INS & CO
ActiveThe computed 12-month bankruptcy probability of INS & CO is 3.9% (moderate). The 2025 annual accounts show equity of €115k and a net result of €52k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 76% of 4472 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth71=
Stability100
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.78 against 3.08 in 2024), and 34% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
66%
Return on assets
30.2%
Age of the figures
8 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
33 d early
2023
28 d late
2022
86 d late
2021
31 d late
2020
27 d late
2019
41 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€63k▲ 7.6%
2020 · €59k
2020: €59k
2020 → 2021
EBIT margin
25.7%▲ 21.2pp
2020 · 4.5%
2020: 4.5%
2020 → 2021
Net result
€52k▲ 35.3%
2024 · €39k
2019: €9k
2020: €7k
2021: €16k
2022: €3k
2023: €-24k
2024: €39k
2019 → 2025
Working capital
€106k▲ 98.7%
2024 · €53k
2019: €12k
2020: €19k
2021: €20k
2022: €-33k
2023: €-31k
2024: €53k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€63k-
Equity€44k-€47k▲ 7.7%€24k▼ 50.3%€62k▲ 165%€115k▲ 84.2%
Operating result€16k-€3k▼ 84.3%€-25k€51k€76k▲ 50.1%
Net result€16k-€3k▼ 78.6%€-24k€39k€52k▲ 35.3%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 50% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174k
Fixed assets
€9k=
Current assets
€165k▲ 110%
Equity and liabilities €174k
Equity
€115k▲ 84.2%
Debt
€59k▲ 132%
The debt ratio rises from 29.0% to 34.0%: debt grows faster than equity.
Key figures and ratios
Solvency
66.0%▼
2024 · 71.0%
Current ratio
2.78▼
2024 · 3.08
Quick ratio
2.78▼
2024 · 3.08
Debt / equity
0.52▲
2024 · 0.41
ROE
45.7%▼
2024 · 62.2%
ROA
30.2%▼
2024 · 44.2%
Debt
€59k▲
2024 · €26k
Debt ≤ 1 year
€59k▲
2024 · €26k
Income taxes
€28k▲
2024 · €12k
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€88k€174k▲
Fixed assets21/28€9k€9k=
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Financial fixed assets28€9k€9k=
Current assets29/58€79k€165k▲
Amounts receivable within one year40/41€60k€161k▲
Trade receivables40€0€40k▲
Other amounts receivable41€60k€121k▲
Cash at bank and in hand54/58€19k€4k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€88k€174k▲
Equity10/15€62k€115k▲
Contributions10/11€12k€12k=
Reserves13€9k€61k▲
Non-distributable reserves130/1€453€453=
Reserves not available under the articles1311€453€453=
Distributable reserves133€9k€61k▲
Profit (loss) carried forward14€41k€41k=
Amounts payable17/49€26k€59k▲
Amounts payable within one year42/48€26k€59k▲
Trade debts44€4€3k▲
Suppliers440/4€4€3k▲
Taxes, remuneration and social security45€18k€49k▲
Taxes450/3€18k€49k▲
Other amounts payable47/48€8k€8k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k-
Other operating charges640/8€872€15k▲
Non-recurring operating charges66A€28k-
Gross operating margin9900€84k€91k▲
Operating profit (loss)9901€51k€76k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€3k€588▼
Recurring financial charges65€3k€588▼
Profit (loss) for the period before taxes9903€50k€80k▲
Income taxes67/77€12k€28k▲
Profit (loss) for the period9904€39k€52k▲
Profit (loss) for the period to be appropriated9905€39k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€93k▲
Profit (loss) brought forward from the previous period14P€2k€41k▲
Transfer to equity691/2-€52k
To other reserves6921-€52k
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (10 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €52k ▲35.3%
Operating result €76k, net result €52k, both a record.
31-12
Financial
Equity above €100kEq €115k ▲84.2%
2 profitable years in a row build equity to €115k.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 3.08
Current ratio from 0.68 to 3.08; short-term debt falls from €95k to €26k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-24k ▼801%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 86 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 41 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ganshoren · 1 establishment unit since 2018
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.
Prins Boudewijnstraat 671083 GanshorenGround area
6,226 m²
Building footprint
1,715 m²
Volume, LiDAR
51,786 m³
2 parcels, Brussels · tallest building 47.0 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
INS & CO
since 20182.280.649.845
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21008A0392/00X000 | Brussels | 3,242 m² | 1 · 427 m² | 27.7 m · 8 fl. |
| 21003A0289/00L011 | Brussels | 2,983 m² | 1 · 1,288 m² | 47.0 m · 11 fl. |
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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BROQUESOY
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GUNES TRANSPORT
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DUELEN JOHAN TRANSPORT
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Of 12,446 companies in sector 49410 we hold annual accounts for 8,087. 6,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-10-2018
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.