Debts
€171,241 ▲ 105%
Debts rose by €87,517 in 2025.
INDIVISUAL
Lifetime
20 annual accounts with figures on one time axis, 24 filings since 2002peak €71,410 (2017)
€30,509▲ 48.0%
lowest -€78,599 (2022)
-€2,781▼ €6,337
peak €292,485 (2021)
€211,898▼ 1.3%
€171,241▲ 105%
Board1 name since 2021
1 directorMateusen Joris
Documentsfilings and deeds
25-10-202686 days late
2025micro format
Gross margin from €20,611 to €30,509Loss of €2,781Debts from €83,724 to €171,241Investments €85,792
Key points
from the 2025 annual accountsInvestments
€85,792 3.3 × depreciation
Green is investment, beige is depreciation.
Filings
24 annual accounts 86 days
Latest accounts filed late: after the legal deadline.
Checked score
64
Healthy
Financially stronger than 39% of micro companies in advertising and market research (NACE 73)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,229 companies (NACE 73, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%lowest value
01-2025: 0.5%▲ +0.3 percentage points vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.4%▼ -0.1 percentage points vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.2 percentage points vs 07-2025
09-2025: 0.7%▲ +0.1 percentage points vs 08-2025
10-2025: 1.0%▲ +0.3 percentage points vs 09-2025
11-2025: 1.1%▲ +0.1 percentage points vs 10-2025
12-2025: 1.6%▲ +0.5 percentage points vs 11-2025
01-2026: 1.5%▼ -0.1 percentage points vs 12-2025
02-2026: 1.5%● unchanged vs 01-2026
03-2026: 1.5%● unchanged vs 02-2026
04-2026: 1.6%▲ +0.1 percentage points vs 03-2026
05-2026: 1.5%▼ -0.1 percentage points vs 04-2026
06-2026: 1.4%▼ -0.1 percentage points vs 05-2026
07-2026: 1.4%● unchanged vs 06-2026
08-2026: 1.8%▲ +0.4 percentage points vs 07-2026
09-2026: 2.2%▲ +0.4 percentage points vs 08-2026highest value
10-2026: 1.2%▼ -1.0 percentage point vs 09-2026
11-2026: 1.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 86 days late; 3 of the last 3 accounts late
1 change of registered office in 24 months
Size: total assets €383,139
lowers risk
Founded in 2001
Calculation
The band follows from the bankruptcy probability. 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 73, micro). It does better than 54% of them on solvency, 29% on liquidity, 31% on profitability and 40% on growth.
The bankruptcy probability was computed on 07-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as INDIVISUAL has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of INDIVISUAL itself is higher: 1.2% within 12 months. It rests on far more data about INDIVISUAL than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for INDIVISUAL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €13,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.12 (3.83 in 2024), above the usual 1.5. Short-term debt is 30.8% and cash 6.9% of total assets. 44.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 86 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-10-2026, 86 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
86 days late
2024
145 days late
2023
61 days late
2022
31 days late
2021
59 days late
2020
29 days late
2019
85 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 71 days after the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · 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 1 October (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0475447082
Registered office moved from Leuven to Rotselaar
New registered office: Bessenlaan 83, 3110 Rotselaar · Previous registered office: Amerikalaan 31 bus 32, 3000 Leuven, België · General meeting of 31-10-2024 · Gazette deed
First establishment
Bessenlaan 83, Rotselaar
Incorporation
published on 22-08-2001 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| INDIVISUAL Rotselaar | €383,139 | €30,509 | 55.3% | - |
| ANKE BUCKINX Hasselt | €365,749 | €31,043 | 69.6% | - |
| chantier 17 Grimbergen | €398,412 | €21,790 | 74.6% | - |
| EPIPHANY CONSULTING Overijse | €391,218 | €23,950 | 95.9% | - |
| M-SUPPORT Huldenberg | €369,417 | €45,169 | 12.1% | - |
| DARLING Leuven | €401,146 | €42,644 | 66.0% | 0 |
| CONSULTING VEULEMANS Tienen | €274,581 | €35,357 | 61.1% | - |
These companies have the same main activity as INDIVISUAL: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €275,000 and €401,000, founded between 1997 and 2006.
Official details
Source: KBO- Status
- Active since 08-08-2001Normal situation
- Activity
- Public relations and communication consultancyNACE 73300and 5 others
- Establishment unit
- 2.116.612.7493110 Rotselaar, since 18-10-2001
- Financial year end
- 31 December
- Peppol
- Reachable since 10-04-2025
Insights on INDIVISUAL
INDIVISUAL files the micro format. That format states no turnover. The gross margin rose from €13,456 in 2006 to €30,509 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about INDIVISUAL
- What is the company number of INDIVISUAL?
- The company number of INDIVISUAL is 0475.447.082. The VAT number is the same number with BE in front: BE 0475.447.082.
- Where is INDIVISUAL based?
- The registered office is at Bessenlaan 83, 3110 Rotselaar.Company details
- What does INDIVISUAL do?
- According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
- What is the legal form of INDIVISUAL?
- INDIVISUAL is a private limited company (pre-2019) (BVBA).
- When was INDIVISUAL founded?
- INDIVISUAL was founded on 08-08-2001.
- Is INDIVISUAL still active?
- Yes, INDIVISUAL is an active enterprise in the KBO register.
- What is the turnover of INDIVISUAL?
- The turnover in financial year 2025 is ≈ €88,000. This figure is estimated from the gross margin of €30,509 and 30 comparable companies (NACE 73). It probably lies between €57,000 and €110,000.Financials
- Is INDIVISUAL profitable?
- In financial year 2025, INDIVISUAL made a loss of €2,781.
- Where can I find the annual accounts of INDIVISUAL?
- INDIVISUAL filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of INDIVISUAL due?
- INDIVISUAL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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