ISOL-TOIT
ActiveSummary
ISOL-TOIT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €73k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+70
Solvency34▲+34
Growth82▲+30
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 0.54 in 2024; short-term debt: 89.6% of total assets), and 90.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
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
9.5%
Return on assets
32.9%
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 14% of 27965 sector peers (2025).
NBB · sector comparisonPosition among 27965 sector peers
Solvency
better than 14%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
61 d late
2023
138 d late
2022
130 d late
2021
92 d late
2020
23 d late
2019
91 d late
← 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
Turnover
€229k▲ 17.7%
2018 · €195k
2018: €195k
2019: €229k▲ +17.7% vs 2018
2018 → 2019
EBIT margin
10.6%▲ 9.8pp
2018 · 0.7%
2018: 0.7%
2019: 10.6%▲ +1325% vs 2018
2018 → 2019
Net result
€73k
2024 · €-14k
2018: €-2k
2019: €17k▲ +1135% vs 2018
2020: €-18k▼ -206% vs 2019
2021: €13k▲ +173% vs 2020
2022: €5k▼ -61.7% vs 2021
2023: €-57k▼ -1250% vs 2022lowest in 8 years
2024: €-14k▲ +76.3% vs 2023
2025: €73k▲ +634% vs 2024highest in 8 years
2018 → 2025
Working capital
€435
2024 · €-80k
2018: €-13k
2019: €10k▲ +179% vs 2018highest in 8 years
2020: €-22k▼ -319% vs 2019
2021: €-13k▲ +40.9% vs 2020
2022: €-3k▲ +75.0% vs 2021
2023: €-78k▼ -2344% vs 2022
2024: €-80k▼ -3.1% vs 2023lowest in 8 years
2025: €435▲ +101% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€19k▲ 34.8%€-38k€-52k▼ 35.8%€21k
2021: €14k
2022: €19k▲ +34.8% vs 2021
2023: €-38k▼ -297% vs 2022
2024: €-52k▼ -35.8% vs 2023lowest in 5 years
2025: €21k▲ +141% vs 2024highest in 5 years
Operating result€26k-€13k▼ 50.5%€-45k€-10k▲ 77.2%€89k
2021: €26k
2022: €13k▼ -50.5% vs 2021
2023: €-45k▼ -444% vs 2022lowest in 5 years
2024: €-10k▲ +77.2% vs 2023
2025: €89k▲ +964% vs 2024highest in 5 years
Net result€13k-€5k▼ 61.7%€-57k€-14k▲ 76.3%€73k
2021: €13k
2022: €5k▼ -61.7% vs 2021
2023: €-57k▼ -1250% vs 2022lowest in 5 years
2024: €-14k▲ +76.3% vs 2023
2025: €73k▲ +634% vs 2024highest in 5 years
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €89k after a loss of €10k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€23k ▼ 41.3%
Current assets
€198k ▲ 115%
Equity and liabilities €221k
Equity
€21k
Debt
€200k
Debt finances 90.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€108k▲
2024 · €20k
Cash flow
€92k▲
2024 · €17k
Current ratio
1.00▲
2024 · 0.54
Quick ratio
0.87▲
2024 · 0.33
Debt to equity
9.53▲
2024 · -3.53
ROE
346.2%
ROA
32.9%▲
2024 · -10.4%
Interest coverage
13.70▲
2024 · 2.97
Debt ≤ 1 year
€198k▲
2024 · €172k
Debt > 1 year
€2k▼
2024 · €10k
Income taxes
€8k▲
2024 · €-3k
Staff costs
€84k▲
2024 · €49k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€131k€221k▲
Fixed assets21/28€39k€23k▼
Intangible fixed assets21€4k-
Tangible fixed assets22/27€35k€23k▼
Land and buildings22€235€176▼
Plant, machinery and equipment23€33k€22k▼
Furniture and vehicles24€259€61▼
Leasing and similar rights25€2k€345▼
Other tangible fixed assets26€191-
Financial fixed assets28€123€123=
Current assets29/58€92k€198k▲
Stocks and contracts in progress3€35k€26k▼
Stocks30/36€35k€26k▼
Amounts receivable within one year40/41€49k€169k▲
Trade receivables40€28k€158k▲
Other amounts receivable41€21k€10k▼
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€131k€221k▲
Equity10/15€-52k€21k▲
Contributions10/11€6k€6k=
Reserves13€906€906=
Non-distributable reserves130/1€906€906=
Reserves not available under the articles1311€906€906=
Profit (loss) carried forward14€-59k€14k▲
Amounts payable17/49€183k€200k▲
Amounts payable after more than one year17€10k€2k▼
Financial debts170/4€10k€2k▼
Amounts payable within one year42/48€172k€198k▲
Current portion of amounts payable after more than one year42€20k€19k▼
Financial debts43€10k€9k▼
Credit institutions430/8€10k€9k▼
Trade debts44€114k€141k▲
Suppliers440/4€114k€141k▲
Advances received on contracts in progress46€1k€1k=
Taxes, remuneration and social security45€11k€22k▲
Taxes450/3€3k€9k▲
Remuneration and social security454/9€8k€13k▲
Other amounts payable47/48€16k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€49k€84k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€19k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€7k€7k=
Gross operating margin9900€78k€200k▲
Operating profit (loss)9901€-10k€89k▲
Financial income75/76B€46€2▼
Recurring financial income75€46€2▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€-17k€81k▲
Income taxes67/77€-3k€8k▲
Profit (loss) for the period9904€-14k€73k▲
Profit (loss) for the period to be appropriated9905€-14k€73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-59k€14k▲
Profit (loss) brought forward from the previous period14P€-45k€-59k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €51k | €51k | €54k | €49k | €84k | ▲ 69.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21k | €21k | €26k | €31k | €19k | ▼ 37.5% |
| Other operating charges640/8 | €873 | €1k | €2k | €1k | €1k | ▲ 32.4% |
| Non-recurring operating charges66A | - | - | €7k | €7k | €7k | = |
| Gross operating margin9900 | €100k | €87k | €44k | €78k | €200k | ▲ 158% |
| Operating profit (loss)9901 | €26k | €13k | €-45k | €-10k | €89k | ▲ 964% |
| Financial income75/76B | €3 | €195 | €908 | €46 | €2 | ▼ 95.6% |
| Recurring financial income75 | €3 | €195 | €908 | €46 | €2 | ▼ 95.6% |
| Financial charges65/66B | €5k | €5k | €8k | €7k | €8k | ▲ 14.9% |
| Recurring financial charges65 | €5k | €5k | €8k | €7k | €8k | ▲ 14.9% |
| Profit (loss) for the period before taxes9903 | €21k | €8k | €-52k | €-17k | €81k | ▲ 574% |
| Income taxes67/77 | €8k | €3k | €6k | €-3k | €8k | ▲ 339% |
| Profit (loss) for the period9904 | €13k | €5k | €-57k | €-14k | €73k | ▲ 634% |
| Profit (loss) for the period to be appropriated9905 | €13k | €5k | €-57k | €-14k | €73k | ▲ 634% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €119k | €204k | €159k | €131k | €221k | ▲ 68.9% |
| Fixed assets21/28 | €70k | €50k | €69k | €39k | €23k | ▼ 41.3% |
| Intangible fixed assets21 | €21k | €15k | €9k | €4k | - | - |
| Tangible fixed assets22/27 | €49k | €35k | €60k | €35k | €23k | ▼ 35.1% |
| Land and buildings22 | €411 | €352 | €293 | €235 | €176 | ▼ 25.0% |
| Plant, machinery and equipment23 | €15k | €12k | €47k | €33k | €22k | ▼ 32.5% |
| Furniture and vehicles24 | €27k | €18k | €9k | €259 | €61 | ▼ 76.5% |
| Leasing and similar rights25 | €5k | €4k | €3k | €2k | €345 | ▼ 77.7% |
| Other tangible fixed assets26 | €1k | €765 | €478 | €191 | - | - |
| Financial fixed assets28 | €123 | €123 | €123 | €123 | €123 | = |
| Current assets29/58 | €49k | €154k | €90k | €92k | €198k | ▲ 115% |
| Stocks and contracts in progress3 | €18k | €26k | €27k | €35k | €26k | ▼ 24.0% |
| Stocks30/36 | €18k | €26k | €27k | €35k | €26k | ▼ 24.0% |
| Amounts receivable within one year40/41 | €27k | €104k | €50k | €49k | €169k | ▲ 243% |
| Trade receivables40 | €22k | €93k | €30k | €28k | €158k | ▲ 462% |
| Other amounts receivable41 | €5k | €11k | €19k | €21k | €10k | ▼ 50.3% |
| Cash at bank and in hand54/58 | €3k | €4k | - | - | - | - |
| Deferred charges and accrued income490/1 | €1k | €20k | €13k | €8k | €3k | ▼ 59.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €119k | €204k | €159k | €131k | €221k | ▲ 68.9% |
| Equity10/15 | €14k | €19k | €-38k | €-52k | €21k | ▲ 141% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Capital10 | €6k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Uncalled capital101 | €12k | - | - | - | - | - |
| Reserves13 | €906 | €906 | €906 | €906 | €906 | = |
| Non-distributable reserves130/1 | €906 | €906 | €906 | €906 | €906 | = |
| Legal reserve130 | €906 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €906 | €906 | €906 | €906 | = |
| Profit (loss) carried forward14 | €7k | €12k | €-45k | €-59k | €14k | ▲ 124% |
| Amounts payable17/49 | €104k | €185k | €197k | €183k | €200k | ▲ 9.6% |
| Amounts payable after more than one year17 | €43k | €27k | €30k | €10k | €2k | ▼ 79.5% |
| Financial debts170/4 | €43k | €27k | €30k | €10k | €2k | ▼ 79.5% |
| Amounts payable within one year42/48 | €62k | €157k | €167k | €172k | €198k | ▲ 14.9% |
| Current portion of amounts payable after more than one year42 | €15k | €15k | €27k | €20k | €19k | ▼ 3.5% |
| Financial debts43 | - | €15k | €14k | €10k | €9k | ▼ 6.5% |
| Credit institutions430/8 | - | €15k | €14k | €10k | €9k | ▼ 6.5% |
| Trade debts44 | €13k | €87k | €88k | €114k | €141k | ▲ 24.0% |
| Suppliers440/4 | €13k | €87k | €88k | €114k | €141k | ▲ 24.0% |
| Advances received on contracts in progress46 | - | €1k | €1k | €1k | €1k | = |
| Taxes, remuneration and social security45 | €8k | €18k | €14k | €11k | €22k | ▲ 97.9% |
| Taxes450/3 | €6k | €10k | €12k | €3k | €9k | ▲ 187% |
| Remuneration and social security454/9 | €3k | €9k | €1k | €8k | €13k | ▲ 63.0% |
| Other amounts payable47/48 | €26k | €21k | €23k | €16k | €5k | ▼ 68.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13k | €5k | €-57k | €-14k | €73k | ▲ 634% |
| + Depreciation and write-downs630 | €21k | €21k | €26k | €31k | €19k | ▼ 37.5% |
| Operating cash flow (approximation) | €34k | €26k | €-31k | €17k | €92k | ▲ 439% |
| Investment in fixed assets (approximation) | - | €-1k | €-45k | €0 | €-3k | - |
| Change in cash | - | €690 | - | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €73k
Net result €73k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 138 days late
2023
31-12
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
08-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 130 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 10 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
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, La Louvière · 1 establishment unit since 2015
Ground area
377 m²
Building footprint
62 m²
Volume, LiDAR
492 m³
Parcel 55015A0164/00E033, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Isol-Toit
since 20152.245.730.142
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55015A0164/00E033 | Wallonia | 377 m² | 1 · 62 m² | 9.3 m · 3 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.
Recognitions · licences · registrations
Recognised contractor
12 categoriesISOL-TOIT SRL41957
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Of 4,271 companies in sector 43230 we hold annual accounts for 1,240. 885 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
Founded24-09-2015
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
43410Roofing work
81300Landscape service activities
Contact
Phone
064337721
Fax
064337721
Phone
0497/535786La Louvière
Scores and ratios are computed by Checked and are not a credit decision.