ISOLMUR & CO

Active

Private limited company (pre-2019)founded 20197 yrs activeRue des Makets 18, 4101 Seraing, BelgiumKBO/BCE: BE 0721.632.686

Summary

The computed 12-month bankruptcy probability of ISOLMUR & CO is 2.1% (moderate). The 2025 annual accounts show equity of €48k and a net result of €702. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 14% of 7777 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

35 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability24▼-10

Solvency38=

Growth78=

Track record100

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days only on tighter terms

Liquidity tight (current ratio 1.15 against 1.15 in 2024; short-term debt: 87.3% and cash: 3.7% of total assets), and 87.3% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

12.7%

Return on assets

0.2%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7777 sector peers (2025).

NBB · sector comparison

Position among 7777 sector peers

Solvency

better than 14%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filings

Deviation from the deadline

2025

31 d late

2024

29 d late

2023

4 d early

2022

3 d early

2021

4 d early

2020

2 d early

2019

53 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€702▼ 91.3%

2024 · €8k

2019: €537 2020: €4k 2021: €8k 2022: €6k 2023: €1k 2024: €8k

2019 → 2025

Working capital

€48k▲ 2.1%

2024 · €47k

2019: €18k 2020: €22k 2021: €31k 2022: €38k 2023: €39k 2024: €47k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€32k-€38k▲ 20.0%€39k▲ 3.2%€47k▲ 20.6%€48k▲ 1.5%

Operating result€29k-€20k▼ 32.6%€13k▼ 33.6%€32k▲ 143%€4k▼ 87.8%

Net result€8k-€6k▼ 25.0%€1k▼ 81.0%€8k▲ 570%€702▼ 91.3%

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 88% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €379k

100.0%

Fixed assets €169 ▼ 64.2%

Current assets €379k ▲ 3.4%

Equity and liabilities €379k

12.7%

87.3%

Equity €48k ▲ 1.5%

Debt €331k ▲ 3.5%

Debt's share of the balance-sheet total rises from 87.1% to 87.3%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€4k▼

2024 · €32k

Cash flow

€1k▼

2024 · €8k

Current ratio

1.15▼

2024 · 1.15

Quick ratio

0.80▲

2024 · 0.79

Debt to equity

6.87▲

2024 · 6.73

ROE

1.5%▼

2024 · 17.1%

ROA

0.2%▼

2024 · 2.2%

Interest coverage

0.63▼

2024 · 1.52

Debt ≤ 1 year

€331k▲

2024 · €319k

Income taxes

€466▼

2024 · €3k

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 · 40 lines

Balance sheet Code20242025

Assets

Total assets20/58€367k€379k▲

Fixed assets21/28€471€169▼

Tangible fixed assets22/27€471€169▼

Plant, machinery and equipment23€471€169▼

Current assets29/58€366k€379k▲

Stocks and contracts in progress3€115k€113k▼

Stocks30/36€115k€113k▼

Amounts receivable within one year40/41€193k€202k▲

Trade receivables40€167k€189k▲

Other amounts receivable41€27k€12k▼

Cash at bank and in hand54/58€58k€14k▼

Deferred charges and accrued income490/1-€50k

Equity and liabilities

Total equity and liabilities10/49€367k€379k▲

Equity10/15€47k€48k▲

Contributions10/11€19k€19k=

Reserves13€27€27=

Non-distributable reserves130/1€27€27=

Reserves not available under the articles1311€27€27=

Profit (loss) carried forward14€29k€30k▲

Amounts payable17/49€319k€331k▲

Amounts payable within one year42/48€319k€331k▲

Trade debts44€210k€215k▲

Suppliers440/4€210k€215k▲

Taxes, remuneration and social security45€3k€466▼

Taxes450/3€3k€466▼

Other amounts payable47/48€106k€115k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€302€302=

Other operating charges640/8-€252

Gross operating margin9900€32k€4k▼

Operating profit (loss)9901€32k€4k▼

Financial income75/76B€435€4k▲

Recurring financial income75€435€4k▲

Financial charges65/66B€21k€7k▼

Recurring financial charges65€21k€7k▼

Profit (loss) for the period before taxes9903€11k€1k▼

Income taxes67/77€3k€466▼

Profit (loss) for the period9904€8k€702▼

Profit (loss) for the period to be appropriated9905€8k€702▼

Appropriation of the result

Profit (loss) to be appropriated9906€29k€30k▲

Profit (loss) brought forward from the previous period14P€21k€29k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 1Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 31 days late

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 29 days late

2024

27-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

28-07

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

27-07

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-12

Financial Highest result since 2019net €8k ▲104%

Net result €8k, the highest in the series.

29-07

NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

22-09

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 53 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, Seraing · 1 establishment unit since 2019

establishment The establishment unit on the map

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 des Makets 184101 Seraing

Ground area

66 m²

Building footprint

29 m²

Volume, LiDAR

219 m³

Parcel 62058A0034/00G000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

ISOLMUR & CO

Rue des Makets 18, 4101 SeraingOther cleaning activities

since 20192.289.588.691

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62058A0034/00G000	Wallonia	66 m²	1 · 29 m²	8.3 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

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BE 1017.862.075

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PRESTIGE PLATRE

BE 1025.370.964

Bastogne · Eq €47,966

VETRO

BE 0883.482.037

Wezembeek-Oppem · Eq €47,960

Farciennes · Eq €47,890

Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,515 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 (pre-2019)

Founded27-02-2019

Fiscal year end31-12

Activities, NACEBEL 2025

43310Plastering work

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.