N&T ISO
ActiveThe computed 12-month bankruptcy probability of N&T ISO is 4.4% (elevated). The 2024 annual accounts show equity of €158k and a net result of €-69k. Equity is growing by ~34.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 9981 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity ample (current ratio 68.0 against 82.62 in 2023; short-term debt: 1.5% and cash: 65.5% of total assets), and 1.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
98.5%
Return on assets
-43.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
54 d late
2023
30 d late
2022
51 d late
2021
30 d late
2020
346 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€158k▼ 30.5%
2023 · €227k
2020: €27k
2021: €72k
2022: €100k
2023: €227k
2020 → 2024
Total assets
€160k▼ 30.3%
2023 · €230k
2020: €28k
2021: €129k
2022: €126k
2023: €230k
2020 → 2024
Net result
€-69k
2023 · €127k
2020: €20k
2021: €46k
2022: €28k
2023: €127k
2020 → 2024
Working capital
€156k▼ 31.0%
2023 · €227k
2020: €27k
2021: €72k
2022: €100k
2023: €227k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€27k-€72k▲ 172%€100k▲ 38.6%€227k▲ 127%€158k▼ 30.5%
Operating result€20k-€48k▲ 140%€30k▼ 37.6%€139k▲ 364%€-65k
Net result€20k-€46k▲ 128%€28k▼ 39.1%€127k▲ 358%€-69k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €65k after €139k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €160k
Fixed assets
€2k▲ 109%
Current assets
€159k▼ 30.9%
Equity and liabilities €160k
Equity
€158k▼ 30.5%
Debt
€2k▼ 16.0%
The debt ratio rises from 1.2% to 1.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-65k▼
2023 · €139k
Cash flow
€-69k▼
2023 · €128k
Solvency
98.5%▼
2023 · 98.8%
Current ratio
68.00▼
2023 · 82.62
Quick ratio
68.00▼
2023 · 82.62
Debt / equity
0.01▲
2023 · 0.01
ROE
-43.9%▼
2023 · 56.0%
ROA
-43.3%▼
2023 · 55.4%
Debt
€2k▼
2023 · €3k
Debt ≤ 1 year
€2k▼
2023 · €3k
Income taxes
€4k▼
2023 · €12k
Staff costs
€3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€230k€160k▼
Fixed assets21/28€853€2k▲
Tangible fixed assets22/27€853€2k▲
Furniture and vehicles24€853€2k▲
Current assets29/58€229k€159k▼
Amounts receivable within one year40/41€52k€53k▲
Trade receivables40€33k€25k▼
Other amounts receivable41€19k€28k▲
Cash at bank and in hand54/58€177k€105k▼
Equity and liabilities
Total equity and liabilities10/49€230k€160k▼
Equity10/15€227k€158k▼
Contributions10/11€7k€7k=
Capital10€7k€7k=
Issued capital100€7k€7k=
Profit (loss) carried forward14€221k€152k▼
Amounts payable17/49€3k€2k▼
Amounts payable within one year42/48€3k€2k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Income statement
Code20232024
Remuneration, social security and pensions62-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€426€550▲
Other operating charges640/8€513€149▼
Gross operating margin9900€140k€-62k▼
Operating profit (loss)9901€139k€-65k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€50-
Recurring financial charges65€50-
Profit (loss) for the period before taxes9903€139k€-65k▼
Income taxes67/77€12k€4k▼
Profit (loss) for the period9904€127k€-69k▼
Profit (loss) for the period to be appropriated9905€127k€-69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€221k€152k▼
Profit (loss) brought forward from the previous period14P€94k€221k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Weakest financial yearnet €-69k ▼154%
Net result drops to €-69k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2020net €127k ▲358%
Operating result €139k, net result €127k, both a record.
31-12
Financial
Liquidity times 17current ratio 82.62
Current ratio from 4.86 to 82.62; short-term debt falls from €26k to €3k.
31-12
Financial
Equity above €200kEq €227k ▲127%
4 profitable years in a row build equity to €227k.
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 4.86
Current ratio from 2.27 to 4.86; short-term debt falls from €57k to €26k.
31-12
Financial
Equity above €100kEq €100k ▲38.6%
3 profitable years in a row build equity to €100k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 346 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Joost-ten-Node · 1 establishment unit since 2019
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.
Vonckstraat 151210 Sint-Joost-ten-NodeGround area
208 m²
Building footprint
87 m²
Volume, LiDAR
1,023 m³
2 parcels, Brussels · tallest building 17.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Raphaëlstraat 21, 1070 Anderlecht
since 20192.297.066.205
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572C0007/00X006 | Brussels | 104 m² | 1 · 87 m² | 17.1 m · 5 fl. |
| 21305B0256/00V005 | Brussels | 104 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
SCS KRC
BE 0810.739.856
Charleroi · Eq €158k
DELAERE CONSTRUCT
BE 0846.170.986
Gent · Eq €158k
LOMBATI
BE 0764.779.375
La Louvière · Eq €158k
REVGROUP
BE 0826.220.858
Ganshoren · Eq €158k
MV CONSTRUCT & MANAGEMENT
BE 0836.534.433
Peer · Eq €158k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 12,557 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
56301Cafés and bars
43230Insulation installation
43291Specialised construction activities
46392Non-specialised wholesale
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.