INSIEME
ActiveINSIEME has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €11k. Equity is shrinking by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 63% of 6963 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +29 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+22
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 1.53 in 2024), and 31.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
68.5%
Return on assets
24.6%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €30k
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
37 d early
2023
15 d early
2022
23 d late
2021
53 d late
2020
27 d late
2019
1 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 56.0%
2024 · €19k
2018: €65k
2019: €74k
2020: €87k
2021: €88k
2022: €58k
2023: €20k
2024: €19k
2018 → 2025
Total assets
€44k▲ 0.6%
2024 · €44k
2018: €79k
2019: €104k
2020: €110k
2021: €104k
2022: €79k
2023: €52k
2024: €44k
2018 → 2025
Net result
€11k
2024 · €-171
2018: €3k
2019: €9k
2020: €13k
2021: €16k
2022: €-30k
2023: €-26k
2024: €-171
2018 → 2025
Working capital
€27k▲ 105%
2024 · €13k
2018: €5k
2019: €26k
2020: €51k
2021: €60k
2022: €43k
2023: €10k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€58k▼ 33.6%€20k▼ 66.5%€19k▼ 0.9%€30k▲ 56.0%
Operating result€24k-€-30k€-25k▲ 16.3%€571€13k▲ 2,171%
Net result€16k-€-30k€-26k▲ 11.2%€-171▲ 99.3%€11k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 2,171% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€4k▼ 42.3%
Current assets
€40k▲ 8.0%
Equity and liabilities €44k
Equity
€30k▲ 56.0%
Debt
€14k▼ 43.3%
The debt ratio falls from 55.8% to 31.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€16k▲
2024 · €7k
Cash flow
€14k▲
2024 · €6k
Solvency
68.5%▲
2024 · 44.2%
Current ratio
2.91▲
2024 · 1.53
Quick ratio
2.91▲
2024 · 1.53
Debt / equity
0.46▼
2024 · 1.26
ROE
35.9%▲
2024 · -0.9%
ROA
24.6%▲
2024 · -0.4%
Interest coverage
34.33▲
2024 · 14.61
Debt
€14k▼
2024 · €25k
Debt ≤ 1 year
€14k▼
2024 · €25k
Income taxes
€2k▲
2024 · €282
Staff costs
€51k▲
2024 · €50k
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€44k€44k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€6k€3k▼
Other tangible fixed assets26€854€427▼
Current assets29/58€37k€40k▲
Amounts receivable within one year40/41€8k€39k▲
Trade receivables40€1k€39k▲
Other amounts receivable41€6k€0▼
Cash at bank and in hand54/58€29k€0▼
Deferred charges and accrued income490/1€504€2k▲
Equity and liabilities
Total equity and liabilities10/49€44k€44k▲
Equity10/15€19k€30k▲
Contributions10/11€6k€6k=
Reserves13€69k€69k=
Distributable reserves133€69k€69k=
Profit (loss) carried forward14€-56k€-45k▲
Amounts payable17/49€25k€14k▼
Amounts payable within one year42/48€25k€14k▼
Financial debts43-€427
Credit institutions430/8-€427
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€17k€10k▼
Taxes450/3€12k€5k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€50k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€841€831▼
Gross operating margin9900€57k€68k▲
Operating profit (loss)9901€571€13k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€460€458▼
Recurring financial charges65€460€458▼
Profit (loss) for the period before taxes9903€111€13k▲
Income taxes67/77€282€2k▲
Profit (loss) for the period9904€-171€11k▲
Profit (loss) for the period to be appropriated9905€-171€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-56k€-45k▲
Profit (loss) brought forward from the previous period14P€-56k€-56k▼
Transfer from equity791/2€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (6 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after 3 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €-30k ▼281%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
2021
31-12
Financial
Highest result since 2018net €16k ▲30%
Operating result €24k, net result €16k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 42 days late
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 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, Balen · 1 establishment unit since 2002
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.
St.-Rochusstraat 502490 BalenGround area
2,768 m²
Building footprint
293 m²
Volume, LiDAR
1,827 m³
Parcel 13003D0364/00C000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INSIEME
since 20022.114.697.295
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003D0364/00C000 | Flanders | 2,767 m² | 1 · 293 m² | 11.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
SYMTEK SOLUTIONS
BE 0783.619.547
Herstal · Eq €30k
Nipari
BE 1002.646.933
Pajottegem · Eq €30k
LOMER IT
BE 0776.840.732
Nijlen · Eq €30k
BLACKSTONE MANAGEMENT
BE 0692.983.539
Sint-Jans-Molenbeek · Eq €30k
BETTER BRIDGE
BE 0788.415.505
Bastogne · Eq €30k
Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 14,215 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2002
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
92313
70200Business and other management consultancy
70220Business consulting
85599Other education
90393Specialised image, lighting and sound technical services
90032Arts creation and performing arts activities
90311Arts creation and performing arts activities
90120Visual arts creation
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.