InsighT 8
ActiveInsighT 8 has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €368k. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 20% of 2685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency35=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.99 in 2024; short-term debt: 90.1% and cash: 0.9% of total assets), and 90.1% 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
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 · 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
9.9%
Return on assets
74.7%
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 20% of 2685 sector peers (2025).
NBB · sector comparisonPosition among 2685 sector peers
Solvency
better than 20%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €49k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
7 d late
2024
28 d early
2023
23 d early
2022
18 d early
2021
23 d early
2020
30 d late
2019
28 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€49k▲ 50.0%
2024 · €32k
2018: €65k
2019: €160k
2020: €27k
2021: €155k
2022: €32k
2023: €32k
2024: €32k
2018 → 2025
Total assets
€492k▲ 51.3%
2024 · €325k
2018: €98k
2019: €245k
2020: €402k
2021: €192k
2022: €206k
2023: €304k
2024: €325k
2018 → 2025
Net result
€368k▲ 51.6%
2024 · €243k
2018: €14k
2019: €95k
2020: €187k
2021: €128k
2022: €29k
2023: €204k
2024: €243k
2018 → 2025
Working capital
€21k
2024 · €-2k
2018: €73k
2019: €159k
2020: €27k
2021: €158k
2022: €25k
2023: €12k
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€155k-€32k▼ 79.1%€32k=€32k=€49k▲ 50.0%
Operating result€174k-€38k▼ 78.1%€268k▲ 604%€319k▲ 18.9%€476k▲ 49.2%
Net result€128k-€29k▼ 77.7%€204k▲ 613%€243k▲ 18.9%€368k▲ 51.6%
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 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€28k▼ 19.7%
Current assets
€465k▲ 59.8%
Equity and liabilities €492k
Equity
€49k▲ 50.0%
Debt
€444k▲ 51.5%
The debt ratio rises from 90.1% to 90.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€483k▲
2024 · €325k
Cash flow
€374k▲
2024 · €248k
Solvency
9.9%▼
2024 · 9.9%
Current ratio
1.05▲
2024 · 0.99
Quick ratio
1.05▲
2024 · 0.99
Debt / equity
9.14▲
2024 · 9.05
ROE
757.6%▲
2024 · 749.6%
ROA
74.7%▲
2024 · 74.6%
Interest coverage
571.56▲
2024 · 320.89
Debt
€444k▲
2024 · €293k
Debt ≤ 1 year
€444k▲
2024 · €293k
Income taxes
€110k▲
2024 · €76k
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€325k€492k▲
Fixed assets21/28€34k€28k▼
Tangible fixed assets22/27€34k€28k▼
Plant, machinery and equipment23€950€307▼
Furniture and vehicles24€33k€27k▼
Current assets29/58€291k€465k▲
Amounts receivable within one year40/41€184k€458k▲
Trade receivables40€172k€436k▲
Other amounts receivable41€13k€22k▲
Cash at bank and in hand54/58€105k€5k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€325k€492k▲
Equity10/15€32k€49k▲
Contributions10/11€19k€19k=
Reserves13-€16k
Distributable reserves133-€16k
Profit (loss) carried forward14€14k€14k=
Amounts payable17/49€293k€444k▲
Amounts payable within one year42/48€293k€444k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€13k€13k▲
Suppliers440/4€13k€13k▲
Taxes, remuneration and social security45€38k€129k▲
Taxes450/3€38k€129k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€243k€302k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€327k€484k▲
Operating profit (loss)9901€319k€476k▲
Financial income75/76B€195€2k▲
Recurring financial income75€195€2k▲
Financial charges65/66B€1k€845▼
Recurring financial charges65€1k€845▼
Profit (loss) for the period before taxes9903€318k€478k▲
Income taxes67/77€76k€110k▲
Profit (loss) for the period9904€243k€368k▲
Profit (loss) for the period to be appropriated9905€243k€368k▲
Appropriation of the result
Profit (loss) to be appropriated9906€256k€381k▲
Profit (loss) brought forward from the previous period14P€14k€14k=
Transfer from equity791/2€243k€0▼
Transfer to equity691/2€243k€16k▼
To other reserves6921€243k€16k▼
Profit to be distributed694/7€243k€352k▲
Return on contributions (dividend)694€243k€330k▲
Directors or managers695-€22k
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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
31-12
Financial
Highest result since 2018net €368k ▲51.6%
Operating result €476k, net result €368k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity times 6current ratio 6.68
Current ratio from 1.07 to 6.68; short-term debt falls from €367k to €28k.
31-12
Financial
Equity above €150kEq €155k ▲478%
4 profitable years in a row build equity to €155k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €150kEq €160k ▲145%
2 profitable years in a row build equity to €160k.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Londerzeel · 1 establishment unit since 2016
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.
Pilatusveld 71840 LonderzeelGround area
890 m²
Building footprint
213 m²
Volume, LiDAR
980 m³
Parcel 23045D0386/00E002, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Insight 8 Consultancy
since 20162.255.621.271
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23045D0386/00E002 | Flanders | 890 m² | 1 · 213 m² | 6.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,447 EUR awarded · 2,447 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,447 EUR | 2,447 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Encode Labs
BE 0597.815.255
Gent · Eq €49k
RSD SERVICES
BE 0678.458.184
Hoogstraten · Eq €49k
Cinnamon Data
BE 1019.066.261
Duffel · Eq €48k
Duo Consilio
BE 0677.947.054
Zonhoven · Eq €48k
FRAMIFY
BE 0798.582.786
Brussel · Eq €48k
Of 16,886 companies in sector 62100 we hold annual accounts for 8,776. 6,812 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2016
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.