In.Perspective.
ActiveSummary
In.Perspective. has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €40k and a net result of €13k. Equity is growing by ~46.5% per year across the filed fiscal years. Its solvency ranks better than 70% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
97
/ 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=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 5.4 against 3.76 in 2023; short-term debt: 17.8% and cash: 69.7% of total assets), and 17.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 86
Relative position
BE, all sectors
reference
Sector 86
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
8 d early
2022
17 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€40k▲ 46.0%
2023 · €27k
2022: €14k
2023: €27k
2022 → 2024
Total assets
€49k▲ 33.2%
2023 · €36k
2022: €27k
2023: €36k
2022 → 2024
Net result
€13k▼ 2.2%
2023 · €13k
2022: €13k
2023: €13k
2022 → 2024
Working capital
€38k▲ 51.2%
2023 · €25k
2022: €4k
2023: €25k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€14k-€27k▲ 88.9%€40k▲ 46.0%
Operating result€19k-€19k▼ 3.2%€20k▲ 8.5%
Net result€13k-€13k▼ 4.5%€13k▼ 2.2%
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 2024; 2024 is 9% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €49k
Fixed assets
€2k ▼ 14.6%
Current assets
€47k ▲ 36.3%
Equity and liabilities €49k
Equity
€40k ▲ 46.0%
Debt
€9k ▼ 5.0%
Debt's share of the balance-sheet total falls from 25.0% to 17.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▲
2023 · €19k
Cash flow
€13k▼
2023 · €14k
Current ratio
5.40▲
2023 · 3.76
Debt to equity
0.22▼
2023 · 0.33
ROE
31.5%▼
2023 · 47.1%
ROA
25.9%▼
2023 · 35.3%
Interest coverage
10.85▼
2023 · 686.40
Debt ≤ 1 year
€9k▼
2023 · €9k
Income taxes
€6k▼
2023 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€36k€49k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€125€0▼
Financial fixed assets28-€330
Current assets29/58€34k€47k▲
Amounts receivable within one year40/41€3k€6k▲
Trade receivables40€2k€6k▲
Other amounts receivable41€787€787=
Cash at bank and in hand54/58€31k€34k▲
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€36k€49k▲
Equity10/15€27k€40k▲
Contributions10/11€1k€1k=
Reserves13€26k€39k▲
Distributable reserves133€26k€39k▲
Amounts payable17/49€9k€9k▼
Amounts payable within one year42/48€9k€9k▼
Trade debts44€666€2k▲
Suppliers440/4€666€2k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€1k€779▼
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€655€647▼
Other operating charges640/8€867€798▼
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€22k€22k▼
Operating profit (loss)9901€19k€20k▲
Financial income75/76B€20€0▼
Recurring financial income75€20€0▼
Financial charges65/66B€28€2k▲
Recurring financial charges65€28€2k▲
Profit (loss) for the period before taxes9903€19k€18k▼
Income taxes67/77€6k€6k▼
Profit (loss) for the period9904€13k€13k▼
Profit (loss) for the period to be appropriated9905€13k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€13k▼
Transfer to equity691/2€13k€13k▼
To other reserves6921€13k€13k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €13k ▼2.2%
Net result drops to €13k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 3.76
Current ratio from 1.33 to 3.76; short-term debt falls from €13k to €9k.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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 · 1 establishment unit since 2021
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.
Franklin Rooseveltlaan 349/ B449000 GentGround area
740 m²
Building footprint
611 m²
Volume, LiDAR
13,251 m³
Parcel 44804D2709/00K008, Flanders · tallest building 29.0 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
In.Perspective
since 20212.325.124.840
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2709/00K008 | Flanders | 740 m² | 1 · 611 m² | 29.0 m · 9 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 180 EUR awarded · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 180 EUR |
| 2022 | 1 | 180 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
Similar companies · same sector, comparable size
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CPAPsy LEENAERTS
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CENTRE HARMONIE
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CONTEXTPSYCHO
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Of 5,524 companies in sector 86931 we hold annual accounts for 550. 440 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86931Psychology services
86995Nutrition and dietetics services
85592Vocational training
85599Other education
86932Human health activities
86939Human health activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.