INSIGHTS@WORK
ActiveSummary
INSIGHTS@WORK has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €113,372 and a net result of €22,509. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 37948 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability85▲+10
Solvency92▲+13
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 1.86 against 1.3 in 2023; short-term debt: 20.2% and cash: 14.8% of total assets), and 32.8% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
51 d early
2022
34 d early
2021
48 d early
2020
50 d early
2019
53 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 45 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€113,372▲ 17.0%
2023 · €96,862
Total assets
€168,697▼ 5.9%
2023 · €179,330
Net result
€22,509▲ 157%
2023 · €8,759
Working capital
€29,339▲ 137%
2023 · €12,358
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€37,229▼ 3.5%€34,892▼ 6.3%€35,869▲ 2.8%€16,571▼ 53.8%€33,307▲ 101%
Net result€30,497▲ 6.3%€25,424▼ 16.6%€25,882▲ 1.8%€8,759▼ 66.2%€22,509▲ 157%
Equity€62,997▲ 52.5%€82,421▲ 30.8%€102,303▲ 24.1%€96,862▼ 5.3%€113,372▲ 17.0%
Total assets€158,473▲ 107%€154,439▼ 2.5%€171,694▲ 11.2%€179,330▲ 4.4%€168,697▼ 5.9%
Debt€95,476▲ 172%€72,018▼ 24.6%€69,391▼ 3.6%€82,468▲ 18.8%€55,325▼ 32.9%
Working capital€24,495▲ 101%€25,255▲ 3.1%€46,814▲ 85.4%€12,358▼ 73.6%€29,339▲ 137%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 101% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €168,697
Fixed assets
€105,303 ▼ 15.9%
Current assets
€63,394 ▲ 17.3%
Equity and liabilities €168,697
Equity
€113,372 ▲ 17.0%
Debt
€55,325 ▼ 32.9%
Debt's share of the balance-sheet total falls from 46.0% to 32.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53,288▲
2023 · €30,127
Cash flow
€42,490▲
2023 · €22,315
Current ratio
1.86▲
2023 · 1.30
Debt to equity
0.49▼
2023 · 0.85
ROE
19.9%▲
2023 · 9.0%
ROA
13.3%▲
2023 · 4.9%
Interest coverage
11.54▲
2023 · 6.55
Debt ≤ 1 year
€34,055▼
2023 · €41,689
Debt > 1 year
€16,632▼
2023 · €35,853
Income taxes
€6,181▲
2023 · €3,235
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €50 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,433 | €8,821 | €10,520 | €13,555 | €19,981 | ▲ 47.4% |
| Other operating charges640/8 | - | €951 | €621 | €820 | €639 | ▼ 22.0% |
| Gross operating margin9900 | €40,924 | €44,714 | €47,011 | €30,947 | €53,927 | ▲ 74.3% |
| Operating profit (loss)9901 | €37,229 | €34,892 | €35,869 | €16,571 | €33,307 | ▲ 101% |
| Financial income75/76B | - | €5 | - | €20 | €3 | ▼ 84.5% |
| Recurring financial income75 | €65 | €5 | - | €20 | €3 | ▼ 84.5% |
| Financial charges65/66B | - | €2,324 | €2,942 | €4,597 | €4,620 | ▲ 0.5% |
| Recurring financial charges65 | €1,996 | €2,324 | €2,942 | €4,597 | €4,620 | ▲ 0.5% |
| Profit (loss) for the period before taxes9903 | €35,298 | €32,572 | €32,928 | €11,994 | €28,691 | ▲ 139% |
| Income taxes67/77 | €4,801 | €7,148 | €7,046 | €3,235 | €6,181 | ▲ 91.1% |
| Profit (loss) for the period9904 | €30,497 | €25,424 | €25,882 | €8,759 | €22,509 | ▲ 157% |
| Profit (loss) for the period to be appropriated9905 | €30,497 | €25,424 | €25,882 | €8,759 | €22,509 | ▲ 157% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €158,473 | €154,439 | €171,694 | €179,330 | €168,697 | ▼ 5.9% |
| Fixed assets21/28 | €87,494 | €97,861 | €88,410 | €125,283 | €105,303 | ▼ 15.9% |
| Tangible fixed assets22/27 | €61,494 | €71,861 | €62,410 | €84,283 | €64,303 | ▼ 23.7% |
| Land and buildings22 | - | €9,146 | €8,182 | €11,262 | €9,330 | ▼ 17.2% |
| Plant, machinery and equipment23 | - | €57,877 | €50,610 | €43,776 | €35,837 | ▼ 18.1% |
| Furniture and vehicles24 | - | €1,968 | €1,097 | €27,074 | €17,313 | ▼ 36.1% |
| Other tangible fixed assets26 | - | €2,870 | €2,521 | €2,171 | €1,822 | ▼ 16.1% |
| Financial fixed assets28 | €26,000 | €26,000 | €26,000 | €41,000 | €41,000 | = |
| Current assets29/58 | €70,979 | €56,578 | €83,284 | €54,047 | €63,394 | ▲ 17.3% |
| Amounts receivable within one year40/41 | €2,699 | €15,991 | €50,130 | €12,519 | €7,207 | ▼ 42.4% |
| Trade receivables40 | - | €11,440 | €47,824 | €11,700 | €4,517 | ▼ 61.4% |
| Other amounts receivable41 | - | €4,551 | €2,306 | €820 | €2,689 | ▲ 228% |
| Current investments50/53 | - | - | €13,750 | €20,500 | €29,500 | ▲ 43.9% |
| Cash at bank and in hand54/58 | €66,579 | €38,781 | €19,272 | €19,462 | €24,986 | ▲ 28.4% |
| Deferred charges and accrued income490/1 | - | €1,806 | €132 | €1,566 | €1,702 | ▲ 8.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €158,473 | €154,439 | €171,694 | €179,330 | €168,697 | ▼ 5.9% |
| Equity10/15 | €62,997 | €82,421 | €102,303 | €96,862 | €113,372 | ▲ 17.0% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €44,397 | €63,821 | €83,703 | €78,262 | €94,772 | ▲ 21.1% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €61,961 | €81,843 | €78,262 | €94,772 | ▲ 21.1% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €95,476 | €72,018 | €69,391 | €82,468 | €55,325 | ▼ 32.9% |
| Amounts payable after more than one year17 | €48,371 | €40,621 | €32,749 | €35,853 | €16,632 | ▼ 53.6% |
| Financial debts170/4 | - | €40,621 | €32,749 | €35,853 | €16,632 | ▼ 53.6% |
| Amounts payable within one year42/48 | €46,485 | €31,323 | €36,470 | €41,689 | €34,055 | ▼ 18.3% |
| Current portion of amounts payable after more than one year42 | - | €7,750 | €7,872 | €20,722 | €19,221 | ▼ 7.2% |
| Financial debts43 | - | - | - | - | €835 | - |
| Credit institutions430/8 | - | - | - | - | €835 | - |
| Trade debts44 | €14,939 | €2,164 | €5,921 | €1,290 | €241 | ▼ 81.3% |
| Suppliers440/4 | - | €2,164 | €5,921 | €1,290 | €241 | ▼ 81.3% |
| Taxes, remuneration and social security45 | - | €13,072 | €16,439 | €5,477 | €7,758 | ▲ 41.6% |
| Taxes450/3 | - | €9,580 | €12,882 | €5,477 | €7,758 | ▲ 41.6% |
| Remuneration and social security454/9 | - | €3,492 | €3,558 | €0 | - | - |
| Other amounts payable47/48 | - | €8,337 | €6,238 | €14,200 | €6,000 | ▼ 57.7% |
| Accrued charges and deferred income492/3 | - | €73 | €172 | €4,925 | €4,638 | ▼ 5.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,497 | €25,424 | €25,882 | €8,759 | €22,509 | ▲ 157% |
| + Depreciation and write-downs630 | €1,433 | €8,821 | €10,520 | €13,555 | €19,981 | ▲ 47.4% |
| Operating cash flow (approximation) | €31,930 | €34,245 | €36,403 | €22,315 | €42,490 | ▲ 90.4% |
| Investment in fixed assets (approximation) | - | -€19,189 | -€1,070 | -€50,428 | €0 | ▲ 100% |
| Change in cash | - | -€27,798 | -€19,509 | €190 | €5,524 | ▲ 2,814% |
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100,000Eq €113,372 ▲17%
7 profitable years in a row build equity to €113,372.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €8,759 ▼66.2%
Net result drops to €8,759, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100,000Eq €102,303 ▲24.1%
5 profitable years in a row build equity to €102,303.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €30,497 ▲6.3%
Net result €30,497, the highest in the series.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
06-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Heusden-Zolder · 1 establishment unit since 2014
Ground area
1,793 m²
Building footprint
187 m²
Volume, LiDAR
1,162 m³
Parcel 71462C0067/00L018, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Narcissenlaan 3, 3550 Heusden-Zolder
since 20142.336.630.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71462C0067/00L018 | Flanders | 1,793 m² | 1 · 187 m² | 11.3 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
24.89%
According to the 2024 annual accounts of INSIGHTS@WORK and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,620 EUR awarded · 1,620 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,620 EUR | 1,620 EUR |
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 40,792 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
Founded21-02-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
47120Other non-specialised retail sale
55100Hotels and similar accommodation
55209Other holiday and short-stay accommodation
77110Renting and leasing of cars and light motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0546795334
Also
9925:BE0546795334
Registered
24-11-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.