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ISOTERA

Active
Private limited company (pre-2019)founded 2013active for 13 yearsIndustrieterrein Kanaal-Noord 1211, 3960 Bree, BelgiumKBO/BCE: BE 0503.864.322
Summary

ISOTERA has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €629,074 and a net result of €74,993. Equity is growing by about 27% per year across the filed financial years. Its solvency ranks better than 51% of 34,747 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
ISOTERAActiveChecked score 90/100
Risk analysis ReportCompare

Overview

Activity
Insulation installation
NACE 43230
1 site
Size
≈ €970,000turnover 2025, estimated
Staff
≈ 3.4 FTE, estimated
Equity
€629,074
Profit
€74,993
Turnover estimated from the gross margin
Financial health
90 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Holdings
1
2025 accounts 8 days early1 of 3 deeds summarised
Why 90raises risk1 of the last 3 lateSector: Specialised construction activities (NACE 43)lowers riskSize: total assets €1.3mFounded in 2013Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 40% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 72-16
equity 47.4% of total assets
Liquidity 50-19
short-term debt 36.3% · cash 13.5%
Profitability 76-6
return on assets 5.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,644 companies, NACE 43, micro)
Last 24 months 11-2024: 0.6%highest value 12-2024: 0.6%● unchanged vs 11-2024highest value 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.2%▼ -0.4 percentage points vs 01-2025 03-2025: 0.3%▲ +0.1 percentage points vs 02-2025 04-2025: 0.2%▼ -0.1 percentage points vs 03-2025 05-2025: 0.3%▲ +0.1 percentage points vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025 08-2025: 0.5%▲ +0.2 percentage points vs 07-2025 09-2025: 0.1%▼ -0.4 percentage points vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €55,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.88, compared with 1.29 in 2024, below 1; short-term debt: 36.3% and cash: 13.5% of total assets), and 52.6% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 51% on solvency, 44% on liquidity, 50% on profitability and 14% on growth.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €1.3m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · 1 of the last 3 late
NBB · filings
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Founded in 2013
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
8 days early
2024
20 days late
2023
61 days late
2022
49 days early
2021
33 days late
2020
23 days late
2019
27 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 15 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 August (4 of the last 5 filed years within 42 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Annual accounts filedfinancial year 2023 · abbreviated…

Key points

  • Positive: Among the best 5% on equitysector median €57,780 · 34,759 companies €629,074 View
  • Caution: Result fell in 2025from €157,153 to €74,993 ▼ 52.3% View
  • Positive: 8 profitable years in a rowprofit 2025: €74,993 8 years View

By topic

Financials

Financial year
2025
Total assets
€1.3m
Profit
€74,993
Solvency
47.4%
Total assets▼ 7.2%
Net result
20182025
Go to Financials

Timeline

Events
18
Since
2015
Next accounts
by 31-07-2027
  1. 31-12-2023Highest result from 2018 to 2025
  2. 12-06-2023Annual accounts filed
  3. 06-01-2023Appointment: Geelissen Myriam (director)
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Insulation installationNACE 43230
Founded
30-01-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about ISOTERA

What is the company number of ISOTERA?
0503.864.322. In Belgium the VAT number is the company number with BE in front: BE 0503.864.322.
Where is ISOTERA based?
The registered office is at Industrieterrein Kanaal-Noord 1211, 3960 Bree.Company details
What does ISOTERA do?
According to the KBO register, the main activity is insulation installation (NACE 43230).
What is the legal form of ISOTERA?
Private limited company (pre-2019) (BVBA).
When was ISOTERA founded?
On 30-01-2013.
Is ISOTERA still active?
Yes, ISOTERA is an active enterprise in the KBO register.
How many employees does ISOTERA have?
On average 2.2 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
What is the turnover of ISOTERA?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is ISOTERA profitable?
In financial year 2025, ISOTERA made a profit of €74,993.
Where can I find the annual accounts of ISOTERA?
ISOTERA filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ISOTERA due?
By 31-07-2027, for financial year 2026.Timeline

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