Insectira
ActiveSummary
Insectira has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235k and a net result of €6k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 78% of 4522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-1
Solvency93▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 3.0 against 3.07 in 2024; short-term debt: 28.3% and cash: 19.1% of total assets), and 32.5% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five 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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
67.5%
Return on assets
1.7%
Age of the figures
9 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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
25 d late
2023
68 d late
2022
63 d late
2021
31 d late
2020
27 d late
2019
83 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€235k▼ 5.7%
2024 · €250k
Total assets
€349k▼ 6.9%
2024 · €375k
Net result
€6k▼ 44.9%
2024 · €10k
Working capital
€197k▼ 5.1%
2024 · €207k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€23k▼ 45.3%€76k▲ 231%€-16k€19k€19k▼ 1.2%
Net result€15k▼ 41.8%€57k▲ 279%€-34k€10k€6k▼ 44.9%
Equity€240k▲ 2.2%€277k▲ 15.4%€243k▼ 12.3%€250k▲ 2.7%€235k▼ 5.7%
Total assets€340k▼ 4.1%€367k▲ 8.1%€360k▼ 2.0%€375k▲ 4.1%€349k▼ 6.9%
Debt€100k▼ 16.5%€90k▼ 9.7%€117k▲ 29.8%€125k▲ 7.1%€113k▼ 9.4%
Working capital€235k▲ 4.1%€230k▼ 2.0%€199k▼ 13.3%€207k▲ 4.1%€197k▼ 5.1%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €349k
Fixed assets
€53k ▼ 20.8%
Current assets
€295k ▼ 3.9%
Equity and liabilities €349k
Equity
€235k ▼ 5.7%
Debt
€113k ▼ 9.4%
Debt's share of the balance-sheet total falls from 33.4% to 32.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€37k▲
2024 · €31k
Cash flow
€24k▲
2024 · €22k
Current ratio
3.00▼
2024 · 3.07
Debt to equity
0.48▼
2024 · 0.50
ROE
2.4%▼
2024 · 4.2%
ROA
1.7%▼
2024 · 2.8%
Interest coverage
14.82▲
2024 · 13.96
Debt ≤ 1 year
€99k▼
2024 · €100k
Debt > 1 year
€15k▼
2024 · €25k
Income taxes
€11k▲
2024 · €6k
Staff costs
€49k▼
2024 · €53k
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €33k | €37k | €54k | €53k | €49k | ▼ 7.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €7k | €23k | €12k | €18k | ▲ 52.4% |
| Other operating charges640/8 | €416 | €5k | €96k | €11k | €22k | ▲ 95.0% |
| Non-recurring operating charges66A | - | - | - | - | €357 | - |
| Gross operating margin9900 | €66k | €125k | €157k | €95k | €108k | ▲ 13.9% |
| Operating profit (loss)9901 | €23k | €76k | €-16k | €19k | €19k | ▼ 1.2% |
| Financial income75/76B | - | €938 | - | - | - | - |
| Recurring financial income75 | - | €938 | - | - | - | - |
| Financial charges65/66B | €322 | €1k | €2k | €2k | €2k | ▲ 12.2% |
| Recurring financial charges65 | €322 | €1k | €2k | €2k | €2k | ▲ 12.2% |
| Profit (loss) for the period before taxes9903 | €23k | €76k | €-18k | €17k | €16k | ▼ 2.9% |
| Income taxes67/77 | €8k | €18k | €16k | €6k | €11k | ▲ 64.7% |
| Profit (loss) for the period9904 | €15k | €57k | €-34k | €10k | €6k | ▼ 44.9% |
| Profit (loss) for the period to be appropriated9905 | €15k | €57k | €-34k | €10k | €6k | ▼ 44.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €340k | €367k | €360k | €375k | €349k | ▼ 6.9% |
| Fixed assets21/28 | €12k | €53k | €61k | €67k | €53k | ▼ 20.8% |
| Tangible fixed assets22/27 | €9k | €50k | €58k | €65k | €51k | ▼ 21.6% |
| Plant, machinery and equipment23 | - | - | - | €2k | €3k | ▲ 68.2% |
| Furniture and vehicles24 | €9k | €50k | €58k | €63k | €48k | ▼ 23.9% |
| Financial fixed assets28 | €3k | €3k | €2k | €2k | €2k | = |
| Current assets29/58 | €328k | €314k | €299k | €307k | €295k | ▼ 3.9% |
| Amounts receivable within one year40/41 | €208k | €215k | €192k | €178k | €229k | ▲ 28.5% |
| Trade receivables40 | €208k | €215k | €191k | €176k | €228k | ▲ 29.6% |
| Other amounts receivable41 | - | - | €541 | €2k | €485 | ▼ 74.0% |
| Cash at bank and in hand54/58 | €120k | €97k | €107k | €129k | €66k | ▼ 48.6% |
| Deferred charges and accrued income490/1 | - | €2k | €549 | €133 | €185 | ▲ 38.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €340k | €367k | €360k | €375k | €349k | ▼ 6.9% |
| Equity10/15 | €240k | €277k | €243k | €250k | €235k | ▼ 5.7% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Capital10 | €6k | €6k | - | - | - | - |
| Issued capital100 | €19k | €19k | - | - | - | - |
| Uncalled capital101 | €12k | €12k | - | - | - | - |
| Outside capital11 | - | - | €6k | - | - | - |
| Other1109/19 | - | - | €6k | - | - | - |
| Reserves13 | €228k | €271k | €237k | €243k | €229k | ▼ 5.9% |
| Non-distributable reserves130/1 | €2k | €15k | - | - | - | - |
| Legal reserve130 | €2k | €15k | - | - | - | - |
| Distributable reserves133 | €226k | €256k | €237k | €243k | €229k | ▼ 5.9% |
| Profit (loss) carried forward14 | €6k | - | - | - | - | - |
| Amounts payable17/49 | €100k | €90k | €117k | €125k | €113k | ▼ 9.4% |
| Amounts payable after more than one year17 | €7k | €4k | €16k | €25k | €15k | ▼ 41.2% |
| Financial debts170/4 | €7k | €4k | €16k | €25k | €15k | ▼ 41.2% |
| Amounts payable within one year42/48 | €93k | €84k | €100k | €100k | €99k | ▼ 1.4% |
| Current portion of amounts payable after more than one year42 | €5k | €3k | €7k | €11k | €10k | ▼ 9.0% |
| Financial debts43 | - | - | €1k | €167 | €224 | ▲ 34.3% |
| Credit institutions430/8 | - | - | €1k | €167 | €224 | ▲ 34.3% |
| Trade debts44 | €35k | €11k | €15k | €21k | €6k | ▼ 69.6% |
| Suppliers440/4 | €35k | €11k | €15k | €21k | €6k | ▼ 69.6% |
| Taxes, remuneration and social security45 | €44k | €53k | €67k | €53k | €49k | ▼ 7.4% |
| Taxes450/3 | €38k | €46k | €61k | €47k | €46k | ▼ 2.2% |
| Remuneration and social security454/9 | €6k | €7k | €6k | €6k | €3k | ▼ 51.7% |
| Other amounts payable47/48 | €9k | €18k | €9k | €14k | €33k | ▲ 130% |
| Accrued charges and deferred income492/3 | - | €1k | €208 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15k | €57k | €-34k | €10k | €6k | ▼ 44.9% |
| + Depreciation and write-downs630 | €9k | €7k | €23k | €12k | €18k | ▲ 52.4% |
| Operating cash flow (approximation) | €24k | €64k | €-11k | €22k | €24k | ▲ 6.4% |
| Investment in fixed assets (approximation) | - | €-48k | €-30k | €-18k | €-4k | ▲ 79.3% |
| Change in cash | - | €-23k | €10k | €22k | €-63k | ▼ 383% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
2022
31-12
Financial
Highest result since 2018net €57k ▲279%
Operating result €76k, net result €57k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 83 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Hannut · 1 establishment unit since 2000
Ground area
1,563 m²
Building footprint
145 m²
Parcel 64051B0011/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Marcel Royer (MOX) 16, 4280 Hannut
since 20002.096.671.826
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64051B0011/00F000 | Wallonia | 1,563 m² | 1 · 145 m² | - |
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.
Similar companies · same sector, comparable size
CVP NETTOYAGE
BE 0633.546.392
Floreffe · Eq €235,528
ACTION CLEAN
BE 0476.123.114
Watermaal-Bosvoorde · Eq €235,197
VITR' O NET
BE 0442.970.294
Theux · Eq €234,868
ANTWERPSE COMMERCIELE HANDELSMAATSCHAPPIJ
BE 0836.289.557
Antwerpen · Eq €234,610
RUITENWASSERIJ MULTI CLEAN
BE 0503.905.595
Brugge · Eq €234,389
Of 6,997 companies in sector 81220 we hold annual accounts for 2,414. 1,756 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
Founded19-07-2000
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
43350Other building finishing work
81230Other cleaning activities
Scores and ratios are computed by Checked and are not a credit decision.