@InGradum

Active

Private limited companyfounded 201610 yrs activeCraenenbroekstraat 2A, 3380 Glabbeek, BelgiumKBO/BCE: BE 0662.797.931

Summary

The annual accounts of @InGradum for fiscal year 2025 show a net loss of 87% of the equity at the start of that year. The 2025 annual accounts show equity of €42,919 and a net result of -€285,061. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 10% of 38777 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

@InGradumActiveChecked score 53/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

#3 company by total assets in Glabbeek, Professional and technical services sector2 sites

Size

€1.9mtotal assets 2025

Equity: €42,919
Loss: -€285,061

Turnover not published (abridged schema)

Financial health

53 Fair Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Holdings: 1

Accounts filed 19 d late0 of 3 deeds read

Why 53Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €285,061 (FY 2025)- Equity €42,919 (2.3% of total assets)+ Size: total assets €1.9m+ Sector Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 17% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 27-10

equity 2.3% of total assets

Liquidity 53-1

short-term debt 20.6% · cash 7.5%

Profitability 10-32

return on assets -15.2%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,260 companies)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -0.9% vs 12-2024 02-2025: 0.2%▲ +7.2% vs 01-2025 03-2025: 0.3%▲ +19.8% vs 02-2025 04-2025: 0.3%▲ +6.3% vs 03-2025 05-2025: 0.3%▲ +12.9% vs 04-2025 06-2025: 0.4%▲ +21.7% vs 05-2025 07-2025: 0.5%▲ +12.5% vs 06-2025highest value 08-2025: 0.1%▼ -87.4% vs 07-2025lowest value 09-2025: 0.1%● 0.0% vs 08-2025lowest value 10-2025: 0.1%● 0.0% vs 09-2025lowest value 11-2025: 0.1%● 0.0% vs 10-2025lowest value 12-2025: 0.1%● 0.0% vs 11-2025lowest value 01-2026: 0.1%● 0.0% vs 12-2025lowest value 02-2026: 0.1%▲ +5.1% vs 01-2026 03-2026: 0.1%▲ +24.2% vs 02-2026 04-2026: 0.1%▲ +9.1% vs 03-2026 05-2026: 0.1%▲ +16.7% vs 04-2026 06-2026: 0.1%▲ +28.6% vs 05-2026 07-2026: 0.2%▲ +28.6% vs 06-2026 08-2026: 0.3%▲ +95.1% vs 07-2026 09-2026: 0.3%▲ +7.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026

Loss of €285,061 (FY 2025) raises the probability
Size: total assets €1.9m lowers the probability for this profile
Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Equity €42,919 (2.3% of total assets) raises the probability

Credit up to €2,000 at 30 days only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity ample (current ratio 1.75 against 0.51 in 2024; short-term debt: 20.6% and cash: 7.5% of total assets), but 97.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 11%, liquidity 41%, profitability 11%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Loss of €285,061 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Size: total assets €1.9m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Equity €42,919 (2.3% of total assets)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 38777 sector peers (2025).

NBB · sector comparison

Position among 38777 sector peers

Solvency

better than 10%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 9 filings

Deviation from the deadline

2025

19 d late

2024

23 d early

2023

23 d late

2022

13 d early

2021

74 d late

2020

85 d late

2019

145 d late

← before the deadline after the deadline →

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

This company filed its last 7 accounts on average 44 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 19 August (4 of the last 5 filed years within 42 days of that day).

Companies Code · seven months

Position in the running window

04-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

19-08-26 Annual accounts filedfiscal year 2025 · micro…
18-08-26 Board meeting · Director reappointmentPower of attorney · Representation…
31-12-25 Weakest financial yearnet -€285,061

Key points

Caution: From profit to loss in 2025after €70,362 in 2024 -€285,061 View
Caution: Among the weakest 5% on net resultsector median €27,167 · 38,791 companies -€285,061 View
Total assets 20256 fiscal years filed €1.9m View