €29k
2019: €38k
2020: €56k
2021: €48k
2022: €49k
2023: €49k
2024: €54k
2018 → 2025
Total assets
€63k▼ 19.4%
2024 · €78k
2018: €43k
2019: €63k
2020: €72k
2021: €65k
2022: €57k
2023: €50k
2024: €78k
2018 → 2025
Net result
€492▼ 95.0%
2024 · €10k
2018: €19k
2019: €10k
2020: €22k
2021: €-3k
2022: €514
2023: €500
2024: €10k
2018 → 2025
Working capital
€39k▲ 7.4%
2024 · €36k
2018: €30k
2019: €37k
2020: €55k
2021: €45k
2022: €45k
2023: €44k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€49k▲ 1.1%€49k▲ 1.0%€54k▲ 8.7%€45k▼ 16.8%
Operating result€-443-€4k€4k▲ 7.3%€20k▲ 355%€5k▼ 73.1%
Net result€-3k-€514€500▼ 2.7%€10k▲ 1,856%€492▼ 95.0%
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 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€6k ▼ 66.6%
Current assets
€57k ▼ 5.7%
Equity and liabilities €63k
Equity
€45k ▼ 16.8%
Debt
€18k ▼ 25.3%
Debt's share of the balance-sheet total falls from 31.1% to 28.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €22k
Cash flow
€3k▼
2024 · €12k
Current ratio
3.16▲
2024 · 2.50
Debt to equity
0.40▼
2024 · 0.45
ROE
1.1%▼
2024 · 18.2%
ROA
0.8%▼
2024 · 12.5%
Interest coverage
3.45▼
2024 · 88.10
Debt ≤ 1 year
€18k▼
2024 · €24k
Income taxes
€3k▼
2024 · €10k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€78k€63k▼
Fixed assets21/28€18k€6k▼
Tangible fixed assets22/27€18k€6k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€14k€3k▼
Other tangible fixed assets26€1k€251▼
Current assets29/58€60k€57k▼
Amounts receivable within one year40/41€3k€6k▲
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€57k€36k▼
Deferred charges and accrued income490/1€541€15k▲
Equity and liabilities
Total equity and liabilities10/49€78k€63k▼
Equity10/15€54k€45k▼
Contributions10/11€13k€13k=
Reserves13€40k€31k▼
Non-distributable reserves130/1€191€191=
Reserves not available under the articles1311€191€191=
Distributable reserves133€40k€31k▼
Amounts payable17/49€24k€18k▼
Amounts payable within one year42/48€24k€18k▼
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€12k€11k▼
Accrued charges and deferred income492/3€66€67▲
Income statement
Code20242025
Non-recurring operating income76A€590-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€27-
Gross operating margin9900€23k€9k▼
Operating profit (loss)9901€20k€5k▼
Financial income75/76B€136€207▲
Recurring financial income75€136€207▲
Financial charges65/66B€248€2k▲
Recurring financial charges65€248€2k▲
Profit (loss) for the period before taxes9903€20k€3k▼
Income taxes67/77€10k€3k▼
Profit (loss) for the period9904€10k€492▼
Profit (loss) for the period to be appropriated9905€10k€492▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€492▼
Profit (loss) brought forward from the previous period14P€-2k-
Transfer from equity791/2€5k€10k▲
Transfer to equity691/2€8k€492▼
To other reserves6921€8k€492▼
Profit to be distributed694/7€5k€10k▲
Return on contributions (dividend)694€5k€10k▲
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 10current ratio 63.62
Current ratio from 6.64 to 63.62; short-term debt falls from €8k to €708.
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 38 days late
2022
31-12
Financial
Back to profitnet €514
Net result €514 after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €-3k ▼113%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Highest result since 2018net €22k ▲126%
Operating result €34k, net result €22k, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 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, Sint-Martens-Latem · 1 establishment unit since 2014
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.
Rode Beukendreef 79831 Sint-Martens-LatemGround area
3,727 m²
Building footprint
406 m²
Volume, LiDAR
1,434 m³
Parcel 44015A0301/00W006, Flanders · tallest building 9.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ISABELLE QUINTYN
since 20142.233.299.393
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44015A0301/00W006 | Flanders | 3,727 m² | 1 · 406 m² | 9.2 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.
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,142 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 formPrivate limited company (pre-2019)
Founded11-02-2004
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.