Equity
€276,641 ▲ 14.9%
Insol has made a profit in every financial year since 2011.
Insol
Lifetime
15 annual accounts with figures on one time axispeak €62,010 (2025)
€62,010▲ 44.1%
peak €37,403 (2019)
€35,831▲ 18.2%
peak €276,641 (2025)
€276,641▲ 14.9%
€28,531▲ 93.3%
Board1 name since 2021
1 directorLENJOU Kobe
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Gross margin from €43,047 to €62,010Equity from €240,810 to €276,641Debts from €14,759 to €28,531Investments €7,801Cash from €38,101 to €64,096
Key points
from the 2025 annual accountsTurnover
≈ €120,000 estimated
The micro format states no turnover.
Investments
€7,801 2.4 × depreciation
Green is investment, beige is depreciation. Machinery stands 16.4% higher than in 2024.
Liquidity
10.52 was 16.92 in 2024
Short-term debts rose from €14,759 to €28,017.
Filings
15 annual accounts 61 days
Latest accounts filed late: after the legal deadline.
Position in the sector
90.7%
Higher solvency than 89% of companies in computer programming and consultancy. Sector median 60.0% · 21,206 companies.
Checked score
95
Excellent
Financially stronger than 62% of micro companies in computer programming and consultancy (NACE 62)
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 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.5%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.1%▼ -0.4 percentage points 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 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.2%▲ +0.1 percentage points vs 08-2026
10-2026: 0.1%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 61 days late; 2 of the last 3 accounts late
lowers risk
Liquidity: current ratio 10.52, cash €64,096
Sector: Computer programming, consultancy and related activities (NACE 62)
Equity €276,641 (90.7% of total assets)
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 62, micro). It does better than 85% of them on solvency, 59% on liquidity, 45% on profitability and 61% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
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, 34,693 companies had the same profile as Insol has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Insol 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 34,693 companies, not a prediction for Insol. 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 €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 10.52 (16.92 in 2024), above the usual 1.5. Short-term debt is 9.2% and cash 21% of total assets. 9.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
61 days late
2024
28 days late
2023
61 days late
2022
32 days late
2021
32 days early
2020
17 days early
2019
1 day 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 19 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0826896492
Change of role: LENJOU Kobe, from manager to director
Director discharge: LENJOU Kobe · Gazette deed
Incorporation
published on 05-07-2010 · Gazette deed
First establishment
De Moystraat 10, Antwerp
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Insol Antwerp | €305,171 | €62,010 | 90.7% | - |
| PETER EYSERMANS Antwerp | €301,613 | €59,874 | 78.7% | - |
| WVE & Co Boom | €308,142 | €67,174 | 21.3% | - |
| Averdo Zandhoven | €272,946 | €61,643 | 92.2% | - |
| SMARD Beerse | €316,067 | €59,075 | 88.0% | - |
| HAVA CONSULTING Turnhout | €292,208 | €69,120 | 16.2% | - |
| AGILE-IT Mechelen | €269,303 | €62,190 | 86.4% | - |
These companies have the same main activity as Insol: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €269,000 and €316,000, founded between 2009 and 2012.
Official details
Source: KBO- Status
- Active since 24-06-2010Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Establishment unit
- 2.189.837.1582018 Antwerp, since 24-06-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 13-11-2025
Insights on Insol
Insol files the micro format. That format states no turnover. The gross margin rose from €60,787 in 2011 to €62,010 in 2025.
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 Insol
- What is the company number of Insol?
- The company number of Insol is 0826.896.492. The VAT number is the same number with BE in front: BE 0826.896.492.
- Where is Insol based?
- The registered office is at De Moystraat 10, 2018 Antwerp.Company details
- What does Insol do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of Insol?
- Insol is a private limited company (BV).
- When was Insol founded?
- Insol was founded on 24-06-2010.
- Is Insol still active?
- Yes, Insol is an active enterprise in the KBO register.
- What is the turnover of Insol?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €62,010 and 60 comparable companies (NACE 62200). It probably lies between €110,000 and €150,000.Financials
- Is Insol profitable?
- In financial year 2025, Insol made a profit of €35,831.
- Where can I find the annual accounts of Insol?
- Insol filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Insol due?
- Insol must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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