IN-AC-AL
ActiveThe annual accounts of IN-AC-AL for fiscal year 2025 show a net loss of 258% of total assets and of 83% of the equity at the start of that year. The 2025 annual accounts show equity of €101k and a net result of €-512k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 46% of 31642 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-69
Solvency76▼-24
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.68 against 0.03 in 2024; short-term debt: 49% and cash: 56.6% of total assets), and 49% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51%
Return on assets
-257.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
6 d early
2023
23 d late
2022
5 d early
2021
31 d early
2020
51 d early
2019
45 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▼ 83.5%
2024 · €614k
2018: €642k
2019: €641k
2020: €624k
2021: €622k
2022: €617k
2023: €613k
2024: €614k
2018 → 2025
Total assets
€199k▼ 72.8%
2024 · €732k
2018: €834k
2019: €796k
2020: €771k
2021: €763k
2022: €752k
2023: €743k
2024: €732k
2018 → 2025
Net result
€-512k
2024 · €127
2018: €-1k
2019: €-830
2020: €-17k
2021: €-2k
2022: €-5k
2023: €-4k
2024: €127
2018 → 2025
Working capital
€66k
2024 · €-113k
2018: €-127k
2019: €-116k
2020: €-129k
2021: €-122k
2022: €-120k
2023: €-119k
2024: €-113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€622k-€617k▼ 0.8%€613k▼ 0.6%€614k=€101k▼ 83.5%
Operating result€-2k-€-5k▼ 220%€-3k▲ 33.6%€345€-512k
Net result€-2k-€-5k▼ 106%€-4k▲ 24.3%€127€-512k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €512k after €345 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €199k
Fixed assets
€35k▼ 95.2%
Current assets
€164k▲ 5,463%
Equity and liabilities €199k
Equity
€101k▼ 83.5%
Debt
€97k▼ 17.7%
The debt ratio rises from 16.2% to 49.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-503k▼
2024 · €11k
Cash flow
€-503k▼
2024 · €11k
Solvency
51.0%▼
2024 · 83.8%
Current ratio
1.68▲
2024 · 0.03
Quick ratio
1.68▲
2024 · 0.03
Debt / equity
0.96▲
2024 · 0.19
ROE
-504.9%▼
2024 · 0.0%
ROA
-257.7%▼
2024 · 0.0%
Interest coverage
-2133.98▼
2024 · 49.88
Debt
€97k▼
2024 · €118k
Debt ≤ 1 year
€97k▼
2024 · €116k
Debt > 1 year
€0▼
2024 · €2k
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€732k€199k▼
Fixed assets21/28€729k€35k▼
Tangible fixed assets22/27€41k€35k▼
Land and buildings22€28k€29k▲
Plant, machinery and equipment23€2k€925▼
Furniture and vehicles24€11k€5k▼
Financial fixed assets28€688k€0▼
Current assets29/58€3k€164k▲
Amounts receivable within one year40/41€153€1k▲
Trade receivables40€48€767▲
Other amounts receivable41€104€238▲
Current investments50/53-€50k
Cash at bank and in hand54/58€3k€113k▲
Deferred charges and accrued income490/1€163€60▼
Equity and liabilities
Total equity and liabilities10/49€732k€199k▼
Equity10/15€614k€101k▼
Contributions10/11€14k€14k=
Reserves13€599k€87k▼
Tax-exempt reserves132€4k€4k=
Distributable reserves133€595k€83k▼
Amounts payable17/49€118k€97k▼
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€116k€97k▼
Current portion of amounts payable after more than one year42€4k€2k▼
Trade debts44€310€468▲
Suppliers440/4€310€468▲
Taxes, remuneration and social security45€966€1k▲
Taxes450/3€966€1k▲
Other amounts payable47/48€111k€94k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€9k▼
Other operating charges640/8€2k€507k▲
Gross operating margin9900€13k€4k▼
Operating profit (loss)9901€345€-512k▼
Financial charges65/66B€218€236▲
Recurring financial charges65€218€236▲
Profit (loss) for the period before taxes9903€127€-512k▼
Profit (loss) for the period9904€127€-512k▼
Profit (loss) for the period to be appropriated9905€127€-512k▼
Appropriation of the result
Profit (loss) to be appropriated9906€127€-512k▼
Transfer from equity791/2-€512k
Transfer to equity691/2€127€0▼
To other reserves6921€127-
The notes to these accounts (8 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-512k ▼404407%
Net result drops to €-512k, the lowest in the series.
31-12
Financial
Liquidity times 66current ratio 1.68
Current ratio from 0.03 to 1.68; short-term debt falls from €116k to €97k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €127
Net result €127 after 6 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Somme-Leuze · 1 establishment unit since 1999
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.
Rue Bois-des-Sarts,Nettinne 125377 Somme-LeuzeGround area
4,017 m²
Building footprint
164 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chemin de la Deffe, Nettinne 1, 5377 Somme-Leuze
since 19992.103.164.490
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91100C0196/00N000 | Wallonia | 3,319 m² | 1 · 164 m² | - |
| 91100B0204/00N000 | Wallonia | 698 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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e+
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,601 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-1999
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
74142
55203Holiday cottages, homes and apartments
68201Renting and operating of own or leased residential real estate, excluding social housing
70201
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.