ISO PROCARRELAGES
ActiveThe file of ISO PROCARRELAGES contains 4 judicial reorganisations, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is ≥ 25% (high). The 2024 annual accounts show negative equity (€-116k) and a net result of €-35k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 36373 sector peers (fiscal year 2024).
Checked score
Score 2024
0
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record60
Bankruptcy probability, 12 months
≥ 25%
High
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.23 against 0.33 in 2023; short-term debt: 221.3% and cash: 1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
-155.1%
Return on assets
-46.9%
Age of the figures
21 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €-116k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
3 d late
2022
59 d late
2021
34 d early
2020
38 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-116k▼ 43.3%
2023 · €-81k
2019: €14k
2020: €4k
2021: €17k
2022: €-39k
2023: €-81k
2019 → 2024
Total assets
€75k▼ 25.4%
2023 · €100k
2019: €25k
2020: €51k
2021: €136k
2022: €75k
2023: €100k
2019 → 2024
Net result
€-35k▲ 16.7%
2023 · €-42k
2019: €8k
2020: €-10k
2021: €14k
2022: €-56k
2023: €-42k
2019 → 2024
Working capital
€-128k▼ 28.5%
2023 · €-100k
2019: €8k
2020: €-3k
2021: €-2k
2022: €-45k
2023: €-100k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€4k-€17k▲ 375%€-39k€-81k▼ 108%€-116k▼ 43.3%
Operating result€-10k-€16k€-49k€-29k▲ 40.0%€-30k▼ 3.7%
Net result€-10k-€14k€-56k€-42k▲ 24.9%€-35k▲ 16.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2024 against €29k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €75k
Fixed assets
€37k▼ 28.1%
Current assets
€37k▼ 22.5%
Key figures and ratios
EBITDA
€-16k▲
2023 · €-18k
Cash flow
€-20k▲
2023 · €-31k
Solvency
-155.1%▼
2023 · -80.8%
Current ratio
0.23▼
2023 · 0.33
Quick ratio
0.23▼
2023 · 0.33
Debt / equity
-1.64▲
2023 · -2.24
ROA
-46.9%▼
2023 · -42.0%
Interest coverage
-3.40▼
2023 · -1.41
Debt
€191k▲
2023 · €181k
Debt ≤ 1 year
€166k▲
2023 · €148k
Debt > 1 year
€25k▼
2023 · €33k
Income taxes
€197▼
2023 · €223
Staff costs
€79k▼
2023 · €104k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€100k€75k▼
Fixed assets21/28€52k€37k▼
Tangible fixed assets22/27€52k€37k▼
Plant, machinery and equipment23€10k€5k▼
Furniture and vehicles24€2k€1k▼
Leasing and similar rights25€40k€31k▼
Financial fixed assets28€354€354=
Current assets29/58€48k€37k▼
Amounts receivable within one year40/41€44k€36k▼
Trade receivables40€23k€22k▼
Other amounts receivable41€20k€14k▼
Cash at bank and in hand54/58€1k€764▼
Deferred charges and accrued income490/1€3k€564▼
Equity and liabilities
Total equity and liabilities10/49€100k€75k▼
Equity10/15€-81k€-116k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-87k€-122k▼
Amounts payable17/49€181k€191k▲
Amounts payable after more than one year17€33k€25k▼
Financial debts170/4€33k€25k▼
Amounts payable within one year42/48€148k€166k▲
Current portion of amounts payable after more than one year42€12k€8k▼
Financial debts43€4k€5k▲
Credit institutions430/8€4k€5k▲
Trade debts44€116k€99k▼
Suppliers440/4€116k€99k▼
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€16k€53k▲
Taxes450/3€7k€9k▲
Remuneration and social security454/9€9k€44k▲
Other amounts payable47/48€7-
Income statement
Code20232024
Remuneration, social security and pensions62€104k€79k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€15k▲
Other operating charges640/8€1k€824▼
Non-recurring operating charges66A€3k€2k▼
Gross operating margin9900€91k€66k▼
Operating profit (loss)9901€-29k€-30k▼
Financial income75/76B€2€128▲
Recurring financial income75€2€128▲
Financial charges65/66B€13k€5k▼
Recurring financial charges65€13k€5k▼
Non-recurring financial charges66B-€100
Profit (loss) for the period before taxes9903€-42k€-35k▲
Income taxes67/77€223€197▼
Profit (loss) for the period9904€-42k€-35k▲
Profit (loss) for the period to be appropriated9905€-42k€-35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-87k€-122k▼
Profit (loss) brought forward from the previous period14P€-45k€-87k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
24-02
Judicial reorganisation
Plan homologation
Tribunal de l’entreprise de Liège · 20240050 · event 18-02-2025
2024
18-12
Judicial reorganisation
Extension
Tribunal de l’entreprise de Liège · collectif · event 10-12-2024
23-10
Judicial reorganisation
Extension
Tribunal de l’entreprise de Liège · collectif · event 15-10-2024
03-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 3 days late
26-07
Judicial reorganisation
Opening
Tribunal de l’entreprise de Liège · collectif · event 18-07-2024
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €-56k ▼512%
Net result drops to €-56k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 38 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mettet · 1 establishment unit since 2019
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.
Grand'Rue, St-Gérard 555640 MettetGround area
1,564 m²
Building footprint
120 m²
Parcel 92104C0657/00T002, Wallonia. Linked by address, not a title deed.
1 establishment unit
ISO PROCARRELAGES
since 20192.304.353.873
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92104C0657/00T002 | Wallonia | 1,564 m² | 1 · 120 m² | - |
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.
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Ets TD CONCEPT
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GMP VLOER EN TEGELWERKEN
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VLOER- EN TEGELWERKEN GETO
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,303 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2019
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
47523Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.