INSITELY
ActiveINSITELY has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 84% of 2685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+6
Solvency100▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 6.23 against 2.64 in 2024; short-term debt: 15.5% and cash: 63.6% of total assets), and 16.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
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
83.4%
Return on assets
4.7%
Age of the figures
9 mo
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 16-07-2026, 15 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
15 d early
2024
1 d early
2023
30 d early
2022
13 d early
2021
24 d early
2020
16 d early
2019
22 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€48k▲ 6.0%
2024 · €45k
2020: €41k
2021: €55k
2022: €45k
2023: €47k
2024: €45k
2020 → 2025
Total assets
€57k▼ 15.9%
2024 · €68k
2020: €134k
2021: €173k
2022: €124k
2023: €99k
2024: €68k
2020 → 2025
Net result
€3k▲ 3,809%
2024 · €70
2020: €9k
2021: €14k
2022: €25k
2023: €1k
2024: €70
2020 → 2025
Working capital
€46k▲ 35.4%
2024 · €34k
2020: €31k
2021: €48k
2022: €46k
2023: €40k
2024: €34k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€45k▼ 17.1%€47k▲ 2.7%€45k▼ 3.1%€48k▲ 6.0%
Operating result€19k-€34k▲ 75.1%€4k▼ 89.5%€2k▼ 53.3%€6k▲ 237%
Net result€14k-€25k▲ 78.3%€1k▼ 95.2%€70▼ 94.2%€3k▲ 3,809%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 237% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€2k▼ 83.5%
Current assets
€55k▲ 0.2%
Equity and liabilities €57k
Equity
€48k▲ 6.0%
Debt
€10k▼ 58.8%
The debt ratio falls from 33.8% to 16.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2024 · €16k
Cash flow
€13k▼
2024 · €14k
Solvency
83.4%▲
2024 · 66.2%
Current ratio
6.23▲
2024 · 2.64
Quick ratio
6.23▲
2024 · 2.64
Debt / equity
0.20▼
2024 · 0.51
ROE
5.7%▲
2024 · 0.2%
ROA
4.7%▲
2024 · 0.1%
Interest coverage
18.86▼
2024 · 56.47
Debt
€10k▼
2024 · €23k
Debt ≤ 1 year
€9k▼
2024 · €21k
Debt > 1 year
€647▼
2024 · €2k
Income taxes
€2k▲
2024 · €1k
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€68k€57k▼
Fixed assets21/28€13k€2k▼
Tangible fixed assets22/27€13k€2k▼
Furniture and vehicles24€13k€2k▼
Other tangible fixed assets26€0-
Financial fixed assets28-€275
Current assets29/58€55k€55k▲
Amounts receivable after more than one year29-€3k
Other amounts receivable291-€3k
Amounts receivable within one year40/41€14k€7k▼
Trade receivables40€9k€6k▼
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€31k€37k▲
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€68k€57k▼
Equity10/15€45k€48k▲
Contributions10/11€19k€19k=
Reserves13€27k€29k▲
Distributable reserves133€27k€29k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€23k€10k▼
Amounts payable after more than one year17€2k€647▼
Financial debts170/4€2k€647▼
Amounts payable within one year42/48€21k€9k▼
Current portion of amounts payable after more than one year42€12k€2k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€5k€545▼
Taxes450/3€5k€545▼
Other amounts payable47/48€176€3k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€11k▼
Other operating charges640/8€989€834▼
Non-recurring operating charges66A€9k€488▼
Gross operating margin9900€25k€18k▼
Operating profit (loss)9901€2k€6k▲
Financial income75/76B€69€33▼
Recurring financial income75€69€33▼
Financial charges65/66B€282€865▲
Recurring financial charges65€282€865▲
Profit (loss) for the period before taxes9903€1k€5k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€70€3k▲
Profit (loss) for the period to be appropriated9905€70€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70€3k▲
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€70€3k▲
To other reserves6921€70€3k▲
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 6.23
Current ratio from 2.64 to 6.23; short-term debt falls from €21k to €9k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €70 ▼94.2%
Net result drops to €70, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €25k ▲78.3%
Operating result €34k, net result €25k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oostkamp · 1 establishment unit since 2018
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.
Sijslostraat 1418020 OostkampGround area
3,806 m²
Building footprint
240 m²
Volume, LiDAR
1,056 m³
Parcel 31025A0590/00K000, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Insitely
since 20182.282.999.324
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31025A0590/00K000 | Flanders | 3,806 m² | 1 · 240 m² | 8.0 m · 1 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
2022 · 1 entry · 160 EUR awarded · 160 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 160 EUR | 160 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
699400VR4X5DNJ2T7372
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,303 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.
Contact details
1 entryE-mail:roel@insitely.eu