ISO-ALL
Open bankruptcyA bankruptcy procedure is open for ISO-ALL according to publications in the Belgian State Gazette; curator: STEFFI VANHULLE. The 2025 annual accounts show negative equity (€-128k) and a net result of €40k.
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 31616 sector peers (2025).
NBB · sector comparisonPosition among 31616 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-02-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
219 d late
2023
on the day
2022
2 d early
2021
18 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-128k▲ 23.7%
2024 · €-167k
2018: €8k
2019: €25k
2020: €27k
2021: €-234k
2022: €-209k
2023: €-189k
2024: €-167k
2018 → 2025
Total assets
€308k▲ 30.1%
2024 · €236k
2018: €29k
2019: €519k
2020: €566k
2021: €217k
2022: €283k
2023: €269k
2024: €236k
2018 → 2025
Net result
€40k▲ 84.4%
2024 · €21k
2018: €934
2019: €18k
2020: €2k
2021: €-261k
2022: €26k
2023: €20k
2024: €21k
2018 → 2025
Working capital
€-104k▲ 26.2%
2024 · €-141k
2018: €2k
2019: €-57k
2020: €-59k
2021: €-67k
2022: €-89k
2023: €-114k
2024: €-141k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-234k-€-209k▲ 10.9%€-189k▲ 9.7%€-167k▲ 11.4%€-128k▲ 23.7%
Operating result€-242k-€42k€35k▼ 16.9%€34k▼ 2.6%€58k▲ 71.7%
Net result€-261k-€26k€20k▼ 21.0%€21k▲ 5.8%€40k▲ 84.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €308k
Fixed assets
€203k▲ 1.3%
Current assets
€105k▲ 190%
Key figures and ratios
EBITDA
€60k▲
2024 · €34k
Cash flow
€41k▲
2024 · €22k
Solvency
-41.5%▲
2024 · -70.7%
Current ratio
0.50▲
2024 · 0.20
Quick ratio
0.50▲
2024 · 0.20
Debt / equity
-3.41▼
2024 · -2.42
ROA
12.9%▲
2024 · 9.1%
Interest coverage
10.42▲
2024 · 9.14
Debt
€435k▲
2024 · €404k
Debt ≤ 1 year
€209k▲
2024 · €177k
Debt > 1 year
€226k=
2024 · €226k
Income taxes
€15k▲
2024 · €10k
Staff costs
€70▼
2024 · €180
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€236k€308k▲
Fixed assets21/28€200k€203k▲
Tangible fixed assets22/27€390€3k▲
Furniture and vehicles24€390€3k▲
Financial fixed assets28€200k€200k=
Current assets29/58€36k€105k▲
Amounts receivable within one year40/41€34k€104k▲
Trade receivables40€12k€55k▲
Other amounts receivable41€21k€49k▲
Cash at bank and in hand54/58€274€274=
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€236k€308k▲
Equity10/15€-167k€-128k▲
Contributions10/11€6k€6k=
Reserves13€90€90=
Non-distributable reserves130/1€90€90=
Reserves not available under the articles1311€90€90=
Profit (loss) carried forward14€-173k€-134k▲
Amounts payable17/49€404k€435k▲
Amounts payable after more than one year17€226k€226k=
Financial debts170/4€226k€226k=
Amounts payable within one year42/48€177k€209k▲
Current portion of amounts payable after more than one year42€49k€43k▼
Financial debts43€638-
Credit institutions430/8€638-
Trade debts44€7k€24k▲
Suppliers440/4€7k€24k▲
Taxes, remuneration and social security45€29k€51k▲
Taxes450/3€21k€32k▲
Remuneration and social security454/9€8k€20k▲
Other amounts payable47/48€91k€91k=
Income statement
Code20242025
Remuneration, social security and pensions62€180€70▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€275€2k▲
Other operating charges640/8€2k€127▼
Gross operating margin9900€36k€60k▲
Operating profit (loss)9901€34k€58k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€31k€54k▲
Income taxes67/77€10k€15k▲
Profit (loss) for the period9904€21k€40k▲
Profit (loss) for the period to be appropriated9905€21k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-173k€-134k▲
Profit (loss) brought forward from the previous period14P€-195k€-173k▲
The notes to these accounts (9 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
09-03
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · ISO-ALL BVBA BELCROWN- LAAN 5, 2100 DEURNE (ANTWERPEN) · event 03-03-2026
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 219 days late
30-09
Financial
Highest result since 2018net €40k ▲84.4%
Operating result €58k, net result €40k, both a record.
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
18-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
30-09
Financial
Weakest financial yearnet €-261k ▼16064%
Net result drops to €-261k, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2015
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.
Belcrownlaan 52100 AntwerpenGround area
1.5 ha
Building footprint
1.1 ha
Volume, LiDAR
75,764 m³
Parcel 11012A0148/00X000, Flanders · tallest building 42.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISO-ALL
since 20152.244.006.809
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0148/00X000 | Flanders | 1.5 ha | 1 · 1.1 ha | 42.1 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | STEFFI VANHULLE GROTE BAAN 68, 9120 BEVEREN-
KRUIBEKE-ZWIJNDRECHT |
03-03-2026 → present |
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 33,472 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-06-2015
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
43230Insulation installation
43291Specialised construction activities
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.