INSIGHTFUL CONSULTING
ActiveThe computed 12-month bankruptcy probability of INSIGHTFUL CONSULTING is 2.2% (moderate). The 2025 annual accounts show negative equity (€-18k) and a net result of €-22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 6994 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-32
Solvency7▼-28
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.85 against 1.1 in 2024; short-term debt: 117.7% and cash: 16.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
-17.7%
Return on assets
-21.6%
Age of the figures
18 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-18k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-10-2025, 11 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
11 d early
2024
24 d early
2023
on the day
2022
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€-18k
2024 · €4k
2022: €-138k
2023: €5k
2024: €4k
2022 → 2025
Total assets
€103k▲ 155%
2024 · €40k
2022: €9k
2023: €129k
2024: €40k
2022 → 2025
Net result
€-22k▼ 2,381%
2024 · €-895
2022: €-139k
2023: €143k
2024: €-895
2022 → 2025
Working capital
€-19k
2024 · €4k
2022: €-75k
2023: €34k
2024: €4k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-138k-€5k€4k▼ 18.4%€-18k
Operating result€-139k-€144k€415▼ 99.7%€-23k
Net result€-139k-€143k€-895€-22k▼ 2,381%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €23k after €415 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€450=
Current assets
€102k▲ 157%
Key figures and ratios
Solvency
-17.7%▼
2024 · 9.9%
Current ratio
0.85▼
2024 · 1.10
Quick ratio
0.85▼
2024 · 1.10
Debt / equity
-6.65▼
2024 · 9.14
ROA
-21.6%▼
2024 · -2.2%
Debt
€121k▲
2024 · €36k
Debt ≤ 1 year
€121k▲
2024 · €36k
Income taxes
€0▼
2024 · €404
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€40k€103k▲
Fixed assets21/28€450€450=
Financial fixed assets28€450€450=
Current assets29/58€40k€102k▲
Amounts receivable within one year40/41€29k€84k▲
Trade receivables40€26k€82k▲
Other amounts receivable41€3k€3k=
Cash at bank and in hand54/58€10k€17k▲
Deferred charges and accrued income490/1€819€848▲
Equity and liabilities
Total equity and liabilities10/49€40k€103k▲
Equity10/15€4k€-18k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€3k€-19k▼
Amounts payable17/49€36k€121k▲
Amounts payable within one year42/48€36k€121k▲
Financial debts43-€89
Credit institutions430/8-€89
Trade debts44€28k€106k▲
Suppliers440/4€28k€106k▲
Taxes, remuneration and social security45€404€1k▲
Taxes450/3€404€1k▲
Other amounts payable47/48€8k€14k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Other operating charges640/8€3k€595▼
Gross operating margin9900€4k€-22k▼
Operating profit (loss)9901€415€-23k▼
Financial income75/76B-€867
Recurring financial income75-€867
Financial charges65/66B€905€217▼
Recurring financial charges65€905€217▼
Profit (loss) for the period before taxes9903€-491€-22k▼
Income taxes67/77€404€0▼
Profit (loss) for the period9904€-895€-22k▼
Profit (loss) for the period to be appropriated9905€-895€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-19k▼
Profit (loss) brought forward from the previous period14P€4k€3k▼
The notes to these accounts (3 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
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €143k
Net result €143k after one loss-making year.
31-03
Financial
Liquidity times 14current ratio 1.37
Current ratio from 0.10 to 1.37.
2022
31-10
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.
Directors · office · real estate
Directors
2 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, Turnhout · 1 establishment unit since 2020
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.
Harmoniestraat 522300 TurnhoutGround area
3,114 m²
Building footprint
1,727 m²
Parcel 13454P0167/00A005, Flanders. Linked by address, not a title deed.
1 establishment unit
INSIGHTFUL CONSULTING
since 20202.311.289.868
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13454P0167/00A005 | Flanders | 3,114 m² | 1 · 1,727 m² | - |
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.
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Of 2,716 companies in sector 73200 we hold annual accounts for 1,785. 333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2020
Fiscal year end31-03
Activities, NACEBEL
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.