ISOBUILDING
ActiveISOBUILDING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €11k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 66% of 2172 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73=
Solvency79▼-10
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 2.85 in 2024; short-term debt: 43.3% and cash: 2% of total assets), and 46% 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 risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
54%
Return on assets
3.3%
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 dateAge against the risk zone
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
43 d early
2023
34 d early
2022
38 d early
2021
32 d early
2020
36 d early
2019
39 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€185k▲ 6.6%
2024 · €174k
2018: €93k
2019: €128k
2020: €159k
2021: €173k
2022: €141k
2023: €164k
2024: €174k
2018 → 2025
Total assets
€343k▲ 25.6%
2024 · €273k
2018: €283k
2019: €333k
2020: €278k
2021: €286k
2022: €233k
2023: €339k
2024: €273k
2018 → 2025
Net result
€11k▲ 14.7%
2024 · €10k
2018: €27k
2019: €34k
2020: €31k
2021: €14k
2022: €-32k
2023: €17k
2024: €10k
2018 → 2025
Working capital
€171k▲ 9.4%
2024 · €157k
2018: €79k
2019: €126k
2020: €147k
2021: €165k
2022: €121k
2023: €139k
2024: €157k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€141k▼ 18.4%€164k▲ 16.4%€174k▲ 6.1%€185k▲ 6.6%
Operating result€16k-€34k▲ 112%€24k▼ 27.2%€10k▼ 59.5%€19k▲ 90.0%
Net result€14k-€-32k€17k€10k▼ 40.6%€11k▲ 14.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 90% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €343k
Fixed assets
€23k▼ 27.9%
Current assets
€320k▲ 32.8%
Equity and liabilities €343k
Equity
€185k▲ 6.6%
Debt
€158k▲ 58.8%
The debt ratio rises from 36.4% to 46.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▲
2024 · €23k
Cash flow
€24k▲
2024 · €23k
Solvency
54.0%▼
2024 · 63.6%
Current ratio
2.15▼
2024 · 2.85
Quick ratio
2.15▼
2024 · 2.85
Debt / equity
0.85▲
2024 · 0.57
ROE
6.2%▲
2024 · 5.8%
ROA
3.3%▼
2024 · 3.7%
Interest coverage
16.59▲
2024 · 12.03
Debt
€158k▲
2024 · €100k
Debt ≤ 1 year
€149k▲
2024 · €84k
Debt > 1 year
€9k▼
2024 · €15k
Income taxes
€6k▼
2024 · €7k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€273k€343k▲
Fixed assets21/28€32k€23k▼
Tangible fixed assets22/27€30k€21k▼
Furniture and vehicles24€5k€2k▼
Leasing and similar rights25€26k€19k▼
Financial fixed assets28€2k€2k=
Current assets29/58€241k€320k▲
Amounts receivable within one year40/41€216k€303k▲
Trade receivables40€191k€274k▲
Other amounts receivable41€24k€29k▲
Cash at bank and in hand54/58€12k€7k▼
Deferred charges and accrued income490/1€14k€10k▼
Equity and liabilities
Total equity and liabilities10/49€273k€343k▲
Equity10/15€174k€185k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€153k€165k▲
Amounts payable17/49€100k€158k▲
Amounts payable after more than one year17€15k€9k▼
Financial debts170/4€15k€9k▼
Amounts payable within one year42/48€84k€149k▲
Current portion of amounts payable after more than one year42€5k€6k▲
Trade debts44€34k€97k▲
Suppliers440/4€34k€97k▲
Taxes, remuneration and social security45€45k€27k▼
Taxes450/3€15k€14k▼
Remuneration and social security454/9€30k€13k▼
Other amounts payable47/48-€19k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€30k€12k▼
Gross operating margin9900€53k€43k▼
Operating profit (loss)9901€10k€19k▲
Financial income75/76B€10k€350▼
Recurring financial income75€198€350▲
Non-recurring financial income76B€9k€350▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€18k€17k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€10k€11k▲
Profit (loss) for the period to be appropriated9905€10k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€153k€165k▲
Profit (loss) brought forward from the previous period14P€143k€153k▲
The notes to these accounts (9 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Equity above €150kEq €164k ▲16.4%
Equity rises from €141k to €164k.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-32k ▼327%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €159k ▲24%
3 profitable years in a row build equity to €159k.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
31-12
Financial
Highest result since 2018net €34k ▲28.1%
Operating result €50k, net result €34k, both a record.
31-12
Financial
Equity above €100kEq €128k ▲36.9%
2 profitable years in a row build equity to €128k.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Londerzeel · 1 establishment unit since 2013
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.
Patattestraat 21840 LonderzeelGround area
936 m²
Building footprint
150 m²
Volume, LiDAR
538 m³
Parcel 23045B0052/00E000, Flanders · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Isobuild
since 20132.225.537.118
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23045B0052/00E000 | Flanders | 936 m² | 1 · 150 m² | 5.6 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
ECO-REN
BE 0699.650.211
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BK BEL INVEST
BE 0546.684.575
Namur · Eq €185k
VHB PROJECTS
BE 0811.187.343
Buggenhout · Eq €185k
HMD Construct
BE 0644.716.141
Fontaine-l'Evêque · Eq €185k
Vertu Cons
BE 1001.298.039
Sint-Pieters-Leeuw · Eq €186k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 12,250 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43350Other building finishing work
43910Bricklaying and masonry work
43990Other specialised construction activities
43992Specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
71111Activities of building architects
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.