IN-TO
ActiveIN-TO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €231k and a net result of €105k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 21% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency24▼-16
Growth32▼-46
Stability94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.23 in 2024), and 80.1% 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
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
19.9%
Return on assets
9.1%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 7689 sector peers (2025).
NBB · sector comparisonPosition among 7689 sector peers
Solvency
better than 21%
← weakest
strongest →
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 27-05-2026, 65 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
65 d early
2024
28 d early
2023
15 d early
2022
11 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€231k▼ 10.1%
2024 · €257k
2023: €242k
2024: €257k
2023 → 2025
Total assets
€1.16M▲ 7.3%
2024 · €1.08M
2023: €841k
2024: €1.08M
2023 → 2025
Net result
€105k▼ 43.0%
2024 · €185k
2023: €117k
2024: €185k
2023 → 2025
Working capital
€-32k
2024 · €159k
2023: €176k
2024: €159k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€242k-€257k▲ 6.1%€231k▼ 10.1%
Operating result€111k-€176k▲ 58.5%€92k▼ 47.5%
Net result€117k-€185k▲ 58.0%€105k▼ 43.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 48% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€381k▲ 61.1%
Current assets
€779k▼ 7.8%
Equity and liabilities €1.16M
Equity
€231k▼ 10.1%
Debt
€929k▲ 12.7%
The debt ratio rises from 76.2% to 80.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€184k▼
2024 · €253k
Cash flow
€197k▼
2024 · €262k
Solvency
19.9%▼
2024 · 23.8%
Current ratio
0.96▼
2024 · 1.23
Quick ratio
0.77▼
2024 · 0.99
Debt / equity
4.02▲
2024 · 3.21
ROE
45.6%▼
2024 · 71.8%
ROA
9.1%▼
2024 · 17.1%
Interest coverage
11.06▼
2024 · 17.60
Debt
€929k▲
2024 · €825k
Debt ≤ 1 year
€811k▲
2024 · €686k
Debt > 1 year
€117k▼
2024 · €124k
Income taxes
€555▼
2024 · €6k
Staff costs
€234k▼
2024 · €245k
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€1.08M€1.16M▲
Fixed assets21/28€237k€381k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€237k€381k▲
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€152k€113k▼
Furniture and vehicles24€82k€266k▲
Current assets29/58€845k€779k▼
Stocks and contracts in progress3€165k€150k▼
Stocks30/36€165k€150k▼
Amounts receivable within one year40/41€423k€410k▼
Trade receivables40€331k€374k▲
Other amounts receivable41€91k€36k▼
Cash at bank and in hand54/58€250k€210k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.16M▲
Equity10/15€257k€231k▼
Contributions10/11€27k€27k=
Reserves13€74k€48k▼
Distributable reserves133€74k€48k▼
Profit (loss) carried forward14€157k€157k=
Amounts payable17/49€825k€929k▲
Amounts payable after more than one year17€124k€117k▼
Financial debts170/4€124k€117k▼
Amounts payable within one year42/48€686k€811k▲
Current portion of amounts payable after more than one year42€58k€52k▼
Financial debts43€200k€200k=
Credit institutions430/8€200k€200k=
Trade debts44€136k€156k▲
Suppliers440/4€136k€156k▲
Advances received on contracts in progress46€76k€159k▲
Taxes, remuneration and social security45€24k€16k▼
Taxes450/3€7k€4k▼
Remuneration and social security454/9€17k€12k▼
Other amounts payable47/48€192k€228k▲
Accrued charges and deferred income492/3€15k€697▼
Income statement
Code20242025
Non-recurring operating income76A€500€3k▲
Remuneration, social security and pensions62€245k€234k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€91k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€503k€422k▼
Operating profit (loss)9901€176k€92k▼
Financial income75/76B€29k€30k▲
Recurring financial income75€29k€30k▲
Financial charges65/66B€14k€17k▲
Recurring financial charges65€14k€17k▲
Profit (loss) for the period before taxes9903€190k€106k▼
Income taxes67/77€6k€555▼
Profit (loss) for the period9904€185k€105k▼
Profit (loss) for the period to be appropriated9905€185k€105k▼
Appropriation of the result
Profit (loss) to be appropriated9906€341k€262k▼
Profit (loss) brought forward from the previous period14P€157k€157k=
Transfer from equity791/2-€27k
Transfer to equity691/2€15k€1k▼
To other reserves6921€15k€1k▼
Profit to be distributed694/7€170k€131k▼
Return on contributions (dividend)694-€27k
Directors or managers695€170k€104k▼
Social balance
Average headcount (FTE)90871.83.0▲
The notes to these accounts (18 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €105k ▼43%
Net result drops to €105k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2023net €185k ▲58%
Operating result €176k, net result €185k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
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, Wingene · 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.
Verrekijker 298750 WingeneGround area
1,910 m²
Building footprint
673 m²
Volume, LiDAR
3,888 m³
Parcel 37018F1190/00K000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
In-To
since 20222.334.498.010
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37018F1190/00K000 | Flanders | 1,910 m² | 1 · 672 m² | 8.8 m · 2 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
2025 · 1 entry · 600 EUR awarded · 600 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 600 EUR | 600 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 53 companies in sector 16250 we hold annual accounts for 46. 33 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2022
Fiscal year end31-12
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
16250Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials
43320Joinery installation
16281Manufacture of other wood products
31001Manufacture of furniture
43240Other construction installation
43299Specialised construction activities
47522Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.