ISOLPRO
ActiveSummary
ISOLPRO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €589k and a net result of €88k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+75
Solvency87▼-13
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 7.59 in 2024; short-term debt: 35.3% and cash: 25.6% of total assets), and 38.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
61.6%
Return on assets
9.2%
Age of the figures
9 mo
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 07-04-2026, 115 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
115 d early
2024
37 d early
2023
36 d early
2022
34 d early
2021
27 d early
2020
32 d early
2019
35 d early
← 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, abbreviated schema
Equity
€589k▼ 13.8%
2024 · €683k
2018: €246k
2019: €239k
2020: €422k
2021: €531k
2022: €638k
2023: €772k
2024: €683k
2018 → 2025
Total assets
€957k▲ 23.5%
2024 · €775k
2018: €604k
2019: €609k
2020: €671k
2021: €806k
2022: €980k
2023: €981k
2024: €775k
2018 → 2025
Net result
€88k
2024 · €-88k
2018: €-2k
2019: €-7k
2020: €182k
2021: €109k
2022: €107k
2023: €133k
2024: €-88k
2018 → 2025
Working capital
€531k▼ 12.3%
2024 · €605k
2018: €231k
2019: €213k
2020: €401k
2021: €515k
2022: €565k
2023: €708k
2024: €605k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€531k-€638k▲ 20.2%€772k▲ 20.8%€683k▼ 11.4%€589k▼ 13.8%
Operating result€147k-€150k▲ 2.1%€165k▲ 9.4%€-97k€91k
Net result€109k-€107k▼ 1.8%€133k▲ 24.1%€-88k€88k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €91k after a loss of €97k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €957k
Fixed assets
€88k ▲ 12.9%
Current assets
€869k ▲ 24.6%
Equity and liabilities €957k
Equity
€589k ▼ 13.8%
Debt
€368k ▲ 300%
Debt's share of the balance-sheet total rises from 11.9% to 38.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€136k▲
2024 · €-55k
Cash flow
€134k▲
2024 · €-47k
Current ratio
2.57▼
2024 · 7.59
Quick ratio
1.81▼
2024 · 4.20
Debt to equity
0.62▲
2024 · 0.13
ROE
14.9%▲
2024 · -12.9%
ROA
9.2%▲
2024 · -11.4%
Interest coverage
28.62▲
2024 · -17.25
Debt ≤ 1 year
€338k▲
2024 · €92k
Debt > 1 year
€30k▲
2024 · €0
Income taxes
€9k▲
2024 · €506
Staff costs
€420k▼
2024 · €498k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€775k€957k▲
Fixed assets21/28€78k€88k▲
Tangible fixed assets22/27€78k€88k▲
Land and buildings22€446€0▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€71k€83k▲
Current assets29/58€697k€869k▲
Stocks and contracts in progress3€312k€258k▼
Stocks30/36€312k€258k▼
Amounts receivable within one year40/41€302k€349k▲
Trade receivables40€248k€276k▲
Other amounts receivable41€54k€73k▲
Cash at bank and in hand54/58€79k€245k▲
Deferred charges and accrued income490/1€4k€17k▲
Equity and liabilities
Total equity and liabilities10/49€775k€957k▲
Equity10/15€683k€589k▼
Contributions10/11€20k€20k=
Reserves13€663k€569k▼
Distributable reserves133€663k€569k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€92k€368k▲
Amounts payable after more than one year17€0€30k▲
Financial debts170/4€0€30k▲
Amounts payable within one year42/48€92k€338k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43-€7k
Credit institutions430/8-€7k
Trade debts44€73k€120k▲
Suppliers440/4€73k€120k▲
Taxes, remuneration and social security45€10k€21k▲
Taxes450/3€3k€0▼
Remuneration and social security454/9€7k€21k▲
Other amounts payable47/48-€182k
Income statement
Code20242025
Non-recurring operating income76A€269€5k▲
Remuneration, social security and pensions62€498k€420k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€46k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€449k€561k▲
Operating profit (loss)9901€-97k€91k▲
Financial income75/76B€12k€11k▼
Recurring financial income75€12k€11k▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€-88k€97k▲
Income taxes67/77€506€9k▲
Profit (loss) for the period9904€-88k€88k▲
Profit (loss) for the period to be appropriated9905€-88k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-88k€88k▲
Transfer from equity791/2€88k€182k▲
Transfer to equity691/2€0€88k▲
To other reserves6921€0€88k▲
Profit to be distributed694/7-€182k
Return on contributions (dividend)694-€182k
Social balance
Average headcount (FTE)90878.88.0▼
The notes to these accounts (17 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €88k
Net result €88k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-88k
Net result drops to €-88k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €531k ▲25.9%
2 profitable years in a row build equity to €531k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €182k
Net result €182k after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Lubbeek · 1 establishment unit since 2006
Ground area
3,859 m²
Building footprint
1,780 m²
Volume, LiDAR
16,909 m³
Parcel 24066B0215/00N000, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ISOLPRO
since 20062.155.559.734
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066B0215/00N000 | Flanders | 3,859 m² | 1 · 1,780 m² | 10.2 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 212 EUR awarded · 212 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 212 EUR | 212 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
3 categoriesISOLPRO BV39169
Similar companies · same sector, comparable size
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CHASSIS ERNST
BE 0423.966.808
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OXIRA
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T&T COOLING
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Dendermonde · Eq €598k
Of 4,271 companies in sector 43230 we hold annual accounts for 1,240. 690 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
Founded27-06-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.