IN-TO

Active

Private limited companyfounded 2022active for 4 yearsVerrekijker 29, 8750 Wingene, BelgiumKBO/BCE: BE 0789.607.813

Summary

IN-TO has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €231,119 and a net result of €105,321. Equity is growing by about 2.6% per year across the filed financial years. Its solvency ranks better than 21% of 9,849 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisFollow Report Compare

IN-TOActiveChecked score 80/100

Risk analysis Report Compare

Activity

Joinery installation

NACE 43320Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials NACE 16250

1 site

Size

≈ €1.2mturnover 2025, estimated

Staff: 3 FTE
Equity: €231,119
Profit: €105,321

Turnover estimated from the gross margin

Financial health

80 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.5%

Structure

In-VestDirector · permanent representative CALIS Koen

Auditor: Moore Audit2025 accounts 65 days early

Why 80raises riskFounded in 2022lowers riskFigures for financial year 2025 (filed 27-05-2026)Size: 3 FTE, total assets €1.2mLiquidity: current ratio 0.96, cash €210,336Show the evidence

Checked score

Score 2025

80 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 32% of its sector peers (NACE 43, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 45-4

equity 19.9% of total assets

Liquidity 35-11

short-term debt 69.9% · cash 18.1%

Profitability 80-10

return on assets 9.1%

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)

Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025lowest value 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.6%▲ +0.2 percentage points vs 05-2025 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.6%▼ -0.1 percentage points vs 07-2025 09-2025: 0.6%● unchanged vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.5%▼ -0.1 percentage points vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.5%● unchanged vs 07-2026 09-2026: 0.5%● unchanged vs 08-2026 10-2026: 0.5%● unchanged vs 09-2026

Credit of up to €18,000 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.96, compared with 1.23 in 2024, below 1; short-term debt: 69.9% and cash: 18.1% of total assets), and 80.1% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 22% on solvency, 23% on liquidity, 59% on profitability and 24% on growth.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Figures for financial year 2025 (filed 27-05-2026)

NBB · annual accounts

Size: 3 FTE, total assets €1.2m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Founded in 2022

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 0.96, cash €210,336

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 9849 sector peers (2025).

NBB · sector comparison

Position among 9849 sector peers

Solvency

better than 21%

← weakest strongest →

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 filings

Deviation from the deadline

2025

65 days early

2024

28 days early

2023

15 days early

2022

11 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 30 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 10 July (3 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since incorporation in 2022.

KBO publications · our coverage

27-05-2026 Annual accounts filedfinancial year 2025 · abbreviated…
03-07-2025 Annual accounts filedfinancial year 2024 · abbreviated…
31-12-2024 Highest result from 2022 to 2025net €184,758 ▲58%

Key points

Caution: Result fell in 2025from €184,758 to €105,321 ▼ 43.0% View
Positive: Always filed on timeaccounts within the deadline every year 4 years View
One director decidessole director in office 1 View

By topic

Financials

Financial year: 2025
Total assets: €1.2m
Profit: €105,321
Solvency: 19.9%

Go to Financials

Board & ownership

Board: 1 member
Auditor: Moore Audit

In-VestDirector

Go to Board & ownership

Timeline

Events: 6
Since: 2022
Next accounts: by 31-07-2027

16-07-2024Annual accounts filed
20-07-2023Annual accounts filed
16-08-2022Incorporation

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Joinery installationNACE 43320
Founded: 11-08-2022
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 16

Who signs: Each director alone
Annual meeting: Last Friday of June at 14:00

Go to Articles of association

Key facts about IN-TO

What is the company number of IN-TO?: 0789.607.813. In Belgium the VAT number is the company number with BE in front: BE 0789.607.813.
Where is IN-TO based?: The registered office is at Verrekijker 29, 8750 Wingene.Company details
What does IN-TO do?: According to the KBO register, the main activity is joinery installation (NACE 43320).
What is the legal form of IN-TO?: Private limited company (BV).
When was IN-TO founded?: On 11-08-2022.
Is IN-TO still active?: Yes, IN-TO is an active enterprise in the KBO register.
How many employees does IN-TO have?: On average 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of IN-TO?: €2.3m in financial year 2022, according to the filed annual accounts.
Is IN-TO profitable?: In financial year 2025, IN-TO made a profit of €105,321.
Where can I find the annual accounts of IN-TO?: IN-TO filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of IN-TO due?: By 31-07-2027, for financial year 2026.Timeline