ISOLMUR
ActiveSummary
ISOLMUR has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €819k and a net result of €10k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 73% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-7
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 3.12 against 3.22 in 2024; short-term debt: 13.8% and cash: 0.1% of total assets), and 23.4% 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
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 →
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
76.6%
Return on assets
1%
Age of the figures
9 mo
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
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 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
5 d early
2022
on the day
2021
4 d early
2020
3 d early
2019
53 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€10k▲ 34.7%
2024 · €8k
2018: €145k
2019: €-69k
2020: €26k
2021: €6k
2022: €2k
2023: €2k
2024: €8k
2018 → 2025
Working capital
€312k▲ 11.2%
2024 · €281k
2018: €456k
2019: €358k
2020: €388k
2021: €512k
2022: €542k
2023: €254k
2024: €281k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€798k-€800k▲ 0.2%€801k▲ 0.1%€809k▲ 0.9%€819k▲ 1.3%
Operating result€11k-€12k▲ 8.7%€9k▼ 21.5%€11k▲ 16.7%€13k▲ 19.6%
Net result€6k-€2k▼ 69.2%€2k▼ 8.8%€8k▲ 347%€10k▲ 34.7%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€609k ▼ 4.9%
Current assets
€460k ▲ 12.7%
Equity and liabilities €1.07M
Equity
€819k ▲ 1.3%
Debt
€250k ▲ 4.4%
Debt's share of the balance-sheet total rises from 22.8% to 23.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▼
2024 · €49k
Cash flow
€41k▼
2024 · €46k
Current ratio
3.12▼
2024 · 3.22
Debt to equity
0.30▲
2024 · 0.30
ROE
1.2%▲
2024 · 0.9%
ROA
1.0%▲
2024 · 0.7%
Interest coverage
4.48▼
2024 · 5.28
Debt ≤ 1 year
€147k▲
2024 · €127k
Debt > 1 year
€102k▼
2024 · €112k
Income taxes
€4k▲
2024 · €2k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.05M€1.07M▲
Fixed assets21/28€640k€609k▼
Tangible fixed assets22/27€371k€339k▼
Land and buildings22€339k€325k▼
Plant, machinery and equipment23€10k€3k▼
Furniture and vehicles24€22k€11k▼
Financial fixed assets28€269k€269k=
Current assets29/58€408k€460k▲
Amounts receivable within one year40/41€389k€450k▲
Trade receivables40€270k€307k▲
Other amounts receivable41€119k€143k▲
Cash at bank and in hand54/58€8k€776▼
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.05M€1.07M▲
Equity10/15€809k€819k▲
Contributions10/11€17k€17k=
Reserves13€125k€134k▲
Non-distributable reserves130/1€123k€132k▲
Reserves not available under the articles1311€123k€132k▲
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€666k€667k▲
Amounts payable17/49€239k€250k▲
Amounts payable after more than one year17€112k€102k▼
Financial debts170/4€112k€102k▼
Amounts payable within one year42/48€127k€147k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Financial debts43€100k€100k=
Other loans439€100k€100k=
Trade debts44€3k€25k▲
Suppliers440/4€3k€25k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€2k€2k=
Accrued charges and deferred income492/3€464-
Income statement
Code20242025
Non-recurring operating income76A€4k€7k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€31k▼
Other operating charges640/8€8k€3k▼
Gross operating margin9900€58k€47k▼
Operating profit (loss)9901€11k€13k▲
Financial income75/76B€8k€11k▲
Recurring financial income75€615€1k▲
Non-recurring financial income76B€8k€10k▲
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€10k€14k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€8k€10k▲
Profit (loss) for the period to be appropriated9905€8k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€673k€676k▲
Profit (loss) brought forward from the previous period14P€666k€666k▲
Transfer to equity691/2€7k€9k▲
To other reserves6921€7k€9k▲
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 53 days late
2019
31-12
Financial
Weakest financial yearnet €-69k
Net result drops to €-69k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Seraing · 1 establishment unit since 2008
Ground area
66 m²
Building footprint
29 m²
Volume, LiDAR
219 m³
Parcel 62058A0034/00G000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
ISOLMUR
since 20082.174.653.094
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62058A0034/00G000 | Wallonia | 66 m² | 1 · 29 m² | 8.3 m · 2 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.
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ARX NUMERIS
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,572. 29,976 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.