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AD@ISO

Active
Private limited companyfounded 201214 yrs activePastoor Praillestraat 28, 2590 Berlaar, BelgiumKBO/BCE: BE 0842.698.881
Summary

AD@ISO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67,368 and a net result of €40,937. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 33943 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
AD@ISOActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Insulation installation
NACE 43230NACE 43291
1 site
Size
€195,228total assets 2025
Equity
€67,368
Profit
€40,937
Turnover not published (abridged schema)
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Accounts 60 d early1 of 7 deeds read
Why 85- Sector Specialised construction activities (NACE 43)- Liquidity: current ratio 1.62, cash €7,911+ Founded in 2012+ Figures for FY 2025 (filed 01-06-2026)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 56% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 60+20
equity 34.5% of total assets
Liquidity 23+16
short-term debt 61.5% · cash 4.1%
Profitability 95+95
return on assets 21.0%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,515 companies)
Last 24 months 11-2024: 1.9% 12-2024: 1.9%● 0.0% vs 11-2024 01-2025: 1.9%● 0.0% vs 12-2024 02-2025: 1.9%● 0.0% vs 01-2025 03-2025: 1.9%● 0.0% vs 02-2025 04-2025: 2.2%▲ +13.4% vs 03-2025highest value 05-2025: 1.0%▼ -53.0% vs 04-2025 06-2025: 1.0%▼ -4.4% vs 05-2025 07-2025: 1.3%▲ +30.7% vs 06-2025 08-2025: 1.3%● 0.0% vs 07-2025 09-2025: 1.3%● 0.0% vs 08-2025 10-2025: 1.3%● 0.0% vs 09-2025 11-2025: 1.3%● 0.0% vs 10-2025 12-2025: 1.3%● 0.0% vs 11-2025 01-2026: 1.3%▼ -0.1% vs 12-2025 02-2026: 1.3%● 0.0% vs 01-2026 03-2026: 1.3%● 0.0% vs 02-2026 04-2026: 1.3%● 0.0% vs 03-2026 05-2026: 1.3%▼ -3.3% vs 04-2026 06-2026: 1.2%▼ -2.6% vs 05-2026 07-2026: 0.4%▼ -68.4% vs 06-2026lowest value 08-2026: 0.4%● 0.0% vs 07-2026lowest value 09-2026: 0.4%● 0.0% vs 08-2026lowest value 10-2026: 0.4%● 0.0% vs 09-2026lowest value
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Founded in 2012 lowers the probability for this profile
  • Liquidity: current ratio 1.62, cash €7,911 raises the probability
  • Figures for FY 2025 (filed 01-06-2026) lowers the probability
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.23 in 2024; short-term debt: 61.5% and cash: 4.1% of total assets), but 65.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 36%, liquidity 13%, profitability 81%, growth against the median 94%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 2012
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Liquidity: current ratio 1.62, cash €7,911
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 01-06-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
60 d early
2024
51 d early
2023
55 d early
2022
54 d early
2021
62 d early
2020
72 d early
2019
52 d early
← 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 58 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 7 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Resignation: Kathleen De Wilde (director)State Gazette act
  2. Annual accounts filedfiscal year 2025 · micro…
  3. Back to profitnet €40,937

Key points

  • Positive: Back in profit in 2025after -€36,500 in 2024 €40,937 View
  • Positive: Among the best 18% on net resultsector median €10,146 · 33,931 companies €40,937 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • A director leftlatest change 30-09-2026 · 0 in office 1 left View

By topic

Financials

Fiscal year
2025
Total assets
€195,228
Profit
€40,937
Solvency
34.5%
Total assets▲ 13.1%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 01-10-2026Resignation: Kathleen De Wilde (director)
  2. 01-06-2026Annual accounts filed
  3. 31-12-2025Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Insulation installationNACE 43230
Founded
11-01-2012
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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