Active Building Isolation
Open bankruptcyA bankruptcy procedure is open for Active Building Isolation according to publications in the Belgian State Gazette; curator: KARL STEINIER.
Summary
The 2024 annual accounts show equity of €262,629 and a net result of €9,317.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Liège, Namur division
- Declared bankrupt
- 23 February 2026
- Supervising judge
- Nadia Ajvazov
- Official Gazette
- 03-03-2026 (pdf) ↗search the document for 2026/108727
Deadlines
- Appeal or third-party opposition until
- passed on 18 March 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 25 March 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 3 April 2026Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- 23 February 2027Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Karl SteinierRue ThéMis 10 Bte 32, 5000 Namurk.steinier@wallaw.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 1295 sector peers (2024).
NBB · sector comparisonPosition among 1295 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
26 d late
2023
20 d early
2022
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 1 day after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Are there other customers at risk in your own list?List enrichment How is the General construction of residential buildings sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9,317▼ 84.0%
2023 · €58,281
Working capital
-€835,725▼ 57.6%
2023 · -€530,415
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202220232024
Operating result€141,802-€141,190▼ 0.4%-€208,917
Net result€95,032within the sector's middle half-€58,281within the sector's middle half▼ 38.7%€9,317within the sector's middle half▼ 84.0%
Equity€195,032within the sector's middle half-€253,313within the sector's middle half▲ 29.9%€262,629within the sector's middle half▲ 3.7%
Total assets€984,614within the sector's middle half-€2.8mwithin the sector's middle half▲ 181%€4.2mwithin the sector's middle half▲ 52.0%
Debt€789,583-€2.5m▲ 217%€3.9m▲ 57.1%
Working capital€242,078within the sector's middle half--€530,415below the sector's middle half-€835,725below the sector's middle half▼ 57.6%
Solvency19.8%within the sector's middle half-9.2%below the sector's middle half▼ 10.7pp6.2%below the sector's middle half▼ 2.9pp
Current ratio1.41within the sector's middle half-0.65below the sector's middle half▼ 0.760.69below the sector's middle half▲ 0.03
Return on assets (ROA)9.7%within the sector's middle half-2.1%within the sector's middle half▼ 7.5pp0.2%within the sector's middle half▼ 1.9pp
Staff (FTE)3.8below the sector's middle half-10within the sector's middle half▲ 163%33.7within the sector's middle half▲ 237%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €208,917 after €141,190 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.2m
Fixed assets
€2.4m ▲ 33.6%
Current assets
€1.8m ▲ 84.3%
Equity and liabilities €4.2m
Equity
€262,629 ▲ 3.7%
Provisions
€5,579 ▼ 32.8%
Debt
€3.9m ▲ 57.1%
Debt's share of the balance-sheet total rises from 90.5% to 93.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€97,907▼
2023 · €246,246
Cash flow
€316,141▲
2023 · €163,337
Quick ratio
0.40▼
2023 · 0.53
Debt to equity
14.99▲
2023 · 9.89
ROE
3.5%▼
2023 · 23.0%
Interest coverage
0.87▼
2023 · 4.21
Debt ≤ 1 year
€2.7m▲
2023 · €1.5m
Debt > 1 year
€1.3m▲
2023 · €972,974
Income taxes
€23,117▼
2023 · €25,000
Staff costs
€2.1m▲
2023 · €555,976
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €217,239 | €555,976 | €2.1m | ▲ 283% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43,431 | €105,056 | €306,824 | ▲ 192% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €10,781 | €1,866 | ▼ 82.7% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €8,307 | €3,947 | ▼ 52.5% |
| Other operating charges640/8 | €695 | €14,875 | €17,706 | ▲ 19.0% |
| Non-recurring operating charges66A | - | - | €1,653 | - |
| Gross operating margin9900 | €403,167 | €836,185 | €2.3m | ▲ 169% |
| Operating profit (loss)9901 | €141,802 | €141,190 | -€208,917 | ▼ 248% |
| Financial income75/76B | - | €522 | €353,942 | ▲ 67,744% |
| Recurring financial income75 | - | €522 | €353,942 | ▲ 67,744% |
| Financial charges65/66B | €13,533 | €58,431 | €112,591 | ▲ 92.7% |
| Recurring financial charges65 | €13,533 | €58,431 | €112,591 | ▲ 92.7% |
| Profit (loss) for the period before taxes9903 | €128,268 | €83,281 | €32,434 | ▼ 61.1% |
| Income taxes67/77 | €33,237 | €25,000 | €23,117 | ▼ 7.5% |
| Profit (loss) for the period9904 | €95,032 | €58,281 | €9,317 | ▼ 84.0% |
| Profit (loss) for the period to be appropriated9905 | €95,032 | €58,281 | €9,317 | ▼ 84.0% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €984,614 | €2.8m | €4.2m | ▲ 52.0% |
| Fixed assets21/28 | €150,974 | €1.8m | €2.4m | ▲ 33.6% |
| Intangible fixed assets21 | €34,400 | €54,918 | €237,672 | ▲ 333% |
| Tangible fixed assets22/27 | €110,274 | €610,091 | €1.0m | ▲ 67.2% |
| Plant, machinery and equipment23 | €44,333 | €120,695 | €322,396 | ▲ 167% |
| Furniture and vehicles24 | €24,700 | €70,321 | €109,638 | ▲ 55.9% |
| Leasing and similar rights25 | €41,241 | €419,075 | €587,964 | ▲ 40.3% |
| Financial fixed assets28 | €6,300 | €1.1m | €1.1m | = |
| Current assets29/58 | €833,640 | €1.0m | €1.8m | ▲ 84.3% |
| Stocks and contracts in progress3 | €37,646 | €188,391 | €784,058 | ▲ 316% |
| Stocks30/36 | €37,646 | €188,391 | €482,739 | ▲ 156% |
| Contracts in progress37 | - | - | €301,319 | - |
| Amounts receivable within one year40/41 | €455,253 | €689,799 | €683,575 | ▼ 0.9% |
| Trade receivables40 | €419,441 | €574,274 | €563,417 | ▼ 1.9% |
| Other amounts receivable41 | €35,812 | €115,525 | €120,158 | ▲ 4.0% |
| Current investments50/53 | - | €8,307 | €5,579 | ▼ 32.8% |
| Cash at bank and in hand54/58 | €323,721 | €58,156 | €298,509 | ▲ 413% |
| Deferred charges and accrued income490/1 | €17,021 | €57,348 | €75,446 | ▲ 31.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €984,614 | €2.8m | €4.2m | ▲ 52.0% |
| Equity10/15 | €195,032 | €253,313 | €262,629 | ▲ 3.7% |
| Contributions10/11 | €100,000 | €100,000 | €100,000 | = |
| Profit (loss) carried forward14 | €95,032 | €153,313 | €162,629 | ▲ 6.1% |
| Provisions and deferred taxes16 | - | €8,307 | €5,579 | ▼ 32.8% |
| Provisions for liabilities and charges160/5 | - | €8,307 | €5,579 | ▼ 32.8% |
| Other liabilities and charges164/5 | - | €8,307 | €5,579 | ▼ 32.8% |
| Amounts payable17/49 | €789,583 | €2.5m | €3.9m | ▲ 57.1% |
| Amounts payable after more than one year17 | €113,263 | €972,974 | €1.3m | ▲ 28.9% |
| Financial debts170/4 | €113,263 | €972,974 | €1.3m | ▲ 28.9% |
| Amounts payable within one year42/48 | €591,562 | €1.5m | €2.7m | ▲ 75.1% |
| Current portion of amounts payable after more than one year42 | €43,569 | €188,567 | €331,034 | ▲ 75.6% |
| Financial debts43 | - | €235,000 | €850,000 | ▲ 262% |
| Credit institutions430/8 | - | €235,000 | €850,000 | ▲ 262% |
| Trade debts44 | €497,408 | €705,579 | €1.0m | ▲ 45.4% |
| Suppliers440/4 | €497,408 | €705,579 | €1.0m | ▲ 45.4% |
| Taxes, remuneration and social security45 | €50,586 | €130,646 | €363,838 | ▲ 178% |
| Taxes450/3 | €34,709 | €30,657 | €43,971 | ▲ 43.4% |
| Remuneration and social security454/9 | €15,877 | €99,988 | €319,866 | ▲ 220% |
| Other amounts payable47/48 | - | €272,625 | €111,813 | ▼ 59.0% |
| Accrued charges and deferred income492/3 | €84,757 | €0 | - | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €95,032 | €58,281 | €9,317 | ▼ 84.0% |
| + Depreciation and write-downs630 | €43,431 | €105,056 | €306,824 | ▲ 192% |
| Operating cash flow (approximation) | €138,463 | €163,337 | €316,141 | ▲ 93.6% |
| Investment in fixed assets (approximation) | - | -€1.7m | -€899,485 | ▲ 47.7% |
| Change in cash | - | -€265,565 | €240,353 | ▲ 191% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
03-03
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Namur · event 23-02-2026
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €9,317 ▼84%
Net result drops to €9,317, the lowest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €200,000Eq €253,313 ▲29.9%
2 profitable years in a row build equity to €253,313.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Fernelmont · 1 establishment unit since 2021
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 Georges Cosse, ZI, Nov. 85380 Fernelmont1 establishment unit
Rue des Fagotis, ZI, Nov. 3A, 5380 Fernelmont
since 20212.321.364.705
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | KARL STEINIER RUE THéMIS 10 BTE 32, 5000 NAMUR- |
23-02-2026 → present |
Structure & network
Owners and holdings
1 owner · 1 holdingOwners 1
-
50%
Holdings 1
-
100%
According to the 2024 annual accounts of Active Building Isolation and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
254900Q2EPOL4SLVRY07
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,056. 11,371 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-08-2021
Fiscal year end31-12
Abbreviation FR
AB Isolation
Activities, NACEBEL 2025
41001General construction of residential buildings
71111Activities of building architects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0772905007
Registered
06-01-2026
The company is no longer active; its Peppol card can remain until its access point withdraws it.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.