ISODELNA
ActiveISODELNA has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €498k and a net result of €-35k. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 53% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▲+15
Solvency72▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.57 in 2024; short-term debt: 31.9% and cash: 17.5% of total assets), but 53.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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 · 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 €-35k
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 09-07-2026, 22 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
22 d early
2024
6 d early
2023
34 d early
2022
70 d early
2021
72 d early
2020
60 d early
2019
65 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-35k▲ 88.1%
2024 · €-293k
2018: €151k
2019: €-12k
2020: €-71k
2021: €-76k
2022: €21k
2023: €176k
2024: €-293k
2018 → 2025
Working capital
€189k▼ 16.2%
2024 · €225k
2018: €524k
2019: €531k
2020: €451k
2021: €364k
2022: €395k
2023: €502k
2024: €225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€628k-€650k▲ 3.4%€826k▲ 27.2%€533k▼ 35.4%€498k▼ 6.5%
Operating result€-76k-€22k€219k▲ 888%€-280k€-28k▲ 90.0%
Net result€-76k-€21k€176k▲ 721%€-293k€-35k▲ 88.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2025 against €280k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€537k▼ 3.8%
Current assets
€528k▼ 15.2%
Equity and liabilities €1.07M
Equity
€498k▼ 6.5%
Debt
€567k▼ 12.5%
The debt ratio falls from 54.8% to 53.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-870▲
2024 · €-240k
Cash flow
€-8k▲
2024 · €-254k
Solvency
46.8%▲
2024 · 45.2%
Current ratio
1.56▼
2024 · 1.57
Quick ratio
1.26▼
2024 · 1.37
Debt / equity
1.14▼
2024 · 1.21
ROE
-7.0%▲
2024 · -54.9%
ROA
-3.3%▲
2024 · -24.8%
Interest coverage
-0.07▲
2024 · -16.42
Debt
€567k▼
2024 · €648k
Debt ≤ 1 year
€340k▼
2024 · €398k
Debt > 1 year
€227k▼
2024 · €241k
Income taxes
€875▼
2024 · €1k
Staff costs
€466k▼
2024 · €683k
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€1.18M€1.07M▼
Fixed assets21/28€558k€537k▼
Tangible fixed assets22/27€434k€407k▼
Land and buildings22€420k€397k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€2k€64▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€124k€130k▲
Current assets29/58€623k€528k▼
Stocks and contracts in progress3€78k€99k▲
Stocks30/36€78k€99k▲
Amounts receivable within one year40/41€413k€234k▼
Trade receivables40€312k€167k▼
Other amounts receivable41€102k€67k▼
Cash at bank and in hand54/58€131k€186k▲
Deferred charges and accrued income490/1€953€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.07M▼
Equity10/15€533k€498k▼
Contributions10/11€38k€38k=
Reserves13€737k€737k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€720k€720k=
Profit (loss) carried forward14€-242k€-277k▼
Amounts payable17/49€648k€567k▼
Amounts payable after more than one year17€241k€227k▼
Financial debts170/4€241k€227k▼
Amounts payable within one year42/48€398k€340k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€312k€265k▼
Suppliers440/4€312k€265k▼
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€1k€684▼
Remuneration and social security454/9€13k€9k▼
Other amounts payable47/48€58k€50k▼
Accrued charges and deferred income492/3€9k€560▼
Income statement
Code20242025
Remuneration, social security and pensions62€683k€466k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€27k▼
Other operating charges640/8€6k€11k▲
Gross operating margin9900€449k€476k▲
Operating profit (loss)9901€-280k€-28k▲
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€15k€12k▼
Recurring financial charges65€15k€12k▼
Profit (loss) for the period before taxes9903€-292k€-34k▲
Income taxes67/77€1k€875▼
Profit (loss) for the period9904€-293k€-35k▲
Profit (loss) for the period to be appropriated9905€-293k€-35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-242k€-277k▼
Profit (loss) brought forward from the previous period14P€51k€-242k▼
Social balance
Average headcount (FTE)908713.0-
The notes to these accounts (10 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-293k ▼266%
Net result drops to €-293k, the lowest in the series; recovery starts the following year.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €176k ▲721%
Operating result €219k, net result €176k, both a record.
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €21k
Net result €21k after 3 loss-making years.
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Namur · 1 establishment unit since 1983
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 Léon Lefèvre(CH) 445020 NamurGround area
606 m²
Building footprint
285 m²
Volume, LiDAR
1,587 m³
Parcel 92024D0280/00P002, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISODELNA
since 19832.022.603.517
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92024D0280/00P002 | Wallonia | 606 m² | 1 · 284 m² | 6.8 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.
Recognitions · licences · registrations
Recognised contractor
3 categoriesISODELNA SRL17448
Similar companies · same sector, comparable size
't Isolateurtje
BE 0860.210.549
Ichtegem · Eq €500k
RENOBO
BE 0877.603.045
Wommelgem · Eq €502k
W.W. ISOLATIE
BE 0478.033.618
Zoersel · Eq €492k
ISOMEL
BE 0546.747.032
Gerpinnes · Eq €490k
Cmconcept Belux
BE 0725.664.423
Braine-le-Comte · Eq €508k
Of 4,270 companies in sector 43230 we hold annual accounts for 1,241. 744 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-1983
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43310Plastering work
41001General construction of residential buildings
43211General electrical installation work
43410Roofing work
45211
45220
45310
46831Wholesale of construction materials, general range
51532
Sources
Crossroads Bank for EnterprisesNational Bank · 44 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.
Contact details
4 entriesE-mail:info@isodelna.be
E-mail:isodelna@skynet.be
Phone:081212970
Fax:081214307