In Balance
ActiveThe computed 12-month bankruptcy probability of In Balance is 1.7% (moderate). The 2025 annual accounts show equity of €37k and a net result of €42k. Equity is shrinking by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 21% of 7697 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-4
Solvency38▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.24 in 2024; short-term debt: 49.1% and cash: 52.9% of total assets), and 87.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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
12.9%
Return on assets
14.7%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 7697 sector peers (2025).
NBB · sector comparisonPosition among 7697 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
43 d early
2023
5 d late
2022
6 d early
2021
on the day
2020
11 d early
2019
52 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▼ 4.8%
2024 · €39k
2019: €151k
2020: €136k
2021: €142k
2022: €118k
2023: €70k
2024: €39k
2019 → 2025
Total assets
€286k▼ 33.1%
2024 · €427k
2019: €534k
2020: €485k
2021: €436k
2022: €406k
2023: €465k
2024: €427k
2019 → 2025
Net result
€42k▼ 44.6%
2024 · €76k
2019: €32k
2020: €-600
2021: €6k
2022: €12k
2023: €57k
2024: €76k
2019 → 2025
Working capital
€54k▼ 6.0%
2024 · €57k
2019: €99k
2020: €99k
2021: €92k
2022: €81k
2023: €83k
2024: €57k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€142k-€118k▼ 16.8%€70k▼ 40.5%€39k▼ 44.9%€37k▼ 4.8%
Operating result€14k-€25k▲ 75.2%€84k▲ 237%€111k▲ 31.3%€56k▼ 49.3%
Net result€6k-€12k▲ 86.7%€57k▲ 379%€76k▲ 32.4%€42k▼ 44.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€92k▼ 32.2%
Current assets
€194k▼ 33.5%
Equity and liabilities €286k
Equity
€37k▼ 4.8%
Debt
€249k▼ 35.9%
The debt ratio falls from 90.9% to 87.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€102k▼
2024 · €156k
Cash flow
€88k▼
2024 · €122k
Solvency
12.9%▲
2024 · 9.1%
Current ratio
1.38▲
2024 · 1.24
Quick ratio
1.38▲
2024 · 1.24
Debt / equity
6.73▼
2024 · 10.00
ROE
114.0%▼
2024 · 196.0%
ROA
14.7%▼
2024 · 17.8%
Interest coverage
28.96▲
2024 · 27.22
Debt
€249k▼
2024 · €388k
Debt ≤ 1 year
€140k▼
2024 · €235k
Debt > 1 year
€60k▼
2024 · €83k
Income taxes
€16k▼
2024 · €29k
Staff costs
€7k
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€427k€286k▼
Fixed assets21/28€135k€92k▼
Tangible fixed assets22/27€135k€92k▼
Land and buildings22€120k€77k▼
Plant, machinery and equipment23€360€3k▲
Furniture and vehicles24€15k€12k▼
Current assets29/58€292k€194k▼
Amounts receivable within one year40/41€63k€42k▼
Trade receivables40€21k€38k▲
Other amounts receivable41€42k€5k▼
Cash at bank and in hand54/58€228k€151k▼
Deferred charges and accrued income490/1€926€772▼
Equity and liabilities
Total equity and liabilities10/49€427k€286k▼
Equity10/15€39k€37k▼
Contributions10/11€19k€19k=
Reserves13€20k€18k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€20k€18k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€388k€249k▼
Amounts payable after more than one year17€83k€60k▼
Financial debts170/4€83k€60k▼
Amounts payable within one year42/48€235k€140k▼
Current portion of amounts payable after more than one year42€50k€23k▼
Trade debts44€17k€17k▲
Suppliers440/4€17k€17k▲
Taxes, remuneration and social security45€35k€1k▼
Taxes450/3€35k€1k▼
Other amounts payable47/48€133k€99k▼
Accrued charges and deferred income492/3€70k€48k▼
Income statement
Code20242025
Non-recurring operating income76A€33k€0▼
Remuneration, social security and pensions62-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€46k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€159k€112k▼
Operating profit (loss)9901€111k€56k▼
Financial income75/76B€383€5k▲
Recurring financial income75€383€5k▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€106k€58k▼
Income taxes67/77€29k€16k▼
Profit (loss) for the period9904€76k€42k▼
Profit (loss) for the period to be appropriated9905€76k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€42k▼
Transfer from equity791/2€32k€2k▼
Profit to be distributed694/7€108k€44k▼
Return on contributions (dividend)694€108k€44k▼
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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2019net €76k ▲32.4%
Operating result €111k, net result €76k, both a record.
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
20-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-600 ▼102%
Net result drops to €-600, the lowest in the series; recovery starts the following year.
2019
10-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Gent · 2 establishment units since 2005
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.
Koning Albertlaan 729000 GentGround area
1,414 m²
Building footprint
334 m²
Volume, LiDAR
2,733 m³
2 parcels, Flanders · tallest building 20.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
In Balance
since 20052.150.394.186
In Balance
since 20242.355.138.422
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0412/00F000 | Flanders | 1,310 m² | 1 · 252 m² | 10.0 m · 2 fl. |
| 44809I0767/00S000 | Flanders | 104 m² | 1 · 81 m² | 20.4 m · 5 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 4,066 EUR awarded · 4,028 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 440 EUR | 402 EUR |
| 2024 | 2 | 2,876 EUR | 2,876 EUR |
| 2023 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
Similar companies · same sector, comparable size
ETS. VANDENBERGHE
BE 0440.596.269
Wemmel · Eq €37k
Drion du Chapois Brieuc
BE 0780.640.261
Havelange · Eq €36k
CHUN
BE 0717.660.834
Aarschot · Eq €38k
ALAND
BE 0811.813.685
Zaventem · Eq €38k
Chez Marco
BE 0746.539.318
Anderlecht · Eq €39k
Of 1,352 companies in sector 56220 we hold annual accounts for 405. 310 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2005
Fiscal year end30-06
Activities, NACEBEL
56220Contract catering and other food service activities
56290Food and beverage service activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.