INSIEME

Active

Private limited companyfounded 20196 yrs activeHasseltsesteenweg 118, 3720 Hasselt, BelgiumKBO/BCE: BE 0739.931.044

Summary

INSIEME has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34,401 and a net result of €8,971. Equity is growing by ~165.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 5053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch Report Compare

INSIEMEActiveChecked score 68/100

Risk analysis Report Compare

Activity

Hairdressing and barber services

NACE 96210Hairdressing NACE 96021

1 site

Size

€72,331total assets 2025

Staff: 1 FTE
Equity: €34,401
Profit: €8,971

Turnover not published (abridged schema)

Financial health

68 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.9%

Structure

Accounts filed 28 d late0 of 2 deeds read

Why 68- Founded in 2019- Size: total assets €72,331- Liquidity: current ratio 0.72, cash €2,639+ Figures for FY 2025 (filed 28-08-2026)Show the evidence

Checked score

Score 2025

68 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 57% of its sector peers (NACE 96, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 73+9

equity 47.6% of total assets

Liquidity 32-5

short-term debt 46.5% · cash 3.6%

Profitability 84-7

return on assets 12.4%

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,525 companies)

Last 16 months 07-2025: 1.3% 08-2025: 1.8%▲ +42.0% vs 07-2025 09-2025: 1.2%▼ -34.3% vs 08-2025 10-2025: 1.2%● 0.0% vs 09-2025 11-2025: 1.2%● 0.0% vs 10-2025 12-2025: 1.2%▼ -2.5% vs 11-2025 01-2026: 1.2%▼ -1.0% vs 12-2025 02-2026: 1.2%● 0.0% vs 01-2026 03-2026: 1.0%▼ -13.3% vs 02-2026 04-2026: 1.1%▲ +9.6% vs 03-2026 05-2026: 1.0%▼ -4.9% vs 04-2026 06-2026: 1.0%▼ -2.0% vs 05-2026 07-2026: 1.1%▲ +6.6% vs 06-2026 08-2026: 1.9%▲ +70.9% vs 07-2026highest value 09-2026: 0.9%▼ -49.5% vs 08-2026lowest value 10-2026: 0.9%● 0.0% vs 09-2026lowest value

Founded in 2019 raises the probability for this profile
Size: total assets €72,331 raises the probability for this profile
Liquidity: current ratio 0.72, cash €2,639 raises the probability
Figures for FY 2025 (filed 28-08-2026) lowers the probability

Credit up to €2,000 at 30 days acceptable

Liquidity short (current ratio 0.72 against 0.38 in 2024; short-term debt: 46.5% and cash: 3.6% of total assets), and 52.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 66%, liquidity 24%, profitability 72%, growth against the median 64%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2019

In the bankruptcy model this factor raises the probability for this profile.

KBO

Size: total assets €72,331

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 0.72, cash €2,639

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Figures for FY 2025 (filed 28-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 6 filings

Deviation from the deadline

2025

28 d late

2024

28 d late

2023

29 d late

2022

29 d late

2021

5 d early

2020

2 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 18 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 28 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage