INSIGHT
ActiveSummary
INSIGHT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €35k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 12% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+42
Solvency30▲+5
Growth52▲+30
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.24 in 2024; short-term debt: 48.2% and cash: 0.2% of total assets), and 95.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
4.9%
Return on assets
5%
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 12% of 9494 sector peers (2025).
NBB · sector comparisonPosition among 9494 sector peers
Solvency
better than 12%
← 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 29-05-2026, 63 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
63 d early
2024
2 d early
2023
13 d early
2022
28 d late
2021
24 d late
2020
30 d late
2019
74 d late
← 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, micro schema
Turnover
€535k▼ 39.1%
2018 · €878k
2018: €878k
2019: €535k▼ -39.1% vs 2018
2018 → 2019
EBIT margin
0.6%▲ 0.3pp
2018 · 0.3%
2018: 0.3%
2019: 0.6%▲ +104% vs 2018
2018 → 2019
Net result
€35k
2024 · €-35k
2018: €-2k
2019: €2k▲ +210% vs 2018
2020: €-1k▼ -161% vs 2019
2021: €9k▲ +801% vs 2020
2022: €1k▼ -83.8% vs 2021
2023: €8k▲ +436% vs 2022
2024: €-35k▼ -547% vs 2023lowest in 8 years
2025: €35k▲ +200% vs 2024highest in 8 years
2018 → 2025
Working capital
€-244k▼ 13.5%
2024 · €-215k
2018: €33k
2019: €26k▼ -20.6% vs 2018
2020: €76k▲ +192% vs 2019
2021: €39k▼ -49.3% vs 2020
2022: €80k▲ +106% vs 2021highest in 8 years
2023: €15k▼ -80.6% vs 2022
2024: €-215k▼ -1491% vs 2023
2025: €-244k▼ -13.5% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€27k▲ 5.8%€34k▲ 29.5%€-639€34k
2021: €25k
2022: €27k▲ +5.8% vs 2021
2023: €34k▲ +29.5% vs 2022highest in 5 years
2024: €-639▼ -102% vs 2023lowest in 5 years
2025: €34k▲ +5486% vs 2024
Operating result€16k-€10k▼ 40.5%€20k▲ 109%€-26k€48k
2021: €16k
2022: €10k▼ -40.5% vs 2021
2023: €20k▲ +109% vs 2022
2024: €-26k▼ -226% vs 2023lowest in 5 years
2025: €48k▲ +287% vs 2024highest in 5 years
Net result€9k-€1k▼ 83.8%€8k▲ 436%€-35k€35k
2021: €9k
2022: €1k▼ -83.8% vs 2021
2023: €8k▲ +436% vs 2022
2024: €-35k▼ -547% vs 2023lowest in 5 years
2025: €35k▲ +200% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €48k after a loss of €26k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €707k
Fixed assets
€610k ▲ 5.3%
Current assets
€97k ▲ 45.2%
Equity and liabilities €707k
Equity
€34k
Debt
€672k
Debt finances 95.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€106k▲
2024 · €25k
Cash flow
€93k▲
2024 · €16k
Current ratio
0.28▲
2024 · 0.24
Quick ratio
0.25▲
2024 · 0.20
Debt to equity
19.54
ROE
101.9%
ROA
5.0%▲
2024 · -5.4%
Interest coverage
8.84▲
2024 · 2.51
Debt ≤ 1 year
€340k▲
2024 · €281k
Debt > 1 year
€332k▼
2024 · €365k
Income taxes
€3k▲
2024 · €482
Staff costs
€-9▼
2024 · €617
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 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€646k€707k▲
Fixed assets21/28€579k€610k▲
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€573k€606k▲
Land and buildings22€498k€554k▲
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€71k€46k▼
Financial fixed assets28€1k€1k=
Current assets29/58€67k€97k▲
Stocks and contracts in progress3€11k€12k▲
Stocks30/36€11k€12k▲
Amounts receivable within one year40/41€46k€82k▲
Trade receivables40€44k€80k▲
Other amounts receivable41€2k€3k▲
Current investments50/53€17-
Cash at bank and in hand54/58€9k€2k▼
Deferred charges and accrued income490/1€328€804▲
Equity and liabilities
Total equity and liabilities10/49€646k€707k▲
Equity10/15€-639€34k▲
Contributions10/11€12k€12k=
Reserves13€9k€9k=
Non-distributable reserves130/1€185€0▼
Reserves not available under the articles1311€185€0▼
Distributable reserves133€9k€9k▲
Profit (loss) carried forward14€-22k€13k▲
Amounts payable17/49€646k€672k▲
Amounts payable after more than one year17€365k€332k▼
Financial debts170/4€365k€332k▼
Amounts payable within one year42/48€281k€340k▲
Current portion of amounts payable after more than one year42€40k€35k▼
Financial debts43€75€134▲
Credit institutions430/8€75-
Other loans439-€134
Trade debts44€36k€78k▲
Suppliers440/4€36k€78k▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€15k€3k▼
Remuneration and social security454/9-€10k
Other amounts payable47/48€191k€215k▲
Accrued charges and deferred income492/3€277-
Income statement
Code20242025
Remuneration, social security and pensions62€617€-9▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€58k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A-€504
Gross operating margin9900€28k€109k▲
Operating profit (loss)9901€-26k€48k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€10k€12k▲
Recurring financial charges65€10k€12k▲
Profit (loss) for the period before taxes9903€-35k€38k▲
Income taxes67/77€482€3k▲
Profit (loss) for the period9904€-35k€35k▲
Profit (loss) for the period to be appropriated9905€-35k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€13k▲
Profit (loss) brought forward from the previous period14P-€-22k
Transfer from equity791/2€13k€0▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €4k | €5k | €2k | €617 | €-9 | ▼ 102% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14k | €22k | €33k | €51k | €58k | ▲ 13.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €22k | - | - | - |
| Other operating charges640/8 | €4k | €31k | €4k | €2k | €3k | ▲ 10.9% |
| Non-recurring operating charges66A | - | - | - | - | €504 | - |
| Gross operating margin9900 | €38k | €68k | €82k | €28k | €109k | ▲ 285% |
| Operating profit (loss)9901 | €16k | €10k | €20k | €-26k | €48k | ▲ 287% |
| Financial income75/76B | €745 | €618 | €295 | €1k | €2k | ▲ 23.1% |
| Recurring financial income75 | €745 | €618 | €295 | €1k | €2k | ▲ 23.1% |
| Financial charges65/66B | €3k | €8k | €9k | €10k | €12k | ▲ 18.3% |
| Recurring financial charges65 | €3k | €8k | €9k | €10k | €12k | ▲ 18.3% |
| Profit (loss) for the period before taxes9903 | €14k | €2k | €12k | €-35k | €38k | ▲ 209% |
| Income taxes67/77 | €5k | €690 | €4k | €482 | €3k | ▲ 424% |
| Profit (loss) for the period9904 | €9k | €1k | €8k | €-35k | €35k | ▲ 200% |
| Profit (loss) for the period to be appropriated9905 | €9k | €1k | €8k | €-35k | €35k | ▲ 200% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €137k | €472k | €521k | €646k | €707k | ▲ 9.4% |
| Fixed assets21/28 | €32k | €270k | €393k | €579k | €610k | ▲ 5.3% |
| Intangible fixed assets21 | €4k | €4k | €6k | €4k | €2k | ▼ 45.1% |
| Tangible fixed assets22/27 | €28k | €267k | €387k | €573k | €606k | ▲ 5.7% |
| Land and buildings22 | €9k | €235k | €284k | €498k | €554k | ▲ 11.3% |
| Plant, machinery and equipment23 | €645 | €3k | €5k | €4k | €5k | ▲ 26.7% |
| Furniture and vehicles24 | €18k | €29k | €98k | €71k | €46k | ▼ 35.0% |
| Financial fixed assets28 | - | - | - | €1k | €1k | = |
| Current assets29/58 | €105k | €201k | €128k | €67k | €97k | ▲ 45.2% |
| Stocks and contracts in progress3 | €50k | €37k | €13k | €11k | €12k | ▲ 8.4% |
| Stocks30/36 | €50k | €37k | €13k | €11k | €12k | ▲ 8.4% |
| Amounts receivable within one year40/41 | €55k | €27k | €26k | €46k | €82k | ▲ 77.2% |
| Trade receivables40 | €45k | €19k | €21k | €44k | €80k | ▲ 80.3% |
| Other amounts receivable41 | €9k | €8k | €5k | €2k | €3k | ▲ 13.6% |
| Current investments50/53 | - | €10k | €10k | €17 | - | - |
| Cash at bank and in hand54/58 | - | €115k | €78k | €9k | €2k | ▼ 80.6% |
| Deferred charges and accrued income490/1 | €753 | €13k | €536 | €328 | €804 | ▲ 145% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €137k | €472k | €521k | €646k | €707k | ▲ 9.4% |
| Equity10/15 | €25k | €27k | €34k | €-639 | €34k | ▲ 5,486% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €11k | €10k | €22k | €9k | €9k | = |
| Non-distributable reserves130/1 | €185 | €185 | €185 | €185 | €0 | ▼ 100% |
| Reserves not available under the articles1311 | €185 | €185 | €185 | €185 | €0 | ▼ 100% |
| Distributable reserves133 | €11k | €10k | €22k | €9k | €9k | ▲ 2.0% |
| Profit (loss) carried forward14 | €2k | €4k | - | €-22k | €13k | ▲ 157% |
| Amounts payable17/49 | €112k | €445k | €486k | €646k | €672k | ▲ 4.0% |
| Amounts payable after more than one year17 | €46k | €308k | €362k | €365k | €332k | ▼ 9.0% |
| Financial debts170/4 | €46k | €308k | €362k | €365k | €332k | ▼ 9.0% |
| Amounts payable within one year42/48 | €66k | €122k | €112k | €281k | €340k | ▲ 21.0% |
| Current portion of amounts payable after more than one year42 | €14k | €15k | €22k | €40k | €35k | ▼ 12.8% |
| Financial debts43 | €13k | €448 | €124 | €75 | €134 | ▲ 78.9% |
| Credit institutions430/8 | €13k | €448 | €124 | €75 | - | - |
| Other loans439 | - | - | - | - | €134 | - |
| Trade debts44 | €11k | €27k | €48k | €36k | €78k | ▲ 119% |
| Suppliers440/4 | €11k | €27k | €48k | €36k | €78k | ▲ 119% |
| Taxes, remuneration and social security45 | €18k | €43k | €38k | €15k | €12k | ▼ 17.6% |
| Taxes450/3 | €17k | €41k | €29k | €15k | €3k | ▼ 83.1% |
| Remuneration and social security454/9 | €384 | €2k | €8k | - | €10k | - |
| Other amounts payable47/48 | €10k | €37k | €5k | €191k | €215k | ▲ 12.8% |
| Accrued charges and deferred income492/3 | - | €15k | €12k | €277 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €1k | €8k | €-35k | €35k | ▲ 200% |
| + Depreciation and write-downs630 | €14k | €22k | €33k | €51k | €58k | ▲ 13.9% |
| Operating cash flow (approximation) | €23k | €24k | €41k | €16k | €93k | ▲ 480% |
| Investment in fixed assets (approximation) | - | €-260k | €-156k | €-237k | €-89k | ▲ 62.4% |
| Change in cash | - | - | €-36k | €-70k | €-7k | ▲ 89.8% |
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
13-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 74 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
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, Wellen · 1 establishment unit since 2017
Ground area
832 m²
Building footprint
256 m²
Volume, LiDAR
1,289 m³
Parcel 73098D0658/00M000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INSIGHT
since 20172.268.831.681
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73098D0658/00M000 | Flanders | 832 m² | 1 · 255 m² | 8.1 m · 2 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
Flemish government
2023 to 2025 · 2 entries · 511 EUR awarded · 175 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 336 EUR | 0 EUR |
| 2023 | 1 | 175 EUR | 175 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,923 companies in sector 71112 we hold annual accounts for 1,294. 1,053 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
Founded03-10-2017
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
47551Retail sale of household furniture
47559Retail sale of other household articles
Contact
E-mail
info@buro3d.be
E-mail
info@insightprojects.be
Phone
011225008
Scores and ratios are computed by Checked and are not a credit decision.