ISOLANO
ActiveSummary
ISOLANO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.03M and a net result of €23k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 15% of 4886 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability29▼-10
Solvency38=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days only on tighter terms
Liquidity tight (current ratio 1.04 against 1.04 in 2024; short-term debt: 87.3% and cash: 4.1% of total assets), and 87.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
12.6%
Return on assets
0.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 4886 sector peers (2025).
NBB · sector comparisonPosition among 4886 sector peers
Solvency
better than 15%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
70 d late
2023
2 d early
2022
10 d late
2021
11 d early
2020
11 d early
2019
62 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€23k
2024 · €-5k
2018: €30k
2019: €10k▼ -68.3% vs 2018
2020: €-67k▼ -798% vs 2019lowest in 8 years
2021: €33k▲ +149% vs 2020
2022: €136k▲ +308% vs 2021highest in 8 years
2023: €16k▼ -87.9% vs 2022
2024: €-5k▼ -133% vs 2023
2025: €23k▲ +531% vs 2024
2018 → 2025
Working capital
€317k▲ 27.4%
2024 · €249k
2018: €370khighest in 8 years
2019: €319k▼ -13.9% vs 2018
2020: €275k▼ -13.8% vs 2019
2021: €195k▼ -29.1% vs 2020
2022: €-199k▼ -202% vs 2021lowest in 8 years
2023: €247k▲ +224% vs 2022
2024: €249k▲ +0.7% vs 2023
2025: €317k▲ +27.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€866k-€998k▲ 15.2%€1.01M▲ 1.3%€1.01M▼ 0.5%€1.03M▲ 2.3%
2021: €866klowest in 5 years
2022: €998k▲ +15.2% vs 2021
2023: €1.01M▲ +1.3% vs 2022
2024: €1.01M▼ -0.5% vs 2023
2025: €1.03M▲ +2.3% vs 2024highest in 5 years
Operating result€53k-€258k▲ 388%€27k▼ 89.6%€16k▼ 41.4%€44k▲ 178%
2021: €53k
2022: €258k▲ +388% vs 2021highest in 5 years
2023: €27k▼ -89.6% vs 2022
2024: €16k▼ -41.4% vs 2023lowest in 5 years
2025: €44k▲ +178% vs 2024
Net result€33k-€136k▲ 308%€16k▼ 87.9%€-5k€23k
2021: €33k
2022: €136k▲ +308% vs 2021highest in 5 years
2023: €16k▼ -87.9% vs 2022
2024: €-5k▼ -133% vs 2023lowest in 5 years
2025: €23k▲ +531% vs 2024
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 178% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.14M
Fixed assets
€716k ▼ 17.5%
Current assets
€7.42M ▲ 7.6%
Equity and liabilities €8.14M
Equity
€1.03M ▲ 2.3%
Provisions
€164 ▼ 50.2%
Debt
€7.11M ▲ 5.2%
Debt's share of the balance-sheet total rises from 87.0% to 87.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€196k▲
2024 · €167k
Cash flow
€175k▲
2024 · €146k
Current ratio
1.04▲
2024 · 1.04
Quick ratio
0.52▲
2024 · 0.50
Debt to equity
6.91▲
2024 · 6.72
ROE
2.3%▲
2024 · -0.5%
ROA
0.3%▲
2024 · -0.1%
Interest coverage
1.14▼
2024 · 2.47
Debt ≤ 1 year
€7.10M▲
2024 · €6.65M
Debt > 1 year
€0▼
2024 · €108k
Income taxes
€7k▲
2024 · €6k
Staff costs
€79k▲
2024 · €77k
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 · 69 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7.76M€8.14M▲
Fixed assets21/28€868k€716k▼
Intangible fixed assets21€6k€3k▼
Tangible fixed assets22/27€856k€707k▼
Land and buildings22€703k€610k▼
Plant, machinery and equipment23€16k€10k▼
Furniture and vehicles24€138k€87k▼
Financial fixed assets28€6k€6k=
Current assets29/58€6.89M€7.42M▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Stocks and contracts in progress3€3.60M€3.71M▲
Stocks30/36€3.60M€3.71M▲
Amounts receivable within one year40/41€3.26M€3.36M▲
Trade receivables40€3.24M€3.35M▲
Other amounts receivable41€21k€15k▼
Cash at bank and in hand54/58€29k€335k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€7.76M€8.14M▲
Equity10/15€1.01M€1.03M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€3k€3k=
Reserves13€941k€965k▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132€1k€656▼
Distributable reserves133€925k€949k▲
Profit (loss) carried forward14€0-
Provisions and deferred taxes16€329€164▼
Deferred taxes168€329€164▼
Amounts payable17/49€6.76M€7.11M▲
Amounts payable after more than one year17€108k€0▼
Financial debts170/4€108k€0▼
Amounts payable within one year42/48€6.65M€7.10M▲
Current portion of amounts payable after more than one year42€143k€108k▼
Trade debts44€5.61M€6.09M▲
Suppliers440/4€5.61M€6.09M▲
Advances received on contracts in progress46€439€439=
Taxes, remuneration and social security45€67k€71k▲
Taxes450/3€54k€58k▲
Remuneration and social security454/9€13k€14k▲
Other amounts payable47/48€821k€833k▲
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A-€28k
Remuneration, social security and pensions62€77k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€152k€152k▲
Other operating charges640/8€18k€17k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€263k€292k▲
Operating profit (loss)9901€16k€44k▲
Financial income75/76B€53k€158k▲
Recurring financial income75€53k€158k▲
Financial charges65/66B€68k€171k▲
Recurring financial charges65€68k€171k▲
Profit (loss) for the period before taxes9903€494€30k▲
Transfer from deferred taxes780€165€165=
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€-5k€23k▲
Transfer from tax-exempt reserves789€661€661=
Profit (loss) for the period to be appropriated9905€-5k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€24k▲
Transfer from equity791/2€5k€0▼
Transfer to equity691/2€0€24k▲
To other reserves6921€0€24k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (24 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €130k | - | - | - | €28k | - |
| Remuneration, social security and pensions62 | €48k | €62k | €75k | €77k | €79k | ▲ 3.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €148k | €203k | €144k | €152k | €152k | ▲ 0.1% |
| Other operating charges640/8 | €16k | €17k | €18k | €18k | €17k | ▼ 7.8% |
| Non-recurring operating charges66A | €6k | €11k | €9k | €0 | - | - |
| Gross operating margin9900 | €271k | €551k | €272k | €263k | €292k | ▲ 11.1% |
| Operating profit (loss)9901 | €53k | €258k | €27k | €16k | €44k | ▲ 178% |
| Financial income75/76B | €57k | €28k | €33k | €53k | €158k | ▲ 200% |
| Recurring financial income75 | €57k | €28k | €33k | €53k | €158k | ▲ 200% |
| Financial charges65/66B | €71k | €115k | €36k | €68k | €171k | ▲ 153% |
| Recurring financial charges65 | €71k | €115k | €36k | €68k | €171k | ▲ 153% |
| Profit (loss) for the period before taxes9903 | €39k | €172k | €24k | €494 | €30k | ▲ 6,011% |
| Transfer from deferred taxes780 | €1 | €165 | €165 | €165 | €165 | = |
| Transfer to deferred taxes680 | €826 | - | - | - | - | - |
| Income taxes67/77 | €5k | €36k | €7k | €6k | €7k | ▲ 15.0% |
| Profit (loss) for the period9904 | €33k | €136k | €16k | €-5k | €23k | ▲ 531% |
| Transfer from tax-exempt reserves789 | €43k | €661 | €661 | €661 | €661 | = |
| Transfer to tax-exempt reserves689 | €3k | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €73k | €137k | €17k | €-5k | €24k | ▲ 605% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.88M | €7.33M | €7.29M | €7.76M | €8.14M | ▲ 4.8% |
| Fixed assets21/28 | €1.20M | €1.59M | €1.02M | €868k | €716k | ▼ 17.5% |
| Intangible fixed assets21 | €18k | €14k | €9k | €6k | €3k | ▼ 55.0% |
| Tangible fixed assets22/27 | €1.18M | €1.58M | €1.00M | €856k | €707k | ▼ 17.4% |
| Land and buildings22 | €1.12M | €1.40M | €796k | €703k | €610k | ▼ 13.2% |
| Plant, machinery and equipment23 | €10k | €6k | €21k | €16k | €10k | ▼ 33.4% |
| Furniture and vehicles24 | €53k | €173k | €188k | €138k | €87k | ▼ 36.8% |
| Financial fixed assets28 | €620 | €620 | €6k | €6k | €6k | = |
| Current assets29/58 | €5.68M | €5.74M | €6.27M | €6.89M | €7.42M | ▲ 7.6% |
| Amounts receivable after more than one year29 | €4k | €4k | €4k | €0 | - | - |
| Other amounts receivable291 | €4k | €4k | €4k | €0 | - | - |
| Stocks and contracts in progress3 | €3.80M | €4.41M | €3.91M | €3.60M | €3.71M | ▲ 3.1% |
| Stocks30/36 | €3.80M | €4.41M | €3.91M | €3.60M | €3.71M | ▲ 3.1% |
| Amounts receivable within one year40/41 | €1.52M | €729k | €2.16M | €3.26M | €3.36M | ▲ 3.3% |
| Trade receivables40 | €1.45M | €726k | €2.10M | €3.24M | €3.35M | ▲ 3.5% |
| Other amounts receivable41 | €76k | €4k | €58k | €21k | €15k | ▼ 27.4% |
| Cash at bank and in hand54/58 | €340k | €592k | €187k | €29k | €335k | ▲ 1,052% |
| Deferred charges and accrued income490/1 | €5k | €6k | €7k | €7k | €8k | ▲ 22.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.88M | €7.33M | €7.29M | €7.76M | €8.14M | ▲ 4.8% |
| Equity10/15 | €866k | €998k | €1.01M | €1.01M | €1.03M | ▲ 2.3% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | €62k | €62k | €62k | €62k | €62k | = |
| Issued capital100 | €62k | €62k | €62k | €62k | €62k | = |
| Revaluation surpluses12 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves13 | €802k | €934k | €947k | €941k | €965k | ▲ 2.5% |
| Non-distributable reserves130/1 | €15k | €15k | €15k | €15k | €15k | = |
| Legal reserve130 | €15k | €15k | €15k | €15k | €15k | = |
| Tax-exempt reserves132 | €3k | €3k | €2k | €1k | €656 | ▼ 50.2% |
| Distributable reserves133 | €784k | €916k | €930k | €925k | €949k | ▲ 2.6% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | - | - |
| Provisions and deferred taxes16 | €825 | €660 | €495 | €329 | €164 | ▼ 50.2% |
| Deferred taxes168 | €825 | €660 | €495 | €329 | €164 | ▼ 50.2% |
| Amounts payable17/49 | €6.01M | €6.33M | €6.27M | €6.76M | €7.11M | ▲ 5.2% |
| Amounts payable after more than one year17 | €530k | €392k | €251k | €108k | €0 | ▼ 100% |
| Financial debts170/4 | €530k | €392k | €251k | €108k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €5.48M | €5.94M | €6.02M | €6.65M | €7.10M | ▲ 6.9% |
| Current portion of amounts payable after more than one year42 | €136k | €138k | €141k | €143k | €108k | ▼ 24.0% |
| Trade debts44 | €5.26M | €4.60M | €5.13M | €5.61M | €6.09M | ▲ 8.5% |
| Suppliers440/4 | €5.26M | €4.60M | €5.13M | €5.61M | €6.09M | ▲ 8.5% |
| Advances received on contracts in progress46 | €439 | €439 | €439 | €439 | €439 | = |
| Taxes, remuneration and social security45 | €10k | €131k | €105k | €67k | €71k | ▲ 5.9% |
| Taxes450/3 | €7k | €115k | €89k | €54k | €58k | ▲ 6.7% |
| Remuneration and social security454/9 | €2k | €15k | €16k | €13k | €14k | ▲ 2.8% |
| Other amounts payable47/48 | €71k | €1.07M | €641k | €821k | €833k | ▲ 1.5% |
| Accrued charges and deferred income492/3 | €1k | €930 | €4k | €3k | €4k | ▲ 53.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33k | €136k | €16k | €-5k | €23k | ▲ 531% |
| + Depreciation and write-downs630 | €148k | €203k | €144k | €152k | €152k | ▲ 0.1% |
| Operating cash flow (approximation) | €181k | €339k | €161k | €146k | €175k | ▲ 19.7% |
| Investment in fixed assets (approximation) | - | €-590k | €427k | €-392 | €0 | ▲ 100% |
| Change in cash | - | €253k | €-406k | €-158k | €306k | ▲ 294% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 70 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.01M ▲1.3%
3 profitable years in a row build equity to €1.01M.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
31-12
Financial
Highest result since 2018net €136k ▲308%
Operating result €258k, net result €136k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-67k
Net result drops to €-67k, the lowest in the series; recovery starts the following year.
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 62 days late
Show earlier events
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Boortmeerbeek · 2 establishment units since 1993
Ground area
1.3 ha
Building footprint
1,226 m²
Volume, LiDAR
7,960 m³
2 parcels, Flanders · tallest building 12.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
ISOLANO
since 19932.047.834.108
Tervantstraat 7, 3583 Beringen
since 20152.247.545.626
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24014D0231/00_000 | Flanders | 9,029 m² | 1 · 281 m² | 5.6 m · 1 fl. |
| 71049A1088/00B000 | Flanders | 4,302 m² | 1 · 945 m² | 12.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 334 companies in sector 46471 we hold annual accounts for 189. 105 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded08-03-1990
Fiscal year end31-12
Activities, NACEBEL 2025
46471Wholesale trade
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.