ISOFLUX
ActiveSummary
The computed 12-month bankruptcy probability of ISOFLUX is 1.9% (moderate). The 2025 annual accounts show equity of €92k and a net result of €10k. Equity is growing by ~61.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 27965 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-22
Solvency95▲+14
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.46 against 2.4 in 2024; short-term debt: 26% and cash: 44.6% of total assets), and 30.2% of the assets are financed with debt.
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Signals
Four 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
69.8%
Return on assets
7.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
24 d late
2022
6 d early
2021
27 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 11.9%
2024 · €82k
Total assets
€132k▼ 9.6%
2024 · €146k
Net result
€10k▼ 78.7%
2024 · €46k
Working capital
€84k▲ 15.0%
2024 · €73k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12k-€18k▲ 43.3%€14k▼ 22.5%€70k▲ 416%€17k▼ 76.4%
Net result€9k-€12k▲ 33.3%€11k▼ 7.6%€46k▲ 326%€10k▼ 78.7%
Equity€14k-€25k▲ 85.0%€36k▲ 42.5%€82k▲ 127%€92k▲ 11.9%
Total assets€25k-€32k▲ 30.8%€81k▲ 150%€146k▲ 80.7%€132k▼ 9.6%
Debt€11k-€7k▼ 37.7%€44k▲ 557%€64k▲ 43.1%€40k▼ 37.4%
Working capital€12k-€23k▲ 89.4%€25k▲ 7.1%€73k▲ 197%€84k▲ 15.0%
Staff (FTE)0.2
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132k
Fixed assets
€13k ▼ 34.3%
Current assets
€119k ▼ 5.7%
Equity and liabilities €132k
Equity
€92k ▲ 11.9%
Debt
€40k ▼ 37.4%
Debt's share of the balance-sheet total falls from 43.6% to 30.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▼
2024 · €81k
Cash flow
€17k▼
2024 · €57k
Current ratio
3.46▲
2024 · 2.40
Debt to equity
0.43▼
2024 · 0.77
ROE
10.7%▼
2024 · 55.9%
ROA
7.4%▼
2024 · 31.5%
Interest coverage
10.25▼
2024 · 48.03
Debt ≤ 1 year
€34k▼
2024 · €53k
Debt > 1 year
€5k▼
2024 · €11k
Income taxes
€5k▼
2024 · €23k
Staff costs
€65k▲
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €4k | €32k | €65k | ▲ 103% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €80 | €686 | €5k | €11k | €7k | ▼ 36.4% |
| Other operating charges640/8 | €207 | €496 | €2k | €2k | €3k | ▲ 86.5% |
| Gross operating margin9900 | €13k | €19k | €25k | €115k | €91k | ▼ 20.4% |
| Operating profit (loss)9901 | €12k | €18k | €14k | €70k | €17k | ▼ 76.4% |
| Financial income75/76B | €39 | €177 | €579 | €159 | €43 | ▼ 73.3% |
| Recurring financial income75 | €39 | €177 | €579 | €159 | €43 | ▼ 73.3% |
| Non-recurring financial income76B | €39 | €177 | - | - | - | - |
| Financial charges65/66B | €221 | €56 | €554 | €2k | €2k | ▲ 35.5% |
| Recurring financial charges65 | €221 | €56 | €554 | €2k | €2k | ▲ 35.5% |
| Non-recurring financial charges66B | €221 | €56 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €12k | €18k | €14k | €69k | €14k | ▼ 79.1% |
| Income taxes67/77 | €3k | €6k | €3k | €23k | €5k | ▼ 80.1% |
| Profit (loss) for the period9904 | €9k | €12k | €11k | €46k | €10k | ▼ 78.7% |
| Profit (loss) for the period to be appropriated9905 | €9k | €12k | €11k | €46k | €10k | ▼ 78.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €25k | €32k | €81k | €146k | €132k | ▼ 9.6% |
| Fixed assets21/28 | €2k | €2k | €30k | €20k | €13k | ▼ 34.3% |
| Tangible fixed assets22/27 | €2k | €2k | €30k | €20k | €13k | ▼ 34.3% |
| Plant, machinery and equipment23 | €2k | €794 | €4k | €3k | €2k | ▼ 26.4% |
| Furniture and vehicles24 | - | €2k | €26k | €17k | €11k | ▼ 35.6% |
| Current assets29/58 | €23k | €30k | €51k | €126k | €119k | ▼ 5.7% |
| Amounts receivable within one year40/41 | €671 | €1k | €18k | €29k | €60k | ▲ 109% |
| Trade receivables40 | - | €1k | €13k | €29k | €50k | ▲ 74.8% |
| Other amounts receivable41 | €671 | €357 | €5k | - | €10k | - |
| Cash at bank and in hand54/58 | €22k | €27k | €31k | €94k | €59k | ▼ 37.4% |
| Deferred charges and accrued income490/1 | €787 | €1k | €2k | €3k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €25k | €32k | €81k | €146k | €132k | ▼ 9.6% |
| Equity10/15 | €14k | €25k | €36k | €82k | €92k | ▲ 11.9% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Reserves13 | €9k | €20k | €31k | €77k | €87k | ▲ 12.7% |
| Distributable reserves133 | €9k | €20k | €31k | €77k | €87k | ▲ 12.7% |
| Amounts payable17/49 | €11k | €7k | €44k | €64k | €40k | ▼ 37.4% |
| Amounts payable after more than one year17 | - | - | €16k | €11k | €5k | ▼ 51.0% |
| Financial debts170/4 | - | - | €16k | €11k | €5k | ▼ 51.0% |
| Amounts payable within one year42/48 | €11k | €7k | €26k | €53k | €34k | ▼ 34.6% |
| Current portion of amounts payable after more than one year42 | - | - | €6k | €5k | €10k | ▲ 80.1% |
| Trade debts44 | €5k | €303 | €2k | €7k | €1k | ▼ 86.3% |
| Suppliers440/4 | €5k | €303 | €2k | €7k | €1k | ▼ 86.3% |
| Advances received on contracts in progress46 | €2k | - | - | - | - | - |
| Taxes, remuneration and social security45 | €3k | €6k | €17k | €35k | €21k | ▼ 39.0% |
| Taxes450/3 | €3k | €6k | €5k | €35k | €9k | ▼ 73.6% |
| Remuneration and social security454/9 | - | - | €12k | - | €12k | - |
| Other amounts payable47/48 | €826 | €439 | €400 | €5k | €2k | ▼ 50.2% |
| Accrued charges and deferred income492/3 | - | - | €2k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €12k | €11k | €46k | €10k | ▼ 78.7% |
| + Depreciation and write-downs630 | €80 | €686 | €5k | €11k | €7k | ▼ 36.4% |
| Operating cash flow (approximation) | €9k | €12k | €16k | €57k | €17k | ▼ 70.6% |
| Investment in fixed assets (approximation) | - | €-1k | €-32k | €-1k | €0 | ▲ 100% |
| Change in cash | - | €6k | €3k | €63k | €-35k | ▼ 155% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2021net €46k ▲326%
Operating result €70k, net result €46k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 4.41
Current ratio from 2.12 to 4.41; short-term debt falls from €11k to €7k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Genk · 1 establishment unit since 2020
Ground area
2,402 m²
Building footprint
353 m²
Volume, LiDAR
2,589 m³
Parcel 71307H0481/00A000, Flanders · tallest building 12.2 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
ISOFLUX
since 20202.299.195.948
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71307H0481/00A000 | Flanders | 2,402 m² | 1 · 353 m² | 12.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
2024 · 1 entry · 300 EUR awarded · 300 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 300 EUR | 300 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,238. 1,045 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
43240Other construction installation
Scores and ratios are computed by Checked and are not a credit decision.