IsoThermoPur
ActiveIsoThermoPur has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €-152. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 19% of 2028 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency24=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.98 against 0.98 in 2024), and 80.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.6%
Return on assets
0%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2028 sector peers (2025).
NBB · sector comparisonPosition among 2028 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 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
22 d late
2024
55 d late
2023
86 d late
2022
29 d late
2021
61 d late
2020
195 d late
2019
67 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-152
2024 · €24k
2018: €-8k
2019: €17k
2020: €8k
2021: €4k
2022: €7k
2023: €8k
2024: €24k
2018 → 2025
Working capital
€-4k▼ 79.4%
2024 · €-2k
2018: €-1k
2019: €-4k
2020: €-19k
2021: €-10k
2022: €-19k
2023: €-10k
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€40k▲ 20.0%€48k▲ 19.8%€71k▲ 50.2%€71k▼ 0.2%
Operating result€11k-€17k▲ 56.9%€14k▼ 17.6%€37k▲ 161%€14k▼ 61.6%
Net result€4k-€7k▲ 56.7%€8k▲ 18.7%€24k▲ 204%€-152
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €364k
Fixed assets
€185k▼ 14.7%
Current assets
€179k▲ 22.8%
Equity and liabilities €364k
Equity
€71k▼ 0.2%
Debt
€293k▲ 0.5%
The debt ratio rises from 80.3% to 80.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€46k▼
2024 · €67k
Cash flow
€32k▼
2024 · €54k
Solvency
19.6%▼
2024 · 19.7%
Current ratio
0.98▼
2024 · 0.98
Quick ratio
0.89▼
2024 · 0.98
Debt / equity
4.10▲
2024 · 4.08
ROE
-0.2%▼
2024 · 33.4%
ROA
0.0%▼
2024 · 6.6%
Interest coverage
7.43▼
2024 · 9.46
Debt
€293k▲
2024 · €291k
Debt ≤ 1 year
€183k▲
2024 · €148k
Debt > 1 year
€110k▼
2024 · €143k
Income taxes
€8k▲
2024 · €6k
Staff costs
€390▲
2024 · €375
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€363k€364k▲
Fixed assets21/28€217k€185k▼
Tangible fixed assets22/27€217k€185k▼
Land and buildings22€140k€134k▼
Plant, machinery and equipment23€67k€47k▼
Furniture and vehicles24€10k€3k▼
Current assets29/58€145k€179k▲
Stocks and contracts in progress3-€15k
Stocks30/36-€15k
Amounts receivable within one year40/41€122k€161k▲
Trade receivables40€119k€155k▲
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€24k€3k▼
Equity and liabilities
Total equity and liabilities10/49€363k€364k▲
Equity10/15€71k€71k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€553€553=
Non-distributable reserves130/1€553€553=
Legal reserve130€553€553=
Profit (loss) carried forward14€52k€52k▼
Amounts payable17/49€291k€293k▲
Amounts payable after more than one year17€143k€110k▼
Financial debts170/4€143k€110k▼
Amounts payable within one year42/48€148k€183k▲
Current portion of amounts payable after more than one year42€33k€34k▲
Trade debts44€47k€94k▲
Suppliers440/4€47k€94k▲
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€7k€2k▼
Other amounts payable47/48€61k€53k▼
Income statement
Code20242025
Remuneration, social security and pensions62€375€390▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€32k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€38k€635▼
Gross operating margin9900€107k€49k▼
Operating profit (loss)9901€37k€14k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€30k€8k▼
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€24k€-152▼
Profit (loss) for the period to be appropriated9905€24k€-152▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€52k▼
Profit (loss) brought forward from the previous period14P€28k€52k▲
The notes to these accounts (6 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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 22 days late
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 55 days late
2024
31-12
Financial
Highest result since 2018net €24k ▲204%
Operating result €37k, net result €24k, both a record.
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 86 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
11-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 195 days late
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Rochefort · 1 establishment unit since 2013
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 Tichesse,Frandeux 345580 RochefortGround area
1.1 ha
Building footprint
487 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
IsoThermoPur
since 20132.219.649.713
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91095D0205/00Y000 | Wallonia | 1.0 ha | 1 · 306 m² | - |
| 83342A0171/00N000 | Wallonia | 661 m² | 1 · 181 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
ISOFLEX
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MESTERS IMMOBILIER
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Trendy Home
BE 0874.473.212
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Arta Bouw
BE 0764.497.877
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H. ROOYAKKERS
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Of 4,244 companies in sector 43230 we hold annual accounts for 1,230. 1,030 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-06-2013
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.