Summary
Isolation Invest & Co is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €117k and a net result of €-2k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 5527 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
28 d early
2023
28 d early
2022
31 d early
2021
34 d early
2020
26 d early
2019
30 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, abbreviated schema
Equity
€117k▼ 1.4%
2024 · €119k
2018: €75k
2019: €74k
2020: €108k
2021: €88k
2022: €74k
2023: €102k
2024: €119k
2018 → 2025
Net result
€-2k
2024 · €17k
2018: €-1k
2019: €-1k
2020: €34k
2021: €25k
2022: €36k
2023: €45k
2024: €17k
2018 → 2025
Total assets
€117k▼ 1.8%
2024 · €119k
2018: €122k
2019: €121k
2020: €120k
2021: €133k
2022: €124k
2023: €119k
2024: €119k
2018 → 2025
Solvency
100.0%▲ 0.5pp
2024 · 99.5%
2018: 61.9%
2019: 61.5%
2020: 90.4%
2021: 66.1%
2022: 60.1%
2023: 85.3%
2024: 99.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€74k▼ 15.6%€102k▲ 36.8%€119k▲ 16.7%€117k▼ 1.4%
Operating result€-1k-€-1k▼ 6.5%€-1k▼ 15.2%€-1k▼ 1.9%€-1k▼ 10.8%
Net result€25k-€36k▲ 43.9%€45k▲ 26.0%€17k▼ 62.2%€-2k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €1k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€116k =
Current assets
€2k ▼ 56.7%
Key figures and ratios
ROE
-1.4%▼
2024 · 14.3%
ROA
-1.4%▼
2024 · 14.2%
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 · 26 lines
Balance sheet
Code20242025
Assets
Total assets20/58€119k€117k▼
Fixed assets21/28€116k€116k=
Financial fixed assets28€116k€116k=
Current assets29/58€4k€2k▼
Cash at bank and in hand54/58€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€119k€117k▼
Equity10/15€119k€117k▼
Contributions10/11€71k€71k=
Profit (loss) carried forward14€48k€46k▼
Amounts payable17/49€557-
Amounts payable within one year42/48€557-
Trade debts44€557-
Suppliers440/4€557-
Income statement
Code20242025
Other operating charges640/8€557€601▲
Gross operating margin9900€-763€-862▼
Operating profit (loss)9901€-1k€-1k▼
Financial income75/76B€19k-
Recurring financial income75€19k-
Non-recurring financial income76B€19k-
Financial charges65/66B€189€150▼
Recurring financial charges65€189€150▼
Profit (loss) for the period before taxes9903€17k€-2k▼
Profit (loss) for the period9904€17k€-2k▼
Profit (loss) for the period to be appropriated9905€17k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€46k▼
Profit (loss) brought forward from the previous period14P€31k€48k▲
The notes to these accounts (2 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼109%
Net result drops to €-2k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity times 32current ratio 6.87
Current ratio from 0.22 to 6.87; short-term debt falls from €18k to €557.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €45k ▲26%
Net result €45k, the highest in the series.
31-12
Financial
Equity above €100kEq €102k ▲36.8%
4 profitable years in a row build equity to €102k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €34k
Net result €34k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €108k ▲46.1%
Equity rises from €74k to €108k.
Show earlier events
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Dour · 1 establishment unit since 2015
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.
Rue Nacfer 177370 DourGround area
1,218 m²
Building footprint
81 m²
Volume, LiDAR
572 m³
Parcel 53081B0162/00W000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Nacfer 17, 7370 Dour
since 20152.244.305.430
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53081B0162/00W000 | Wallonia | 1,218 m² | 1 · 80 m² | 8.6 m · 2 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 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,694 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
Founded22-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.