In&O
ActiveIn&O has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €335k and a net result of €192k. Equity is growing by ~107.3% per year across the filed fiscal years. Its solvency ranks better than 83% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 7.03 against 4.24 in 2023; short-term debt: 13.9% and cash: 80.9% of total assets), and 13.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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 2024Solvency, return and age of the figures
Solvency
86.1%
Return on assets
49.5%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
54 d late
2023
54 d late
2022
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€335k▲ 135%
2023 · €143k
2022: €29k
2023: €143k
2022 → 2024
Total assets
€389k▲ 111%
2023 · €184k
2022: €64k
2023: €184k
2022 → 2024
Net result
€192k▲ 69.0%
2023 · €114k
2022: €26k
2023: €114k
2022 → 2024
Working capital
€325k▲ 141%
2023 · €135k
2022: €29k
2023: €135k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€29k-€143k▲ 395%€335k▲ 135%
Operating result€32k-€162k▲ 402%€277k▲ 71.0%
Net result€26k-€114k▲ 340%€192k▲ 69.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 71% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €389k
Fixed assets
€10k▲ 26.6%
Current assets
€379k▲ 115%
Equity and liabilities €389k
Equity
€335k▲ 135%
Debt
€54k▲ 29.7%
The debt ratio falls from 22.6% to 13.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€280k▲
2023 · €163k
Cash flow
€194k▲
2023 · €115k
Solvency
86.1%▲
2023 · 77.4%
Current ratio
7.03▲
2023 · 4.24
Quick ratio
7.03▲
2023 · 4.24
Debt / equity
0.16▼
2023 · 0.29
ROE
57.4%▼
2023 · 79.8%
ROA
49.5%▼
2023 · 61.8%
Interest coverage
766.03▼
2023 · 1469.89
Debt
€54k▲
2023 · €42k
Debt ≤ 1 year
€54k▲
2023 · €42k
Income taxes
€85k▲
2023 · €48k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€184k€389k▲
Fixed assets21/28€8k€10k▲
Tangible fixed assets22/27€8k€10k▲
Land and buildings22€6k€9k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€2k-
Current assets29/58€176k€379k▲
Amounts receivable within one year40/41€23k€24k▲
Trade receivables40€23k€24k▲
Cash at bank and in hand54/58€153k€314k▲
Deferred charges and accrued income490/1-€40k
Equity and liabilities
Total equity and liabilities10/49€184k€389k▲
Equity10/15€143k€335k▲
Contributions10/11€3k€3k=
Reserves13€114k€306k▲
Distributable reserves133€114k€306k▲
Profit (loss) carried forward14€26k€26k▲
Amounts payable17/49€42k€54k▲
Amounts payable within one year42/48€42k€54k▲
Trade debts44€902€3k▲
Suppliers440/4€902€3k▲
Taxes, remuneration and social security45€36k€50k▲
Taxes450/3€36k€48k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€5k€217▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€959€2k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€166k€282k▲
Operating profit (loss)9901€162k€277k▲
Financial charges65/66B€111€365▲
Recurring financial charges65€111€365▲
Profit (loss) for the period before taxes9903€162k€277k▲
Income taxes67/77€48k€85k▲
Profit (loss) for the period9904€114k€192k▲
Profit (loss) for the period to be appropriated9905€114k€192k▲
Appropriation of the result
Profit (loss) to be appropriated9906€140k€218k▲
Profit (loss) brought forward from the previous period14P€26k€26k▲
Transfer to equity691/2€114k€192k▲
To other reserves6921€114k€192k▲
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
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Highest result since 2022net €192k ▲69%
Operating result €277k, net result €192k, both a record.
31-12
Financial
Equity above €200kEq €335k ▲135%
3 profitable years in a row build equity to €335k.
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 4.24
Current ratio from 1.89 to 4.24.
31-12
Financial
Equity above €100kEq €143k ▲395%
2 profitable years in a row build equity to €143k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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, Ath · 1 establishment unit since 2022
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 du Mont(Mai) 1437812 AthGround area
3,536 m²
Building footprint
171 m²
Parcel 51041C0143/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
In&O
since 20222.335.526.111
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51041C0143/00N000 | Wallonia | 3,536 m² | 1 · 171 m² | - |
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.
Similar companies · same sector, comparable size
Mernier Management et Construction
BE 0518.942.278
Fernelmont · Eq €335k
CONSULTANCE, MANAGEMENT & CONCEPT
BE 0647.548.838
Namur · Eq €335k
Mapiri
BE 0728.717.250
Schaarbeek · Eq €335k
MALICO
BE 0797.127.984
Zwevegem · Eq €335k
Ultim V
BE 0666.417.714
Brugge · Eq €335k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 37,485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.