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ISOLHABITAT

Active
Private limited companyfounded 2009active for 17 yearsChemin de l'Arbois(PLX) 9, 4122 Neupré, BelgiumKBO/BCE: BE 0812.304.328

From the official registers: KBO 17 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

ISOLHABITAT has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €313,421 and a net result of €634, of which €8,000 non-recurring income. Equity has been growing by about 37% per year since 2018. Its solvency ranks better than 25% of 9,883 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Overview

Official details

KBO
Status
Active since 16-06-2009 Normal situation
Activity
Insulation installation NACE 43230and 5 others
Establishment unit
2.178.879.326 4122 Neupré, since 29-06-2009
Financial year end
31 December
Peppol
Reachable since 03-04-2025

Board and ownership

Board

Financial position

64 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.2%
Annual accounts 2025
Gross margin
€329,675
▲ 11.5%
Turnover
≈ €870,000
estimated
Profit
€634
▼ 97.2%
Equity
€313,421
▲ 0.2%
Total assets
€1.3m
▲ 27.0%
Staff
4.4 FTE
▲ 10.0%
Filed on 31-08-2026, 31 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 31 days late; 2 of the last 3 accounts lateSector: Specialised construction activities (NACE 43)Liquidity: current ratio 1.09, cash €48,802lowers riskFounded in 2009Show the evidence

Checked score

Score 2025
64 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 29% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Weak
Solvency 49-6
equity 23.8% of total assets
Liquidity 39-8
short-term debt 35.8% · cash 3.7%
Profitability 57-12
return on assets 0.0%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,675 companies, NACE 43, micro)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%● unchanged vs 11-2024 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.3%▼ -0.3 percentage points vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025lowest value 06-2025: 0.4%▲ +0.1 percentage points vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.7%▲ +0.3 percentage points vs 07-2025 09-2025: 0.8%▲ +0.1 percentage points vs 08-2025 10-2025: 1.0%▲ +0.2 percentage points vs 09-2025 11-2025: 1.0%● unchanged vs 10-2025 12-2025: 1.0%● unchanged vs 11-2025 01-2026: 1.0%● unchanged vs 12-2025 02-2026: 1.1%▲ +0.1 percentage points vs 01-2026 03-2026: 1.0%▼ -0.1 percentage points vs 02-2026 04-2026: 1.0%● unchanged vs 03-2026 05-2026: 1.0%● unchanged vs 04-2026 06-2026: 1.0%● unchanged vs 05-2026 07-2026: 1.1%▲ +0.1 percentage points vs 06-2026 08-2026: 1.9%▲ +0.8 percentage points vs 07-2026highest value 09-2026: 1.2%▼ -0.7 percentage points vs 08-2026 10-2026: 1.2%● unchanged vs 09-2026
Credit of up to €20,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.09 (2.08 in 2024), below the usual 1.5. Short-term debt is 35.8% and cash 3.7% of total assets. 76.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 25% of them on solvency, 27% on liquidity, 27% on profitability and 36% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Last filed accounts filed 31 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Liquidity: current ratio 1.09, cash €48,802
NBB · annual accounts
lowers risk · Founded in 2009
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 9883 sector peers (2025).
NBB · sector comparison
Position among 9883 sector peers
Solvency
better than 25%
← weakest strongest →
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
61 days late
2023
30 days late
2022
32 days late
2021
31 days late
2020
31 days late
2019
38 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 36 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 8th largest company by total assets in Neupré, Construction sectorin the Checked rankings No. 8 View
  • Positive: 7 profitable years in a rowprofit 2025: €634, mostly one-off 7 years View

Comparable companies

These companies have the same main activity as ISOLHABITAT: insulation installation (NACE 43230). They are comparable in size and age: total assets between €1.1m and €1.6m, founded between 2005 and 2013.

CompanyTotal assetsGross margin
ISOLHABITAT Neupré€1.3m€0.3m
NAERT KRISTOF Ingelmunster€1.6m€0.5m
TPNS Oudergem€1.2m€0.3m
OXIRA Ottignies-Louvain-la-Neuve€1.4m€0.4m
Isolair Dilsen-Stokkem€1.1m€0.5m
Dekoninck Hans+ Zedelgem€1.4m€0.4m
RENOBO Wommelgem€1.3m€0.5m
Full comparison

Documents

Annual accounts at the NBB

All 17 annual accounts

Articles and registers

Key facts about ISOLHABITAT

What is the company number of ISOLHABITAT?
The company number of ISOLHABITAT is 0812.304.328. The VAT number is the same number with BE in front: BE 0812.304.328.
Where is ISOLHABITAT based?
The registered office is at Chemin de l'Arbois(PLX) 9, 4122 Neupré.Company details
What does ISOLHABITAT do?
According to the KBO register, the main activity is insulation installation (NACE 43230).
What is the legal form of ISOLHABITAT?
The legal form of ISOLHABITAT is Private limited company (BV).
When was ISOLHABITAT founded?
ISOLHABITAT was founded on 16-06-2009.
Is ISOLHABITAT still active?
Yes, ISOLHABITAT is an active enterprise in the KBO register.
How many employees does ISOLHABITAT have?
ISOLHABITAT had an average of 4.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of ISOLHABITAT?
The turnover in financial year 2025 is ≈ €870,000. This figure is estimated from the gross margin of €329,675 and 45 comparable companies (NACE 432). It probably lies between €710,000 and €1.1m.
Is ISOLHABITAT profitable?
In financial year 2025, ISOLHABITAT made a profit of €634.
Where can I find the annual accounts of ISOLHABITAT?
ISOLHABITAT filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of ISOLHABITAT due?
ISOLHABITAT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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