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ISOLATIE & CONSTRUCTIE

Active
Public limited companyfounded 199630 yrs activeBaarle-Frankrijkstraat 13, 9830 Sint-Martens-Latem, BelgiumKBO/BCE: BE 0457.367.767
Summary

ISOLATIE & CONSTRUCTIE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28,994 and a net result of €19,587. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 60% of 503 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
ISOLATIE & CONSTRUCTIEActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
Renting and leasing of cars and light motor vehicles
NACE 77110
1 site
Size
€56,520total assets 2025
Equity
€28,994
Profit
€19,587
Net result -95%: other schema
Financial health
92 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Parent
P.C.C. · 98.18%
Accounts filed 31 d late0 of 9 deeds read
Why 92- 1 change of registered office in 24 months- Latest accounts 31 days late; 1 of the last 3 late+ Liquidity: current ratio 2.05, cash €46,878, halved+ Equity €28,994 (51.3% of total assets)Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Better than 86% of its sector peers (NACE 77, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 76+46
equity 51.3% of total assets
Liquidity 76+26
short-term debt 48.7% · cash 82.9%
Profitability 100=
return on assets 34.7%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (3,141 companies)
Last 24 months 11-2024: 1.8% 12-2024: 1.8%● 0.0% vs 11-2024 01-2025: 1.8%● 0.0% vs 12-2024 02-2025: 1.8%● 0.0% vs 01-2025 03-2025: 1.7%▼ -4.8% vs 02-2025 04-2025: 1.7%▼ -2.5% vs 03-2025 05-2025: 2.0%▲ +19.5% vs 04-2025highest value 06-2025: 1.8%▼ -8.2% vs 05-2025 07-2025: 0.5%▼ -72.7% vs 06-2025 08-2025: 0.5%● 0.0% vs 07-2025 09-2025: 0.5%● 0.0% vs 08-2025 10-2025: 0.5%● 0.0% vs 09-2025 11-2025: 0.5%● 0.0% vs 10-2025 12-2025: 0.5%● 0.0% vs 11-2025 01-2026: 0.4%▼ -11.3% vs 12-2025 02-2026: 0.4%● 0.0% vs 01-2026 03-2026: 0.4%▼ -0.2% vs 02-2026 04-2026: 0.4%▼ -2.5% vs 03-2026 05-2026: 0.5%▲ +19.7% vs 04-2026 06-2026: 0.5%▼ -4.7% vs 05-2026 07-2026: 0.5%▲ +12.3% vs 06-2026 08-2026: 0.8%▲ +45.7% vs 07-2026 09-2026: 0.2%▼ -70.3% vs 08-2026lowest value 10-2026: 0.2%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 2.05, cash €46,878, halved lowers the probability
  • 1 change of registered office in 24 months raises the probability
  • Latest accounts 31 days late; 1 of the last 3 late raises the probability
  • Equity €28,994 (51.3% of total assets) lowers the probability
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 2.05 against 1.05 in 2024; short-term debt: 48.7% and cash: 82.9% of total assets), and 48.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 77, micro). Better than this share of them on solvency 66%, liquidity 85%, profitability 95%, growth against the median 96%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 2.05, cash €46,878, halved
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Latest accounts 31 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Equity €28,994 (51.3% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 · 10 filings
Deviation from the deadline
2025
31 d late
2024
42 d early
2023
30 d late
2022
31 d late
2021
30 d late
2020
8 d early
2019
4 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

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. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Highest result since 2018net €407,145 ▲167%

Key points

  • Caution: Result fell in 2025different schema filed ▼ 95.2% View
  • Caution: Among the weakest 10% on equitysector median €1.2m · 503 companies €28,994 View
  • Controlled by P.C.C. 98.18% View

By topic

Financials

Fiscal year
2025
Total assets
€56,520
Profit
€19,587
Solvency
51.3%
Total assets▼ 69.1%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 19-06-2025Annual accounts filed
  3. 31-12-2024Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Renting and leasing of cars and light motor…NACE 77110
Founded
26-02-1996
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark

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