Financials
- Fiscal year
- 2025
- Total assets
- €77,827
- Profit
- €3,802
- Solvency
- 95.0%
Total assets▲ 4.9%
Net result
20182025
ISO-BEN
ActiveSummary
ISO-BEN has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73,909 and a net result of €3,802. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 95% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Insulation installation
NACE 43230NACE 43291
1 site
Size
€77,827total assets 2025
- Equity
- €73,909
- Profit
- €3,802
Turnover not published (abridged schema)
Structure
Accounts filed 39 d late0 of 6 deeds read
Why 93- Latest accounts 39 days late; 1 of the last 3 late- Size: total assets €77,827+ Liquidity: current ratio 19.86, cash €32,896+ Equity €73,909 (95.0% of total assets)Show the evidence
Checked score
Score 2025
93
/ 100
Excellent
Probability in this band: under 0.55%
Better than 71% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 95.0% of total assets
Liquidity
100=
short-term debt 5.0% · cash 42.3%
Profitability
75+75
return on assets 4.9%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 5 months
06-2026: 0.2%
07-2026: 0.3%▲ +8.9% vs 06-2026
08-2026: 0.4%▲ +56.8% vs 07-2026
09-2026: 0.4%▲ +6.9% vs 08-2026highest value
10-2026: 0.1%▼ -66.1% vs 09-2026lowest value
- Liquidity: current ratio 19.86, cash €32,896 lowers the probability
- Latest accounts 39 days late; 1 of the last 3 late raises the probability
- Equity €73,909 (95.0% of total assets) lowers the probability
- Size: total assets €77,827 raises the probability for this profile
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 19.86 against 18.21 in 2024; short-term debt: 5% and cash: 42.3% of total assets), and 5% 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 90%, liquidity 98%, profitability 49%, growth against the median 47%. 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 · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
39 d late
2024
44 d early
2023
12 d early
2022
7 d early
2021
25 d early
2020
22 d early
2019
49 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days before 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 (2)
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. Usually files around 20 July (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €3,802
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 08-09-2026Annual accounts filed
- 31-12-2025Back to profit
- 17-06-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Insulation installationNACE 43230
- Founded
- 31-10-2012
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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