ISOBIO
ActiveThe annual accounts of ISOBIO for fiscal year 2025 show a net loss of 62% of total assets and of 80% of the equity at the start of that year. The 2025 annual accounts show equity of €16k and a net result of €-58k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 11323 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
34
/ 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=
Solvency42▼-45
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.09 against 2.27 in 2024; short-term debt: 83% and cash: 1% of total assets), and 83% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
17%
Return on assets
-62.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
1819202122232425
2018 to 2025 · latest year €-58k
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
14 d early
2023
28 d late
2022
297 d late
2021
45 d early
2020
38 d early
2019
11 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 78.2%
2024 · €73k
2018: €47k
2019: €58k
2020: €87k
2021: €111k
2022: €90k
2023: €96k
2024: €73k
2018 → 2025
Total assets
€93k▼ 21.1%
2024 · €118k
2018: €131k
2019: €109k
2020: €114k
2021: €151k
2022: €196k
2023: €218k
2024: €118k
2018 → 2025
Net result
€-58k▼ 149%
2024 · €-23k
2018: €15k
2019: €10k
2020: €29k
2021: €24k
2022: €-22k
2023: €46k
2024: €-23k
2018 → 2025
Working capital
€7k▼ 87.8%
2024 · €57k
2018: €31k
2019: €48k
2020: €79k
2021: €98k
2022: €65k
2023: €74k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€90k▼ 19.4%€96k▲ 7.1%€73k▼ 24.3%€16k▼ 78.2%
Operating result€35k-€-20k€70k€-13k€-59k▼ 345%
Net result€24k-€-22k€46k€-23k€-58k▼ 149%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €59k in 2025 against €13k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€9k▼ 41.8%
Current assets
€84k▼ 18.0%
Equity and liabilities €93k
Equity
€16k▼ 78.2%
Debt
€77k▲ 70.9%
The debt ratio rises from 38.4% to 83.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-53k▼
2024 · €-7k
Cash flow
€-52k▼
2024 · €-17k
Solvency
17.0%▼
2024 · 61.6%
Current ratio
1.09▼
2024 · 2.27
Quick ratio
0.90▼
2024 · 1.92
Debt / equity
4.89▲
2024 · 0.62
ROE
-366.8%▼
2024 · -32.0%
ROA
-62.3%▼
2024 · -19.7%
Interest coverage
-36.17▼
2024 · -1.30
Debt
€77k▲
2024 · €45k
Debt ≤ 1 year
€77k▲
2024 · €45k
Income taxes
€357▼
2024 · €6k
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€118k€93k▼
Fixed assets21/28€15k€9k▼
Tangible fixed assets22/27€15k€9k▼
Furniture and vehicles24€15k€9k▼
Financial fixed assets28€196€196=
Current assets29/58€103k€84k▼
Stocks and contracts in progress3€16k€15k▼
Stocks30/36€16k€15k▼
Amounts receivable within one year40/41€81k€68k▼
Trade receivables40€57k€38k▼
Other amounts receivable41€24k€30k▲
Cash at bank and in hand54/58€5k€930▼
Deferred charges and accrued income490/1€764€852▲
Equity and liabilities
Total equity and liabilities10/49€118k€93k▼
Equity10/15€73k€16k▼
Contributions10/11€11k€12k▲
Profit (loss) carried forward14€61k€3k▼
Amounts payable17/49€45k€77k▲
Amounts payable within one year42/48€45k€77k▲
Financial debts43-€20k
Credit institutions430/8-€20k
Trade debts44€29k€41k▲
Suppliers440/4€29k€41k▲
Taxes, remuneration and social security45€563€592▲
Taxes450/3€563€592▲
Other amounts payable47/48€16k€15k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€532€387▼
Non-recurring operating charges66A€88-
Gross operating margin9900€-6k€-52k▼
Operating profit (loss)9901€-13k€-59k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€5k€1k▼
Recurring financial charges65€5k€1k▼
Profit (loss) for the period before taxes9903€-17k€-58k▼
Income taxes67/77€6k€357▼
Profit (loss) for the period9904€-23k€-58k▼
Profit (loss) for the period to be appropriated9905€-23k€-58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€3k▼
Profit (loss) brought forward from the previous period14P€85k€61k▼
The notes to these accounts (6 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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-58k
Net result drops to €-58k, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 297 days late
2023
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €111k ▲28.1%
4 profitable years in a row build equity to €111k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 3.92
Current ratio from 1.94 to 3.92; short-term debt falls from €51k to €27k.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
13-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 197 days late
2018
11-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 11 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial 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, Fleurus · 1 establishment unit since 1991
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.
Rue de Fleurjoux(WB) 3806224 FleurusGround area
1,084 m²
Building footprint
129 m²
Volume, LiDAR
662 m³
Parcel 52071C0075/00T002, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Fleurjoux(WB) 380, 6224 Fleurus
since 19912.055.329.238
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52071C0075/00T002 | Wallonia | 1,084 m² | 1 · 129 m² | 7.5 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.
Similar companies · same sector, comparable size
GLOBAL PLUS
BE 0846.948.471
Koksijde · Eq €16k
PURE O
BE 0550.511.820
Antwerpen · Eq €16k
sealadvice
BE 0656.503.423
Antwerpen · Eq €17k
ANUCHEM
BE 0449.832.352
Stabroek · Eq €17k
MIBIST
BE 0878.275.414
Eupen · Eq €18k
Of 1,229 companies in sector 46851 we hold annual accounts for 516. 102 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-1991
Fiscal year end31-12
Activities, NACEBEL
46851Wholesale of industrial chemicals
51550
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.