INSOLISA
ActiveSummary
The computed 12-month bankruptcy probability of INSOLISA is 8.9% (elevated). The 2024 annual accounts show negative equity (-€113,203) and a net result of -€28,993. Equity is shrinking by ~28.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 26040 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 3 accounts on average 7 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 7,663 companies that looked in July 2024 the way this one looks now, 8.2% went bankrupt within 24 months and 84% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 8.9% 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 7,663 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.
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €3,510 | €50 | €31 | ▼ 37.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,429 | €5,822 | €0 | ▼ 100% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €55,346 | €10,000 | €0 | ▼ 100% |
| Other operating charges640/8 | €486 | €487 | €277 | ▼ 43.2% |
| Non-recurring operating charges66A | - | - | €27,664 | - |
| Gross operating margin9900 | -€5,832 | -€2,248 | -€1,041 | ▲ 53.7% |
| Operating profit (loss)9901 | -€67,604 | -€18,606 | -€29,013 | ▼ 55.9% |
| Financial income75/76B | - | €0 | €97 | ▲ 971,000% |
| Recurring financial income75 | - | €0 | €97 | ▲ 971,000% |
| Financial charges65/66B | - | - | €77 | - |
| Recurring financial charges65 | - | - | €77 | - |
| Profit (loss) for the period before taxes9903 | -€67,604 | -€18,606 | -€28,993 | ▼ 55.8% |
| Profit (loss) for the period9904 | -€67,604 | -€18,606 | -€28,993 | ▼ 55.8% |
| Profit (loss) for the period to be appropriated9905 | -€67,604 | -€18,606 | -€28,993 | ▼ 55.8% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €38,428 | €27,553 | €5,337 | ▼ 80.6% |
| Fixed assets21/28 | €31,486 | €25,664 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €31,486 | €25,664 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | €22,472 | €17,611 | €0 | ▼ 100% |
| Other tangible fixed assets26 | €9,014 | €8,053 | €0 | ▼ 100% |
| Current assets29/58 | €6,942 | €1,888 | €5,337 | ▲ 183% |
| Amounts receivable within one year40/41 | €3,970 | €1,158 | €2,887 | ▲ 149% |
| Trade receivables40 | €538 | €556 | €2,887 | ▲ 419% |
| Other amounts receivable41 | €3,431 | €601 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €2,815 | €595 | €2,449 | ▲ 312% |
| Deferred charges and accrued income490/1 | €157 | €136 | €0 | ▼ 100% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €38,428 | €27,553 | €5,337 | ▼ 80.6% |
| Equity10/15 | -€65,604 | -€84,210 | -€113,203 | ▼ 34.4% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | -€67,604 | -€86,210 | -€115,203 | ▼ 33.6% |
| Provisions and deferred taxes16 | €55,346 | €65,346 | €56,846 | ▼ 13.0% |
| Provisions for liabilities and charges160/5 | - | €10,000 | €10,000 | = |
| Other liabilities and charges164/5 | - | €10,000 | €10,000 | = |
| Deferred taxes168 | €55,346 | €55,346 | €46,846 | ▼ 15.4% |
| Amounts payable17/49 | €48,685 | €46,416 | €61,693 | ▲ 32.9% |
| Amounts payable within one year42/48 | €45,085 | €46,416 | €61,693 | ▲ 32.9% |
| Trade debts44 | €10,343 | €2,503 | €313 | ▼ 87.5% |
| Suppliers440/4 | €10,343 | €2,503 | €313 | ▼ 87.5% |
| Taxes, remuneration and social security45 | - | - | €39 | - |
| Taxes450/3 | - | - | €39 | - |
| Other amounts payable47/48 | €34,742 | €43,913 | €61,341 | ▲ 39.7% |
| Accrued charges and deferred income492/3 | €3,600 | €0 | - | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€67,604 | -€18,606 | -€28,993 | ▼ 55.8% |
| + Depreciation and write-downs630 | €2,429 | €5,822 | €0 | ▼ 100% |
| Operating cash flow (approximation) | -€65,175 | -€12,785 | -€28,993 | ▼ 127% |
| Investment in fixed assets (approximation) | - | €0 | €25,664 | - |
| Change in cash | - | -€2,220 | €1,855 | ▲ 184% |
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
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0203/00L010 | Brussels | 194 m² | 1 · 101 m² | 16.5 m · 3 fl. |
Linked by address, not proof of ownership
Similar companies · same sector and region
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.