ISONATUR
ActiveISONATUR has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-11k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 94% of 7331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-96
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 8.89 against 4.24 in 2024; short-term debt: 10% and cash: 32.1% of total assets), and 10.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
89.9%
Return on assets
-36.4%
Age of the figures
9 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
24 d early
2023
8 d late
2022
31 d early
2021
67 d late
2020
8 d early
2019
182 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-11k
2024 · €11k
2018: €2k
2019: €-827
2020: €-2k
2021: €1k
2022: €8k
2023: €1k
2024: €11k
2018 → 2025
Working capital
€24k▼ 29.3%
2024 · €34k
2018: €7k
2019: €2k
2020: €5k
2021: €12k
2022: €20k
2023: €27k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€27k▲ 41.0%€28k▲ 4.6%€39k▲ 38.7%€28k▼ 28.8%
Operating result€3k-€12k▲ 321%€3k▼ 72.7%€13k▲ 324%€-11k
Net result€1k-€8k▲ 522%€1k▼ 84.1%€11k▲ 774%€-11k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€3k▼ 25.6%
Current assets
€27k▼ 39.1%
Equity and liabilities €31k
Equity
€28k▼ 28.8%
Debt
€3k▼ 71.0%
The debt ratio falls from 21.6% to 10.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▼
2024 · €14k
Cash flow
€-10k▼
2024 · €11k
Solvency
89.9%▲
2024 · 78.4%
Current ratio
8.89▲
2024 · 4.24
Quick ratio
5.09▲
2024 · 2.85
Debt / equity
0.11▼
2024 · 0.28
ROE
-40.5%▼
2024 · 27.9%
ROA
-36.4%▼
2024 · 21.9%
Interest coverage
-27.07▼
2024 · 33.91
Debt
€3k▼
2024 · €11k
Debt ≤ 1 year
€3k▼
2024 · €11k
Income taxes
€258▼
2024 · €2k
Staff costs
€2k▼
2024 · €4k
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€50k€31k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€200€405▲
Current assets29/58€45k€27k▼
Stocks and contracts in progress3€15k€12k▼
Stocks30/36€15k€12k▼
Amounts receivable within one year40/41€18k€5k▼
Trade receivables40€8k€667▼
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58€11k€10k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€50k€31k▼
Equity10/15€39k€28k▼
Contributions10/11€27k€27k=
Reserves13€157€157=
Non-distributable reserves130/1€157€157=
Reserves not available under the articles1311€157€157=
Profit (loss) carried forward14€11k€101▼
Amounts payable17/49€11k€3k▼
Amounts payable within one year42/48€11k€3k▼
Trade debts44€528€2k▲
Suppliers440/4€528€2k▲
Advances received on contracts in progress46€8k-
Taxes, remuneration and social security45€2k€611▼
Taxes450/3€2k€611▼
Other amounts payable47/48-€284
Accrued charges and deferred income492/3€36€7▼
Income statement
Code20242025
Non-recurring operating income76A€5k-
Remuneration, social security and pensions62€4k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€595€1k▲
Other operating charges640/8€318€709▲
Gross operating margin9900€18k€-7k▼
Operating profit (loss)9901€13k€-11k▼
Financial income75/76B€217€38▼
Recurring financial income75€217€38▼
Financial charges65/66B€412€344▼
Recurring financial charges65€412€344▼
Profit (loss) for the period before taxes9903€13k€-11k▼
Income taxes67/77€2k€258▼
Profit (loss) for the period9904€11k€-11k▼
Profit (loss) for the period to be appropriated9905€11k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€101▼
Profit (loss) brought forward from the previous period14P€467€11k▲
The notes to these accounts (6 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
31-12
Financial
Weakest financial yearnet €-11k ▼203%
Net result drops to €-11k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 8.89
Current ratio from 4.24 to 8.89; short-term debt falls from €11k to €3k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €11k ▲774%
Operating result €13k, net result €11k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.24
Current ratio from 1.72 to 4.24; short-term debt falls from €37k to €11k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 67 days late
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 182 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Gesves · 1 establishment unit since 2003
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 de la Sapinière 25340 GesvesGround area
1,949 m²
Building footprint
165 m²
Parcel 92054A0105/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de la Sapinière 2, 5340 Gesves
since 20032.126.909.003
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054A0105/00A000 | Wallonia | 1,949 m² | 1 · 165 m² | - |
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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A. Bek
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SERGIO CONCEPT
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,271 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-02-2003
Fiscal year end31-12
Abbreviation FR
E.C.E.P.
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.