A+ Isolatie
ActiveA+ Isolatie has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €274. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 65% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-3
Solvency86▲+23
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.5 against 1.8 in 2024; short-term debt: 27.3% and cash: 24.8% of total assets), and 39% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
51 d late
2023
5 d early
2022
26 d early
2021
3 d late
2020
33 d late
2019
151 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▲ 0.9%
2024 · €31k
2019: €-1k
2020: €7k
2021: €19k
2022: €43k
2023: €29k
2024: €31k
2019 → 2025
Total assets
€51k▼ 37.6%
2024 · €81k
2019: €119k
2020: €78k
2021: €91k
2022: €146k
2023: €119k
2024: €81k
2019 → 2025
Net result
€274▼ 86.4%
2024 · €2k
2019: €900
2020: €2k
2021: €12k
2022: €23k
2023: €-14k
2024: €2k
2019 → 2025
Working capital
€34k▲ 17.0%
2024 · €29k
2019: €-3k
2020: €6k
2021: €16k
2022: €33k
2023: €24k
2024: €29k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€43k▲ 121%€29k▼ 33.3%€31k▲ 7.1%€31k▲ 0.9%
Operating result€21k-€31k▲ 44.9%€-13k€2k€-193
Net result€12k-€23k▲ 88.5%€-14k€2k€274▼ 86.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €193 after €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€2k▼ 84.3%
Current assets
€48k▼ 27.2%
Equity and liabilities €51k
Equity
€31k▲ 0.9%
Debt
€20k▼ 60.9%
The debt ratio falls from 62.2% to 39.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €16k
Cash flow
€11k▼
2024 · €16k
Solvency
61.0%▲
2024 · 37.8%
Current ratio
3.50▲
2024 · 1.80
Quick ratio
3.01▲
2024 · 1.64
Debt / equity
0.64▼
2024 · 1.65
ROE
0.9%▼
2024 · 6.6%
ROA
0.5%▼
2024 · 2.5%
Interest coverage
21.76▼
2024 · 24.26
Debt
€20k▼
2024 · €50k
Debt ≤ 1 year
€14k▼
2024 · €37k
Debt > 1 year
€6k▼
2024 · €14k
Income taxes
€148▲
2024 · €145
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€81k€51k▼
Fixed assets21/28€15k€2k▼
Tangible fixed assets22/27€13k€2k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€9k-
Financial fixed assets28€2k-
Current assets29/58€66k€48k▼
Stocks and contracts in progress3€6k€7k▲
Stocks30/36€6k€7k▲
Amounts receivable within one year40/41€43k€27k▼
Trade receivables40€32k€24k▼
Other amounts receivable41€12k€4k▼
Cash at bank and in hand54/58€15k€13k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€81k€51k▼
Equity10/15€31k€31k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€12k€12k▲
Amounts payable17/49€50k€20k▼
Amounts payable after more than one year17€14k€6k▼
Financial debts170/4€14k€6k▼
Amounts payable within one year42/48€37k€14k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€29k€6k▼
Suppliers440/4€29k€6k▼
Taxes, remuneration and social security45€145€231▲
Taxes450/3€145€231▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€11k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8€3k€178▼
Gross operating margin9900€18k€17k▼
Operating profit (loss)9901€2k€-193▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€649€480▼
Recurring financial charges65€649€480▼
Profit (loss) for the period before taxes9903€2k€422▼
Income taxes67/77€145€148▲
Profit (loss) for the period9904€2k€274▼
Profit (loss) for the period to be appropriated9905€2k€274▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€12k▲
Profit (loss) brought forward from the previous period14P€10k€12k▲
The notes to these accounts (9 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 51 days late
2024
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-14k ▼161%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €23k ▲88.5%
Operating result €31k, net result €23k, both a record.
03-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 33 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 151 days late
30-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 516 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bilzen-Hoeselt · 1 establishment unit since 2010
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.
Boomstraat 163740 Bilzen-HoeseltGround area
730 m²
Building footprint
130 m²
Volume, LiDAR
782 m³
Parcel 73006F0398/00X000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A+ ISOLATIE
since 20102.187.302.587
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006F0398/00X000 | Flanders | 730 m² | 1 · 130 m² | 8.4 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.
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FAF NEDJO
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HARDIQUEST TOITURES
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CMH CONSTRUCT STEEL
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 960 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2010
Fiscal year end30-06
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
42110Construction of roads and motorways
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.