Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 36 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 33.2 to 29.1.
Financials
Financial year 2025
ISAM from Hasselt, company number BE0446945415, closed financial year 2025 with a result of € 63,031 after tax. For that financial year ISAM recorded a gross margin of € 867,225 and equity of € -249,803. Compared with financial year 2024, the result moved from € -206,038 to € 63,031. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 1, 2026.
€ -249,803
▲ € 63,031 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 63,031
▲ still € 206,038 loss in 2024
Profit after tax over the fiscal year.
€ 38,240
▲ 11% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -299,382.
People and assets in 2025
29.1
▼ 3.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 634,610
▼ 12% vs 2024
€ 21,800 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 13,250
▼ 39% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 122,710
▲ 75% vs 2024
Loans from banks and other lenders, long and short.
€ 146,601
▲ 27% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 308,048
▼ 16% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 699,928 | € 915,469 | € 620,865 | € 867,225 | ▲ 40% |
| Profit after taxes | € -118,302 | € 721 | € -206,038 | € 63,031 | ▲ € 269,069 |
| Equity | € -107,517 | € -106,796 | € -312,834 | € -249,803 | ▲ € 63,031 |
| Total debts | € 515,292 | € 517,866 | € 580,403 | € 577,359 | ▼ 1% |
| Cash | € 97,739 | € 23,134 | € 34,342 | € 38,240 | ▲ 11% |
| Land & buildings | € 65,255 | € 61,846 | € 57,174 | € 20,301 | ▼ 64% |
| Retained profit | € -157,096 | € -156,374 | € -362,413 | € -299,382 | ▲ € 63,031 |
| Bank debt | € 60,524 | € 64,622 | € 70,313 | € 122,710 | ▲ 75% |
| Balance sheet total | € 407,775 | € 411,070 | € 267,570 | € 327,556 | ▲ 22% |
| Employees (FTE) | 27.7 | 33.2 | 32.3 | 29.1 | ▼ 3.2 |
Key figures of ISAM, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to ISAM?
What happened at ISAM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 63,031. Source: NBB ↗
- New establishment in Lummen. KBO
- Start of the company according to the CBE. KBO
In short
From € 118,302 loss in 2022 to € 63,031 profit in 2025.
Paid € 4,454 in corporate taxes since 2022.
Best year ever: 2025, with € 63,031 profit.
On average € 29,800 of value added per employee in 2025.
A new publication or filing at ISAM? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind ISAM are Herman Maurice B Sneyers and Muriel Selinde L Claes.
Directors
According to the 2025 annual accounts
Herman Maurice B Sneyers
Director
Muriel Selinde L Claes
Director
Establishments
Establishment units
Physical locations of this company
Sint-Jozefsstraat 21 box 7
3500 Hasselt
Demerstraat 60
3560 Lummen
Active since 6 May 1992
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0446.945.415
- VAT number
- BE 0446.945.415
- Registered office
- Sint-Jozefsstraat 21 bus 7, 3500 Hasselt
- Names & denominations
- ISAM
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 March 1992
- Peppol
- Active · Active since 19 Jun 2025
- Activities · NACE
Cafés en bars
Activiteiten van eetgelegenheden met volledige bediening
Eetgelegenheden met volledige bediening