Equity
€3.5m ▲ 409%
Equity rose in 2025 from €681,871 to €3.5m.
INSIGHT O&O
Lifetime
18 annual accounts with figures on one time axispeak €327,917 (2017)
€136,228▼ 6.2%
lowest -€109,873 (2023)
-€67,246▲ €35
peak €3.5m (2025)
€3.5m▲ 409%
€1.2m▲ 1.5%
Board2 names since 2007
2 directorsVAN ESBROECK Alda and 1 other
Documentsfilings and deeds
23-04-20267 days before the deadline
2025micro format
Loss of €67,246Equity from €681,871 to €3.5mInvestments €2.9mCash from €51,980 to €119,669
Key points
from the 2025 annual accountsLosses
-€325,020 in five years
Every financial year from 2021 to 2025 closed with a loss. 2023 was the heaviest.
Investments
€38,852 0.2 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 157.9% higher than in 2024.
Liquidity
0.82 was 0.40 in 2024
Short-term debts rose from €157,052 to €160,642.
Filings
18 annual accounts since 2008
The last five annual accounts were filed 7 to 34 days before the end of the period.
Position in the sector
-€67,246
Lower net result than 95% of companies in head offices and management consultancy. Sector median €27,138 · 39,380 companies.
Checked score
96
Excellent
Financially stronger than 68% of small companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 4,522 companies (NACE 70, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026highest value
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 0.82, cash €119,669
lowers risk
Size: total assets €4.7m
Figures for financial year 2025 (filed on 25-04-2026)
Sector: Activities of head offices; management consultancy activities (NACE 70)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, small). It does better than 70% of them on solvency, 66% on liquidity, 40% on profitability and 98% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,686 companies had the same profile as INSIGHT O&O has now. Each dot stands for 7 companies, two years later.
93.7%
were still trading
5.4%
stopped another way
0.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of INSIGHT O&O itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,686 companies, not a prediction for INSIGHT O&O. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €330,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.82 (0.4 in 2024), below 1. Short-term debt is 3.4% and cash 2.6% of total assets. 25.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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
19202122232425
2019 to 2025 · latest year €3.5m
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 days early
2024
34 days early
2023
14 days early
2022
13 days early
2021
18 days early
2020
11 days early
2019
45 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 20 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 17 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0891015670
Appointments: GEIJSELS Jan (director) and VAN ESBROECK Alda (director)
General meeting of 20-05-2022 · Gazette deed
Incorporation
published on 31-07-2007 · Gazette deed
First establishment
Heihoefseweg 28, Edegem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| INSIGHT O&O Edegem | €4.7m | €136,228 | 74.2% | - |
| BEJO Lille | €5.5m | €139,483 | 98.9% | 1 |
| Haems Nijlen | €4.0m | €147,463 | 80.0% | - |
| PMKay Schoten | €4.4m | €171,605 | 84.6% | 0.3 |
| HDM CONSULT Zedelgem | €4.6m | €131,937 | 87.5% | - |
| A Q INVEST Woluwe-Saint-Pierre | €5.1m | €129,320 | 73.8% | - |
| JSR CONSULT Ans | €4.5m | €134,865 | 49.7% | - |
These companies have the same main activity as INSIGHT O&O: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €4m and €5.5m, founded between 2007 and 2008.
Official details
Source: KBO- Status
- Active since 23-07-2007Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.164.208.6692650 Edegem, since 09-07-2007
- Financial year end
- 30 September
- Peppol
- Reachable since 24-11-2023
Annual accounts to 30-09-2025
- ≈ €230,000estimated
- €4.7m▲ 150%
- Filing
- Filed on 23-04-2026, 7 days before the end of the filing period
Insights on INSIGHT O&O
INSIGHT O&O files the micro format. That format states no turnover. The gross margin rose from €88,595 in 2008 to €136,228 in 2025.
The balance sheet grew most in 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about INSIGHT O&O
- What is the company number of INSIGHT O&O?
- The company number of INSIGHT O&O is 0891.015.670. The VAT number is the same number with BE in front: BE 0891.015.670.
- Where is INSIGHT O&O based?
- The registered office is at Heihoefseweg 28, 2650 Edegem.Company details
- What does INSIGHT O&O do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of INSIGHT O&O?
- INSIGHT O&O is a private limited company (BV).
- When was INSIGHT O&O founded?
- INSIGHT O&O was founded on 23-07-2007.
- Is INSIGHT O&O still active?
- Yes, INSIGHT O&O is an active enterprise in the KBO register.
- What is the turnover of INSIGHT O&O?
- The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €136,228 and 109 comparable companies (NACE 70200). It probably lies between €190,000 and €280,000.Financials
- Is INSIGHT O&O profitable?
- In financial year 2025, INSIGHT O&O made a loss of €67,246.
- Where can I find the annual accounts of INSIGHT O&O?
- INSIGHT O&O filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of INSIGHT O&O due?
- INSIGHT O&O must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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