Financials
- Fiscal year
- 2025
- Total assets
- €1.5m
- Profit
- €63,175
- Solvency
- 10.6%
Total assets▲ 371%
Net result
20182025
ISOSELF
ActiveSummary
ISOSELF has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €158,011 and a net result of €63,175. Equity is growing by ~44.8% per year across the filed fiscal years. Its solvency ranks better than 14% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Activity
Installation of electric heating, air conditioning, cooling and ventilation
NACE 43222
#6 company by total assets in Tervuren, Construction sector2 sites
Size
€1.5mtotal assets 2025
- Equity
- €158,011
- Profit
- €63,175
Turnover not published (abridged schema)
Structure
Accounts 133 d early0 of 2 deeds read
Why 83- Sector Specialised construction activities (NACE 43)- Equity €158,011 (10.6% of total assets)+ Size: total assets €1.5m+ Figures for FY 2025 (filed 20-03-2026)Show the evidence
Checked score
Score 2025
83
/ 100
Excellent
Probability in this band: under 0.55%
Better than 42% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
36-26
equity 10.6% of total assets
Liquidity
41+9
short-term debt 35.3% · cash 5.3%
Profitability
74-10
return on assets 4.2%
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.6%
12-2024: 0.6%▲ +3.2% vs 11-2024
01-2025: 0.5%▼ -4.5% vs 12-2024
02-2025: 0.5%● 0.0% vs 01-2025
03-2025: 0.5%▼ -4.6% vs 02-2025
04-2025: 0.6%▲ +11.3% vs 03-2025highest value
05-2025: 0.6%▼ -1.2% vs 04-2025
06-2025: 0.5%▼ -7.6% vs 05-2025
07-2025: 0.5%▼ -5.1% 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: 0.4%▼ -11.7% vs 10-2025
12-2025: 0.4%● 0.0% vs 11-2025
01-2026: 0.4%▼ -1.1% vs 12-2025
02-2026: 0.4%● 0.0% vs 01-2026
03-2026: 0.4%▼ -0.9% vs 02-2026
04-2026: 0.4%▼ -18.8% vs 03-2026lowest value
05-2026: 0.4%● 0.0% vs 04-2026lowest value
06-2026: 0.4%● 0.0% vs 05-2026lowest value
07-2026: 0.4%● 0.0% vs 06-2026lowest value
08-2026: 0.4%▲ +2.5% vs 07-2026
09-2026: 0.4%● 0.0% vs 08-2026
10-2026: 0.4%● 0.0% vs 09-2026
- Size: total assets €1.5m lowers the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
- Equity €158,011 (10.6% of total assets) raises the probability
- Figures for FY 2025 (filed 20-03-2026) lowers the probability
Credit up to €13,000 at 30 days acceptable
Liquidity short (current ratio 0.79 against 1.64 in 2024; short-term debt: 35.3% and cash: 5.3% of total assets), and 89.4% 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 43, micro). Better than this share of them on solvency 14%, liquidity 30%, profitability 47%, growth against the median 78%. 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.
Credit check for your own amount and term
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 30651 sector peers (2025).
NBB · sector comparisonPosition among 30651 sector peers
Solvency
better than 14%
← weakest
strongest →
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 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
133 d early
2024
43 d early
2023
3 d early
2022
14 d early
2021
on the day
2020
23 d late
2019
62 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 33 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 17 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Equity above €150,000Eq €158,011 ▲36.4%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 20-03-2026Annual accounts filed
- 31-12-2025Equity above €150,000
- 18-06-2025Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Installation of electric heating, air conditioning, cooling and…NACE 43222
- Founded
- 12-02-2014
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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