Equity
€503,643 ▲ 11.5%
BERNARD INSEL has made a profit without a break since 2021.
BERNARD INSEL
Lifetime
19 annual accounts with figures on one time axispeak €260,133 (2006)
€111,106▲ 77.1%
lowest -€23,824 (2019)
€52,055▲ 207%
peak €503,643 (2025)
€503,643▲ 11.5%
€373,806▼ 8.6%
peak 2 FTE (2006)
-not published
Board1 name since 2022
1 directorBernard INSEL
Documentsfilings and deeds
26-02-202626 days late
2025micro format
Gross margin from €62,735 to €111,106Result from €16,969 to €52,055Cash from €318,868 to €222,880
Key points
from the 2025 annual accountsFilings
19 annual accounts since 2006
Ten of the last ten came late. The 2023 accounts came latest: 378 days after the end of the period.
Position in the sector
€503,643
More equity than 87% of companies in legal and accounting. Sector median €86,410 · 15,829 companies.
Checked score
93
Excellent
Financially stronger than 47% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.9%▲ +0.4 percentage points vs 01-2025highest value
03-2025: < 0.1%▼ -0.9 percentage points vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: 0.1%▲ +0.1 percentage points vs 01-2026
03-2026: < 0.1%▼ -0.1 percentage points vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 27 days late; 1 of the last 3 accounts late
lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 2.58, cash €222,880
Size: total assets €877,449
Calculation
The band follows from the bankruptcy probability. 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 69, micro). It does better than 53% of them on solvency, 51% on liquidity, 28% on profitability and 57% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as BERNARD INSEL has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BERNARD INSEL itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for BERNARD INSEL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €45,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.58 (2.25 in 2024), above the usual 1.5. Short-term debt is 37.9% and cash 25.4% of total assets. 42.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 26 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 days late
2024
12 days late
2023
378 days late
2022
150 days late
2021
28 days late
2020
26 days late
2019
4 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 89 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 28 February (4 of the last 5 accounts filed within 122 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0877536828
Change of role: Bernard INSEL, from manager to statutory director
Reappointment: Bernard INSEL (statutory director) · General meeting of 26-12-2023 · Gazette deed
Registered office moved within Antwerp
New registered office: Tabakvest 47, 2000 Antwerpen · Previous registered office: Mechelsesteenweg 136, 2018 Antwerpen · Board meeting of 02-02-2022 · Gazette deed
Incorporation
published on 07-12-2005 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BERNARD INSEL Antwerp | €877,449 | €111,106 | 57.4% | - |
| W. DEJOSSE Antwerp | €825,332 | €106,596 | 69.7% | - |
| IUS PROPERTY Antwerp | €816,137 | €101,084 | 74.5% | - |
| GEERT RENIERS Genk | €802,170 | €114,237 | 33.6% | - |
| LAURENT MERTENS AVOCAT Watermael-Boitsfort | €911,932 | €121,835 | 3.8% | - |
| ADVOCATENKANTOOR WIM DEFOOR Grimbergen | €986,894 | €120,015 | 99.3% | - |
| société d'avocat Valérie Landes Brussels | €845,088 | €128,098 | 84.1% | - |
These companies have the same main activity as BERNARD INSEL: activities of lawyers (NACE 69101). They are comparable in size and age: total assets between €802,000 and €987,000, founded between 2004 and 2008.
Official details
Source: KBO- Status
- Active since 28-11-2005Normal situation
- Registered office
- 11 active companies are registered at this address1 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- Activities of lawyersNACE 69101
- Establishment unit
- 2.230.640.8032000 Antwerp, since 24-11-2005
- Financial year end
- 30 June
- Peppol
- Reachable since 21-10-2026
Annual accounts to 30-06-2025
- ≈ €190,000estimated
- €877,449▲ 1.9%
- Employeeson 30-06-2025
- 1=
- Filing
- Filed on 26-02-2026
Insights on BERNARD INSEL
BERNARD INSEL files the micro format. That format states no turnover. The gross margin fell from €260,133 in 2006 to €111,106 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BERNARD INSEL
- What is the company number of BERNARD INSEL?
- The company number of BERNARD INSEL is 0877.536.828. The VAT number is the same number with BE in front: BE 0877.536.828.
- Where is BERNARD INSEL based?
- The registered office is at Tabakvest 47, 2000 Antwerp.Company details
- What does BERNARD INSEL do?
- According to the KBO register, the main activity is activities of lawyers (NACE 69101).
- What is the legal form of BERNARD INSEL?
- BERNARD INSEL is a private limited company (BV).
- When was BERNARD INSEL founded?
- BERNARD INSEL was founded on 28-11-2005.
- Is BERNARD INSEL still active?
- Yes, BERNARD INSEL is an active enterprise in the KBO register.
- How many employees does BERNARD INSEL have?
- BERNARD INSEL had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of BERNARD INSEL?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €111,106 and 38 comparable companies (NACE 691). It probably lies between €150,000 and €290,000.
- Is BERNARD INSEL profitable?
- In financial year 2025, BERNARD INSEL made a profit of €52,055.
- Where can I find the annual accounts of BERNARD INSEL?
- BERNARD INSEL filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BERNARD INSEL due?
- BERNARD INSEL must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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