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.
-
Tight liquidity NBB
Cash and receivables cover 22 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ISA Immo from Leuven, company number BE0644538274, closed financial year 2025 with a result of € 49,486 after tax. For that financial year ISA Immo recorded a gross margin of € -51,289 and equity of € -587,364. Compared with financial year 2024, the result moved from € -166,574 to € 49,486. 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 July 23, 2026.
€ -587,364
▲ € 49,486 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 49,486
▲ still € 166,574 loss in 2024
Profit after tax over the fiscal year.
€ 2,749
▼ 95% 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 € -599,764.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
€ 145,464
▲ € 140,360 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3.7 million
▲ 14% vs 2024
€ 339,836 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.
€ 462,725
▲ 218% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 40,278
▲ 158% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 57,611 | € 92,209 | € 31,220 | € -51,289 | ▼ € 82,508 |
| Profit after taxes | € -127,844 | € -91,931 | € -166,574 | € 49,486 | ▲ € 216,060 |
| Equity | € -378,346 | € -470,277 | € -636,850 | € -587,364 | ▲ € 49,486 |
| Total debts | € 3,629,034 | € 6,405,148 | € 6,071,472 | € 7,414,018 | ▲ 22% |
| Cash | € 65,889 | € 33,338 | € 51,821 | € 2,749 | ▼ 95% |
| Land & buildings | € 1,777,252 | € 2,177,946 | € 2,682,543 | € 3,988,728 | ▲ 49% |
| Retained profit | € -390,746 | € -482,677 | € -649,250 | € -599,764 | ▲ € 49,486 |
| Bank debt | € 960,904 | € 2,312,125 | € 3,245,596 | € 3,688,960 | ▲ 14% |
| Balance sheet total | € 3,250,688 | € 5,934,871 | € 5,434,622 | € 6,826,654 | ▲ 26% |
Key figures of ISA Immo, 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 ISA Immo?
What happened at ISA Immo in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 49,486. Source: NBB ↗
- Joeri Vanhumbeeck became a director. NBB
- New establishment in Rotselaar. KBO
- Start of the company according to the CBE. KBO
In short
From € 127,844 loss in 2022 to € 49,486 profit in 2025.
Best year ever: 2025, with € 49,486 profit.
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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 ISA Immo is Joeri Vanhumbeeck. It owns 33.3% of ROS Concept itself.
Directors
According to the 2025 annual accounts
Joeri Vanhumbeeck
Director
Also active at: VOKA - Kamer van Koophandel Vlaams-Brabant, CAFIMO, ISA Projects, Rentycar, ROS concept, CAFIDI, Loca-Lease, CARCONNEX +3 more
since 2020
Establishments
Establishment units
Physical locations of this company
Tiensesteenweg 293
3010 Leuven
Vijverstraat 13
3110 Rotselaar
Active since 15 December 2015
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0644.538.274
- VAT number
- BE 0644.538.274
- Registered office
- Tiensesteenweg 293, 3010 Leuven
- Names & denominations
- ISA Immo
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 December 2015
- Peppol
- Active · Active since 30 Dec 2025