ISLOIS
ActiveISLOIS has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €564k and a net result of €27k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 68% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+1
Solvency78▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.05 in 2024; short-term debt: 25.5% and cash: 0.6% of total assets), and 46.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
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
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
53.3%
Return on assets
2.5%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
15 d early
2023
40 d early
2022
45 d early
2021
41 d early
2020
40 d early
2019
39 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€27k▲ 16.0%
2024 · €23k
2018: €8k
2019: €12k
2020: €11k
2021: €11k
2022: €30k
2023: €25k
2024: €23k
2018 → 2025
Working capital
€-260k▼ 11.5%
2024 · €-233k
2018: €-121k
2019: €-130k
2020: €-143k
2021: €-160k
2022: €-188k
2023: €-216k
2024: €-233k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€460k-€489k▲ 6.5%€514k▲ 5.1%€537k▲ 4.5%€564k▲ 5.0%
Operating result€29k-€45k▲ 57.7%€39k▼ 13.9%€43k▲ 9.2%€46k▲ 7.7%
Net result€11k-€30k▲ 182%€25k▼ 16.1%€23k▼ 6.6%€27k▲ 16.0%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€1.05M▼ 2.6%
Current assets
€10k▼ 21.3%
Equity and liabilities €1.06M
Equity
€564k▲ 5.0%
Debt
€494k▼ 10.5%
The debt ratio falls from 50.7% to 46.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €71k
Cash flow
€55k▲
2024 · €52k
Solvency
53.3%▲
2024 · 49.3%
Current ratio
0.04▼
2024 · 0.05
Quick ratio
0.04▼
2024 · 0.05
Debt / equity
0.87▼
2024 · 1.03
ROE
4.8%▲
2024 · 4.3%
ROA
2.5%▲
2024 · 2.1%
Interest coverage
7.62▲
2024 · 5.93
Debt
€494k▼
2024 · €552k
Debt ≤ 1 year
€270k▲
2024 · €246k
Debt > 1 year
€223k▼
2024 · €306k
Income taxes
€9k▲
2024 · €8k
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€1.09M€1.06M▼
Fixed assets21/28€1.08M€1.05M▼
Tangible fixed assets22/27€1.08M€1.05M▼
Land and buildings22€1.07M€1.05M▼
Plant, machinery and equipment23€3k€2k▼
Current assets29/58€12k€10k▼
Amounts receivable within one year40/41€4k€4k=
Trade receivables40€4k€4k=
Cash at bank and in hand54/58€9k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.06M▼
Equity10/15€537k€564k▲
Contributions10/11€160k€160k=
Capital10€160k€160k=
Issued capital100€160k€160k=
Reserves13€378k€405k▲
Non-distributable reserves130/1€16k€16k=
Legal reserve130€16k€16k=
Distributable reserves133€362k€389k▲
Amounts payable17/49€552k€494k▼
Amounts payable after more than one year17€306k€223k▼
Financial debts170/4€306k€223k▼
Amounts payable within one year42/48€246k€270k▲
Current portion of amounts payable after more than one year42€80k€82k▲
Trade debts44€0€24▲
Suppliers440/4€0€24▲
Taxes, remuneration and social security45€8k€12k▲
Taxes450/3€8k€12k▲
Other amounts payable47/48€158k€176k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k=
Other operating charges640/8€12k€9k▼
Gross operating margin9900€83k€84k▲
Operating profit (loss)9901€43k€46k▲
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€31k€36k▲
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€23k€27k▲
Profit (loss) for the period to be appropriated9905€23k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€27k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0-
Transfer to equity691/2€23k€27k▲
To the legal reserve6920€0-
To other reserves6921€23k€27k▲
The notes to these accounts (8 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €500kEq €514k ▲5.1%
6 profitable years in a row build equity to €514k.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €30k ▲182%
Net result €30k, the highest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, La Bruyère · 1 establishment unit since 1997
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 de Sclef, Meux 475081 La BruyèreGround area
1,315 m²
Building footprint
167 m²
Parcel 92088A0287/00X000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Sclef, Meux 47, 5081 La Bruyère
since 19972.081.345.430
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92088A0287/00X000 | Wallonia | 1,315 m² | 1 · 167 m² | - |
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.
Similar companies · same sector, comparable size
Namurimmo
BE 0656.585.674
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WAPIRIS
BE 0771.312.425
Tournai · Eq €565k
ZOOZ
BE 0893.846.684
Mechelen · Eq €565k
HAGELAND & ZUIDERKEMPEN
BE 0865.730.938
Putte · Eq €565k
NITRAMVELD
BE 0841.331.082
Sint-Pieters-Woluwe · Eq €565k
Of 12,018 companies in sector 68203 we hold annual accounts for 5,984. 4,388 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-04-1997
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.