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S.T. Air Isolation

Active
Private limited companyfounded 2024active for 2 yearsHoutemsesteenweg 2/1, 1800 Vilvoorde, BelgiumKBO/BCE: BE 1006.663.129
Summary

The computed 12-month bankruptcy probability of S.T. Air Isolation is 1.7% (moderate). The 2025 annual accounts show equity of €40,032 and a net result of €48,761. Its solvency ranks better than 20% of 34,718 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

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S.T. Air IsolationActiveChecked score 56/100
Risk analysis ReportCompare

Overview

Activity
Insulation installation
NACE 43230
1 site
Size
€220,879total assets 2025
Equity
€40,032
Profit
€48,761
Turnover not published (micro format)
Financial health
56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.7%
Structure
2025 accounts filed 31 days late
Why 56raises riskFounded in 2024Last filed accounts filed 31 days late; 1 of the last 3 lateSector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 0.76, cash €67,163Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 59% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 43+21
equity 18.1% of total assets
Liquidity 43-5
short-term debt 81.9% · cash 30.4%
Profitability 96+67
return on assets 22.1%
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,639 companies, NACE 43, micro)
Last 24 months 04-2025: 1.9% 05-2025: 1.9%● unchanged vs 04-2025 06-2025: 2.3%▲ +0.4 percentage points vs 05-2025 07-2025: 2.4%▲ +0.1 percentage points vs 06-2025 08-2025: 2.7%▲ +0.3 percentage points vs 07-2025highest value 09-2025: 1.2%▼ -1.5 percentage points vs 08-2025lowest value 10-2025: 1.3%▲ +0.1 percentage points vs 09-2025 11-2025: 1.3%● unchanged vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.4%▲ +0.1 percentage points vs 01-2026 03-2026: 1.4%● unchanged vs 02-2026 04-2026: 1.4%● unchanged vs 03-2026 05-2026: 1.4%● unchanged vs 04-2026 06-2026: 1.4%● unchanged vs 05-2026 07-2026: 1.5%▲ +0.1 percentage points vs 06-2026 08-2026: 2.0%▲ +0.5 percentage points vs 07-2026 09-2026: 1.7%▼ -0.3 percentage points vs 08-2026 10-2026: 1.7%● unchanged vs 09-2026
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.76, compared with 0.97 in 2024, below 1; short-term debt: 81.9% and cash: 30.4% of total assets), and 81.9% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 20% on solvency, 33% on liquidity, 82% on profitability and 99% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises risk
raises risk · Founded in 2024
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Liquidity: current ratio 0.76, cash €67,163
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 late
NBB · filings
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 34718 sector peers (2025).
NBB · sector comparison
Position among 34718 sector peers
Solvency
better than 20%
← weakest strongest →
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filings
Deviation from the deadline
2025
31 days late
2024
28 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 30 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Back to profitnet €48,761
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: Back in profit in 2025after -€8,729 in 2024 €48,761 View
  • Positive: Among the best 15% on net resultsector median €10,244 · 34,705 companies €48,761 View
  • Board2 directors in office 2 View

By topic

Financials

Financial year
2025
Total assets
€220,879
Profit
€48,761
Solvency
18.1%
Total assets▼ 13.9%
Net result
20242025
Go to Financials

Timeline

Events
4
Since
2024
Next accounts
by 31-07-2027
  1. 05-03-2024Incorporation
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Insulation installationNACE 43230
Founded
01-03-2024
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
27
Who signs
Each director alone
Annual meeting
Last Friday of June at 17:00
Purpose
“Overige gespecialiseerde bouwwerkzaamheden; De bouw,renovatie,restauratie,sloop en…” (deed in Dutch)
Go to Articles of association

Key facts about S.T. Air Isolation

What is the company number of S.T. Air Isolation?
1006.663.129. In Belgium the VAT number is the company number with BE in front: BE 1006.663.129.
Where is S.T. Air Isolation based?
The registered office is at Houtemsesteenweg 2/1, 1800 Vilvoorde.Company details
What does S.T. Air Isolation do?
According to the KBO register, the main activity is insulation installation (NACE 43230).
What is the legal form of S.T. Air Isolation?
Private limited company (BV).
When was S.T. Air Isolation founded?
On 01-03-2024.
Is S.T. Air Isolation still active?
Yes, S.T. Air Isolation is an active enterprise in the KBO register.
What is the turnover of S.T. Air Isolation?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is S.T. Air Isolation profitable?
In financial year 2025, S.T. Air Isolation made a profit of €48,761.
Where can I find the annual accounts of S.T. Air Isolation?
S.T. Air Isolation filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of S.T. Air Isolation due?
By 31-07-2027, for financial year 2026.Timeline

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