Age2 yrs
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of ISONEST is 3.1% (moderate). The 2024 annual accounts show equity of €27k and a net result of €7k. Its solvency ranks better than 27% of 498 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-05-2025, 70 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 22-05-2025 | 70 d early | 2025-00101876 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.1%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€7k
Working capital€16k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 22-05-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 20.5% | 36.6% | |
| Net result | €7k | €19k | |
| Equity | €27k | €90k | |
| Gross operating margin | €12k | €110k | |
| Total assets | €131k | €364k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | €12k |
| Net profit | €7k |
| Cash flow | €9k |
| Staff costs | - |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €131k |
| Equity | €27k |
| Debt | €105k |
| of which ≤ 1y | €103k |
| of which > 1y | - |
| Working capital | €16k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.16 |
| Quick ratio | 1.10 |
| Working capital ratio | 12.5% |
| Solvency | 20.5% |
| Debt / equity | 3.89 |
| Long-term debt ratio | - |
| Interest coverage | 27.31 |
| Gross margin | - |
| Net margin | - |
| ROA | 5.2% |
| ROE | 25.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €131k |
| Fixed assets | 21/28 | €12k |
| Intangible fixed assets | 21 | €12k |
| Current assets | 29/58 | €119k |
| Stocks & contracts in progress | 3 | €6k |
| Amounts receivable within one year | 40/41 | €28k |
| Cash & bank | 54/58 | €78k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €131k |
| Equity | 10/15 | €27k |
| Contributions / capital | 10/11 | €20k |
| Accumulated profits (losses) | 14 | €7k |
| Amounts payable | 17/49 | €105k |
| Amounts payable within one year | 42/48 | €103k |
| Trade debts payable within one year | 44 | €48k |
| Income statement | ||
| Gross operating margin | 9900 | €12k |
| Operating result | 9901 | €10k |
| Financial charges | 65 | €428 |
| Result before taxes | 9903 | €9k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed68
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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 Léopold Genicot, ZI, Nov. 55380 FernelmontEstablishment units
1 locationISONEST
since 20242.355.436.152
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Address history · 1
24-09-2025
Registered-office move
All acts · 1
updated 10 months ago
2025
24-09-2025 Registered office moved from Gembloux to Fernelmont
- Rue des Orchidées 16- 5030 Gembloux → Rue Léopold Genicot 5 à 5380 Fernelmont
Analysis
Snowflake analysis
financial profile on 5 axes66
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
68
Profitability
100
Solvency
29
Growth
-
Stability
67
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Credit advice
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Company registry
Company registry (CBE)
Crossroads BankActivities
Installatie van isolatie43230Isolatiewerkzaamheden43291Overige bouwinstallatie43240Overige bouwinstallatie, n.e.g.43299Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999
Primary activity highlighted.
Names & trade names
| Legal nameFR | ISONEST |
Registered office
Rue Léopold Genicot, ZI, Nov. 5
5380 Fernelmont, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.