D&D Isoltechnics
ActiveD&D Isoltechnics has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €608k and a net result of €-284k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 37% of 2039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-11
Solvency58▼-14
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Liquidity tight (current ratio 1.38 against 1.67 in 2024; short-term debt: 64.7% and cash: 9.7% of total assets), and 66.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-284k
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
13 d late
2023
16 d early
2022
2 d early
2021
on the day
2020
1 d early
2019
53 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-284k▼ 133%
2024 · €-122k
2018: €9k
2019: €47k
2020: €302k
2021: €152k
2022: €15k
2023: €14k
2024: €-122k
2018 → 2025
Working capital
€448k▼ 29.7%
2024 · €638k
2018: €583k
2019: €651k
2020: €712k
2021: €1.11M
2022: €971k
2023: €765k
2024: €638k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€985k-€1.00M▲ 1.6%€1.01M▲ 1.4%€892k▼ 12.0%€608k▼ 31.9%
Operating result€211k-€22k▼ 89.7%€36k▲ 63.0%€-124k€-266k▼ 115%
Net result€152k-€15k▼ 89.9%€14k▼ 10.2%€-122k€-284k▼ 133%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €266k in 2025 against €124k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.81M
Fixed assets
€192k▼ 38.6%
Current assets
€1.62M▲ 1.7%
Equity and liabilities €1.81M
Equity
€608k▼ 31.9%
Debt
€1.21M▲ 18.7%
The debt ratio rises from 53.3% to 66.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-133k▼
2024 · €2k
Cash flow
€-151k▼
2024 · €4k
Solvency
33.5%▼
2024 · 46.7%
Current ratio
1.38▼
2024 · 1.67
Quick ratio
1.28▼
2024 · 1.54
Debt / equity
1.99▲
2024 · 1.14
ROE
-46.8%▼
2024 · -13.7%
ROA
-15.7%▼
2024 · -6.4%
Interest coverage
-5.91▼
2024 · 0.08
Debt
€1.21M▲
2024 · €1.02M
Debt ≤ 1 year
€1.17M▲
2024 · €957k
Debt > 1 year
€23k▼
2024 · €50k
Income taxes
€700▼
2024 · €1k
Staff costs
€2.68M▲
2024 · €2.56M
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€1.91M€1.81M▼
Fixed assets21/28€314k€192k▼
Intangible fixed assets21€54k€35k▼
Tangible fixed assets22/27€259k€157k▼
Land and buildings22€37k€0▼
Plant, machinery and equipment23€82k€51k▼
Furniture and vehicles24€141k€105k▼
Financial fixed assets28€246€246=
Current assets29/58€1.60M€1.62M▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Stocks and contracts in progress3€123k€116k▼
Stocks30/36€123k€116k▼
Amounts receivable within one year40/41€933k€1.32M▲
Trade receivables40€876k€1.18M▲
Other amounts receivable41€57k€141k▲
Cash at bank and in hand54/58€445k€175k▼
Deferred charges and accrued income490/1€94k€10k▼
Equity and liabilities
Total equity and liabilities10/49€1.91M€1.81M▼
Equity10/15€892k€608k▼
Contributions10/11€125k€125k=
Capital10€125k€125k=
Issued capital100€125k€125k=
Reserves13€28k€28k=
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€739k€455k▼
Amounts payable17/49€1.02M€1.21M▲
Amounts payable after more than one year17€50k€23k▼
Financial debts170/4€50k€23k▼
Amounts payable within one year42/48€957k€1.17M▲
Current portion of amounts payable after more than one year42€77k€27k▼
Financial debts43€467k€550k▲
Credit institutions430/8€467k€550k▲
Trade debts44€342k€425k▲
Suppliers440/4€342k€425k▲
Taxes, remuneration and social security45€63k€161k▲
Taxes450/3€7k€9k▲
Remuneration and social security454/9€55k€152k▲
Other amounts payable47/48€10k€10k▼
Accrued charges and deferred income492/3€10k€10k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2.56M€2.68M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€126k€133k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€18k€20k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€2.58M€2.57M▼
Operating profit (loss)9901€-124k€-266k▼
Financial income75/76B€28k€5k▼
Recurring financial income75€28k€5k▼
Financial charges65/66B€25k€22k▼
Recurring financial charges65€25k€22k▼
Profit (loss) for the period before taxes9903€-121k€-284k▼
Income taxes67/77€1k€700▼
Profit (loss) for the period9904€-122k€-284k▼
Profit (loss) for the period to be appropriated9905€-122k€-284k▼
Appropriation of the result
Profit (loss) to be appropriated9906€739k€455k▼
Profit (loss) brought forward from the previous period14P€861k€739k▼
Social balance
Average headcount (FTE)908744.140.9▼
The notes to these accounts (17 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-284k
Net result drops to €-284k, the lowest in the series.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 13 days late
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.00M ▲1.6%
5 profitable years in a row build equity to €1.00M.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €302k ▲544%
Operating result €354k, net result €302k, both a record.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 53 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Pieters-Leeuw · 1 establishment unit since 2005
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.
Vorstsesteenweg 1201601 Sint-Pieters-LeeuwGround area
2,317 m²
Building footprint
969 m²
Volume, LiDAR
5,318 m³
Parcel 23069A0247/00M005, Flanders · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D&D Isoltechnics
since 20052.147.085.595
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23069A0247/00M005 | Flanders | 2,316 m² | 1 · 969 m² | 6.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 19,415 EUR awarded · 18,841 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 190 EUR | 172 EUR |
| 2024 | 1 | 93 EUR | 0 EUR |
| 2023 | 2 | 6,114 EUR | 7,458 EUR |
| 2022 | 2 | 13,018 EUR | 11,211 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
1 categoryD&D Isoltechnics NV42882
Dual-learning approval
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 679 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-05-2005
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:y.desmet@isoltechnics.be