ISNE
ActiveSummary
The computed 12-month bankruptcy probability of ISNE is 1.9% (moderate). The 2026 annual accounts show equity of €44k and a net result of €56k. Its solvency ranks better than 57% of 89 sector peers (fiscal year 2026). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
Axes · tick = 2025
Profitability100▲+72
Solvency85▲+63
Growth78
Track record82
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.51 against 0.97 in 2025; short-term debt: 39.8% and cash: 99.7% of total assets), and 39.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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 2026Solvency, return and age of the figures
Solvency
60.2%
Return on assets
78.1%
Age of the figures
3 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 01-08-2026, 183 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
183 d early
2025
6 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, micro schema
Equity
€44k
2025 · €-13k
2025: €-13k
2026: €44k▲ +436% vs 2025
2025 → 2026
Total assets
€72k▼ 82.8%
2025 · €421k
2025: €421k
2026: €72k▼ -82.8% vs 2025
2025 → 2026
Net result
€56k
2025 · €-15k
2025: €-15k
2026: €56k▲ +465% vs 2025
2025 → 2026
Working capital
€44k
2025 · €-13k
2025: €-13k
2026: €44k▲ +436% vs 2025
2025 → 2026
Trend over the years
Multi-year overview
Available amounts per fiscal year
Line20252026Trend
Equity€-13k-€44k
2025: €-13k
2026: €44k▲ +436% vs 2025
Operating result€-7k-€85k
2025: €-7k
2026: €85k▲ +1283% vs 2025
Net result€-15k-€56k
2025: €-15k
2026: €56k▲ +465% vs 2025
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2026: €85k after a loss of €7k in 2025.
Balance-sheet composition
Equity and liabilities €72k
Equity
€44k
Debt
€29k
Debt finances 39.8% of the balance-sheet total.
Key figures and ratios
Current ratio
2.51▲
2025 · 0.97
Debt to equity
0.66▲
2025 · -33.51
ROE
129.8%
ROA
78.1%▲
2025 · -3.7%
Debt ≤ 1 year
€29k▼
2025 · €434k
Income taxes
€14k
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 · 2026 against 2025 · 31 lines
Balance sheet
Code20252026
Assets
Total assets20/58€421k€72k▼
Current assets29/58€421k€72k▼
Stocks and contracts in progress3€410k-
Stocks30/36€410k-
Amounts receivable within one year40/41€4k€251▼
Other amounts receivable41€4k€251▼
Cash at bank and in hand54/58€7k€72k▲
Equity and liabilities
Total equity and liabilities10/49€421k€72k▼
Equity10/15€-13k€44k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-15k€41k▲
Amounts payable17/49€434k€29k▼
Amounts payable within one year42/48€434k€29k▼
Financial debts43€238k-
Credit institutions430/8€238k-
Trade debts44€20k€2k▼
Suppliers440/4€20k€2k▼
Taxes, remuneration and social security45-€14k
Taxes450/3-€14k
Other amounts payable47/48€176k€13k▼
Income statement
Code20252026
Other operating charges640/8-€674
Gross operating margin9900€-7k€86k▲
Operating profit (loss)9901€-7k€85k▲
Financial charges65/66B€8k€15k▲
Recurring financial charges65€8k€15k▲
Profit (loss) for the period before taxes9903€-15k€70k▲
Income taxes67/77-€14k
Profit (loss) for the period9904€-15k€56k▲
Profit (loss) for the period to be appropriated9905€-15k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€41k▲
Profit (loss) brought forward from the previous period14P-€-15k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Other operating charges640/8 | - | €674 | - |
| Gross operating margin9900 | €-7k | €86k | ▲ 1,293% |
| Operating profit (loss)9901 | €-7k | €85k | ▲ 1,283% |
| Financial charges65/66B | €8k | €15k | ▲ 82.6% |
| Recurring financial charges65 | €8k | €15k | ▲ 82.6% |
| Profit (loss) for the period before taxes9903 | €-15k | €70k | ▲ 555% |
| Income taxes67/77 | - | €14k | - |
| Profit (loss) for the period9904 | €-15k | €56k | ▲ 465% |
| Profit (loss) for the period to be appropriated9905 | €-15k | €56k | ▲ 465% |
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €421k | €72k | ▼ 82.8% |
| Current assets29/58 | €421k | €72k | ▼ 82.8% |
| Stocks and contracts in progress3 | €410k | - | - |
| Stocks30/36 | €410k | - | - |
| Amounts receivable within one year40/41 | €4k | €251 | ▼ 94.3% |
| Other amounts receivable41 | €4k | €251 | ▼ 94.3% |
| Cash at bank and in hand54/58 | €7k | €72k | ▲ 938% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €421k | €72k | ▼ 82.8% |
| Equity10/15 | €-13k | €44k | ▲ 436% |
| Contributions10/11 | €3k | €3k | = |
| Profit (loss) carried forward14 | €-15k | €41k | ▲ 365% |
| Amounts payable17/49 | €434k | €29k | ▼ 93.4% |
| Amounts payable within one year42/48 | €434k | €29k | ▼ 93.4% |
| Financial debts43 | €238k | - | - |
| Credit institutions430/8 | €238k | - | - |
| Trade debts44 | €20k | €2k | ▼ 89.0% |
| Suppliers440/4 | €20k | €2k | ▼ 89.0% |
| Taxes, remuneration and social security45 | - | €14k | - |
| Taxes450/3 | - | €14k | - |
| Other amounts payable47/48 | €176k | €13k | ▼ 92.8% |
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €-15k | €56k | ▲ 465% |
| Operating cash flow (approximation) | €-15k | €56k | ▲ 465% |
| Change in cash | - | €65k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
01-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
30-06
Financial
Back to profitnet €56k
Net result €56k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 2.51
Current ratio from 0.97 to 2.51; short-term debt falls from €434k to €29k.
25-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Bierbeek · 1 establishment unit since 2024
Ground area
492 m²
Building footprint
77 m²
Volume, LiDAR
530 m³
Parcel 24713D0029/00R004, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISNE
since 20242.361.063.637
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24713D0029/00R004 | Flanders | 492 m² | 1 · 77 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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AB21RCS
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 12,952 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-01-2024
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43120Site preparation
43221Plumbing work
43310Plastering work
Scores and ratios are computed by Checked and are not a credit decision.