Equity
€182,147 ▲ 48.5%
Equity rose in 2025 from €122,673 to €182,147.
Insolution
Lifetime
3 annual accounts with figures on one time axispeak €96,628 (2025)
€96,628▲ 11.5%
peak €66,763 (2023)
€59,474▲ 6.5%
peak €182,147 (2025)
€182,147▲ 48.5%
€94,773▼ 5.3%
Board1 name since 2023
1 directorVANBUEL Bram
Documentsfilings and deeds
22-10-202683 days late
2025micro format
Equity from €122,673 to €182,147
Key points
from the 2025 annual accountsChecked score
93
Excellent
Financially stronger than 75% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged 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 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: 0.1%▲ +0.1 percentage points 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: 0.2%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 83 days late; 1 of the last 3 accounts late
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 3.34, cash €188,625
Sector: Office administrative, office support and other business support activities (NACE 82)
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 82, micro). It does better than 66% of them on solvency, 85% on liquidity, 70% on profitability and 79% 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, 39,278 companies had the same profile as Insolution has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Insolution itself is lower: 0.2% within 12 months. It rests on far more data about Insolution than the profile alone.
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 39,278 companies, not a prediction for Insolution. 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 €16,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.34 (2.71 in 2024), above the usual 1.5. Short-term debt is 24.8% and cash 68.1% of total assets. 34.2% 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 83 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-10-2026, 83 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 · 3 filingsDeviation from the deadline
2025
83 days late
2024
3 days early
2023
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 26 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 31 July (3 of the last 3 accounts filed within 83 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 0208:0795647448
Registered office moved to Kampenhout
New registered office: Kampenhoutsebaan 112 A te 1910 Kampenhout · Previous registered office: Langestraat 48 A te 1910 · Board meeting of 12-01-2026 · Gazette deed
Incorporation
Founding capital of €50, 500 shares · Founder: VANBUEL Bram · Appointment: VANBUEL Bram (director) · published on 05-01-2023 · Gazette deed
First establishment
Kampenhoutsebaan 112, Kampenhout
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Insolution Kampenhout | €276,920 | €96,628 | 65.8% | - |
| Koen Permentier Scherpenheuvel-Zichem | €271,114 | €89,916 | 35.5% | - |
| DW CONSULT Pajottegem | €303,044 | €117,830 | 83.0% | - |
| Compelling Selling Avelgem | €272,916 | €99,024 | 79.0% | - |
| Leocx Berlare | €261,254 | €96,356 | 87.6% | - |
| AJ de Bourgraaf Braine-le-Comte | €288,968 | €101,403 | 84.7% | - |
| B.B. MANAGEMENT Gesves | €262,296 | €99,962 | 61.5% | - |
These companies have the same main activity as Insolution: other business support services (NACE 82990). They are comparable in size and age: total assets between €261,000 and €303,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 03-01-2023Normal situation
- Activity
- Other business support servicesNACE 82990and 5 others
- Establishment unit
- 2.339.592.7851910 Kampenhout, since 03-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 12-05-2026
Insights on Insolution
Insolution files the micro format. That format states no turnover. The gross margin rose from €87,990 in 2023 to €96,628 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 Insolution
- What is the company number of Insolution?
- The company number of Insolution is 0795.647.448. The VAT number is the same number with BE in front: BE 0795.647.448.
- Where is Insolution based?
- The registered office is at Kampenhoutsebaan 112, 1910 Kampenhout.Company details
- What does Insolution do?
- According to the KBO register, the main activity is other business support services (NACE 82990).
- What is the legal form of Insolution?
- Insolution is a private limited company (BV).
- When was Insolution founded?
- Insolution was founded on 03-01-2023.
- Is Insolution still active?
- Yes, Insolution is an active enterprise in the KBO register.
- What is the turnover of Insolution?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €96,628 and 36 comparable companies (NACE 82). It probably lies between €160,000 and €270,000.Financials
- Is Insolution profitable?
- In financial year 2025, Insolution made a profit of €59,474.
- Where can I find the annual accounts of Insolution?
- Insolution filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Insolution due?
- Insolution must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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