ISOBATI'S
ActiveThe computed 12-month bankruptcy probability of ISOBATI'S is 2.5% (moderate). The 2025 annual accounts show equity of €33k and a net result of €8k. Equity is growing by ~66.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 7692 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
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency69▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.07 in 2024; short-term debt: 56% and cash: 66.6% of total assets), and 56% 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 · 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 →
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
44%
Return on assets
10.7%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
25 d early
2024
114 d early
2023
23 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, abbreviated schema
Equity
€33k▲ 32.2%
2024 · €25k
2023: €-265
2024: €25k
2023 → 2025
Total assets
€76k▲ 18.5%
2024 · €64k
2023: €52k
2024: €64k
2023 → 2025
Net result
€8k▼ 68.2%
2024 · €25k
2023: €-7k
2024: €25k
2023 → 2025
Working capital
€21k▲ 660%
2024 · €3k
2023: €-32k
2024: €3k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-265-€25k€33k▲ 32.2%
Operating result€-7k-€26k€13k▼ 49.7%
Net result€-7k-€25k€8k▼ 68.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€13k▼ 43.4%
Current assets
€63k▲ 52.2%
Equity and liabilities €76k
Equity
€33k▲ 32.2%
Debt
€42k▲ 9.6%
The debt ratio falls from 60.6% to 56.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €35k
Cash flow
€18k▼
2024 · €35k
Solvency
44.0%▲
2024 · 39.4%
Current ratio
1.48▲
2024 · 1.07
Quick ratio
1.45▲
2024 · 1.04
Debt / equity
1.27▼
2024 · 1.54
ROE
24.3%▼
2024 · 101.1%
ROA
10.7%▼
2024 · 39.9%
Interest coverage
268.09▼
2024 · 308.06
Debt
€42k▲
2024 · €39k
Debt ≤ 1 year
€42k▲
2024 · €39k
Income taxes
€5k
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€64k€76k▲
Fixed assets21/28€22k€13k▼
Tangible fixed assets22/27€22k€13k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€20k€11k▼
Current assets29/58€41k€63k▲
Stocks and contracts in progress3€1k€1k▲
Stocks30/36€1k€1k▲
Amounts receivable within one year40/41€20k€11k▼
Trade receivables40€20k€11k▼
Cash at bank and in hand54/58€20k€50k▲
Equity and liabilities
Total equity and liabilities10/49€64k€76k▲
Equity10/15€25k€33k▲
Contributions10/11€7k€7k=
Capital10€7k€7k=
Issued capital100€7k€7k=
Reserves13€19k€27k▲
Distributable reserves133€19k€27k▲
Amounts payable17/49€39k€42k▲
Amounts payable within one year42/48€39k€42k▲
Trade debts44€316€5k▲
Suppliers440/4€316€5k▲
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€36k€36k=
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€45k€61k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€100€220▲
Gross operating margin9900€35k€23k▼
Operating profit (loss)9901€26k€13k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€115€84▼
Recurring financial charges65€115€84▼
Profit (loss) for the period before taxes9903€25k€13k▼
Income taxes67/77-€5k
Profit (loss) for the period9904€25k€8k▼
Profit (loss) for the period to be appropriated9905€25k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€8k▼
Profit (loss) brought forward from the previous period14P€-7k-
Transfer to equity691/2€19k€8k▼
To other reserves6921€19k€8k▼
The notes to these accounts (3 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.07
Current ratio from 0.39 to 1.07; short-term debt falls from €52k to €39k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Tienen · 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.
Leuvensestraat 1313300 TienenGround area
763 m²
Building footprint
496 m²
Volume, LiDAR
3,310 m³
2 parcels, Flanders, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ISOBATI'S
since 20232.345.046.858
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593G0715/00A000 | Flanders | 401 m² | 1 · 375 m² | 11.8 m · 2 fl. |
| 62113B0273/00G000 | Wallonia | 361 m² | 1 · 121 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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A.T.A.D
BE 0461.806.310
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FD GROUP
BE 0801.325.908
Evere · Eq €33k
Entreprises Sadzawka
BE 0436.252.352
Oudergem · Eq €33k
E.B ISOL SERVICES
BE 0703.948.004
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WARNIER LONNOY SABLAGE
BE 0811.094.105
Limbourg · Eq €33k
Of 4,265 companies in sector 43230 we hold annual accounts for 1,239. 970 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2023
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.