Financials
- Fiscal year
- 2024
- Turnover
- €116,298
- Profit
- €4,251
- Solvency
- 42.4%
Turnover▲ 38.7%
Net result
20212024
Isma Bouw
ActiveSummary
The computed 12-month bankruptcy probability of Isma Bouw is 1.6% (moderate). The 2024 annual accounts show equity of €28,812 and a net result of €4,251. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 45% of 36365 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
General electrical installation work
NACE 43211
1 site
Size
€116,298turnover 2024
- Equity
- €28,812
- Profit
- €4,251
Structure
Accounts 63 d overdue0 of 12 deeds read
Why 63- Figures for FY 2024 (filed 29-09-2025)- 1 financial year not filed after the legal deadline; latest accounts 58 days late; 3 of the last 3 late+ Founded in 2012+ Liquidity: current ratio 1.73, cash €15,667Show the evidence
Checked score
Score 2024
63
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 46% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Average
Solvency
67+1
equity 42.4% of total assets
Liquidity
49-8
short-term debt 57.6% · cash 23.1%
Profitability
53+5
return on assets 6.3%
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 10 months
01-2026: 0.8%
02-2026: 0.8%▲ +1.1% vs 01-2026
03-2026: 0.8%▼ -1.4% vs 02-2026
04-2026: 0.8%▲ +1.9% vs 03-2026
05-2026: 0.8%▼ -1.3% vs 04-2026
06-2026: 0.8%▼ -8.3% vs 05-2026lowest value
07-2026: 0.8%▲ +0.1% vs 06-2026
08-2026: 1.1%▲ +43.5% vs 07-2026
09-2026: 1.2%▲ +12.1% vs 08-2026
10-2026: 1.6%▲ +27.8% vs 09-2026highest value
- Figures for FY 2024 (filed 29-09-2025) raises the probability
- 1 financial year not filed after the legal deadline; latest accounts 58 days late; 3 of the last 3 late raises the probability
- Founded in 2012 lowers the probability for this profile
- Liquidity: current ratio 1.73, cash €15,667 lowers the probability
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.69 in 2023; short-term debt: 57.6% and cash: 23.1% of total assets), but 57.6% 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 45%, liquidity 41%, profitability 25%, growth against the median 74%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-09-2025, 58 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
58 d late
2023
45 d late
2022
240 d late
2021
101 d late
2020
88 d late
2019
63 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 99 days after 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 (1)
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
- Annual accounts filedfiscal year 2022 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- 27-09-2025Annual accounts filed
- 14-09-2024Annual accounts filed
- 27-03-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- General electrical installation workNACE 43211
- Founded
- 07-05-2012
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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