Inici
ActiveSummary
Inici has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €60k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 16% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+6
Solvency38▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.99 in 2024; short-term debt: 28.7% and cash: 22.6% of total assets), and 87.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
12.5%
Return on assets
20.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 16%
← 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 19-05-2026, 73 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
73 d early
2024
14 d late
2023
21 d early
2022
11 d late
2021
16 d early
2020
22 d early
2019
52 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 4.1%
2024 · €35k
2018: €15k
2019: €39k
2020: €45k
2021: €38k
2022: €41k
2023: €44k
2024: €35k
2018 → 2025
Total assets
€295k▼ 3.7%
2024 · €306k
2018: €97k
2019: €83k
2020: €103k
2021: €181k
2022: €189k
2023: €260k
2024: €306k
2018 → 2025
Net result
€60k▲ 27.4%
2024 · €47k
2018: €19k
2019: €29k
2020: €15k
2021: €-2k
2022: €8k
2023: €47k
2024: €47k
2018 → 2025
Working capital
€-5k▼ 320%
2024 · €-1k
2018: €11k
2019: €30k
2020: €35k
2021: €23k
2022: €22k
2023: €31k
2024: €-1k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€41k▲ 8.7%€44k▲ 7.0%€35k▼ 19.0%€37k▲ 4.1%
Operating result€13k-€18k▲ 44.9%€71k▲ 288%€74k▲ 4.2%€92k▲ 23.6%
Net result€-2k-€8k€47k▲ 485%€47k▼ 0.3%€60k▲ 27.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295k
Fixed assets
€215k ▼ 5.9%
Current assets
€80k ▲ 2.9%
Equity and liabilities €295k
Equity
€37k ▲ 4.1%
Debt
€258k ▼ 4.7%
Debt's share of the balance-sheet total falls from 88.4% to 87.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€109k▲
2024 · €87k
Cash flow
€78k▲
2024 · €60k
Current ratio
0.94▼
2024 · 0.99
Debt to equity
6.99▼
2024 · 7.63
ROE
163.0%▲
2024 · 133.1%
ROA
20.4%▲
2024 · 15.4%
Interest coverage
10.85▲
2024 · 9.14
Debt ≤ 1 year
€85k▲
2024 · €79k
Debt > 1 year
€173k▼
2024 · €191k
Income taxes
€22k▲
2024 · €17k
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 · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€306k€295k▼
Fixed assets21/28€229k€215k▼
Tangible fixed assets22/27€229k€215k▼
Land and buildings22€215k€205k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€10k€9k▼
Current assets29/58€78k€80k▲
Amounts receivable within one year40/41€44k€13k▼
Trade receivables40€44k€13k▼
Current investments50/53€435€435=
Cash at bank and in hand54/58€32k€67k▲
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€306k€295k▼
Equity10/15€35k€37k▲
Contributions10/11€19k€19k=
Reserves13€17k€18k▲
Distributable reserves133€17k€18k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€271k€258k▼
Amounts payable after more than one year17€191k€173k▼
Financial debts170/4€191k€173k▼
Amounts payable within one year42/48€79k€85k▲
Current portion of amounts payable after more than one year42€33k€29k▼
Trade debts44€6k€11k▲
Suppliers440/4€6k€11k▲
Taxes, remuneration and social security45€40k€45k▲
Taxes450/3€40k€45k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€732€403▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€17k▲
Other operating charges640/8€453€1k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€87k€111k▲
Operating profit (loss)9901€74k€92k▲
Financial income75/76B-€482
Recurring financial income75-€482
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€65k€82k▲
Income taxes67/77€17k€22k▲
Profit (loss) for the period9904€47k€60k▲
Profit (loss) for the period to be appropriated9905€47k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€60k▲
Transfer from equity791/2€8k€0▼
Transfer to equity691/2€0€1k▲
To other reserves6921€0€1k▲
Profit to be distributed694/7€56k€59k▲
Return on contributions (dividend)694€56k€59k▲
The notes to these accounts (7 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €60k ▲27.4%
Operating result €92k, net result €60k, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-2k ▼110%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 2.66
Current ratio from 1.23 to 2.66; short-term debt falls from €50k to €18k.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Zoersel · 1 establishment unit since 2016
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.
Kapellei 312980 ZoerselGround area
97 m²
Building footprint
112 m²
Volume, LiDAR
582 m³
Parcel 11453I0208/00Y000, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Inici
since 20162.259.573.527
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11453I0208/00Y000 | Flanders | 97 m² | 1 · 112 m² | 10.8 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
2023 · 1 entry · 195 EUR awarded · 195 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 195 EUR | 195 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,823 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
Founded21-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.