ISO-PROJET
ActiveThe computed 12-month bankruptcy probability of ISO-PROJET is 3.0% (moderate). The 2025 annual accounts show equity of €5k and a net result of €838. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 14% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-5
Solvency34▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.1 against 1.08 in 2024; short-term debt: 90.7% and cash: 0% of total assets), and 90.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · 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 2025Solvency, return and age of the figures
Solvency
9.3%
Return on assets
1.5%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 19-09-2025, 42 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
42 d early
2024
321 d late
2023
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 19.3%
2024 · €4k
2023: €2k
2024: €4k
2023 → 2025
Total assets
€56k▼ 2.8%
2024 · €57k
2023: €49k
2024: €57k
2023 → 2025
Net result
€838▼ 56.5%
2024 · €2k
2023: €423
2024: €2k
2023 → 2025
Working capital
€5k▲ 19.3%
2024 · €4k
2023: €2k
2024: €4k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€2k-€4k▲ 79.5%€5k▲ 19.3%
Operating result€776-€2k▲ 180%€2k▼ 2.2%
Net result€423-€2k▲ 356%€838▼ 56.5%
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 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €56k
Equity
€5k▲ 19.3%
Debt
€51k▼ 4.6%
The debt ratio falls from 92.4% to 90.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
9.3%▲
2024 · 7.6%
Current ratio
1.10▲
2024 · 1.08
Quick ratio
1.10▲
2024 · 1.08
Debt / equity
9.76▼
2024 · 12.20
ROE
16.2%▼
2024 · 44.3%
ROA
1.5%▼
2024 · 3.4%
Debt
€51k▼
2024 · €53k
Debt ≤ 1 year
€51k▼
2024 · €53k
Income taxes
€1k▲
2024 · €0
Staff costs
€105k▲
2024 · €82k
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€57k€56k▼
Current assets29/58€57k€56k▼
Amounts receivable within one year40/41€57k€56k▼
Trade receivables40€43k€39k▼
Other amounts receivable41€15k€17k▲
Cash at bank and in hand54/58€40€11▼
Equity and liabilities
Total equity and liabilities10/49€57k€56k▼
Equity10/15€4k€5k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€53k€51k▼
Amounts payable within one year42/48€53k€51k▼
Trade debts44€44k€43k▼
Suppliers440/4€44k€43k▼
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€18€1k▲
Remuneration and social security454/9€9k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€82k€105k▲
Other operating charges640/8€300€150▼
Gross operating margin9900€85k€108k▲
Operating profit (loss)9901€2k€2k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€243€231▼
Recurring financial charges65€243€231▼
Profit (loss) for the period before taxes9903€2k€2k▼
Income taxes67/77€0€1k▲
Profit (loss) for the period9904€2k€838▼
Profit (loss) for the period to be appropriated9905€2k€838▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€3k▲
Profit (loss) brought forward from the previous period14P€423€2k▲
The notes to these accounts (1 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
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 321 days late
2024
31-03
Financial
Highest result since 2023net €2k ▲356%
Operating result €2k, net result €2k, both a record.
2023
14-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
Financial 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, Tubize
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.
Rue de l'Atelier 181480 TubizeGround area
667 m²
Building footprint
900 m²
Volume, LiDAR
6,071 m³
Parcel 25105B0357/00S004, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25105B0357/00S004 | Wallonia | 667 m² | 1 · 900 m² | 7.5 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.
Similar companies · same sector, comparable size
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OGAM
BE 0480.253.829
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VBF.BV
BE 1008.284.316
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CREFAX
BE 0805.391.097
Roeselare · Eq €5k
GN Projects
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Lummen · Eq €5k
Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 488 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2021
Fiscal year end31-03
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.