INSEPARABLE ADN
ActiveThe computed 12-month bankruptcy probability of INSEPARABLE ADN is 2.0% (moderate). The 2025 annual accounts show equity of €27k and a net result of €3k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 4144 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▼-7
Solvency59▲+4
Growth63=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.57 in 2024; short-term debt: 53.8% and cash: 30.1% of total assets), but 66.1% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
33.9%
Return on assets
3.7%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
23 d late
2023
33 d late
2022
19 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€972k▲ 18.0%
2023 · €824k
2022: €736k
2023: €824k
2022 → 2024
EBIT margin
0.7%▲ 0.6pp
2023 · 0.1%
2022: 2.1%
2023: 0.1%
2022 → 2024
Net result
€3k▼ 35.4%
2024 · €5k
2022: €12k
2023: €-2k
2024: €5k
2022 → 2025
Working capital
€28k▲ 8.2%
2024 · €26k
2022: €48k
2023: €32k
2024: €26k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€736k-€824k▲ 12.0%€972k▲ 18.0%
Equity€22k-€20k▼ 11.1%€24k▲ 23.0%€27k▲ 12.1%
Operating result€15k-€793▼ 94.8%€7k▲ 799%€5k▼ 25.1%
Net result€12k-€-2k€5k€3k▼ 35.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€9k▲ 9.8%
Current assets
€71k▼ 0.4%
Equity and liabilities €80k
Equity
€27k▲ 12.1%
Debt
€53k▼ 4.4%
The debt ratio falls from 69.5% to 66.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €9k
Cash flow
€3k▼
2024 · €6k
Solvency
33.9%▲
2024 · 30.5%
Current ratio
1.65▲
2024 · 1.57
Quick ratio
0.63▲
2024 · 0.52
Debt / equity
1.95▼
2024 · 2.28
ROE
10.8%▼
2024 · 18.7%
ROA
3.7%▼
2024 · 5.7%
Interest coverage
3.27▼
2024 · 6.27
Debt
€53k▼
2024 · €55k
Debt ≤ 1 year
€43k▼
2024 · €46k
Debt > 1 year
€10k=
2024 · €10k
Income taxes
€1k▼
2024 · €2k
Staff costs
€38k▼
2024 · €47k
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€80k€80k▲
Fixed assets21/28€8k€9k▲
Tangible fixed assets22/27€3k€4k▲
Plant, machinery and equipment23€1k€1k=
Furniture and vehicles24€2k€3k▲
Financial fixed assets28€5k€5k=
Current assets29/58€71k€71k▼
Stocks and contracts in progress3€48k€44k▼
Stocks30/36€48k€44k▼
Amounts receivable within one year40/41€17k€588▼
Trade receivables40€14k-
Other amounts receivable41€4k€588▼
Cash at bank and in hand54/58€6k€24k▲
Deferred charges and accrued income490/1€565€2k▲
Equity and liabilities
Total equity and liabilities10/49€80k€80k▲
Equity10/15€24k€27k▲
Contributions10/11€10k€10k=
Capital10€10k€10k=
Issued capital100€10k€10k=
Profit (loss) carried forward14€14k€17k▲
Amounts payable17/49€55k€53k▼
Amounts payable after more than one year17€10k€10k=
Financial debts170/4€10k€10k=
Amounts payable within one year42/48€46k€43k▼
Current portion of amounts payable after more than one year42€13k€4k▼
Trade debts44€21k€19k▼
Suppliers440/4€21k€19k▼
Taxes, remuneration and social security45€11k€12k▲
Taxes450/3-€4k
Remuneration and social security454/9€11k€8k▼
Other amounts payable47/48-€8k
Income statement
Code20242025
Turnover70€972k-
Goods, raw materials, services and sundry goods60/61€914k-
Remuneration, social security and pensions62€47k€38k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€538▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€59k€45k▼
Operating profit (loss)9901€7k€5k▼
Financial income75/76B€1k€656▼
Recurring financial income75€1k€656▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€7k€4k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€5k€3k▼
Profit (loss) for the period to be appropriated9905€5k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€17k▲
Profit (loss) brought forward from the previous period14P€10k€14k▲
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
2023
31-12
Financial
Weakest financial yearnet €-2k ▼120%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sambreville · 1 establishment unit since 2022
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.
Chemin du Halage(AUV) 135060 SambrevilleGround area
2,234 m²
Building footprint
427 m²
Volume, LiDAR
1,899 m³
2 parcels, Wallonia · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Chaussée de Binche 20/22, 7000 Mons
since 20222.326.886.577
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92007E0542/00H000 | Wallonia | 1,626 m² | 1 · 216 m² | 9.9 m · 1 fl. |
| 53405C0033/00N000 | Wallonia | 609 m² | 1 · 210 m² | 8.3 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.326.886.577
Similar companies · same sector, comparable size
Piyango
BE 0763.943.591
Beringen · Eq €27k
FLV Invest
BE 0674.898.977
Chièvres · Eq €27k
NOMALI
BE 0732.520.343
Diepenbeek · Eq €27k
N.H. DE POMP
BE 0841.028.503
Beveren-Kruibeke-Zwijndrecht · Eq €28k
HESTIA VSP
BE 0894.716.617
Boussu · Eq €27k
Of 1,266 companies in sector 47300 we hold annual accounts for 946. 598 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2022
Fiscal year end31-12
Activities, NACEBEL
47300Retail sale of automotive fuel
47110Non-specialised retail sale with food, beverages or tobacco predominating
47111Retail trade
47112Retail trade
47241Retail sale of bread and pastry (bakery outlets)
47252Retail sale of beverages, general range
47620Retail trade
47621Retail sale of newspapers and periodicals
53100Postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:inseparable.adn@outlook.be
Phone:0485290263