inoïa
Activeinoïa has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €38k. Its solvency ranks better than 19% of 17022 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
Profitability100▲+100
Solvency42▲+42
Growth78
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.03 in 2024; short-term debt: 52.4% and cash: 20.4% of total assets), but 83% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
17%
Return on assets
39.3%
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 19% of 17022 sector peers (2025).
NBB · sector comparisonPosition among 17022 sector peers
Solvency
better than 19%
← 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 02-06-2026, 59 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
59 d early
2024
56 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k
2024 · €-21k
2024: €-21k
2024 → 2025
Total assets
€97k▲ 171%
2024 · €36k
2024: €36k
2024 → 2025
Net result
€38k
2024 · €-28k
2024: €-28k
2024 → 2025
Working capital
€46k▲ 4,256%
2024 · €1k
2024: €1k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€-21k-€17k
Operating result€-28k-€43k
Net result€-28k-€38k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €43k after a loss of €28k in 2024.
Balance-sheet composition
Equity and liabilities €97k
Equity
€17k
Debt
€81k
Debt finances 83.0% of the balance-sheet total.
Key figures and ratios
Solvency
17.0%▲
2024 · -57.9%
Current ratio
1.91▲
2024 · 1.03
Quick ratio
1.91▲
2024 · 1.03
Debt / equity
4.89▲
2024 · -2.73
ROE
231.7%
ROA
39.3%▲
2024 · -77.4%
Debt
€81k▲
2024 · €57k
Debt ≤ 1 year
€51k▲
2024 · €35k
Income taxes
€4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€36k€97k▲
Current assets29/58€36k€97k▲
Amounts receivable within one year40/41€32k€65k▲
Trade receivables40€32k€65k▲
Other amounts receivable41€1-
Cash at bank and in hand54/58€2k€20k▲
Deferred charges and accrued income490/1€1k€12k▲
Equity and liabilities
Total equity and liabilities10/49€36k€97k▲
Equity10/15€-21k€17k▲
Contributions10/11€7k€6k▼
Profit (loss) carried forward14€-28k€11k▲
Amounts payable17/49€57k€81k▲
Amounts payable within one year42/48€35k€51k▲
Trade debts44€35k€44k▲
Suppliers440/4€35k€44k▲
Taxes, remuneration and social security45€253€7k▲
Taxes450/3€253€7k▲
Other amounts payable47/48€15€15=
Accrued charges and deferred income492/3€22k€30k▲
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€-386▼
Other operating charges640/8€387€955▲
Gross operating margin9900€-26k€43k▲
Operating profit (loss)9901€-28k€43k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€54€155▲
Recurring financial charges65€54€155▲
Profit (loss) for the period before taxes9903€-28k€43k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-28k€38k▲
Profit (loss) for the period to be appropriated9905€-28k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€11k▲
Profit (loss) brought forward from the previous period14P-€-28k
The notes to these accounts (1 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Les Bons Villers · 1 establishment unit since 2024
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.
Rue Ernest Solvay(MEL) 496211 Les Bons VillersGround area
1,424 m²
Building footprint
169 m²
Volume, LiDAR
1,239 m³
2 parcels, Wallonia · tallest building 12.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
inoïa
since 20242.356.883.234
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52046B0694/00P000 | Wallonia | 751 m² | 1 · 117 m² | 12.0 m · 4 fl. |
| 52024B0166/00F000 | Wallonia | 674 m² | 1 · 52 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 12,156 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded12-03-2024
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.