ISOLA
ActiveISOLA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €293k and a net result of €290k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 38% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency64▼-15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity short (current ratio 0.29 against 0.61 in 2024; short-term debt: 61% and cash: 3.9% of total assets), and 61% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
39%
Return on assets
38.6%
Age of the figures
9 mo
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 27-05-2026, 65 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
65 d early
2024
66 d early
2023
64 d early
2022
61 d early
2021
20 d early
2020
29 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€293k▼ 36.5%
2024 · €462k
2020: €147k
2021: €352k
2022: €702k
2023: €3k
2024: €462k
2020 → 2025
Total assets
€752k▼ 11.6%
2024 · €850k
2020: €209k
2021: €446k
2022: €940k
2023: €582k
2024: €850k
2020 → 2025
Net result
€290k▼ 36.8%
2024 · €459k
2020: €145k
2021: €205k
2022: €350k
2023: €466k
2024: €459k
2020 → 2025
Working capital
€-325k▼ 116%
2024 · €-151k
2020: €147k
2021: €323k
2022: €271k
2023: €-427k
2024: €-151k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€352k-€702k▲ 99.3%€3k▼ 99.6%€462k▲ 16,665%€293k▼ 36.5%
Operating result€266k-€460k▲ 73.0%€539k▲ 17.3%€505k▼ 6.3%€296k▼ 41.4%
Net result€205k-€350k▲ 70.8%€466k▲ 33.1%€459k▼ 1.4%€290k▼ 36.8%
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 has fallen two years in a row; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €752k
Fixed assets
€618k▲ 0.9%
Current assets
€134k▼ 43.8%
Equity and liabilities €752k
Equity
€293k▼ 36.5%
Debt
€459k▲ 18.1%
The debt ratio rises from 45.7% to 61.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€304k▼
2024 · €511k
Cash flow
€299k▼
2024 · €466k
Solvency
39.0%▼
2024 · 54.3%
Current ratio
0.29▼
2024 · 0.61
Quick ratio
0.29▼
2024 · 0.61
Debt / equity
1.57▲
2024 · 0.84
ROE
99.0%▼
2024 · 99.4%
ROA
38.6%▼
2024 · 54.0%
Interest coverage
92.26▼
2024 · 165.64
Debt
€459k▲
2024 · €389k
Debt ≤ 1 year
€459k▲
2024 · €389k
Income taxes
€74k▼
2024 · €126k
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€850k€752k▼
Fixed assets21/28€613k€618k▲
Tangible fixed assets22/27€38k€33k▼
Furniture and vehicles24€16k€11k▼
Other tangible fixed assets26€22k€22k▲
Financial fixed assets28€575k€585k▲
Current assets29/58€238k€134k▼
Amounts receivable after more than one year29€1k€1k=
Other amounts receivable291€1k€1k=
Amounts receivable within one year40/41€218k€104k▼
Trade receivables40€190k€76k▼
Other amounts receivable41€28k€28k=
Cash at bank and in hand54/58€19k€29k▲
Equity and liabilities
Total equity and liabilities10/49€850k€752k▼
Equity10/15€462k€293k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€460k€291k▼
Amounts payable17/49€389k€459k▲
Amounts payable within one year42/48€389k€459k▲
Current portion of amounts payable after more than one year42€79k€34k▼
Trade debts44€2k€556▼
Suppliers440/4€2k€556▼
Taxes, remuneration and social security45€41k€35k▼
Taxes450/3€41k€29k▼
Remuneration and social security454/9-€6k
Other amounts payable47/48€265k€390k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€387€247▼
Gross operating margin9900€512k€305k▼
Operating profit (loss)9901€505k€296k▼
Financial income75/76B€84k€72k▼
Recurring financial income75€84k€72k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€585k€365k▼
Income taxes67/77€126k€74k▼
Profit (loss) for the period9904€459k€290k▼
Profit (loss) for the period to be appropriated9905€459k€290k▼
Appropriation of the result
Profit (loss) to be appropriated9906€460k€750k▲
Profit (loss) brought forward from the previous period14P€755€460k▲
Profit to be distributed694/7€0€459k▲
Return on contributions (dividend)694€0€459k▲
The notes to these accounts (11 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €462k ▲16665%
5 profitable years in a row build equity to €462k.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2020net €466k ▲33.1%
Operating result €539k, net result €466k, both a record.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €702k ▲99.3%
3 profitable years in a row build equity to €702k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €352k ▲139%
2 profitable years in a row build equity to €352k.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Oud-Heverlee · 1 establishment unit since 2020
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.
Molenstraat 193051 Oud-HeverleeGround area
5,735 m²
Building footprint
172 m²
Volume, LiDAR
1,809 m³
Parcel 24100B0304/00N000, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ISOLA
since 20202.305.749.485
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24100B0304/00N000 | Flanders | 5,735 m² | 1 · 172 m² | 14.8 m · 4 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 2024 · 2 entries · 3,944 EUR awarded · 3,944 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,519 EUR | 2,519 EUR |
| 2022 | 1 | 1,425 EUR | 1,425 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 38,264 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.