ISOLEAD
ActiveThe computed 12-month bankruptcy probability of ISOLEAD is 2.6% (moderate). The 2025 annual accounts show equity of €86k and a net result of €46k. Its solvency ranks better than 43% of 27386 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency77▲+8
Growth78
Stability82
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 1.65 against 1.53 in 2024), but 59.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
40.9%
Return on assets
21.8%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
28 d late
2024
146 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€86k▲ 114%
2024 · €40k
2024: €40k
2024 → 2025
Total assets
€209k▲ 93.4%
2024 · €108k
2024: €108k
2024 → 2025
Net result
€46k▲ 40.2%
2024 · €33k
2024: €33k
2024 → 2025
Working capital
€81k▲ 125%
2024 · €36k
2024: €36k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€40k-€86k▲ 114%
Operating result€41k-€58k▲ 42.2%
Net result€33k-€46k▲ 40.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 42% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€5k▲ 17.2%
Current assets
€205k▲ 96.4%
Equity and liabilities €209k
Equity
€86k▲ 114%
Debt
€124k▲ 81.3%
The debt ratio falls from 63.0% to 59.1%: equity grows faster than debt.
Key figures and ratios
EBITDA
€59k▲
2024 · €43k
Cash flow
€47k▲
2024 · €35k
Solvency
40.9%▲
2024 · 37.0%
Current ratio
1.65▲
2024 · 1.53
Quick ratio
1.55▲
2024 · 1.28
Debt / equity
1.44▼
2024 · 1.70
ROE
53.3%▼
2024 · 81.3%
ROA
21.8%▼
2024 · 30.1%
Interest coverage
101.21▼
2024 · 926.46
Debt
€124k▲
2024 · €68k
Debt ≤ 1 year
€124k▲
2024 · €68k
Income taxes
€12k▲
2024 · €8k
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€108k€209k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€2k€2k▲
Current assets29/58€104k€205k▲
Stocks and contracts in progress3€17k€13k▼
Stocks30/36€17k€13k▼
Amounts receivable within one year40/41€45k€88k▲
Trade receivables40€29k€48k▲
Other amounts receivable41€16k€40k▲
Cash at bank and in hand54/58€41k€102k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€108k€209k▲
Equity10/15€40k€86k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€33k€78k▲
Amounts payable17/49€68k€124k▲
Amounts payable within one year42/48€68k€124k▲
Current portion of amounts payable after more than one year42-€23k
Trade debts44€57k€84k▲
Suppliers440/4€57k€84k▲
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€11k€11k=
Taxes450/3€9k€9k=
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€215€288▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Non-recurring operating charges66A-€916
Gross operating margin9900€43k€60k▲
Operating profit (loss)9901€41k€58k▲
Financial income75/76B€0€0=
Recurring financial income75€0€0=
Financial charges65/66B€47€585▲
Recurring financial charges65€47€585▲
Profit (loss) for the period before taxes9903€41k€57k▲
Income taxes67/77€8k€12k▲
Profit (loss) for the period9904€33k€46k▲
Profit (loss) for the period to be appropriated9905€33k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€78k▲
Profit (loss) brought forward from the previous period14P-€33k
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
07-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Merbes-le-Château · 1 establishment unit since 2024
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 du Bois de Malmarais(LAB) 186567 Merbes-le-ChâteauGround area
1,326 m²
Building footprint
108 m²
Volume, LiDAR
647 m³
Parcel 56038B0214/00P000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISOLEAD
since 20242.364.463.486
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56038B0214/00P000 | Wallonia | 1,326 m² | 1 · 108 m² | 7.8 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.
Similar companies · same sector, comparable size
Het Klussertje
BE 0836.283.916
Beernem · Eq €86k
BLEVI
BE 0476.669.777
Scherpenheuvel-Zichem · Eq €86k
ARTIBAT STAFF & STUC
BE 0820.168.355
Gembloux · Eq €86k
ONKELINX AFWERKING
BE 0550.534.980
Gingelom · Eq €86k
ECOFOAM
BE 0752.839.269
Brussel · Eq €86k
Of 4,243 companies in sector 43230 we hold annual accounts for 1,230. 1,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2024
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:office@isolead.be