ISO DACA
ActiveSummary
ISO DACA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €21k and a net result of €39k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 15% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability96=
Solvency36▲+6
Growth58=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 0.57 in 2023; short-term debt: 80.3% and cash: 14.7% of total assets), and 88.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
11.4%
Return on assets
21.7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 36375 sector peers (2024).
NBB · sector comparisonPosition among 36375 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
26 d late
2023
36 d early
2022
1 d late
2021
29 d late
2020
29 d early
2019
22 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€21k▼ 4.6%
2023 · €21k
2018: €27k
2019: €73k▲ +168% vs 2018
2020: €28k▼ -61.4% vs 2019
2021: €78k▲ +179% vs 2020highest in 7 years
2022: €21k▼ -72.9% vs 2021
2023: €21k▲ +1.2% vs 2022
2024: €21k▼ -4.6% vs 2023lowest in 7 years
2018 → 2024
Total assets
€180k▼ 58.1%
2023 · €429k
2018: €81klowest in 7 years
2019: €129k▲ +59.8% vs 2018
2020: €222k▲ +72.0% vs 2019
2021: €348k▲ +56.7% vs 2020
2022: €449k▲ +28.9% vs 2021highest in 7 years
2023: €429k▼ -4.3% vs 2022
2024: €180k▼ -58.1% vs 2023
2018 → 2024
Net result
€39k▼ 58.2%
2023 · €93k
2018: €17klowest in 7 years
2019: €33k▲ +90.3% vs 2018
2020: €55k▲ +66.2% vs 2019
2021: €50k▼ -9.2% vs 2020
2022: €59k▲ +17.5% vs 2021
2023: €93k▲ +58.1% vs 2022highest in 7 years
2024: €39k▼ -58.2% vs 2023
2018 → 2024
Working capital
€74
2023 · €-107k
2018: €17k
2019: €59k▲ +238% vs 2018highest in 7 years
2020: €8k▼ -86.1% vs 2019
2021: €12k▲ +45.2% vs 2020
2022: €-96k▼ -912% vs 2021
2023: €-107k▼ -11.1% vs 2022lowest in 7 years
2024: €74▲ +100% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€28k-€78k▲ 179%€21k▼ 72.9%€21k▲ 1.2%€21k▼ 4.6%
2020: €28k
2021: €78k▲ +179% vs 2020highest in 5 years
2022: €21k▼ -72.9% vs 2021
2023: €21k▲ +1.2% vs 2022
2024: €21k▼ -4.6% vs 2023lowest in 5 years
Operating result€75k-€48k▼ 35.4%€73k▲ 51.9%€119k▲ 62.6%€46k▼ 61.2%
2020: €75k
2021: €48k▼ -35.4% vs 2020
2022: €73k▲ +51.9% vs 2021
2023: €119k▲ +62.6% vs 2022highest in 5 years
2024: €46k▼ -61.2% vs 2023lowest in 5 years
Net result€55k-€50k▼ 9.2%€59k▲ 17.5%€93k▲ 58.1%€39k▼ 58.2%
2020: €55k
2021: €50k▼ -9.2% vs 2020
2022: €59k▲ +17.5% vs 2021
2023: €93k▲ +58.1% vs 2022highest in 5 years
2024: €39k▼ -58.2% vs 2023lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 61% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €180k
Fixed assets
€35k ▼ 87.8%
Current assets
€144k ▲ 3.7%
Equity and liabilities €180k
Equity
€21k ▼ 4.6%
Debt
€159k ▼ 61.0%
Debt's share of the balance-sheet total falls from 95.0% to 88.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€57k▼
2023 · €140k
Cash flow
€49k▼
2023 · €115k
Current ratio
1.00▲
2023 · 0.57
Quick ratio
0.82▲
2023 · 0.53
Debt to equity
7.77▼
2023 · 18.98
ROE
190.3%▼
2023 · 433.8%
ROA
21.7%▼
2023 · 21.7%
Interest coverage
14.25▼
2023 · 29.35
Debt ≤ 1 year
€144k▼
2023 · €246k
Debt > 1 year
€15k▼
2023 · €162k
Income taxes
€14k▼
2023 · €33k
Staff costs
€62k▼
2023 · €70k
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 · 2024 against 2023 · 55 lines
Balance sheet
Code20232024
Assets
Total assets20/58€429k€180k▼
Fixed assets21/28€290k€35k▼
Tangible fixed assets22/27€290k€35k▼
Land and buildings22€257k-
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€31k€26k▼
Other tangible fixed assets26-€5k
Financial fixed assets28€295€295=
Current assets29/58€139k€144k▲
Stocks and contracts in progress3€8k€27k▲
Stocks30/36€8k€27k▲
Amounts receivable within one year40/41€69k€81k▲
Trade receivables40€69k€80k▲
Other amounts receivable41€150€1k▲
Cash at bank and in hand54/58€57k€26k▼
Deferred charges and accrued income490/1€6k€10k▲
Equity and liabilities
Total equity and liabilities10/49€429k€180k▼
Equity10/15€21k€21k▼
Contributions10/11€19k€19k=
Reserves13€3k€2k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1k€43▼
Amounts payable17/49€408k€159k▼
Amounts payable after more than one year17€162k€15k▼
Financial debts170/4€162k€15k▼
Amounts payable within one year42/48€246k€144k▼
Current portion of amounts payable after more than one year42€30k€17k▼
Trade debts44€7k-
Suppliers440/4€7k-
Taxes, remuneration and social security45€30k€7k▼
Taxes450/3€5k€1k▼
Remuneration and social security454/9€25k€6k▼
Other amounts payable47/48€180k€120k▼
Income statement
Code20232024
Non-recurring operating income76A€842€1k▲
Remuneration, social security and pensions62€70k€62k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€10k▼
Other operating charges640/8€5k€2k▼
Non-recurring operating charges66A-€57k
Gross operating margin9900€216k€178k▼
Operating profit (loss)9901€119k€46k▼
Financial income75/76B€12k€11k▼
Recurring financial income75€12k€11k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€127k€53k▼
Income taxes67/77€33k€14k▼
Profit (loss) for the period9904€93k€39k▼
Profit (loss) for the period to be appropriated9905€93k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€39k▼
Transfer from equity791/2-€992
Transfer to equity691/2€252-
To other reserves6921€252-
Profit to be distributed694/7€93k€40k▼
Return on contributions (dividend)694€93k€40k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €842 | €1k | ▲ 32.9% |
| Remuneration, social security and pensions62 | - | €53k | €59k | €70k | €62k | ▼ 11.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €19k | €14k | €21k | €10k | ▼ 51.5% |
| Other operating charges640/8 | - | €1k | €2k | €5k | €2k | ▼ 67.7% |
| Non-recurring operating charges66A | - | - | - | - | €57k | - |
| Gross operating margin9900 | €140k | €121k | €149k | €216k | €178k | ▼ 17.6% |
| Operating profit (loss)9901 | €75k | €48k | €73k | €119k | €46k | ▼ 61.2% |
| Financial income75/76B | - | €9k | €5k | €12k | €11k | ▼ 12.8% |
| Recurring financial income75 | €2k | €9k | €5k | €12k | €11k | ▼ 12.8% |
| Financial charges65/66B | - | €4k | €3k | €5k | €4k | ▼ 17.1% |
| Recurring financial charges65 | €3k | €4k | €3k | €5k | €4k | ▼ 17.1% |
| Profit (loss) for the period before taxes9903 | €74k | €54k | €75k | €127k | €53k | ▼ 58.2% |
| Income taxes67/77 | €19k | €4k | €16k | €33k | €14k | ▼ 58.2% |
| Profit (loss) for the period9904 | €55k | €50k | €59k | €93k | €39k | ▼ 58.2% |
| Profit (loss) for the period to be appropriated9905 | €55k | €50k | €59k | €93k | €39k | ▼ 58.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €222k | €348k | €449k | €429k | €180k | ▼ 58.1% |
| Fixed assets21/28 | €76k | €221k | €305k | €290k | €35k | ▼ 87.8% |
| Tangible fixed assets22/27 | €76k | €221k | €305k | €290k | €35k | ▼ 87.9% |
| Land and buildings22 | - | €212k | €262k | €257k | - | - |
| Plant, machinery and equipment23 | - | €545 | €3k | €2k | €4k | ▲ 64.3% |
| Furniture and vehicles24 | - | €8k | €40k | €31k | €26k | ▼ 15.1% |
| Other tangible fixed assets26 | - | - | - | - | €5k | - |
| Financial fixed assets28 | €295 | €295 | €295 | €295 | €295 | = |
| Current assets29/58 | €146k | €127k | €144k | €139k | €144k | ▲ 3.7% |
| Stocks and contracts in progress3 | €2k | €3k | €3k | €8k | €27k | ▲ 244% |
| Stocks30/36 | - | €3k | €3k | €8k | €27k | ▲ 244% |
| Amounts receivable within one year40/41 | €35k | €81k | €87k | €69k | €81k | ▲ 17.8% |
| Trade receivables40 | - | €53k | €64k | €69k | €80k | ▲ 16.5% |
| Other amounts receivable41 | - | €28k | €23k | €150 | €1k | ▲ 626% |
| Cash at bank and in hand54/58 | €107k | €43k | €49k | €57k | €26k | ▼ 53.5% |
| Deferred charges and accrued income490/1 | - | €521 | €5k | €6k | €10k | ▲ 71.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €222k | €348k | €449k | €429k | €180k | ▼ 58.1% |
| Equity10/15 | €28k | €78k | €21k | €21k | €21k | ▼ 4.6% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €60k | €3k | €3k | €2k | ▼ 34.3% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €58k | €783 | €1k | €43 | ▼ 95.9% |
| Profit (loss) carried forward14 | €8k | - | - | - | - | - |
| Amounts payable17/49 | €194k | €270k | €427k | €408k | €159k | ▼ 61.0% |
| Amounts payable after more than one year17 | €56k | €155k | €187k | €162k | €15k | ▼ 90.8% |
| Financial debts170/4 | - | €155k | €187k | €162k | €15k | ▼ 90.8% |
| Amounts payable within one year42/48 | €138k | €115k | €240k | €246k | €144k | ▼ 41.4% |
| Current portion of amounts payable after more than one year42 | - | €11k | €25k | €30k | €17k | ▼ 43.8% |
| Trade debts44 | €7k | €7k | €5k | €7k | - | - |
| Suppliers440/4 | - | €7k | €5k | €7k | - | - |
| Taxes, remuneration and social security45 | - | €15k | €12k | €30k | €7k | ▼ 74.9% |
| Taxes450/3 | - | €9k | €6k | €5k | €1k | ▼ 80.3% |
| Remuneration and social security454/9 | - | €6k | €6k | €25k | €6k | ▼ 73.8% |
| Other amounts payable47/48 | - | €81k | €198k | €180k | €120k | ▼ 33.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €55k | €50k | €59k | €93k | €39k | ▼ 58.2% |
| + Depreciation and write-downs630 | €16k | €19k | €14k | €21k | €10k | ▼ 51.5% |
| Operating cash flow (approximation) | €71k | €69k | €73k | €115k | €49k | ▼ 56.9% |
| Investment in fixed assets (approximation) | - | €-164k | €-98k | €-7k | €245k | ▲ 3,858% |
| Change in cash | - | €-64k | €6k | €8k | €-30k | ▼ 480% |
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
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €93k ▲58.1%
Operating result €119k, net result €93k, both a record.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 22 days late
2019
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Walcourt · 1 establishment unit since 2017
Ground area
921 m²
Building footprint
140 m²
Parcel 93011A0258/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ISO DACA
since 20172.260.027.447
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93011A0258/00M000 | Wallonia | 921 m² | 1 · 139 m² | - |
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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Of 4,271 companies in sector 43230 we hold annual accounts for 1,240. 877 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
Founded19-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
Contact
E-mail
isodaca@gmail.comWalcourt
Phone
0477822691Walcourt
Scores and ratios are computed by Checked and are not a credit decision.