Insig
ActiveSummary
Insig has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €-31k. Equity is shrinking by ~23.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 22% of 2699 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability6▼-33
Solvency36▼-59
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 3.2 in 2024; short-term debt: 44.3% and cash: 43.9% of total assets), but 88.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% 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 2025Solvency, return and age of the figures
Solvency
11.5%
Return on assets
-9.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 2699 sector peers (2025).
NBB · sector comparisonPosition among 2699 sector peers
Solvency
better than 22%
← weakest
strongest →
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 09-06-2026, 52 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
52 d early
2024
13 d early
2023
28 d early
2022
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€36k▼ 76.7%
2024 · €153k
2022: €189khighest in 4 years
2023: €181k▼ -4.5% vs 2022
2024: €153k▼ -15.1% vs 2023
2025: €36k▼ -76.7% vs 2024lowest in 4 years
2022 → 2025
Total assets
€311k▲ 42.1%
2024 · €219k
2022: €215k
2023: €207k▼ -3.5% vs 2022lowest in 4 years
2024: €219k▲ +5.5% vs 2023
2025: €311k▲ +42.1% vs 2024highest in 4 years
2022 → 2025
Net result
€-31k
2024 · €22k
2022: €19k
2023: €2k▼ -91.1% vs 2022
2024: €22k▲ +1231% vs 2023highest in 4 years
2025: €-31k▼ -239% vs 2024lowest in 4 years
2022 → 2025
Working capital
€164k▲ 14.8%
2024 · €143k
2022: €185khighest in 4 years
2023: €175k▼ -5.5% vs 2022
2024: €143k▼ -18.2% vs 2023lowest in 4 years
2025: €164k▲ +14.8% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€189k-€181k▼ 4.5%€153k▼ 15.1%€36k▼ 76.7%
2022: €189khighest in 4 years
2023: €181k▼ -4.5% vs 2022
2024: €153k▼ -15.1% vs 2023
2025: €36k▼ -76.7% vs 2024lowest in 4 years
Operating result€100k-€82k▼ 17.8%€75k▼ 9.6%€-119k
2022: €100khighest in 4 years
2023: €82k▼ -17.8% vs 2022
2024: €75k▼ -9.6% vs 2023
2025: €-119k▼ -260% vs 2024lowest in 4 years
Net result€19k-€2k▼ 91.1%€22k▲ 1,231%€-31k
2022: €19k
2023: €2k▼ -91.1% vs 2022
2024: €22k▲ +1231% vs 2023highest in 4 years
2025: €-31k▼ -239% vs 2024lowest in 4 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €119k after €75k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €311k
Fixed assets
€9k ▼ 15.1%
Current assets
€302k ▲ 44.9%
Equity and liabilities €311k
Equity
€36k ▼ 76.7%
Debt
€275k ▲ 322%
Debt's share of the balance-sheet total rises from 29.8% to 88.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-118k▼
2024 · €76k
Cash flow
€-29k▼
2024 · €23k
Current ratio
2.19▼
2024 · 3.20
Debt to equity
7.70▲
2024 · 0.43
ROE
-86.4%▼
2024 · 14.5%
ROA
-9.9%▼
2024 · 10.2%
Interest coverage
-9.27▼
2024 · 0.87
Debt ≤ 1 year
€138k▲
2024 · €65k
Debt > 1 year
€137k
Income taxes
€697▼
2024 · €2k
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 · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€219k€311k▲
Fixed assets21/28€10k€9k▼
Tangible fixed assets22/27€7k€9k▲
Plant, machinery and equipment23€3k€4k▲
Other tangible fixed assets26€4k€4k=
Financial fixed assets28€3k-
Current assets29/58€208k€302k▲
Amounts receivable within one year40/41-€953
Other amounts receivable41-€953
Current investments50/53€150k€151k▲
Cash at bank and in hand54/58€40k€136k▲
Deferred charges and accrued income490/1€19k€13k▼
Equity and liabilities
Total equity and liabilities10/49€219k€311k▲
Equity10/15€153k€36k▼
Contributions10/11€20k€20k=
Reserves13€217k€131k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€215k€129k▼
Profit (loss) carried forward14€-84k€-115k▼
Amounts payable17/49€65k€275k▲
Amounts payable after more than one year17-€137k
Financial debts170/4-€137k
Amounts payable within one year42/48€65k€138k▲
Current portion of amounts payable after more than one year42-€36k
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€13k€14k▲
Other amounts payable47/48€47k€83k▲
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€186€208▲
Gross operating margin9900€76k€-118k▼
Operating profit (loss)9901€75k€-119k▼
Financial income75/76B€37k€102k▲
Recurring financial income75€37k€102k▲
Financial charges65/66B€87k€13k▼
Recurring financial charges65€87k€13k▼
Profit (loss) for the period before taxes9903€24k€-30k▼
Income taxes67/77€2k€697▼
Profit (loss) for the period9904€22k€-31k▼
Profit (loss) for the period to be appropriated9905€22k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-61k€-115k▼
Profit (loss) brought forward from the previous period14P€-84k€-84k=
Transfer from equity791/2€49k€87k▲
Transfer to equity691/2€21k-
To other reserves6921€21k-
Profit to be distributed694/7€49k€87k▲
Return on contributions (dividend)694€49k€87k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €933 | €1k | €1k | €2k | ▲ 26.0% |
| Other operating charges640/8 | €936 | €232 | €186 | €208 | ▲ 11.8% |
| Gross operating margin9900 | €102k | €84k | €76k | €-118k | ▼ 255% |
| Operating profit (loss)9901 | €100k | €82k | €75k | €-119k | ▼ 260% |
| Financial income75/76B | €139 | €15k | €37k | €102k | ▲ 177% |
| Recurring financial income75 | €139 | €15k | €37k | €102k | ▲ 177% |
| Financial charges65/66B | €73k | €96k | €87k | €13k | ▼ 85.4% |
| Recurring financial charges65 | €73k | €96k | €87k | €13k | ▼ 85.4% |
| Profit (loss) for the period before taxes9903 | €27k | €2k | €24k | €-30k | ▼ 223% |
| Income taxes67/77 | €9k | €227 | €2k | €697 | ▼ 69.1% |
| Profit (loss) for the period9904 | €19k | €2k | €22k | €-31k | ▼ 239% |
| Profit (loss) for the period to be appropriated9905 | €19k | €2k | €22k | €-31k | ▼ 239% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €215k | €207k | €219k | €311k | ▲ 42.1% |
| Fixed assets21/28 | €5k | €6k | €10k | €9k | ▼ 15.1% |
| Tangible fixed assets22/27 | €2k | €2k | €7k | €9k | ▲ 22.1% |
| Plant, machinery and equipment23 | €2k | €2k | €3k | €4k | ▲ 54.4% |
| Other tangible fixed assets26 | - | - | €4k | €4k | = |
| Financial fixed assets28 | €3k | €3k | €3k | - | - |
| Current assets29/58 | €209k | €202k | €208k | €302k | ▲ 44.9% |
| Amounts receivable within one year40/41 | €7k | €773 | - | €953 | - |
| Other amounts receivable41 | €7k | €773 | - | €953 | - |
| Current investments50/53 | - | - | €150k | €151k | ▲ 0.9% |
| Cash at bank and in hand54/58 | €194k | €190k | €40k | €136k | ▲ 244% |
| Deferred charges and accrued income490/1 | €8k | €11k | €19k | €13k | ▼ 29.9% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €215k | €207k | €219k | €311k | ▲ 42.1% |
| Equity10/15 | €189k | €181k | €153k | €36k | ▼ 76.7% |
| Contributions10/11 | €20k | €20k | €20k | €20k | = |
| Reserves13 | €254k | €245k | €217k | €131k | ▼ 39.9% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €252k | €243k | €215k | €129k | ▼ 40.3% |
| Profit (loss) carried forward14 | €-85k | €-84k | €-84k | €-115k | ▼ 36.8% |
| Amounts payable17/49 | €26k | €27k | €65k | €275k | ▲ 322% |
| Amounts payable after more than one year17 | - | - | - | €137k | - |
| Financial debts170/4 | - | - | - | €137k | - |
| Amounts payable within one year42/48 | €24k | €27k | €65k | €138k | ▲ 111% |
| Current portion of amounts payable after more than one year42 | - | - | - | €36k | - |
| Trade debts44 | €13k | €7k | €6k | €5k | ▼ 10.7% |
| Suppliers440/4 | €13k | €7k | €6k | €5k | ▼ 10.7% |
| Taxes, remuneration and social security45 | €10k | €10k | €13k | €14k | ▲ 7.8% |
| Taxes450/3 | €10k | €10k | €13k | €14k | ▲ 7.8% |
| Other amounts payable47/48 | €628 | €10k | €47k | €83k | ▲ 76.4% |
| Accrued charges and deferred income492/3 | €1k | - | - | €400 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19k | €2k | €22k | €-31k | ▼ 239% |
| + Depreciation and write-downs630 | €933 | €1k | €1k | €2k | ▲ 26.0% |
| Operating cash flow (approximation) | €20k | €3k | €23k | €-29k | ▼ 225% |
| Investment in fixed assets (approximation) | - | €-2k | €-6k | €-17 | ▲ 99.7% |
| Change in cash | - | €-5k | €-150k | €97k | ▲ 164% |
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
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2022net €22k ▲1,231%
Net result €22k, the highest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2008
Ground area
496 m²
Building footprint
73 m²
Volume, LiDAR
728 m³
Parcel 11313B1082/00W000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Insig
since 20082.168.476.174
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11313B1082/00W000 | Flanders | 496 m² | 1 · 73 m² | 12.8 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900GB949Q55F03N04
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,731 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-01-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Contact
Phone
0498/71.60.82Antwerpen
Scores and ratios are computed by Checked and are not a credit decision.