INSITAAR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.46M and a net result of €48k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 52% of 5527 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d early
2023
27 d early
2022
45 d early
2021
31 d early
2020
43 d early
2019
17 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.46M▲ 3.4%
2024 · €1.41M
2018: €1.06M
2019: €1.42M
2020: €1.52M
2021: €1.54M
2022: €1.66M
2023: €1.33M
2024: €1.41M
2018 → 2025
Net result
€48k▼ 41.3%
2024 · €81k
2018: €312k
2019: €352k
2020: €99k
2021: €29k
2022: €112k
2023: €204k
2024: €81k
2018 → 2025
Total assets
€2.70M▲ 15.4%
2024 · €2.34M
2018: €2.65M
2019: €1.48M
2020: €1.63M
2021: €1.66M
2022: €1.80M
2023: €1.86M
2024: €2.34M
2018 → 2025
Solvency
54.0%▼ 6.3pp
2024 · 60.3%
2018: 40.1%
2019: 95.5%
2020: 92.9%
2021: 92.8%
2022: 92.1%
2023: 71.5%
2024: 60.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.54M-€1.66M▲ 7.2%€1.33M▼ 19.8%€1.41M▲ 6.1%€1.46M▲ 3.4%
Operating result€41k-€169k▲ 309%€266k▲ 57.2%€190k▼ 28.5%€106k▼ 44.4%
Net result€29k-€112k▲ 285%€204k▲ 82.2%€81k▼ 60.0%€48k▼ 41.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.70M
Fixed assets
€1.56M=
Current assets
€1.13M▲ 46.6%
Equity and liabilities €2.70M
Equity
€1.46M▲ 3.4%
Debt
€1.24M▲ 33.8%
The debt ratio rises from 39.7% to 46.0%. Equity and debt are higher.
Key figures and ratios
Solvency
54.0%▼
2024 · 60.3%
ROE
3.3%▼
2024 · 5.8%
ROA
1.8%▼
2024 · 3.5%
Debt
€1.24M▲
2024 · €927k
Debt ≤ 1 year
€1.17M▲
2024 · €874k
Income taxes
€23k▼
2024 · €65k
Staff costs
€76k▲
2024 · €73k
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€2.34M€2.70M▲
Fixed assets21/28€1.56M€1.56M=
Financial fixed assets28€1.56M€1.56M=
Current assets29/58€774k€1.13M▲
Amounts receivable within one year40/41€577k€918k▲
Trade receivables40€30k€10k▼
Other amounts receivable41€546k€908k▲
Cash at bank and in hand54/58€184k€160k▼
Deferred charges and accrued income490/1€13k€57k▲
Equity and liabilities
Total equity and liabilities10/49€2.34M€2.70M▲
Equity10/15€1.41M€1.46M▲
Contributions10/11€50k€50k=
Reserves13€1.36M€1.41M▲
Non-distributable reserves130/1€0-
Other1319€0-
Distributable reserves133€1.36M€1.41M▲
Profit (loss) carried forward14€0-
Amounts payable17/49€927k€1.24M▲
Amounts payable within one year42/48€874k€1.17M▲
Trade debts44€445€3k▲
Suppliers440/4€445€3k▲
Taxes, remuneration and social security45€31k€17k▼
Taxes450/3€21k€7k▼
Remuneration and social security454/9€10k€10k▲
Other amounts payable47/48€843k€1.15M▲
Accrued charges and deferred income492/3€54k€72k▲
Income statement
Code20242025
Remuneration, social security and pensions62€73k€76k▲
Other operating charges640/8€968€998▲
Gross operating margin9900€264k€182k▼
Operating profit (loss)9901€190k€106k▼
Financial income75/76B€11k€36k▲
Recurring financial income75€11k€36k▲
Financial charges65/66B€54k€71k▲
Recurring financial charges65€54k€71k▲
Profit (loss) for the period before taxes9903€147k€71k▼
Income taxes67/77€65k€23k▼
Profit (loss) for the period9904€81k€48k▼
Profit (loss) for the period to be appropriated9905€81k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€48k▼
Transfer from equity791/2€0-
Transfer to equity691/2€81k€48k▼
To other reserves6921€81k€48k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90871.01.0=
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €29k ▼70.8%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €352k ▲12.8%
Net result €352k, the highest in the series.
31-12
Financial
Liquidity times 36current ratio 32.74
Current ratio from 0.91 to 32.74; short-term debt falls from €1.50M to €6k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Sint-Agatha-Berchem · 1 establishment unit since 2014
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.
Koning Albertlaan 1331082 Sint-Agatha-BerchemGround area
1,097 m²
Building footprint
185 m²
Volume, LiDAR
1,497 m³
Parcel 21003A0177/00K014, Brussels · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Insitaar
since 20142.232.166.077
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0177/00K014 | Brussels | 1,097 m² | 1 · 185 m² | 13.6 m · 3 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 11,832 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.