Summary
INNSPIKE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €167,994 and a net result of -€31,638. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 8091 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
18 d early
2024
1 d early
2023
40 d early
2022
6 d early
2021
5 d early
2020
5 d early
2019
2 d early
← 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 11 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 25 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€167,994▼ 15.8%
2024 · €199,632
Net result
-€31,638▲ 48.5%
2024 · -€61,491
Total assets
€271,674▼ 26.3%
2024 · €368,493
Solvency
61.8%▲ 7.7pp
2024 · 54.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€124,811€147,227▲ 18.0%€31,619▼ 78.5%-€57,774-€27,332▲ 52.7%
Net result€98,822above the sector's middle half€127,445above the sector's middle half▲ 29.0%€20,470within the sector's middle half▼ 83.9%-€61,491below the sector's middle half-€31,638below the sector's middle half▲ 48.5%
Equity€174,808within the sector's middle half▲ 63.7%€301,453within the sector's middle half▲ 72.4%€261,123within the sector's middle half▼ 13.4%€199,632within the sector's middle half▼ 23.5%€167,994within the sector's middle half▼ 15.8%
Total assets€358,332within the sector's middle half▲ 51.7%€560,967within the sector's middle half▲ 56.5%€646,741within the sector's middle half▲ 15.3%€368,493within the sector's middle half▼ 43.0%€271,674within the sector's middle half▼ 26.3%
Debt€183,525▲ 41.9%€259,514▲ 41.4%€385,618▲ 48.6%€168,861▼ 56.2%€103,681▼ 38.6%
Working capital€209,952above the sector's middle half▲ 31.9%€288,013above the sector's middle half▲ 37.2%€238,440above the sector's middle half▼ 17.2%€167,120above the sector's middle half▼ 29.9%€136,138within the sector's middle half▼ 18.5%
Solvency48.8%within the sector's middle half▲ 3.6pp53.7%within the sector's middle half▲ 5.0pp40.4%within the sector's middle half▼ 13.4pp54.2%within the sector's middle half▲ 13.8pp61.8%within the sector's middle half▲ 7.7pp
Current ratio3.25within the sector's middle half▼ 4.483.28within the sector's middle half▲ 0.031.86within the sector's middle half▼ 1.422.67within the sector's middle half▲ 0.813.25within the sector's middle half▲ 0.58
Return on assets (ROA)27.6%above the sector's middle half▲ 33.5pp22.7%within the sector's middle half▼ 4.9pp3.2%within the sector's middle half▼ 19.6pp-16.7%below the sector's middle half▼ 19.9pp-11.6%below the sector's middle half▲ 5.0pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €27,332 in 2025 against €57,774 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €271,674
Fixed assets
€75,074 ▼ 25.8%
Current assets
€196,601 ▼ 26.5%
Equity and liabilities €271,674
Equity
€167,994 ▼ 15.8%
Debt
€103,681 ▼ 38.6%
Debt's share of the balance-sheet total falls from 45.8% to 38.2%. Equity and debt are lower.
Key figures and ratios
ROE
-18.8%▲
2024 · -30.8%
Debt ≤ 1 year
€60,462▼
2024 · €100,205
Debt > 1 year
€34,701▼
2024 · €68,656
Income taxes
€1,746▲
2024 · €297
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,975 | €12,665 | €27,685 | €29,178 | €29,277 | ▲ 0.3% |
| Other operating charges640/8 | - | €1,171 | €1,483 | €1,905 | €3,435 | ▲ 80.3% |
| Non-recurring operating charges66A | - | - | - | - | €749 | - |
| Gross operating margin9900 | €134,775 | €161,063 | €60,787 | -€26,691 | €6,129 | ▲ 123% |
| Operating profit (loss)9901 | €124,811 | €147,227 | €31,619 | -€57,774 | -€27,332 | ▲ 52.7% |
| Financial income75/76B | - | €23,044 | - | - | €9 | - |
| Recurring financial income75 | - | €0 | - | - | €9 | - |
| Non-recurring financial income76B | - | €23,044 | - | - | - | - |
| Financial charges65/66B | - | €3,022 | €4,042 | €3,420 | €2,569 | ▼ 24.9% |
| Recurring financial charges65 | €1,878 | €2,609 | €4,042 | €3,420 | €2,569 | ▼ 24.9% |
| Non-recurring financial charges66B | - | €413 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €122,933 | €167,249 | €27,578 | -€61,194 | -€29,893 | ▲ 51.2% |
| Income taxes67/77 | €24,112 | €39,804 | €7,108 | €297 | €1,746 | ▲ 489% |
| Profit (loss) for the period9904 | €98,822 | €127,445 | €20,470 | -€61,491 | -€31,638 | ▲ 48.5% |
| Profit (loss) for the period to be appropriated9905 | €98,822 | €127,445 | €20,470 | -€61,491 | -€31,638 | ▲ 48.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €358,332 | €560,967 | €646,741 | €368,493 | €271,674 | ▼ 26.3% |
| Fixed assets21/28 | €54,882 | €146,591 | €130,346 | €101,168 | €75,074 | ▼ 25.8% |
| Tangible fixed assets22/27 | €54,882 | €146,591 | €130,346 | €101,168 | €75,074 | ▼ 25.8% |
| Plant, machinery and equipment23 | - | €1,663 | €6,582 | €5,006 | €6,376 | ▲ 27.4% |
| Furniture and vehicles24 | - | €12,076 | €15,713 | €12,912 | €10,249 | ▼ 20.6% |
| Leasing and similar rights25 | - | €90,684 | €71,406 | €52,129 | €32,851 | ▼ 37.0% |
| Other tangible fixed assets26 | - | €42,169 | €36,645 | €31,121 | €25,598 | ▼ 17.7% |
| Current assets29/58 | €303,451 | €414,376 | €516,395 | €267,325 | €196,601 | ▼ 26.5% |
| Amounts receivable within one year40/41 | €159,198 | €190,042 | €68,612 | €4,457 | €32,312 | ▲ 625% |
| Trade receivables40 | - | €189,743 | €6,310 | €4,456 | €18,596 | ▲ 317% |
| Other amounts receivable41 | - | €299 | €62,302 | €1 | €13,716 | ▲ 1,576,436% |
| Cash at bank and in hand54/58 | €48,863 | €132,997 | €362,103 | €181,013 | €86,782 | ▼ 52.1% |
| Deferred charges and accrued income490/1 | - | €91,337 | €85,680 | €81,855 | €77,507 | ▼ 5.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €358,332 | €560,967 | €646,741 | €368,493 | €271,674 | ▼ 26.3% |
| Equity10/15 | €174,808 | €301,453 | €261,123 | €199,632 | €167,994 | ▼ 15.8% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €156,208 | €282,853 | €242,523 | €181,032 | €149,394 | ▼ 17.5% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €280,993 | €240,663 | €181,032 | €149,394 | ▼ 17.5% |
| Amounts payable17/49 | €183,525 | €259,514 | €385,618 | €168,861 | €103,681 | ▼ 38.6% |
| Amounts payable after more than one year17 | €90,026 | €133,151 | €101,635 | €68,656 | €34,701 | ▼ 49.5% |
| Financial debts170/4 | - | €133,151 | €101,635 | €68,656 | €34,701 | ▼ 49.5% |
| Amounts payable within one year42/48 | €93,498 | €126,363 | €277,955 | €100,205 | €60,462 | ▼ 39.7% |
| Current portion of amounts payable after more than one year42 | - | €31,868 | €32,031 | €32,979 | €33,956 | ▲ 3.0% |
| Financial debts43 | - | €6,935 | €2,505 | €571 | - | - |
| Credit institutions430/8 | - | €6,690 | - | - | - | - |
| Other loans439 | - | €245 | €2,505 | €571 | - | - |
| Trade debts44 | €5,455 | €23,965 | €225,447 | €38,981 | €20,016 | ▼ 48.7% |
| Suppliers440/4 | - | €23,965 | €225,447 | €38,981 | €20,016 | ▼ 48.7% |
| Taxes, remuneration and social security45 | - | €58,526 | - | €5,776 | €6,491 | ▲ 12.4% |
| Taxes450/3 | - | €58,526 | - | €5,776 | €6,491 | ▲ 12.4% |
| Other amounts payable47/48 | - | €5,070 | €17,972 | €21,898 | - | - |
| Accrued charges and deferred income492/3 | - | - | €6,028 | - | €8,518 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €98,822 | €127,445 | €20,470 | -€61,491 | -€31,638 | ▲ 48.5% |
| + Depreciation and write-downs630 | €8,975 | €12,665 | €27,685 | €29,178 | €29,277 | ▲ 0.3% |
| Operating cash flow (approximation) | €107,797 | €140,110 | €48,155 | -€32,313 | -€2,361 | ▲ 92.7% |
| Investment in fixed assets (approximation) | - | -€104,375 | -€11,440 | €0 | -€3,183 | - |
| Change in cash | - | €84,134 | €229,106 | -€181,090 | -€94,231 | ▲ 48.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet -€61,491
Net result drops to -€61,491, the lowest in the series; recovery starts the following year.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €127,445 ▲29%
Operating result €147,227, net result €127,445, both a record.
30-06
Financial
Equity above €200,000Eq €301,453 ▲72.4%
2 profitable years in a row build equity to €301,453.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €98,822
Net result €98,822 after one loss-making year.
30-06
Financial
Equity above €150,000Eq €174,808 ▲63.7%
Equity rises from €106,786 to €174,808.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Kortrijk · 1 establishment unit since 2016
Ground area
1,430 m²
Building footprint
282 m²
Volume, LiDAR
996 m³
Parcel 34033C0220/00K000, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
INNSPIKE
since 20162.254.592.972
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34033C0220/00K000 | Flanders | 1,429 m² | 1 · 282 m² | 7.3 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
9676004BPG15PPHSXQ52
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,404 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-07-2016
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0658749863
Registered
31-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.