ISOLEXT
ActiveThe computed 12-month bankruptcy probability of ISOLEXT is 1.7% (moderate). The 2025 annual accounts show equity of €46k and a net result of €17k. Equity is shrinking by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 22% of 27451 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+3
Solvency45▲+14
Growth58=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 0.99 in 2024; short-term debt: 79.5% and cash: 15.1% of total assets), and 79.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 27451 sector peers (2025).
NBB · sector comparisonPosition among 27451 sector peers
Solvency
better than 22%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €46k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 filingsDeviation from the deadline
2025
2 d late
2024
2 d early
2023
21 d late
2022
on the day
2021
106 d late
2020
9 d late
2019
7 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€17k▼ 18.1%
2024 · €21k
2019: €959
2020: €1k
2021: €4k
2022: €35k
2023: €-70k
2024: €21k
2019 → 2025
Working capital
€26k
2024 · €-3k
2019: €39k
2020: €43k
2021: €30k
2022: €85k
2023: €-31k
2024: €-3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€129k▲ 37.1%€8k▼ 93.7%€29k▲ 256%€46k▲ 58.9%
Operating result€12k-€49k▲ 298%€-66k€23k€21k▼ 8.0%
Net result€4k-€35k▲ 763%€-70k€21k€17k▼ 18.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225k
Fixed assets
€20k▼ 38.5%
Current assets
€205k▼ 50.4%
Equity and liabilities €225k
Equity
€46k▲ 58.9%
Debt
€179k▼ 57.1%
The debt ratio falls from 93.5% to 79.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▼
2024 · €46k
Cash flow
€32k▼
2024 · €44k
Solvency
20.5%▲
2024 · 6.5%
Current ratio
1.15▲
2024 · 0.99
Quick ratio
1.15▲
2024 · 0.99
Debt / equity
3.89▼
2024 · 14.39
ROE
37.1%▼
2024 · 71.9%
ROA
7.6%▲
2024 · 4.7%
Interest coverage
17.92▼
2024 · 18.12
Debt
€179k▼
2024 · €417k
Debt ≤ 1 year
€179k▼
2024 · €417k
Income taxes
€2k▲
2024 · €416
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€446k€225k▼
Fixed assets21/28€33k€20k▼
Tangible fixed assets22/27€26k€13k▼
Furniture and vehicles24€26k€13k▼
Financial fixed assets28€7k€7k=
Current assets29/58€413k€205k▼
Amounts receivable within one year40/41€363k€162k▼
Trade receivables40€362k€141k▼
Other amounts receivable41€1k€21k▲
Cash at bank and in hand54/58€48k€34k▼
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€446k€225k▼
Equity10/15€29k€46k▲
Contributions10/11€7k€7k=
Reserves13€6k€22k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€6k€22k▲
Profit (loss) carried forward14€17k€18k▲
Amounts payable17/49€417k€179k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€417k€179k▼
Current portion of amounts payable after more than one year42€10k€0▼
Trade debts44€319k€170k▼
Suppliers440/4€319k€170k▼
Advances received on contracts in progress46€71k€0▼
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€8k€2k▼
Other amounts payable47/48€9k€7k▼
Accrued charges and deferred income492/3€192€0▼
Income statement
Code20242025
Non-recurring operating income76A€990€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€15k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k€18k▲
Other operating charges640/8€9k€18k▲
Non-recurring operating charges66A€2k€5k▲
Gross operating margin9900€53k€77k▲
Operating profit (loss)9901€23k€21k▼
Financial income75/76B€1k€310▼
Recurring financial income75€1k€310▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€21k€19k▼
Income taxes67/77€416€2k▲
Profit (loss) for the period9904€21k€17k▼
Profit (loss) for the period to be appropriated9905€21k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€34k▲
Profit (loss) brought forward from the previous period14P€-4k€17k▲
Transfer to equity691/2-€16k
To other reserves6921-€16k
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (12 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
21-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
2023
30-06
Financial
Weakest financial yearnet €-70k ▼299%
Net result drops to €-70k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Highest result since 2019net €35k ▲763%
Operating result €49k, net result €35k, both a record.
30-06
Financial
Equity above €100kEq €129k ▲37.1%
4 profitable years in a row build equity to €129k.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 106 days late
2021
09-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 9 days late
2020
07-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 7 days late
2019
07-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Le Roeulx · 3 establishment units since 2012
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 de la Station(R) 1427070 Le RoeulxGround area
1.5 ha
Building footprint
1.6 ha
3 parcels, Wallonia. Linked by address, not a title deed.
3 establishment units
Rue de la Station(R) 142, 7070 Le Roeulx
since 20122.226.996.472
ISOLEXT
since 20252.377.811.280
ISOLEXT
since 20252.377.811.379
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92255B0041/00Z002 | Wallonia | 1.4 ha | 1 · 1.6 ha | - |
| 92133A0111/00K000 | Wallonia | 735 m² | 1 · 143 m² | - |
| 55035B0315/00E004 | Wallonia | 72 m² | 1 · 71 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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ALPHI GROUP
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ISO-KONTROL
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DSB DAKWERKEN
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LEVEL ART
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Of 4,266 companies in sector 43230 we hold annual accounts for 1,240. 1,017 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2012
Fiscal year end30-06
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.