ISO Roof Construct
ActiveThe computed 12-month bankruptcy probability of ISO Roof Construct is 2.4% (moderate). The 2025 annual accounts show equity of €14k and a net result of €9k. Its solvency ranks better than 27% of 27451 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+3
Solvency50▲+5
Growth78
Track record82
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.2 in 2024; short-term debt: 51.5% and cash: 9.6% of total assets), and 74.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.4%
Return on assets
16.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
8 d early
2024
9 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▲ 175%
2024 · €5k
2024: €5k
2024 → 2025
Total assets
€57k▲ 114%
2024 · €27k
2024: €27k
2024 → 2025
Net result
€9k▲ 144%
2024 · €4k
2024: €4k
2024 → 2025
Working capital
€5k▲ 21.7%
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€5k-€14k▲ 175%
Operating result€5k-€12k▲ 157%
Net result€4k-€9k▲ 144%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 157% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€22k▲ 1,971%
Current assets
€34k▲ 34.7%
Equity and liabilities €57k
Equity
€14k▲ 175%
Debt
€42k▲ 98.7%
The debt ratio falls from 80.3% to 74.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €5k
Cash flow
€12k▲
2024 · €4k
Solvency
25.4%▲
2024 · 19.7%
Current ratio
1.17▼
2024 · 1.20
Quick ratio
1.17▼
2024 · 1.20
Debt / equity
2.94▼
2024 · 4.07
ROE
63.6%▼
2024 · 71.4%
ROA
16.1%▲
2024 · 14.1%
Interest coverage
17.43▼
2024 · 38.01
Debt
€42k▲
2024 · €21k
Debt ≤ 1 year
€29k▲
2024 · €21k
Debt > 1 year
€13k
Income taxes
€2k▲
2024 · €913
Staff costs
€15k▼
2024 · €16k
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€27k€57k▲
Fixed assets21/28€1k€22k▲
Tangible fixed assets22/27€1k€22k▲
Plant, machinery and equipment23€1k€8k▲
Furniture and vehicles24-€14k
Current assets29/58€25k€34k▲
Amounts receivable within one year40/41€11k€18k▲
Trade receivables40-€2k
Other amounts receivable41€11k€17k▲
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€10k€11k▲
Equity and liabilities
Total equity and liabilities10/49€27k€57k▲
Equity10/15€5k€14k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€4k€13k▲
Amounts payable17/49€21k€42k▲
Amounts payable after more than one year17-€13k
Financial debts170/4-€13k
Amounts payable within one year42/48€21k€29k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€18k€19k▲
Suppliers440/4€18k€19k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€964€3k▲
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€782€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€16k€15k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69€3k▲
Other operating charges640/8€448€540▲
Gross operating margin9900€21k€30k▲
Operating profit (loss)9901€5k€12k▲
Financial income75/76B€1€31▲
Recurring financial income75€1€31▲
Financial charges65/66B€128€863▲
Recurring financial charges65€128€863▲
Profit (loss) for the period before taxes9903€5k€11k▲
Income taxes67/77€913€2k▲
Profit (loss) for the period9904€4k€9k▲
Profit (loss) for the period to be appropriated9905€4k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€13k▲
Profit (loss) brought forward from the previous period14P-€4k
The notes to these accounts (7 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Genk · 1 establishment unit since 2023
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.
Pepermuntstraat 33600 GenkGround area
938 m²
Building footprint
186 m²
Volume, LiDAR
1,246 m³
Parcel 71302A0223/00Y000, Flanders · tallest building 16.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISO Roof Construct
since 20232.352.396.884
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71302A0223/00Y000 | Flanders | 938 m² | 1 · 186 m² | 16.9 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.
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Of 8,560 companies in sector 43410 we hold annual accounts for 4,351. 2,676 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2023
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.