ISO-SPOUW
ActiveISO-SPOUW has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €-35k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 39% of 4462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-39
Solvency56▼-3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.78 against 1.04 in 2024; short-term debt: 69.4% and cash: 21.9% of total assets), and 69.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
30.6%
Return on assets
-26%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-35k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
7 d early
2023
on the day
2022
28 d early
2021
24 d late
2020
3 d early
2019
41 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▼ 46.0%
2024 · €77k
2019: €87k
2020: €53k
2021: €63k
2022: €75k
2023: €80k
2024: €77k
2019 → 2025
Total assets
€136k▼ 39.6%
2024 · €225k
2019: €252k
2020: €213k
2021: €227k
2022: €236k
2023: €236k
2024: €225k
2019 → 2025
Net result
€-35k▼ 977%
2024 · €-3k
2019: €-11k
2020: €-33k
2021: €10k
2022: €12k
2023: €5k
2024: €-3k
2019 → 2025
Working capital
€-21k
2024 · €6k
2019: €-17k
2020: €-51k
2021: €-30k
2022: €-10k
2023: €879
2024: €6k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€75k▲ 19.5%€80k▲ 7.0%€77k▼ 4.1%€42k▼ 46.0%
Operating result€11k-€14k▲ 30.8%€7k▼ 49.0%€175▼ 97.6%€-35k
Net result€10k-€12k▲ 28.1%€5k▼ 57.1%€-3k€-35k▼ 977%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €35k after €175 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€62k▼ 11.7%
Current assets
€74k▼ 52.4%
Equity and liabilities €136k
Equity
€42k▼ 46.0%
Debt
€94k▼ 36.3%
The debt ratio rises from 65.8% to 69.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-27k▼
2024 · €9k
Cash flow
€-27k▼
2024 · €5k
Solvency
30.6%▼
2024 · 34.2%
Current ratio
0.78▼
2024 · 1.04
Quick ratio
0.78▼
2024 · 0.99
Debt / equity
2.27▲
2024 · 1.93
ROE
-85.1%▼
2024 · -4.3%
ROA
-26.0%▼
2024 · -1.5%
Interest coverage
-84.89▼
2024 · 2.67
Debt
€94k▼
2024 · €148k
Debt ≤ 1 year
€94k▼
2024 · €148k
Staff costs
€48k▼
2024 · €55k
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€225k€136k▼
Fixed assets21/28€71k€62k▼
Tangible fixed assets22/27€70k€62k▼
Land and buildings22€68k€61k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€1k€448▼
Financial fixed assets28€400€400=
Current assets29/58€155k€74k▼
Stocks and contracts in progress3€9k-
Stocks30/36€9k-
Amounts receivable within one year40/41€50k€44k▼
Trade receivables40€43k€42k▼
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€93k€30k▼
Deferred charges and accrued income490/1€4k€360▼
Equity and liabilities
Total equity and liabilities10/49€225k€136k▼
Equity10/15€77k€42k▼
Contributions10/11€25k€25k=
Reserves13€52k€17k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€50k€14k▼
Amounts payable17/49€148k€94k▼
Amounts payable within one year42/48€148k€94k▼
Financial debts43€436-
Credit institutions430/8€436-
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€1k-
Taxes450/3€335-
Remuneration and social security454/9€736-
Other amounts payable47/48€142k€86k▼
Income statement
Code20242025
Non-recurring operating income76A-€18k
Remuneration, social security and pensions62€55k€48k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€67k€26k▼
Operating profit (loss)9901€175€-35k▼
Financial income75/76B€188€186▼
Recurring financial income75€188€186▼
Financial charges65/66B€3k€318▼
Recurring financial charges65€3k€318▼
Profit (loss) for the period before taxes9903€-3k€-35k▼
Income taxes67/77€325-
Profit (loss) for the period9904€-3k€-35k▼
Profit (loss) for the period to be appropriated9905€-3k€-35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-35k▼
Transfer from equity791/2€3k€35k▲
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
Next filing, fiscal year 2026, expected by
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €12k ▲28.1%
Operating result €14k, net result €12k, both a record.
24-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
30-06
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
04-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zonhoven · 1 establishment unit since 2008
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.
Dorpsstraat 43-453520 ZonhovenGround area
107 m²
Building footprint
106 m²
Volume, LiDAR
557 m³
Parcel 71066B0505/00T000, Flanders · tallest building 9.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ISO-SPOUW
since 20082.176.344.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066B0505/00T000 | Flanders | 107 m² | 1 · 106 m² | 9.2 m · 1 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 7,010 companies in sector 81220 we hold annual accounts for 2,416. 1,986 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-12-2008
Fiscal year end30-06
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
81220Other building cleaning and industrial cleaning
43130Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0478/803656