ISO TOIT
Open bankruptcyA bankruptcy procedure is open for ISO TOIT according to publications in the Belgian State Gazette; curator: Gerry VERSCHUREN. The 2022 annual accounts show equity of €194k and a net result of €20k.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 28-09-2023, 59 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
59 d late
2021
31 d late
2020
396 d late
2019
753 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€194k▲ 11.5%
2021 · €174k
2018: €94k
2019: €121k
2020: €157k
2021: €174k
2018 → 2022
Total assets
€247k▲ 7.5%
2021 · €230k
2018: €118k
2019: €137k
2020: €208k
2021: €230k
2018 → 2022
Net result
€20k▲ 20.6%
2021 · €17k
2018: €13k
2019: €28k
2020: €36k
2021: €17k
2018 → 2022
Working capital
€194k▲ 11.5%
2021 · €174k
2018: €94k
2019: €121k
2020: €157k
2021: €174k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€94k-€121k▲ 29.4%€157k▲ 29.8%€174k▲ 10.6%€194k▲ 11.5%
Operating result€4k-€28k▲ 603%€32k▲ 12.3%€14k▼ 55.9%€23k▲ 67.1%
Net result€13k-€28k▲ 113%€36k▲ 31.3%€17k▼ 53.8%€20k▲ 20.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2022; 2022 is 67% above 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Equity and liabilities €247k
Equity
€194k▲ 11.5%
Debt
€53k▼ 4.9%
The debt ratio falls from 24.4% to 21.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
78.4%▲
2021 · 75.6%
Current ratio
4.64▲
2021 · 4.10
Quick ratio
4.64▲
2021 · 4.10
Debt / equity
0.27▼
2021 · 0.32
ROE
10.4%▲
2021 · 9.6%
ROA
8.1%▲
2021 · 7.2%
Debt
€53k▼
2021 · €56k
Debt ≤ 1 year
€53k▼
2021 · €56k
Income taxes
€14k▲
2021 · €7k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€230k€247k▲
Current assets29/58€230k€247k▲
Amounts receivable within one year40/41€230k€247k▲
Trade receivables40€56k€24k▼
Other amounts receivable41€174k€224k▲
Deferred charges and accrued income490/1€212-
Equity and liabilities
Total equity and liabilities10/49€230k€247k▲
Equity10/15€174k€194k▲
Contributions10/11€16k€16k=
Capital10€16k€16k=
Issued capital100€19k€19k=
Uncalled capital101€3k€3k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€156k€176k▲
Amounts payable17/49€56k€53k▼
Amounts payable within one year42/48€56k€53k▼
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€25k€28k▲
Suppliers440/4€25k€28k▲
Taxes, remuneration and social security45€29k€26k▼
Taxes450/3€29k€26k▼
Income statement
Code20212022
Other operating charges640/8€2k€1k▼
Gross operating margin9900€16k€24k▲
Operating profit (loss)9901€14k€23k▲
Financial income75/76B€11k€14k▲
Recurring financial income75€11k€14k▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€24k€34k▲
Income taxes67/77€7k€14k▲
Profit (loss) for the period9904€17k€20k▲
Profit (loss) for the period to be appropriated9905€17k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€156k€176k▲
Profit (loss) brought forward from the previous period14P€139k€156k▲
Timeline · acts, filings and financial milestones
2024
07-05
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · ISO TOIT BV DAALSTRAAT 59, 1790 AFFLIGEM · event 30-04-2024
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 396 days late
23-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 753 days late
23-06
Bankruptcy
Judicial dissolution
Ondernemingsrechtbank Brussel · van: ISO TOIT BV- DAALSTRAAT 59, 1790 AFFLIGEM
09-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 924 days late
2020
31-12
Financial
Highest result since 2018net €36k ▲31.3%
Operating result €32k, net result €36k, both a record.
31-12
Financial
Equity above €150kEq €157k ▲29.8%
3 profitable years in a row build equity to €157k.
2019
31-12
Financial
Equity above €100kEq €121k ▲29.4%
2 profitable years in a row build equity to €121k.
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 238 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 417 days late
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 7 days late
2015
28-12
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 150 days late
28-12
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 515 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Affligem · 1 establishment unit since 2003
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.
Daalstraat 591790 AffligemGround area
93 m²
Building footprint
122 m²
Volume, LiDAR
700 m³
Parcel 23085A0469/00H000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Establishment
since 20032.123.454.120
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23085A0469/00H000 | Flanders | 93 m² | 1 · 122 m² | 9.9 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | Gerry VERSCHUREN BLEEKSTRAAT 11/003,
2800 MECHELEN |
30-04-2024 → present |
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,631 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-10-2002
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45211
41001General construction of residential buildings
43211General electrical installation work
43350Other building finishing work
45310
52740
74700
81220Other building cleaning and industrial cleaning
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.