ISO STAN
ActiveThe computed 12-month bankruptcy probability of ISO STAN is 1.6% (moderate). The 2025 annual accounts show equity of €73k and a net result of €5k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 27407 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+27
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 9.39 against 7.26 in 2024), and 8.2% 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 · 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
91.8%
Return on assets
6.4%
Age of the figures
8 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 08-06-2026, 53 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
53 d early
2024
73 d early
2023
55 d early
2022
47 d early
2021
30 d late
2020
109 d late
2019
339 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€5k▲ 352%
2024 · €1k
2019: €5k
2020: €5k
2021: €14k
2022: €12k
2023: €7k
2024: €1k
2019 → 2025
Working capital
€55k▲ 18.7%
2024 · €46k
2019: €17k
2020: €21k
2021: €39k
2022: €25k
2023: €43k
2024: €46k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€60k▲ 24.1%€67k▲ 12.1%€68k▲ 1.7%€73k▲ 7.4%
Operating result€17k-€13k▼ 27.6%€8k▼ 33.9%€4k▼ 47.8%€8k▲ 89.4%
Net result€14k-€12k▼ 19.3%€7k▼ 37.6%€1k▼ 84.5%€5k▲ 352%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 89% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€18k▼ 16.1%
Current assets
€61k▲ 14.5%
Equity and liabilities €80k
Equity
€73k▲ 7.4%
Debt
€7k▼ 11.5%
The debt ratio falls from 9.8% to 8.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€16k▲
2024 · €8k
Cash flow
€13k▲
2024 · €5k
Solvency
91.8%▲
2024 · 90.2%
Current ratio
9.39▲
2024 · 7.26
Quick ratio
9.39▲
2024 · 7.26
Debt / equity
0.09▼
2024 · 0.11
ROE
6.9%▲
2024 · 1.6%
ROA
6.4%▲
2024 · 1.5%
Interest coverage
45.54▲
2024 · 21.83
Debt
€7k▼
2024 · €7k
Debt ≤ 1 year
€7k▼
2024 · €7k
Income taxes
€3k▼
2024 · €3k
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€76k€80k▲
Fixed assets21/28€22k€18k▼
Tangible fixed assets22/27€22k€18k▼
Furniture and vehicles24€22k€18k▼
Current assets29/58€54k€61k▲
Amounts receivable within one year40/41€42k€49k▲
Trade receivables40€26k€33k▲
Other amounts receivable41€16k€17k▲
Cash at bank and in hand54/58€12k€12k▲
Deferred charges and accrued income490/1€112€112=
Equity and liabilities
Total equity and liabilities10/49€76k€80k▲
Equity10/15€68k€73k▲
Contributions10/11€100€100=
Capital10€100€100=
Issued capital100€100€100=
Profit (loss) carried forward14€68k€73k▲
Amounts payable17/49€7k€7k▼
Amounts payable within one year42/48€7k€7k▼
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€387€695▲
Gross operating margin9900€8k€16k▲
Operating profit (loss)9901€4k€8k▲
Financial charges65/66B€362€346▼
Recurring financial charges65€362€346▼
Profit (loss) for the period before taxes9903€4k€8k▲
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€1k€5k▲
Profit (loss) for the period to be appropriated9905€1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€73k▲
Profit (loss) brought forward from the previous period14P€67k€68k▲
The notes to these accounts (4 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €1k ▼84.5%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 5.74
Current ratio from 1.57 to 5.74; short-term debt falls from €44k to €9k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2019net €14k ▲164%
Operating result €17k, net result €14k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.10
Current ratio from 2.08 to 5.10; short-term debt falls from €19k to €10k.
17-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 109 days late
05-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 339 days late
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, Schaarbeek
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.
Voglerstraat 71030 SchaarbeekGround area
98 m²
Building footprint
76 m²
Volume, LiDAR
1,138 m³
Parcel 21906D0216/00H000, Brussels · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0216/00H000 | Brussels | 98 m² | 1 · 76 m² | 18.4 m · 5 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 4,243 companies in sector 43230 we hold annual accounts for 1,230. 1,032 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2016
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.