INSER'NET
ActiveINSER'NET has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €896k and a net result of €-270k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 69% of 1043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-8
Solvency81▼-11
Growth37▼-6
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 3.9 in 2024; short-term debt: 35.7% and cash: 39.6% of total assets), and 44.5% 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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-270k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
13 d early
2023
15 d early
2022
7 d early
2021
3 d early
2020
26 d early
2019
28 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, abbreviated schema
Turnover
€2.84M▲ 38.3%
2020 · €2.05M
2018: €2.18M
2019: €2.17M
2020: €2.05M
2018 → 2025
EBIT margin
-9.4%▼ 12.0pp
2020 · 2.5%
2018: 2.3%
2019: 5.9%
2020: 2.5%
2018 → 2025
Net result
€-270k▼ 76.2%
2024 · €-153k
2018: €44k
2019: €125k
2020: €49k
2021: €68k
2022: €17k
2023: €14k
2024: €-153k
2018 → 2025
Working capital
€863k▼ 23.0%
2024 · €1.12M
2018: €1.33M
2019: €1.46M
2020: €1.52M
2021: €1.62M
2022: €1.43M
2023: €1.22M
2024: €1.12M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.84M
Equity€1.29M-€1.30M▲ 1.3%€1.32M▲ 1.1%€1.17M▼ 11.6%€896k▼ 23.1%
Operating result€72k-€21k▼ 71.3%€16k▼ 24.4%€-154k€-268k▼ 74.1%
Net result€68k-€17k▼ 74.4%€14k▼ 16.9%€-153k€-270k▼ 76.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €268k in 2025 against €154k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.61M
Fixed assets
€175k▼ 24.4%
Current assets
€1.44M▼ 4.5%
Equity and liabilities €1.61M
Equity
€896k▼ 23.1%
Debt
€719k▲ 25.4%
The debt ratio rises from 33.0% to 44.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-212k▼
2024 · €-72k
Cash flow
€-213k▼
2024 · €-71k
Solvency
55.5%▼
2024 · 67.0%
Current ratio
2.50▼
2024 · 3.90
Quick ratio
2.50▼
2024 · 3.90
Debt / equity
0.80▲
2024 · 0.49
ROE
-30.1%▼
2024 · -13.1%
ROA
-16.7%▼
2024 · -8.8%
Interest coverage
-93.68▼
2024 · -55.58
Debt
€719k▲
2024 · €573k
Debt ≤ 1 year
€577k▲
2024 · €387k
Debt > 1 year
€142k▼
2024 · €186k
Income taxes
€2k▲
2024 · €1k
Staff costs
€3.32M▲
2024 · €3.11M
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€1.74M€1.61M▼
Fixed assets21/28€232k€175k▼
Intangible fixed assets21€105k€69k▼
Tangible fixed assets22/27€121k€101k▼
Land and buildings22€106k€91k▼
Furniture and vehicles24€15k€10k▼
Financial fixed assets28€5k€5k▼
Current assets29/58€1.51M€1.44M▼
Amounts receivable within one year40/41€611k€762k▲
Trade receivables40€474k€592k▲
Other amounts receivable41€137k€170k▲
Cash at bank and in hand54/58€873k€640k▼
Deferred charges and accrued income490/1€23k€38k▲
Equity and liabilities
Total equity and liabilities10/49€1.74M€1.61M▼
Equity10/15€1.17M€896k▼
Contributions10/11€821k€821k=
Reserves13€495k€495k=
Tax-exempt reserves132€495k€495k=
Profit (loss) carried forward14€-150k€-420k▼
Amounts payable17/49€573k€719k▲
Amounts payable after more than one year17€186k€142k▼
Financial debts170/4€11k€7k▼
Other amounts payable178/9€175k€134k▼
Amounts payable within one year42/48€387k€577k▲
Current portion of amounts payable after more than one year42€4k€4k=
Financial debts43-€152k
Credit institutions430/8-€152k
Trade debts44€36k€47k▲
Suppliers440/4€36k€47k▲
Taxes, remuneration and social security45€296k€327k▲
Taxes450/3€16k€18k▲
Remuneration and social security454/9€280k€309k▲
Other amounts payable47/48€51k€47k▼
Income statement
Code20242025
Turnover70-€2.84M
Non-recurring operating income76A-€9k
Goods, raw materials, services and sundry goods60/61-€169k
Remuneration, social security and pensions62€3.11M€3.32M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€82k€56k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€58k€-42k▼
Other operating charges640/8€75k€29k▼
Non-recurring operating charges66A€17k€11k▼
Gross operating margin9900€3.18M€3.11M▼
Operating profit (loss)9901€-154k€-268k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-152k€-268k▼
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€-153k€-270k▼
Profit (loss) for the period to be appropriated9905€-153k€-270k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-153k€-420k▼
Profit (loss) brought forward from the previous period14P-€-150k
Transfer from equity791/2€3k-
Social balance
Average headcount (FTE)9087115.7122.0▲
The notes to these accounts (14 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-270k
Net result drops to €-270k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €125k ▲180%
Operating result €129k, net result €125k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 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, Flémalle · 2 establishment units since 2015
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.
Grand'Route(Flh) 2314400 FlémalleGround area
713 m²
Building footprint
115 m²
Volume, LiDAR
1,446 m³
2 parcels, Wallonia · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Propr'éclair
since 20152.242.544.780
Propr'éclair bureau de Liège
since 20232.347.309.631
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62037B0200/00N002 | Wallonia | 606 m² | 1 · 45 m² | 9.1 m · 3 fl. |
| 62805B0470/00Y002 | Wallonia | 107 m² | 1 · 70 m² | 18.7 m · 5 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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Of 810 companies in sector 96910 we hold annual accounts for 618. 329 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded22-05-2015
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.