isocraft
Activeisocraft has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €-7k. Equity is growing by ~34.9% per year across the filed fiscal years. Its solvency ranks better than 20% of 111 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-42
Solvency38▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.58 in 2024; short-term debt: 60.2% and cash: 1.2% of total assets), and 86.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 20
Relative position
BE, all sectors
reference
Sector 20
lower
← fewer bankruptcies
more bankruptcies →
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
13.1%
Return on assets
-1.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 111 sector peers (2025).
NBB · sector comparisonPosition among 111 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 8 filingsDeviation from the deadline
2025
20 d late
2024
38 d early
2023
40 d early
2022
105 d early
2021
45 d early
2020
23 d early
2019
21 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€70k▼ 9.3%
2024 · €77k
2019: €-16k
2020: €5k
2021: €27k
2022: €53k
2023: €161k
2024: €77k
2019 → 2025
Total assets
€537k▲ 6.7%
2024 · €503k
2019: €42k
2020: €134k
2021: €254k
2022: €348k
2023: €359k
2024: €503k
2019 → 2025
Net result
€-7k
2024 · €57k
2019: €30k
2020: €20k
2021: €23k
2022: €66k
2023: €108k
2024: €57k
2019 → 2025
Working capital
€154k▼ 0.8%
2024 · €156k
2019: €-24k
2020: €-3k
2021: €15k
2022: €2k
2023: €97k
2024: €156k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€53k▲ 95.9%€161k▲ 202%€77k▼ 51.9%€70k▼ 9.3%
Operating result€28k-€70k▲ 153%€152k▲ 116%€81k▼ 47.0%€-4k
Net result€23k-€66k▲ 191%€108k▲ 62.7%€57k▼ 47.5%€-7k
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 turns negative in 2025: a loss of €4k after €81k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €537k
Fixed assets
€59k▼ 24.4%
Current assets
€477k▲ 12.5%
Equity and liabilities €537k
Equity
€70k▼ 9.3%
Debt
€467k▲ 9.6%
The debt ratio rises from 84.6% to 86.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€35k▼
2024 · €120k
Cash flow
€32k▼
2024 · €96k
Solvency
13.1%▼
2024 · 15.4%
Current ratio
1.48▼
2024 · 1.58
Quick ratio
1.39▼
2024 · 1.50
Debt / equity
6.64▲
2024 · 5.49
ROE
-10.2%▼
2024 · 73.0%
ROA
-1.3%▼
2024 · 11.2%
Interest coverage
2.89▼
2024 · 14.68
Debt
€467k▲
2024 · €426k
Debt ≤ 1 year
€323k▲
2024 · €269k
Debt > 1 year
€134k▼
2024 · €152k
Income taxes
€377▼
2024 · €21k
Staff costs
€305k▲
2024 · €302k
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€503k€537k▲
Fixed assets21/28€79k€59k▼
Intangible fixed assets21€8k€15k▲
Tangible fixed assets22/27€71k€44k▼
Plant, machinery and equipment23€24k€27k▲
Leasing and similar rights25€46k€17k▼
Financial fixed assets28-€486
Current assets29/58€424k€477k▲
Amounts receivable after more than one year29€200k€200k=
Other amounts receivable291€200k€200k=
Stocks and contracts in progress3€21k€27k▲
Stocks30/36€21k€27k▲
Amounts receivable within one year40/41€176k€223k▲
Trade receivables40€176k€193k▲
Other amounts receivable41€246€30k▲
Cash at bank and in hand54/58€4k€6k▲
Deferred charges and accrued income490/1€23k€22k▼
Equity and liabilities
Total equity and liabilities10/49€503k€537k▲
Equity10/15€77k€70k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€59k€52k▼
Amounts payable17/49€426k€467k▲
Amounts payable after more than one year17€152k€134k▼
Financial debts170/4€152k€134k▼
Amounts payable within one year42/48€269k€323k▲
Current portion of amounts payable after more than one year42€24k€18k▼
Financial debts43€50k€50k=
Credit institutions430/8€50k€50k=
Trade debts44€86k€95k▲
Suppliers440/4€86k€95k▲
Taxes, remuneration and social security45€109k€40k▼
Taxes450/3€87k€19k▼
Remuneration and social security454/9€21k€21k▼
Other amounts payable47/48€6€120k▲
Accrued charges and deferred income492/3€5k€10k▲
Income statement
Code20242025
Remuneration, social security and pensions62€302k€305k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€40k▲
Other operating charges640/8€5k€2k▼
Gross operating margin9900€427k€343k▼
Operating profit (loss)9901€81k€-4k▼
Financial income75/76B€5k€10k▲
Recurring financial income75€5k€10k▲
Financial charges65/66B€8k€12k▲
Recurring financial charges65€8k€12k▲
Profit (loss) for the period before taxes9903€78k€-7k▼
Income taxes67/77€21k€377▼
Profit (loss) for the period9904€57k€-7k▼
Profit (loss) for the period to be appropriated9905€57k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€199k€52k▼
Profit (loss) brought forward from the previous period14P€142k€59k▼
Profit to be distributed694/7€140k€0▼
Return on contributions (dividend)694€140k€0▼
Social balance
Average headcount (FTE)90875.65.2▼
The notes to these accounts (20 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
31-12
Financial
Weakest financial yearnet €-7k ▼113%
Net result drops to €-7k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €108k ▲62.7%
Operating result €152k, net result €108k, both a record.
31-12
Financial
Equity above €150kEq €161k ▲202%
5 profitable years in a row build equity to €161k.
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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, Rumst · 1 establishment unit since 2017
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.
Mechelsesteenweg 92840 RumstGround area
1.1 ha
Building footprint
206 m²
Volume, LiDAR
635 m³
Parcel 11037A0183/00H000, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
bvba isocraft
since 20172.262.402.264
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037A0183/00H000 | Flanders | 1.1 ha | 1 · 206 m² | 11.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 2,003 EUR awarded · 2,003 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 516 EUR | 516 EUR |
| 2024 | 1 | 1,110 EUR | 1,110 EUR |
| 2022 | 1 | 377 EUR | 377 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 139 companies in sector 20160 we hold annual accounts for 95. 26 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2017
Fiscal year end31-12
Activities, NACEBEL
20160Manufacture of chemicals and chemical products
22230Manufacture of rubber and plastic products
22250Manufacture of rubber and plastic products
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.