NU-ISOLEREN.BE
ActiveThe computed 12-month bankruptcy probability of NU-ISOLEREN.BE is 2.1% (moderate). The 2024 annual accounts show equity of €163k and a net result of €71k. Equity is growing by ~39.8% per year across the filed fiscal years. Its solvency ranks better than 65% of 36373 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
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+17
Solvency85▲+15
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 1.55 in 2023; short-term debt: 40.4% and cash: 47% of total assets), and 40.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-07-2025, 26 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
26 d early
2023
20 d early
2022
32 d early
2021
26 d early
2020
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€163k▲ 77.1%
2023 · €92k
2020: €35k
2021: €59k
2022: €68k
2023: €92k
2020 → 2024
Total assets
€273k▲ 32.4%
2023 · €206k
2020: €155k
2021: €87k
2022: €134k
2023: €206k
2020 → 2024
Net result
€71k▲ 200%
2023 · €24k
2020: €30k
2021: €24k
2022: €9k
2023: €24k
2020 → 2024
Working capital
€151k▲ 140%
2023 · €63k
2020: €46k
2021: €57k
2022: €66k
2023: €63k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€35k-€59k▲ 70.0%€68k▲ 14.8%€92k▲ 34.6%€163k▲ 77.1%
Operating result€41k-€33k▼ 19.0%€11k▼ 65.6%€34k▲ 201%€106k▲ 208%
Net result€30k-€24k▼ 18.3%€9k▼ 64.1%€24k▲ 168%€71k▲ 200%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 208% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €273k
Fixed assets
€12k▼ 61.2%
Current assets
€261k▲ 48.2%
Equity and liabilities €273k
Equity
€163k▲ 77.1%
Debt
€110k▼ 3.5%
The debt ratio falls from 55.4% to 40.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€124k▲
2023 · €46k
Cash flow
€89k▲
2023 · €35k
Solvency
59.6%▲
2023 · 44.6%
Current ratio
2.37▲
2023 · 1.55
Quick ratio
2.37▲
2023 · 1.55
Debt / equity
0.68▼
2023 · 1.24
ROE
43.5%▲
2023 · 25.7%
ROA
25.9%▲
2023 · 11.4%
Interest coverage
93.94▼
2023 · 109.59
Debt
€110k▼
2023 · €114k
Debt ≤ 1 year
€110k▼
2023 · €113k
Income taxes
€34k▲
2023 · €13k
Staff costs
€134k▼
2023 · €136k
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€206k€273k▲
Fixed assets21/28€30k€12k▼
Tangible fixed assets22/27€30k€12k▼
Furniture and vehicles24€30k€12k▼
Current assets29/58€176k€261k▲
Amounts receivable within one year40/41€93k€125k▲
Trade receivables40€54k€84k▲
Other amounts receivable41€38k€42k▲
Cash at bank and in hand54/58€80k€128k▲
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€206k€273k▲
Equity10/15€92k€163k▲
Contributions10/11€5k€5k=
Reserves13€74k€144k▲
Distributable reserves133€74k€144k▲
Profit (loss) carried forward14€13k€14k▲
Amounts payable17/49€114k€110k▼
Amounts payable after more than one year17€789-
Financial debts170/4€789-
Amounts payable within one year42/48€113k€110k▼
Current portion of amounts payable after more than one year42€2k€789▼
Trade debts44€93k€86k▼
Suppliers440/4€93k€86k▼
Advances received on contracts in progress46-€762
Taxes, remuneration and social security45€18k€17k▼
Taxes450/3€1k€9k▲
Remuneration and social security454/9€17k€8k▼
Other amounts payable47/48€227€6k▲
Income statement
Code20232024
Remuneration, social security and pensions62€136k€134k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€18k▲
Other operating charges640/8€3k€7k▲
Gross operating margin9900€185k€265k▲
Operating profit (loss)9901€34k€106k▲
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€421€1k▲
Recurring financial charges65€421€1k▲
Profit (loss) for the period before taxes9903€36k€105k▲
Income taxes67/77€13k€34k▲
Profit (loss) for the period9904€24k€71k▲
Profit (loss) for the period to be appropriated9905€24k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€84k▲
Profit (loss) brought forward from the previous period14P€10k€13k▲
Transfer to equity691/2€20k€70k▲
To other reserves6921€20k€70k▲
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
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €71k ▲200%
Operating result €106k, net result €71k, both a record.
31-12
Financial
Equity above €150kEq €163k ▲77.1%
5 profitable years in a row build equity to €163k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €9k ▼64.1%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 3.05
Current ratio from 1.43 to 3.05; short-term debt falls from €106k to €28k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hamme (Vl.) · 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.
Neerstraat 59220 Hamme (Vl.)Ground area
1,237 m²
Building footprint
690 m²
Volume, LiDAR
3,423 m³
Parcel 42008A1534/00K002, Flanders · tallest building 5.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Neerstraat 5, 9220 Hamme (Vl.)
since 20192.289.237.612
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A1534/00K002 | Flanders | 1,237 m² | 1 · 690 m² | 5.7 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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TECHNIFROID
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 1,015 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2019
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.