Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 6 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
I.S.A.T. from Scherpenheuvel-Zichem, company number BE0782358052, closed financial year 2025 with a result of € 7,188 after tax. For that financial year I.S.A.T. recorded a gross margin of € 63,518 and equity of € 2,702. Compared with financial year 2024, the result moved from € -18,400 to € 7,188. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 14, 2026.
€ 2,702
▲ € 7,188 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,188
▲ still € 18,400 loss in 2024
Profit after tax over the fiscal year.
€ 633
▼ 24% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 702.
People and assets in 2025
€ 13,339
▲ 81% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 394,026
▼ 1% vs 2024
€ 5,593 is repaid this year. At this pace the long-term loan is gone in ≈ 70 years.
€ 7,503
▲ 4% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 9,460
▼ 27% vs 2024
Taxes, VAT and social contributions still to pay.
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 20,107 | € 15,008 | € 63,518 | ▲ € 48,510 |
| Profit after taxes | € 11,914 | € -18,400 | € 7,188 | ▲ € 25,587 |
| Equity | € 13,914 | € -4,486 | € 2,702 | ▲ € 7,188 |
| Total debts | € 32,071 | € 513,633 | € 488,139 | ▼ 5% |
| Cash | € 83 | € 837 | € 633 | ▼ 24% |
| Land & buildings | - | € 394,938 | € 385,888 | ▼ 2% |
| Retained profit | € 11,914 | € -6,486 | € 702 | ▲ € 7,188 |
| Bank debt | € 0 | € 399,181 | € 394,026 | ▼ 1% |
| Balance sheet total | € 45,985 | € 509,147 | € 490,841 | ▼ 4% |
Key figures of I.S.A.T., fiscal years 2023 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to I.S.A.T.?
What happened at I.S.A.T. in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 7,188. filed late Source: NBB ↗
- New establishment in Scherpenheuvel-Zichem. KBO
- Start of the company according to the CBE. KBO
In short
From € 11,914 profit in 2023 to € 7,188 profit in 2025.
Paid € 3,219 in corporate taxes since 2023.
Best year ever: 2023, with € 11,914 profit.
Management
Behind I.S.A.T. is Isabelle Alberty. It owns 90% of J&B CONTSRUCTION itself.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Turnhoutsebaan 105
3271 Scherpenheuvel-Zichem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0782.358.052
- VAT number
- BE 0782.358.052
- Registered office
- Turnhoutsebaan 105, 3271 Scherpenheuvel-Zichem
- Names & denominations
- I.S.A.T.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 February 2022
- Peppol
- Active · Active since 26 Sept 2025
- Activities · NACE
Verhuur en lease van machines, apparatuur en handgereedschap voor doe-het-zelvers
Handelsbemiddeling in de groothandel in hout en bouwmaterialen
Groothandel in overige bouwmaterialen
Groothandel in bouwmaterialen, algemeen assortiment
Overige gespecialiseerde bouwactiviteiten, neg
Handel in eigen onroerend goed
Overige gespecialiseerde bouwwerkzaamheden