EV-ISOLATIE
ActiveSummary
EV-ISOLATIE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103k and a net result of €421. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 62% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-29
Solvency82▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 0.91 in 2024; short-term debt: 42.5% and cash: 47.4% of total assets), and 42.5% of the assets are financed with debt.
Credit check 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
57.5%
Return on assets
0.2%
Age of the figures
9 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €103k
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
49 d early
2023
23 d early
2022
40 d early
2021
18 d early
2020
4 d early
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€103k▲ 0.4%
2024 · €102k
2018: €36k
2019: €22k
2020: €15k
2021: €16k
2022: €34k
2023: €60k
2024: €102k
2018 → 2025
Total assets
€179k▲ 0.8%
2024 · €177k
2018: €113k
2019: €98k
2020: €97k
2021: €97k
2022: €121k
2023: €138k
2024: €177k
2018 → 2025
Net result
€421▼ 99.0%
2024 · €42k
2018: €-6k
2019: €-14k
2020: €-6k
2021: €314
2022: €33k
2023: €26k
2024: €42k
2018 → 2025
Working capital
€18k
2024 · €-7k
2018: €-17k
2019: €-14k
2020: €-2k
2021: €16k
2022: €17k
2023: €47k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€34k▲ 118%€60k▲ 77.8%€102k▲ 69.2%€103k▲ 0.4%
Operating result€608-€41k▲ 6,684%€40k▼ 2.8%€62k▲ 54.0%€10k▼ 84.4%
Net result€314-€33k▲ 10,480%€26k▼ 20.4%€42k▲ 58.3%€421▼ 99.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 84% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179k
Fixed assets
€85k ▼ 22.4%
Current assets
€94k ▲ 38.0%
Equity and liabilities €179k
Equity
€103k ▲ 0.4%
Debt
€76k ▲ 1.2%
Debt's share of the balance-sheet total rises from 42.3% to 42.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▼
2024 · €68k
Cash flow
€25k▼
2024 · €48k
Current ratio
1.24▲
2024 · 0.91
Quick ratio
1.23▲
2024 · 0.89
Debt to equity
0.74▲
2024 · 0.73
ROE
0.4%▼
2024 · 40.9%
ROA
0.2%▼
2024 · 23.6%
Interest coverage
5.99▼
2024 · 1513.69
Debt ≤ 1 year
€76k▲
2024 · €75k
Income taxes
€4k▼
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€177k€179k▲
Fixed assets21/28€109k€85k▼
Tangible fixed assets22/27€109k€85k▼
Furniture and vehicles24€109k€85k▼
Current assets29/58€68k€94k▲
Stocks and contracts in progress3€1k€628▼
Contracts in progress37€1k€628▼
Amounts receivable within one year40/41€9k€2k▼
Trade receivables40€1k€2k▲
Other amounts receivable41€8k€460▼
Cash at bank and in hand54/58€55k€85k▲
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€177k€179k▲
Equity10/15€102k€103k▲
Contributions10/11€19k€19k=
Reserves13€84k€84k=
Distributable reserves133€84k€84k=
Profit (loss) carried forward14-€421
Amounts payable17/49€75k€76k▲
Amounts payable within one year42/48€75k€76k▲
Trade debts44€518€389▼
Suppliers440/4€518€389▼
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€71k€74k▲
Income statement
Code20242025
Non-recurring operating income76A€22k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€24k▲
Other operating charges640/8€931€1k▲
Gross operating margin9900€69k€35k▼
Operating profit (loss)9901€62k€10k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€45€6k▲
Recurring financial charges65€45€6k▲
Profit (loss) for the period before taxes9903€62k€4k▼
Income taxes67/77€20k€4k▼
Profit (loss) for the period9904€42k€421▼
Profit (loss) for the period to be appropriated9905€42k€421▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€421▼
Transfer to equity691/2€42k-
To other reserves6921€42k-
The notes to these accounts (6 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €42k ▲58.3%
Operating result €62k, net result €42k, both a record.
31-12
Financial
Equity above €100kEq €102k ▲69.2%
4 profitable years in a row build equity to €102k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €314
Net result €314 after 3 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Retie · 1 establishment unit since 2012
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.
Dalialaan 102470 RetieGround area
1,992 m²
Building footprint
249 m²
Volume, LiDAR
1,474 m³
Parcel 13036E0495/00F021, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EV-isolatie BVBA
since 20122.206.634.291
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036E0495/00F021 | Flanders | 1,992 m² | 1 · 248 m² | 9.7 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 · 4 entries · 555 EUR awarded · 555 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 150 EUR | 150 EUR |
| 2024 | 1 | 75 EUR | 75 EUR |
| 2023 | 1 | 120 EUR | 120 EUR |
| 2022 | 1 | 210 EUR | 210 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,271 companies in sector 43230 we hold annual accounts for 1,241. 1,048 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2012
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.