IS BOUW
ActiveIS BOUW has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €89k and a net result of €13k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 37% of 2281 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-4
Solvency67▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.46 in 2023; short-term debt: 34.8% and cash: 0.6% of total assets), and 57.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
42.2%
Return on assets
6.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
30 d late
2022
59 d late
2021
2 d early
2020
31 d late
2019
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€89k▼ 8.4%
2023 · €98k
2018: €58k
2019: €61k
2020: €75k
2021: €60k
2022: €72k
2023: €98k
2018 → 2024
Total assets
€212k▼ 18.5%
2023 · €260k
2018: €113k
2019: €143k
2020: €161k
2021: €133k
2022: €275k
2023: €260k
2018 → 2024
Net result
€13k▼ 48.2%
2023 · €26k
2018: €38k
2019: €3k
2020: €14k
2021: €-15k
2022: €12k
2023: €26k
2018 → 2024
Working capital
€-69k▼ 47.1%
2023 · €-47k
2018: €6k
2019: €11k
2020: €28k
2021: €14k
2022: €-56k
2023: €-47k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€75k-€60k▼ 19.9%€72k▲ 19.7%€98k▲ 35.5%€89k▼ 8.4%
Operating result€24k-€-12k€22k€42k▲ 94.4%€32k▼ 25.2%
Net result€14k-€-15k€12k€26k▲ 115%€13k▼ 48.2%
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 2024; 2024 is 25% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €212k
Fixed assets
€207k▼ 6.0%
Current assets
€5k▼ 87.8%
Equity and liabilities €212k
Equity
€89k▼ 8.4%
Debt
€122k▼ 24.6%
The debt ratio falls from 62.5% to 57.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€50k▼
2023 · €60k
Cash flow
€31k▼
2023 · €43k
Solvency
42.2%▲
2023 · 37.5%
Current ratio
0.07▼
2023 · 0.46
Quick ratio
0.07▼
2023 · 0.46
Debt / equity
1.37▼
2023 · 1.66
ROE
14.8%▼
2023 · 26.2%
ROA
6.2%▼
2023 · 9.8%
Interest coverage
10.90▼
2023 · 14.38
Debt
€122k▼
2023 · €162k
Debt ≤ 1 year
€74k▼
2023 · €86k
Debt > 1 year
€49k▼
2023 · €76k
Income taxes
€14k▲
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€260k€212k▼
Fixed assets21/28€220k€207k▼
Tangible fixed assets22/27€64k€51k▼
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24€41k€29k▼
Other tangible fixed assets26€22k€19k▼
Financial fixed assets28€156k€156k=
Current assets29/58€40k€5k▼
Amounts receivable within one year40/41€24k€3k▼
Trade receivables40€6k€2k▼
Other amounts receivable41€18k€1k▼
Cash at bank and in hand54/58€14k€1k▼
Deferred charges and accrued income490/1€2k€466▼
Equity and liabilities
Total equity and liabilities10/49€260k€212k▼
Equity10/15€98k€89k▼
Contributions10/11€12k€12k=
Reserves13€85k€77k▼
Distributable reserves133€85k€77k▼
Amounts payable17/49€162k€122k▼
Amounts payable after more than one year17€76k€49k▼
Financial debts170/4€76k€49k▼
Amounts payable within one year42/48€86k€74k▼
Current portion of amounts payable after more than one year42€28k€27k▼
Trade debts44€12k€11k▼
Suppliers440/4€12k€11k▼
Taxes, remuneration and social security45€44k€33k▼
Taxes450/3€38k€26k▼
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€2k€3k▲
Income statement
Code20232024
Remuneration, social security and pensions62€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€64k€51k▼
Operating profit (loss)9901€42k€32k▼
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€38k€27k▼
Income taxes67/77€13k€14k▲
Profit (loss) for the period9904€26k€13k▼
Profit (loss) for the period to be appropriated9905€26k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€13k▼
Profit (loss) brought forward from the previous period14P€-3k-
Transfer from equity791/2-€8k
Transfer to equity691/2€22k-
To other reserves6921€22k-
Profit to be distributed694/7-€21k
Return on contributions (dividend)694-€21k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
26-03
State Gazette act
Share transfer · Director resignation
25-03
State Gazette act
Share transfer · Director resignation
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-15k ▼205%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Beringen · 1 establishment unit since 2014
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.
Heerbaan 4023582 BeringenGround area
862 m²
Building footprint
252 m²
Volume, LiDAR
1,037 m³
Parcel 71522D0827/00F025, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IS BOUW
since 20142.233.629.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71522D0827/00F025 | Flanders | 862 m² | 1 · 252 m² | 10.1 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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Of 3,152 companies in sector 63920 we hold annual accounts for 1,522. 1,250 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-07-2014
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.