CREDIT INSURANCE SOLUTIONS
ActiveThe computed 12-month bankruptcy probability of CREDIT INSURANCE SOLUTIONS is 2.1% (moderate). The 2025 annual accounts show equity of €211k and a net result of €204k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+71
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 3.94 against 0.98 in 2024; short-term debt: 25.1% and cash: 0.2% of total assets), and 25.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.9%
Return on assets
72.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €211k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 6 filingsDeviation from the deadline
2025
6 d late
2024
11 d late
2023
1 d early
2022
53 d early
2021
20 d early
2020
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€211k▲ 2,909%
2024 · €7k
2020: €41k
2021: €225k
2022: €7k
2023: €7k
2024: €7k
2020 → 2025
Total assets
€281k▲ 49.9%
2024 · €188k
2020: €78k
2021: €290k
2022: €512k
2023: €246k
2024: €188k
2020 → 2025
Net result
€204k▲ 62.1%
2024 · €126k
2020: €34k
2021: €185k
2022: €168k
2023: €174k
2024: €126k
2020 → 2025
Working capital
€208k
2024 · €-3k
2020: €40k
2021: €193k
2022: €-18k
2023: €-10k
2024: €-3k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€225k-€7k▼ 96.9%€7k=€7k=€211k▲ 2,909%
Operating result€240k-€215k▼ 10.3%€224k▲ 4.1%€172k▼ 23.1%€265k▲ 54.1%
Net result€185k-€168k▼ 8.8%€174k▲ 3.3%€126k▼ 27.7%€204k▲ 62.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 54% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €281k
Fixed assets
€3k▼ 73.0%
Current assets
€279k▲ 56.8%
Equity and liabilities €281k
Equity
€211k▲ 2,909%
Debt
€71k▼ 60.9%
The debt ratio falls from 96.3% to 25.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€272k▲
2024 · €179k
Cash flow
€211k▲
2024 · €133k
Solvency
74.9%▲
2024 · 3.7%
Current ratio
3.94▲
2024 · 0.98
Quick ratio
3.94▲
2024 · 0.98
Debt / equity
0.34▼
2024 · 25.81
ROE
96.7%
ROA
72.4%▲
2024 · 66.9%
Interest coverage
238.76▲
2024 · 89.94
Debt
€71k▼
2024 · €181k
Debt ≤ 1 year
€71k▼
2024 · €181k
Income taxes
€70k▲
2024 · €50k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€188k€281k▲
Fixed assets21/28€10k€3k▼
Tangible fixed assets22/27€10k€3k▼
Furniture and vehicles24€10k€3k▼
Current assets29/58€178k€279k▲
Amounts receivable within one year40/41€85k€176k▲
Trade receivables40-€79
Other amounts receivable41€85k€176k▲
Cash at bank and in hand54/58€4k€600▼
Deferred charges and accrued income490/1€89k€102k▲
Equity and liabilities
Total equity and liabilities10/49€188k€281k▲
Equity10/15€7k€211k▲
Contributions10/11€7k€7k=
Profit (loss) carried forward14-€204k
Amounts payable17/49€181k€71k▼
Amounts payable within one year42/48€181k€71k▼
Current portion of amounts payable after more than one year42-€20k
Trade debts44€202-
Suppliers440/4€202-
Taxes, remuneration and social security45€74k€50k▼
Taxes450/3€74k€50k▼
Other amounts payable47/48€107k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€2k-
Gross operating margin9900€181k€272k▲
Operating profit (loss)9901€172k€265k▲
Financial income75/76B€6k€10k▲
Recurring financial income75€6k€10k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€176k€274k▲
Income taxes67/77€50k€70k▲
Profit (loss) for the period9904€126k€204k▲
Profit (loss) for the period to be appropriated9905€126k€204k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€204k▲
Profit to be distributed694/7€126k-
Return on contributions (dividend)694€126k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
31-12
Financial
Highest result since 2020net €204k ▲62.1%
Operating result €265k, net result €204k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 3.94
Current ratio from 0.98 to 3.94; short-term debt falls from €181k to €71k.
31-12
Financial
Equity above €200kEq €211k ▲2909%
6 profitable years in a row build equity to €211k.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €225k ▲453%
2 profitable years in a row build equity to €225k.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
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, Thuin · 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.
Chant des Oiseaux(Lieu-dit)(THN) 376530 ThuinGround area
1,911 m²
Building footprint
165 m²
Volume, LiDAR
1,693 m³
Parcel 56078C0133/00Z007, Wallonia · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CREDIT INSURANCE SOLUTIONS
since 20192.295.877.855
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56078C0133/00Z007 | Wallonia | 1,911 m² | 1 · 165 m² | 12.8 m · 3 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2019
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.