Inser'action
ActiveSummary
Inser'action has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €107k and a net result of €85. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 514 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability79▼-4
Solvency64▼-7
Growth48▼-28
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.82 against 1.81 in 2023; short-term debt: 34.7% and cash: 22.2% of total assets), but 61.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 88
Relative position
BE, all sectors
reference
Social work activities without accommodation (NACE 88)
about 62% fewer 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
38.8%
Return on assets
0%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
44 d early
2022
33 d early
2021
37 d early
2020
23 d early
2019
60 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
€15k▼ 16.9%
2023 · €18k
2021: €15klowest in 4 years
2022: €16k▲ +10.2% vs 2021
2023: €18k▲ +13.7% vs 2022highest in 4 years
2024: €15k▼ -16.9% vs 2023
2021 → 2024
EBIT margin
5.1%▼ 51.6pp
2023 · 56.7%
2021: -99.6%lowest in 4 years
2022: 118.4%▲ +219% vs 2021highest in 4 years
2023: 56.7%▼ -52.2% vs 2022
2024: 5.1%▼ -91.0% vs 2023
2021 → 2024
Net result
€85▼ 99.1%
2023 · €10k
2018: €3k
2019: €8k▲ +160% vs 2018
2020: €23k▲ +203% vs 2019highest in 7 years
2021: €-15k▼ -164% vs 2020lowest in 7 years
2022: €18k▲ +224% vs 2021
2023: €10k▼ -46.1% vs 2022
2024: €85▼ -99.1% vs 2023
2018 → 2024
Working capital
€174k▲ 75.5%
2023 · €99k
2018: €90klowest in 7 years
2019: €119k▲ +31.5% vs 2018
2020: €110k▼ -6.9% vs 2019
2021: €96k▼ -12.7% vs 2020
2022: €140k▲ +45.0% vs 2021
2023: €99k▼ -28.9% vs 2022
2024: €174k▲ +75.5% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€15k€16k▲ 10.2%€18k▲ 13.7%€15k▼ 16.9%
2021: €15klowest in 4 years
2022: €16k▲ +10.2% vs 2021
2023: €18k▲ +13.7% vs 2022highest in 4 years
2024: €15k▼ -16.9% vs 2023
Equity€106k-€87k▼ 17.6%€102k▲ 16.9%€108k▲ 6.4%€107k▼ 1.5%
2020: €106k
2021: €87k▼ -17.6% vs 2020lowest in 5 years
2022: €102k▲ +16.9% vs 2021
2023: €108k▲ +6.4% vs 2022highest in 5 years
2024: €107k▼ -1.5% vs 2023
Operating result€24k-€-14k€19k€10k▼ 45.6%€768▼ 92.6%
2020: €24khighest in 5 years
2021: €-14k▼ -161% vs 2020lowest in 5 years
2022: €19k▲ +231% vs 2021
2023: €10k▼ -45.6% vs 2022
2024: €768▼ -92.6% vs 2023
Net result€23k-€-15k€18k€10k▼ 46.1%€85▼ 99.1%
2020: €23khighest in 5 years
2021: €-15k▼ -164% vs 2020lowest in 5 years
2022: €18k▲ +224% vs 2021
2023: €10k▼ -46.1% vs 2022
2024: €85▼ -99.1% vs 2023
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 93% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €275k
Fixed assets
€6k ▼ 59.7%
Current assets
€270k ▲ 21.3%
Equity and liabilities €275k
Equity
€107k ▼ 1.5%
Debt
€168k ▲ 32.0%
Debt's share of the balance-sheet total rises from 54.1% to 61.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€9k▼
2023 · €20k
Cash flow
€8k▼
2023 · €20k
Current ratio
2.82▲
2023 · 1.81
Debt to equity
1.58▲
2023 · 1.18
ROE
0.1%▼
2023 · 9.2%
ROA
0.0%▼
2023 · 4.2%
Interest coverage
11.74▼
2023 · 53.37
Debt ≤ 1 year
€96k▼
2023 · €123k
Staff costs
€659k▼
2023 · €663k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€236k€275k▲
Fixed assets21/28€14k€6k▼
Tangible fixed assets22/27€13k€5k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€11k€4k▼
Financial fixed assets28€420€420=
Current assets29/58€222k€270k▲
Amounts receivable within one year40/41€33k€43k▲
Trade receivables40€454-
Other amounts receivable41€33k€43k▲
Current investments50/53€129k€162k▲
Cash at bank and in hand54/58€54k€61k▲
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€236k€275k▲
Equity10/15€108k€107k▼
Reserves13€70k€70k=
Profit (loss) carried forward14€36k€36k▲
Investment grants15€3k€885▼
Amounts payable17/49€128k€168k▲
Amounts payable within one year42/48€123k€96k▼
Financial debts43€119€119=
Credit institutions430/8€119€119=
Trade debts44€6k€17k▲
Suppliers440/4€6k€17k▲
Taxes, remuneration and social security45€93k€66k▼
Taxes450/3€16k-
Remuneration and social security454/9€77k€66k▼
Accrued charges and deferred income492/3€5k€73k▲
Income statement
Code20232024
Turnover70€18k€15k▼
Goods, raw materials, services and sundry goods60/61€132k€119k▼
Remuneration, social security and pensions62€663k€659k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€100
Other operating charges640/8€31k€30▼
Non-recurring operating charges66A-€9
Gross operating margin9900€714k€668k▼
Operating profit (loss)9901€10k€768▼
Financial income75/76B-€78
Recurring financial income75-€78
Financial charges65/66B€380€761▲
Recurring financial charges65€380€761▲
Profit (loss) for the period before taxes9903€10k€85▼
Profit (loss) for the period9904€10k€85▼
Profit (loss) for the period to be appropriated9905€10k€85▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€36k▲
Profit (loss) brought forward from the previous period14P€26k€36k▲
Social balance
Average headcount (FTE)908710.311.1▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | €15k | €16k | €18k | €15k | ▼ 16.9% |
| Goods, raw materials, services and sundry goods60/61 | - | €101k | €118k | €132k | €119k | ▼ 9.4% |
| Remuneration, social security and pensions62 | - | €621k | €612k | €663k | €659k | ▼ 0.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €12k | €11k | €10k | €8k | ▼ 18.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €100 | - |
| Other operating charges640/8 | - | €608 | €14k | €31k | €30 | ▼ 99.9% |
| Non-recurring operating charges66A | - | €888 | €6k | - | €9 | - |
| Gross operating margin9900 | €633k | €620k | €661k | €714k | €668k | ▼ 6.5% |
| Operating profit (loss)9901 | €24k | €-14k | €19k | €10k | €768 | ▼ 92.6% |
| Financial income75/76B | - | €64 | - | - | €78 | - |
| Recurring financial income75 | €39 | €64 | - | - | €78 | - |
| Financial charges65/66B | - | €488 | €525 | €380 | €761 | ▲ 100% |
| Recurring financial charges65 | €530 | €488 | €525 | €380 | €761 | ▲ 100% |
| Profit (loss) for the period before taxes9903 | €23k | €-15k | €18k | €10k | €85 | ▼ 99.1% |
| Profit (loss) for the period9904 | €23k | €-15k | €18k | €10k | €85 | ▼ 99.1% |
| Profit (loss) for the period to be appropriated9905 | €23k | €-15k | €18k | €10k | €85 | ▼ 99.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €252k | €245k | €274k | €236k | €275k | ▲ 16.6% |
| Fixed assets21/28 | €42k | €34k | €24k | €14k | €6k | ▼ 59.7% |
| Intangible fixed assets21 | €508 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €41k | €34k | €23k | €13k | €5k | ▼ 61.6% |
| Plant, machinery and equipment23 | - | €8k | €5k | €2k | €1k | ▼ 34.5% |
| Furniture and vehicles24 | - | €26k | €18k | €11k | €4k | ▼ 67.0% |
| Financial fixed assets28 | €420 | €420 | €420 | €420 | €420 | = |
| Current assets29/58 | €210k | €211k | €251k | €222k | €270k | ▲ 21.3% |
| Amounts receivable within one year40/41 | €59k | €56k | €113k | €33k | €43k | ▲ 27.9% |
| Trade receivables40 | - | €283 | €4k | €454 | - | - |
| Other amounts receivable41 | - | €56k | €109k | €33k | €43k | ▲ 29.7% |
| Current investments50/53 | €68k | €68k | €68k | €129k | €162k | ▲ 25.9% |
| Cash at bank and in hand54/58 | €83k | €75k | €64k | €54k | €61k | ▲ 12.8% |
| Deferred charges and accrued income490/1 | - | €10k | €6k | €6k | €4k | ▼ 35.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €252k | €245k | €274k | €236k | €275k | ▲ 16.6% |
| Equity10/15 | €106k | €87k | €102k | €108k | €107k | ▼ 1.5% |
| Reserves13 | - | €70k | €70k | €70k | €70k | = |
| Profit (loss) carried forward14 | €22k | €7k | €26k | €36k | €36k | ▲ 0.2% |
| Investment grants15 | - | €10k | €6k | €3k | €885 | ▼ 65.8% |
| Amounts payable17/49 | €147k | €158k | €173k | €128k | €168k | ▲ 32.0% |
| Amounts payable within one year42/48 | €100k | €114k | €111k | €123k | €96k | ▼ 22.3% |
| Financial debts43 | - | €31 | €114 | €119 | €119 | = |
| Credit institutions430/8 | - | €31 | €114 | €119 | €119 | = |
| Trade debts44 | €35k | €4k | €13k | €6k | €17k | ▲ 186% |
| Suppliers440/4 | - | €4k | €13k | €6k | €17k | ▲ 186% |
| Taxes, remuneration and social security45 | - | €78k | €62k | €93k | €66k | ▼ 28.7% |
| Taxes450/3 | - | €15k | €15k | €16k | - | - |
| Remuneration and social security454/9 | - | €63k | €47k | €77k | €66k | ▼ 13.8% |
| Accrued charges and deferred income492/3 | - | €43k | €61k | €5k | €73k | ▲ 1,502% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23k | €-15k | €18k | €10k | €85 | ▼ 99.1% |
| + Depreciation and write-downs630 | €8k | €12k | €11k | €10k | €8k | ▼ 18.0% |
| Operating cash flow (approximation) | €31k | €-3k | €29k | €20k | €8k | ▼ 58.5% |
| Investment in fixed assets (approximation) | - | €-4k | €0 | €0 | €0 | - |
| Change in cash | - | €-7k | €-12k | €-9k | €7k | ▲ 173% |
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
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
Financial
Equity above €100kEq €102k ▲16.9%
Equity rises from €87k to €102k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €23k ▲203%
Operating result €24k, net result €23k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲52.8%
3 profitable years in a row build equity to €106k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Show earlier events
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
14-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Sint-Joost-ten-Node · 1 establishment unit since 1991
Ground area
177 m²
Building footprint
110 m²
Volume, LiDAR
1,632 m³
Parcel 21014A0191/00K004, Brussels · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Inser'action
since 19912.161.843.057
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21014A0191/00K004 | Brussels | 177 m² | 1 · 110 m² | 18.7 m · 5 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.
Public money · subsidies and aid
Wallonia-Brussels Federation
2021 to 2025 · 28 entries · 1,486,295 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 16 | 443,342 EUR |
| 2024 | 5 | 388,975 EUR |
| 2023 | 3 | 355,543 EUR |
| 2022 | 2 | 284,739 EUR |
| 2021 | 2 | 13,695 EUR |
Budget allocations
Subventions aux services d'actions en milieu ouvert
Subventions aux services d’actions en milieu ouvert
Soutien aux projets transversaux et locaux de promotion des droits culturels et de l'interculturalité
Soutien aux projets transversaux et locaux de promotion des droits culturels et de l'interculturalité - Subventions pluriannuelles
Fonds budgétaire destiné à subventionner des actions et des mesures d'aide à la jeunesse et de protection de la jeunesse
Show 1 more
Sub. - PV : EDD
Similar companies · same sector, comparable size
Centre d'accueil social Abbé Froidure - Centrum voor sociale opvang E.H. Froidure
BE 0416.080.609
Elsene · Eq €106,820
Prévention-Animations-Jeunesse de Woluwé-Saint-Pierre
BE 0878.696.175
Sint-Pieters-Woluwe · Eq €106,871
L'Ambulatoire - Forest
BE 0456.686.490
Vorst · Eq €105,946
S.O.S. Enfants Mons-Borinage
BE 0438.876.795
Mons · Eq €107,885
CENTRE DE PROMOTION HUMAINE-CLUB DE JEUNESSE DU NORD
BE 0408.271.911
Liège · Eq €107,889
Of 2,203 companies in sector 88999 we hold annual accounts for 802. 576 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded17-01-1991
Fiscal year end31-12
Activities, NACEBEL 2025
88999Other social work without accommodation
Scores and ratios are computed by Checked and are not a credit decision.